Date Received: 2022-11-30
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I received an email saying my Apple Card was closed. I never missed a payment, never carried a balance and I always use it. They said I violated the terms of service and told me to read it. I read the entire terms of service and I got in touch with them and they said its internal they cant tell me why. My credit is perfect. They are purposely trying to ruin my credit. Im in the middle of a hike purchase and my credit is going to take a hit because they want me to pay higher interest rates or not be able to move somewhere better.
Company Response:
State: FL
Zip: 34221
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I applied for a loan on XX/XX/XXXX and was approved for a personal line for credit from Marcus by Golden Sachs. I applied online and the process was going smoothly until the final step in the process when I received a technical error message on the website. I will attach the image of the message. I called the customer service number provided and went through the troubleshooting steps. They asked me to use a different browser, to clear my cache and cookies, and download the app. I did all of these things and was advised that a ticket would be put in to try to help my situation. They told me that I was approved, and I had seen an alert from my credit report that the loan was being reported. I was told to wait and keep trying the website. After multiple attempts, I called the customer service line again and was told that my problem was being escalated but did not see any progress or change. On XX/XX/XXXX I called in and asked to speak with a supervisor because I did not see any changes and was losing trust in the company handling my loans. A few of the calls would not be escalated and I was just told to wait. I was frustrated with the lack of answers and that it would take so long to escalate. On XX/XX/XXXX I was finally able to speak with a supervisor. There were still not any solutions - I asked for the paperwork to be emailed to me or what the process was if there were issues like I was having. I was told the only way to get the paperwork to me was by mail. I requested that I get the papers fedex to me but all of these request I was told no. I was told that the technical support could take 7-10 days. I was worried of there being not resolution so I asked for the paperwork to be mailed to me. She assured me it would be. On XX/XX/XXXX I received a letter in the mail and thought it was the paperwork but it was only a letter saying they needed my bank information to finish the loan. I called and tried to get the information to them but I will still be having the technical issue every time I logged in. The supervisor told me that from looking at the notes they were not able to send out the paperwork yet. This was not acceptable to me, nor was it communicated. I think it would have been important to let me know that there were still issues with the paperwork and getting my the loan. There seemed to be no urgency or direct communication with me about the status. I do not feel like I can trust XXXX but I feel stuck. I am worried about canceling the loan and having that impact on my credit. I am concerned about being declined by another company. I do not think it is right for a bank to hold a customer like this to their loan with no solutions on how to get the paperwork signed. It has impacted my credit and I need to build trust again with the company.
Company Response:
State: GA
Zip: 31322
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Goldman Sachs Closed my account for not apparent reason, i had called to verify my account information for them now keep in and have done nothing illegal have my account closed. I have been a account holder since XXXX of 2021!! I rarely ever used my account and i have some updated credentials such as a XXXX doing business as name or assumed name. I always have kept account in good standing. I really did'nt remember my information and as i have said before i rarely used this account so it's been awhile for me to remember my information ( still not illegal ). So i contact Goldman Sachs to verify my account. When i finally did i logged in my account and checked my balances. today at XXXX. i was put on hold for XXXX min and transfered to their security dept I spoke with XXXX and she said she had to close my account i asked her why and she told me she coud'nt disclose that information to me. I just find it supecious that they closed my account after me being an account holder for over XXXX years. and when i coun'nt remeber my information they closed my account.
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: The Apple/GS Credit Card filed that I was over 60 days delinquent when in fact I was unable to make a payment due to inadequacies in their system. I purchased a new XXXX in XX/XX/XXXX and agreed to pay for it through the Apple/GS credit card. I was told at the time that I would receive statements via email, and the XXXX employees and I spent considerable time confirming my email address. When I received the physical card some weeks later there was no information on it, no account number, and more importantly, no telephone number for customer service. Several months went by before I finally received a letter from Apple/GS with a contact phone number. I called them immediately, and they walked me through the process of setting up the Wallet App and then provided me with detailed instructions for making payments by check through the mail. None of the information I received at the XXXX XXXX turned out to be correct. ( 1 ) In order to function properly, your Apple ID must match your current email address. This was never conveyed to me until nearly 6 months later. This would make it impossible for Apple/GS to contact me electronically. ( 2 ) Even with the proper email address, the Apple/GS card never produces a statement of any kind unless you specifically call customer support and ask for one. This appears to be a violation of Federal law. ( 3 ) You are expected to use their App as the only mechanism for making payments which makes it impossible to set up any kind of payment schedule with your bank. As a victim of identity theft in XXXX I am rather reticent about sharing bank information with an App on my phone.
