Date Received: 2022-11-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: on XXXX XXXX, 2022, Received an alert from XXXX XXXX on my XXXX account that a new Goldman Sachs Bank USA account was detected. I didn't apply for this company 's services and have no idea who did use my name. The notes stated that the account was opened on XXXX XXXX, 2022. I have never applied for this account and spoke with the company 's fraud department. They informed me that their company doesn't do credit checks and I should report this to you and several other credit agencies.
Company Response:
State: VA
Zip: 23666
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-19
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: After receiving continued charges from subscriptions that were already terminated, I first fully paid my Apple Card payment of $ XXXX on XX/XX/22 and locked my card. Then in the following weeks, I noticed extra charges again in addition to Apple Card interest so out of frustration and my last resort, I called customer service, paid the additional balance of $ XXXX in full and closed my account. I explicitly asked the representative that whether this includes all the charges on my account and that I will no longer receive anymore fees and the representative confirmed. I have many other credit cards that I have properly managed in the past 9 years without a single missed payment, but the Apple Card 's horrible customer service and lack of transparency on details of charges and their inability to discontinue or dispute charges led me to closing the account. However, on XX/XX/22, I noticed my credit score was dropped and the close-up details showed a missed payment from Apple Card. To my surprise, I checked the details and despite showing that my account is closed, it entailed an unexplained $ XXXX interest. With raging frustration, I called the customer service the same day, inquired about this interest charge that made no sense after closing an account and since the representative had no idea and didn't know why I was charged, told me that I will receive a call back from her supervisor. On XX/XX/22, I received a missed call from them, with a voicemail to call back again. So I called the next morning ( on XX/XX/22 ), expecting to be talking to actual specialists. I presented my case clearly at the beginning of the call and asked to be routed to the final escalation as I need 1 ) explanation of this interest that makes no sense when an account is closed and one expects to have nothing to do with that card/deal anymore 2 ) answer as to why my account and data was still recorded after account deletion - this to me is a data privacy leakage and even if it's not considered to be legally, I wanted an explicit way to remove all my data as I wish to longer run into unexpected issues with this irresponsible creditor. 3 ) A remediation on my credit score and whether this late payment can be un-done as it has caused damage to my credit card. Despite my explicit query up-front, I was held on call for 50 minutes, just to be told that the person was a new hire, and didn't know what could be done. ( and unclear answer as to maybe this could be a trailing interest ) I asked why I can't be transferred to the supervisor, and the representative said that she can't transfer me. I was suggested that I needed to call back and ask to talk to the supervisor but somehow she did not suggest me that in the beginning and wasted my time. But I suspect dishonesty from the representative or the supervisor in the background who refused to connect. ( because she at some point mentioned that the supervisor asked whether she can waive the interest and she was not about to do that on her system ) In my 9 years of being a credit user, this has been the worst experience I've had in all aspects of their card from transparency at data level, to customer service. Every time I've called, the representatives has no idea and bounced me back and forth without any explicit solution. The card has no email or official means for communication besides their useless phone number and no dedicated department for complaints, disputes or cases such as this. Hence, my complaint is not about the small $ XXXX charge. It's not about the money, it's about the many standards that have been broken and the damage caused to my credit score. I have no idea if this can be undone and remediated from the card 's side but I was in a critical period of needing my score to be stable and good and Apple card has caused me damage twice : first by me having to close my card and second due to this charge post closing my account.
Company Response:
State: MD
Zip: 20817
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I was rejected for a Marcus Goldman Sachs savings account because I am XXXX and their system can't handle this. This is a human rights violation to deny someone a basic service. I am a XXXX XXXX with a legally updated name. My gender and name are updated with the Social Security Administration. Goldman Sachs categorically rejected my application due to my " personal information '' being inaccurate, without allowing specifics. I then proceeded to out myself and had to gave the old deadname information. An hour on customer service and they still rejected me. They said they can't verify it through their online system and as an online-only service they must reject me. I deserve equal access to high-quality savings accounts. Marcus Goldman Sachs needs to allow access for XXXX people by fixing their identity and credit search system.
Company Response:
State: NY
Zip: 11385
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
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: Hi, A duplicate/incorrect installment charge of {$1100.00} was added to my card in XXXX statement. I filed a complaint with Goldman Sachs and it was determined that the charge on my card was incorrect and will be removed. I would not be responsible for the charge CASE ID : XXXX However, in the latest XXXX statement, the entire {$1100.00} charge was added to the my transaction list as " Cash Back redemption ( REVERSAL ) '' and I am required to pay this entire amount by the due date. I reached out to the customer care and they are pretty clueless about this. In my call with the manager who informed me about the resolution of the above case, it was clearly explained that I will not be responsible for the charge ( Feel free to review the call recording ). I have had more than 6 calls and 4 escalations with XXXX 's support team. It is really frustrating that there is still no resolution. I do not have the patience to call and explain the issue everytime I speak to someone at XXXX 's support.
