Date Received: 2022-12-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. XXXX XXXX XXXX XXXXXXXX XXXX
Company Response:
State: GA
Zip: 30339
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX XXXX Goldman Sachs XXXX XXXX, XXXX XXXX XXXX XXXX, Pa XXXX Adverse Action To whom it may concern ; Im writing this letter to inform you about the credit transaction entered with your Company XX/XX/2022, and I extended your organization the credit for the Apple Card with this email address. Im giving your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which means shows the pertinent facts of this transaction. Your Company never informed me about the Cost of Credit and only evidence of indebtedness was just a computer-generated agreement. According to the law 15 USC 1602 ( k ), the term adequate notice means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any means reasonably assuring the receipt thereof by the cardholder. Since there was not an adequate notice given as per above mentioned section, I couldnt understand its meaning which is violating my rights under 15 USC 1602 ( k ). Furthermore under 15 USC 1601 ( a ) consumer must be aware of the Cost of the transactions. Since I wasnt aware of the transaction, there was an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. From your side I have not benefitted from this above transaction which is again a violation of 15 USC 1602 ( p ). According to 15 USC 1602 ( p ) The term unauthorized use means use of a credit card by a person other than the card holder who does not have actual, implied or apparent authority for such use and from which the card holder receives no benefit. I hereby request you to these things below mentioned XXXX. Reverse the adverse action that was sent to me and please send me my credit card with my proper name on it. If your company accepts my request, I will not escalate this matter to Federal courts, but if my letter is rejected for some reason, legal action will be taken against your company for compensatory damages. Thank you for your time and attention for this matter. Sincerely, XXXX XXXX XXXX
Company Response:
State: PA
Zip: 19023
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello on XX/XX/XXXX payment arrangements were made in agreement with GM a Goldman Sachs for my account. On a recorded line the representative sent me up for a payment plan and describe the payment plan to me. The representative of the company did not explain the payment plan to me in for and accurately. A full investigation including pulling up phone calls that were made on the recorded lines need to be done!! I made payments for XX/XX/XXXX and XX/XX/XXXX as scheduled and as agreed-upon and yet we still report it late payment to my credit bureaus twice. I made the on-time payments as agreed-upon and should NOT HAVE BEEN REPORTED LATE. I request a full investigation and removal of my INACCURATE DELINQUENT REPORTING for XX/XX/22 and XX/XX/22 On account ending in XXXX
Company Response:
State: TX
Zip: 76549
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My daughter got a hold of my credit card information without my knowledge to buy digital in-app items for her online game. She also used it to buy other online items up totaling {$3100.00} between XX/XX/22 and XX/XX/22. I went to pay my Apple card on the due date and saw the unauthorized transactions for the first time. There was no warning of any suspicious activity prior to my looking at the bill. I called Apple immediately, but their 14 day policy for allowing reversals was already past. How convenient. No warnings and a 14 day return policy, so you only find out when you go to pay your bill on time and in full as you always have done. Apple works through Goldman Sachs. The run around between the two companies is a bureaucratic nightmare. They couldn't even tell me the numbers on my own card after 3 hours of being on the phone. The denied all of my appeals. I never gummed up the process by calling my bank ( as they will emphatically tell you not to do EVERYTIME you call ) until they denied my dispute after the 60 day mark. T One representative told me my claim had been approved and put me at ease. Then I called back and they said it was denied and unfortuntately, now I was outside of that 60 day period to report to the bureau as IF by DESIGN! I am a small business owner/piano teacher. I can not afford such charges willy-nilly. I have spent hours and hours battling this case. Please help me appeal this case with Apple Card/Goldman Sachs ! !!
Company Response:
State: CA
Zip: 95628
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I have {$240000.00} in a savings account at Marcus by Goldman Sachs Bank. I can not get my money out of the bank despite XXXX calls from XX/XX/22 and XX/XX/22. On XX/XX/22 by phone I closed the account and requested that a check for the money to be mailed to me. I was told that this would occur. I complied with all the security checks and was told that a check would be mailed. I never received the check. On XX/XX/22 I called to complain that I never received the check, and the bank representative confirmed that no check had been mailed and we went through the whole security process again with a special P.I.N. code, etc, with a Supervisor, and I was again told that the check would be mailed. I was told it would be sent by registered mail. I never received the check. On XX/XX/22 I called to complain and was told that the check was never mailed. I again requested that the check be mailed and was told that it was " in process '', but the representative, and eventually a Supervisor stated that there was nothing more they could do. I asked to speak to the Supervisor 's supervisor, and was told that one was not available at that time, but that we could request that one call me within a few days. I agreed to that, but it is unacceptable that I can not get my money out of this " bank ''. They could not answer any questions about the process or how I could get my money.
