Date Received: 2023-12-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I hope this letter finds you well. I am writing to address a matter of concern related to the accuracy of the information on my credit report. Upon reviewing my credit report, I have noticed the presence of late payments that I believe to be inaccurately reported. GOLDMAN SACHS AND CO XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or GOLDMAN SACHS AND CO customer service representative. I would like to bring to your attention that the reported late payments are not reflective of my actual payment history with the mentioned creditor. I take pride in maintaining a responsible and timely payment record, and the inclusion of these late payments is both puzzling and damaging to my credit standing. In light of the above, I kindly request that you conduct a thorough investigation into the accuracy of the reported late payments and take immediate action to correct any inaccuracies found. I believe this discrepancy may be the result of an error or misunderstanding, and I am confident that a review will reveal the true nature of my payment history. I understand the importance of accurate credit reporting and the impact it has on one 's financial standing. As such, I appreciate your prompt attention to this matter and request that you provide me with written confirmation of the resolution once the necessary corrections have been made. If further information is required from my end to facilitate this process, please do not hesitate to contact me using the information provided above.
Company Response:
State: CA
Zip: 90266
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with FCRA the creditor Goldman Sachs/Apple has violated my rights. Under 15 USC 1681 section 602 status I have the right to privacy. 15 USC 1681 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late.
Company Response:
State: IL
Zip: 60448
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
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 and purpose.
Company Response:
State: NY
Zip: 11207
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Apple Card/ Goldman Sachs closed my card on XX/XX/2023. I have always paid my balance as requested on time. I telephoned Apple Card three times. I was told that they would not provide additional information
Company Response:
State: MD
Zip: 20814
Submitted Via: Web
Date Sent: 2023-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
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 been in dispute with a charge on my card that was not made by me. Call the company they couldnt provide any information on the purchase. Where it happened what was purchased. I filled a police report with my local authorities. Upload police report 3x Goldman Sachs. Currently enrolled in fraud protection for my identity. Its been about 8 disputes and no resolution.
Company Response:
State: CA
Zip: 92126
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: After receiving an emailed alert from XXXX regarding negative information reported in my credit report, further investigation revealed that a so called lending institution listed me as delinquent in repaying a personal loan showing my name as a co-signer. I contacted the company and after having their legal dept return my call i was informed that they obtained my consent and signature by electronic means and NOT by personal contact OR appearance. since the loan was defaulted they have since sent me correspondence regarding this debt. I want to report this institution for unethical practices, fraudulently using my name to extend a loan without my consent or agreement to cosign such loan. GREENSKY XXXX XXXX XXXX XXXX, GA XXXX
Company Response:
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
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: XX/XX/2023 I purchased copper water bottles from a company called XXXX. The bottles were expensive for their size but with them being copper I expected that. My bottle doesnt show up for months and when it does it is a stainless steel XXXX XXXX XXXX water bottle not the copper one I had purchased. On or around the same time on social media XXXX became well known as the scam water bottle company that everyone who purchased got the stainless steel cheap version. I did a lot of research found that XXXX changed their domain name often it was XXXX XXXX XXXX XXXX. I knew that it was a sham. I disputed the charge on my Apple Card and sent to them through their chat all the photos and documents to show what I bought what I paid for and what was sent. A no brainer except Goldman Sachs ruled on XXXX side. I have now reopened this dispute for the third time and the biggest problem is Goldman Sachs sends an email asking for me to attach my documents I have done this now three times, I have sent them in chat three times with the guarantee the right department will get my dispute. The email bounced back which makes this process a nightmare. How do you dispute something when the email you are asking for attachments to be sent bounces back?. We are now 6 months in and I want this to be settled. I believe doing it here will allow you to see everything I have sent to rule in my favor! Of course XXXX is long since gone off the net for a while they replaced the water bottles with gold watches until people found out that this person/persons was stealing from hundreds of thousands of people.
Company Response:
State: CA
Zip: 90034
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Money was not available when promised
Subissue:
Consumer Complaint: Requested wire transfer from my Marcus Goldman Sachs on morning of XX/XX/XXXX to another domestic bank account I own. Money has still not been returned to me as of afternoon XX/XX/XXXX. Customer service is unhelpful in answering why or what is preventing the wire from processing, despite the transaction being approved. They will not cancel the wire and send another way, so my funds are stuck in limbo until they resolve. They told me I have no recourse except wait for the wire to process.
Company Response:
State: VA
Zip: 23220
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: i have 2 phone and XXXX XXXX so i try to use apple pay with my 2 phone but when i tried to add my another apple credit card for another phone but they don't let me do and closed my account. At that time my credit card was used about XXXX $ i can't pay right away on XXXX XXXX because im on my vacation. 2 days later when i come back to home when i get cash to deposit to pay my debt but everything was gone. i can't see any transaction and my apple credit card anymore. i was try to call apple card service time to time they just tell me wait and just said they can't find my account even with my social number. while when i try to open another apple card it said i already have an exist account. So now that debt keep make my credit score going low. i wa n't to pay off the balance but they don't let me do it.
Company Response:
State: OR
Zip: 97015
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2023 I was charged {$2200.00} on My Apple card. This was a charge from XXXX XXXX. XXXX did a pre authorization for every charge that totals this amount but instead of charging each amount of the pre authorization they left them intact and charged the total at the end. Goldman Sachs has a hold for all of these charges and will not release them without something fro XXXX. I am essentially being charged twice by XXXX but Goldman will not help with this matter. Charges that were set up on autopay from other companies have been declined due to this hold which has resulted in additional charges from them
Company Response:
State: SC
Zip: 29720
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A