Company Response:
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XXXX XXXX XXXX was moved to Marcus by Goldman Sachs in XXXX. New card rcvd in XX/XX/2022. In XXXX I spoke with several in mgmt, one was XXXX on XX/XX/XXXX due to my rewards points were expiring & my rewards points not listed on the monthly invoice. It appeared to be rectified but was after several calls & blamed on transition. My current invoice due in XXXX was rcvd without rewards earnings again. These points are actual dollars I can use toward the purchase of a new GM vehicle. Therefore I watch closely to support the earnings are accurate. I called Goldman Sachs customer service XX/XX/2022 & spoke with XXXX. I explained my concern & her reply was : go online, company leaning toward self serve & the earnings rewards are not showing monthly but every other. I voiced my displeasure of not receiving this info as we had for over 15 years this credit card with GM & had no issues. I do not believe the credit card company has the right to withhold the earnings info. It is a primary reason on why I have this credit card for the rewards benefits. If I can not monitor how can I dispute if it is right or wrong or should they decide to remove expired points like before & that was in error. I just happened to stumble on it. Thank you for your assistance in this matter.
Company Response:
State: WI
Zip: 544XX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Goldman Sachs Bank USA has violated 15 USC 1691 ECOA. By not extending me my credit with my credit card I used for this transactions.
Company Response:
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: XX/XX/XXXX - Approved for XXXX XXXX XXXX for up to {$15000.00} XX/XX/XXXX - No card received Unable to use promotional period
Company Response:
State: CA
Zip: 92027
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: This complaint is for the Apple Card issued by Goldman Sachs Ive had the card since it first launched and never had any issues. I woke up on the morning of XX/XX/22 to see an email that my account had been closed. No reason disclosed and I was told to wait for the letter or contact XXXX of their representatives. My account wasnt past due, I didnt violate their Terms & Conditions, and I was not over the credit limit. Contacted their support and was told they can not disclose the reason due to privacy. Then was told to reapply again. I was transferred to their supervisor and was told he would email the reason to me and to reapply again. Never received this email that supposedly was going to contain steps to reopen my account. Fast forward to XX/XX/22, I finally got the letter. The reason for closing my account? Apparently per my request. I have never contacted their support to close my account. This needs to be fixed and my account reopened. I did not request to have my account closed and its not right that their only resolution is to have me reapply again. I should not have to do this since this a mistake on their end.
Company Response:
State: CA
Zip: 92630
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
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 XX/XX/2022, my GM Rewards Credit Card by Marcus at Goldman Sachs was charged in the amount of {$470.00} by a merchant that I did not recognize and was unaware of - it was an unauthorized charge ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ). Upon realizing this, I raised the issue to Goldman Sachs and they temporarily refunded the disputed amount while they investigated. Today, XXXX XXXX, 2022, I received notification from Goldman Sachs that my dispute claim was denied because the " merchant was able to provide sufficient evidence. '' Goldman did not explain or show me the evidence that was provided to them. I'm a consumer and am simply trying to dispute a charge that is fraudulent and I don't recognize. Yet, I'm being penalized by Goldman for this charge and am now being charged for {$470.00}. My account ends in XXXX and the dispute ID is XXXX.
Company Response:
State: IN
Zip: 465XX
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XXXX ( XX/XX/XXXX ), I obtained a home improvement loan through XXXX XXXXXXXX XXXX. At the time the loan was taken out, XXXX XXXXXXXX XXXXXXXX filed a lien against my property for the loan amount ( recorded XX/XX/XXXX ). Sometime after that, XXXX XXXXXXXX XXXX changed its name to XXXXXXXX XXXX. There were multiple loan servicers assigned over the next few years. From what I was told by a representative from XXXX, they sold a portfolio of loans to XXXX on XX/XX/XXXX. They advised me to contact XXXX to resolve my issue as it was sold to them. I contacted them several times and no one could access the account and provide no information whatsoever. They indicated that they have no record associated with me. I asked to have the issue escalated in order to access what is likely an archived account. I sent an email to the department suggested to escalate the matter on XX/XX/XXXX and have not heard any information back from them. In addition, there was NO recorded assignment of this debt to XXXX. They can not provide me with any account information and say they have no record of me at all. I have no data on this as it was over 15 years ago when this began. I need XXXX to release the lien on my property as it is interfering with my ability to sell my property.
Company Response:
State: MO
Zip: 63031
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A