Company Response:
State: NC
Zip: 27615
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Im still getting charged interest on a balance that no longer exists. I paid off the card before the required date of XX/XX/22 and I got a {$78.00} charge for interest even though there is no balance
Company Response:
State: IA
Zip: 500XX
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Goldman Sachs closed my Apple Card account without providing me notice and without providing an explanation. I have a consumer right to be informed of the specific terms within my customer agreement which Goldman Sachs alleges I violated. The paragraphs below detail the my complaint in greater detail. In XXXX of 2022, I noticed that my Apple Card was being declined when I attempted to make purchases. I reached out to Apple Card XXXX on XX/XX/2022 in regards to the issues which I was experiencing with my account. I was informed by the customer service representative that my account was frozen and under review by Goldman Sachs. I was also informed at this time that Goldman Sachs would not provide me with any information why my account was under review. I asked for a call back to provide me an update on my account 's review. I never received a call back. I allowed quite some time to pass before I reached out to Apple Card Support again. I opened my XXXX XXXX feature on my XXXX in XX/XX/2022. Navigating to my Apple Card in the XXXX XXXX, I read that my account had been closed. I have no receipts of an Account Closure letter or notification. Apple Card XXXX says I should have received an account closure notice via email. I never did receive this notice. I have received other correspondence from Apple Card Support, but I never received an account closure notification. I specifically solicited the notice at a later date, in XX/XX/2022, and a support representative then forwarded me the letter at that time. In XXXX of 2022, I reached back out to Apple Card Support to solicit further information pertaining to my account closure. At this time, Apple Card Support and Goldman Sachs had not provided me justification for my account closure. After having my issue elevated to a manager at Apple Card Support with Goldman Sachs, I was informed of the following : " [ The account ] shows that we closed it due to violation of the agreement contract you signed but doesn't include specifics on the reason. '' I requested a call back from a supervisor for more information. This request went unfulfilled. In XXXX of 2022, I reached out to Apple Card Support another time. I again was seeking further information pertaining to my account closure. I was able to, at this time, have the official account closure notification letter sent to me via email. The letter lists the following reason for my account closure, " there was a failure to comply with the terms of the Customer Agreement. '' The letter does not detail any further information. I then requested for Goldman Sachs to inform me of which term ( XXXX ) the company is alleging that I violated. This information I expect Goldman Sachs to provide me. Goldman Sachs refuses to provide me with any information beyond this statement, " there was a failure to comply with the terms of the Customer Agreement. '' This is the response I receive from Apple Card Support when I solicit further information, " In fact, we are being instructed by those above us to only relay the information, stating 'the only information we can provide is the account was closed by the bank and refer the customer to the AA letter. ' '' My complaints regarding my Apple Card account closure can be summarized as follows : - Goldman Sachs did not follow up with me in regards to my account initially going into review, before the bank decided to close my account. I made a specific request to be informed of developments and to be provided further information. This request was not fulfilled. - Apple Card Support / Goldman Sachs has closed my Apple Card account and has provided an unsatisfactory explanation for the action. I strongly contest that I was in violation to the terms of my Customer Agreement with Goldman Sachs.
Company Response:
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: When Marcus first took over GM we did not know they were on autopay so we sent {$100.00} in on our first payment not knowing they were taking out the whole {$510.00} that was on the account when we found out we stopped payment on it and called them and told the well they put the {$510.00} back on my account. I had no problem with that then a week later they charged me 2 more times for the same {$510.00} making my bill {$1500.00} you can add up all my purchases and see what the amount charged to the card is we do not use it much. They did give me credit for one of the extra charges on there but not the other. I have talked to 2 supervisors and 2 Managers along with their service reps about this issue it has been going on for a couple of months now. And they all see the same thing that they have overcharged me and put in a dispute showing exactly where the overcharged me. But they keep coming back with the billing is correct and denying it. We also have a problem with there bill pay we sent a payment from our bank for $ XXXX and said it was delivered on the XXXX XXXX my payment not due until the XXXX of XXXX then i got a letter saying they received no payment and hit me with a late fee. My monthly payment is {$29.00} a month and the charged me {$91.00} Which I had to pay over the Phone this seems to be an ongoing issue with them and they are hitting people up to get late fees. I talked to one of the service reps and said she could not wave the fee even thogh my bank showed it delivered it 5 days before my bill was due.
Company Response:
State: FL
Zip: 33064
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I disputed a transaction for a merchant that failed to deliver agreed product. Original transaction was XX/XX/2022 for XXXX I disputed the transaction on XX/XX/2022 Apple card/Goldman Sachs asked for more info on XX/XX/2022 I provided proof from the merchant that they did not provide the product in the form of an email from the merchant agreeing that the charge should be refunded on XX/XX/2022. Apple card/Goldman Sachs notified me they denied the dispute on XX/XX/2022. They were unable to provide additional info on XX/XX/2022 when I contacted them.
Company Response:
State: IL
Zip: 60302
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On or aroun XX/XX/22. Fraudulent purchase ( s ) were made from my account charged XXXX $ in Intrest charge ( s )
Company Response:
State: PA
Zip: 19007
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A