Company Response:
State: NJ
Zip: 07601
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
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 ordered a sofa using my Goldman Sachs card. After many delays over 8 weeks, I attempted to cancelled the order. The retailer refused to cancel the order. I opened a dispute with Goldman Sachs. A few days later, the carrier contacted me, trying to schedule a delivery of the sofa, which I refused. I provided all documentation to Goldman and just received an email that my dispute was NOT resolved in my favor due to : " The evidence we received confirms that the merchandise was delivered '', when in fact, I NEVER took delivery of the sofa. To prove this, I have the ORIGINAL email the carrier sent me back in XXXX. Subject reads : XXXX XXXX XXXX : Your order XXXX has been delivered, body states that XXXX has the items and will contact me to schedule. This email states in the subject that the furniture was delivered when in fact it was not. I suspect the retailer provided a similar email when the second attempt at delivery was made in XXXX, which AGAIN, I did not accept and refused the delivery via email, in response to the same. I have attached the email threads in PDF format of the delivery attempts, and have multiple additional emails around the XXXX week delay, if needed.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I find out in my XXXX credit report. I'll had a collection from Apple Card Credit issue by Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX. It say 's in the documents this account is Apple Card consumer credit account opened under in my agreement. And it say 's also in the papers the Co-Owner may have access in my information. I'll never apply this credit and I don't have any idea. And I don't understand why this Goldman Sachs Bank, approved people apply online using other people Identity. It is not safe if this Bank they don't make it sure the information are correct before they approved people applying credit card online. I did call the XXXX XXXX because it say 's in my XXXX report XXXX XXXX is the Data Source and XXXX XXXX.
Company Response:
State: CA
Zip: 94518
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I called prior to making a large purchase to inquire about financing and was instructed that 12 months interest free payment plan would be honored for apple products regardless of where they were purchased as long as they were purchased on the Goldman Sachs Apple Card. I was instructed to call back after purchasing the apple product from XXXX and they would convert it into monthly payments. After making the purchase I called in and was told they would not convert it into monthly payments. I asked to be transferred to a supervisor and was told the same thing. I believe there is a pattern to induce consumers to make purchases under misleading guidance from an Goldman Sachs employee.
Company Response:
State: NC
Zip: 27502
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: This bank is being run by lying degenerates who can not do a single thing right. I set up a wire transfer on XX/XX/XXXX with supervisor XXXX who assured me that it was expedited. Called on XX/XX/XXXX as the wire transfer had still not gone through. Spoke to supervisor XXXX who said that XXXX did not expedite it. Then she goes on to put me on a XXXX hour hold and hangs up XXXX me. Called again and this time got XXXX gain, the one who had set up the wire transfer. She insisted that she had expedited the wire transfer and that XXXX was lying. Then she said that the wire transfer has run into " some '' error and she is not sure what error and she will have to set up another wire transfer. When I asked her to file a complaint against XXXX who XXXX up on me after XXXX hours, XXXX also hung up on me. Now I have XXXX wire transfers showing pending in my scheduled transactions and no one has any clue what is going on. XX/XX/XXXX Outbound online wire to ************XXXX Track my transfer - {$25000.00} XXXX Time XX/XX/XXXX Outbound online wire to ************XXXX Track my transfer - {$25000.00} XXXX Time This bank is bein run by lying degenerates and incompetent idiots.
Company Response:
State: NJ
Zip: 07047
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I transferred money to my Apple Card by Goldman Sachs to cover my balance and my credit card was restricted after. The customer service agent refused to tell me why my card has been restricted or give me a time frame regarding when it will be released. This is unacceptable considering I use this card for the purpose of purchasing groceries and other food items.
Company Response:
State: WA
Zip: 98006
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The account balance has been paid in full for over a month and the account has not been used. Still, the account is being reported as 120 days delinquent when that is not accurate.
Company Response:
State: MD
Zip: 21042
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A