Date Received: 2022-11-12
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/22, I reported unauthorized transactions with Apples Goldman Sachs card. There was nearly {$3000.00} in purchases applied to my card which occurred inside of an app from XXXX. It has been more than 2 months and now I am receiving messages that my dispute was not in my favor and the charges are reappearing on my card. I had just paid off my card prior to these charges being made and the company is not willing to see my view on the matter.
Company Response:
State: VA
Zip: 23116
Submitted Via: Web
Date Sent: 2022-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit reporting act this creditor has violated my rights under 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 an account without my written instructions. Under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: IN
Zip: 46835
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Please note that this is not a duplicate complaint. This is about an unauthorized wire transfer done by XXXX because of their sheer incompetency and carelessness. XXXX has no internal controls or validations. They delayed my XXXX wire transfer requests of $ XXXX each ( to XXXX different banks ) for days for no valid reason. Now they have incorrectly sent both wire transfers of $ XXXX to the same bank. Not only that, when I called them to alert them about their mistake this morning, they still failed to do their due diligence and prevent this disaster. A supervisor named XXXX lied to me on a recorded line saying that even though there are XXXX debits in my account of $ XXXX going to the same bank ( XXXX ), the second transfer is indeed going to the correct bank XXXX XXXXXX/XX/XXXX). Of course that was again a lie. I just checked my XXXXXX/XX/XXXXand they have received $ XXXX and $ XXXX from XXXX. How can people running XXXX be soXX/XX/XXXX? They have put me over the FDIC insurance limit with the XXXXXX/XX/XXXXbecause my bank balance with that external bank is now over $ XXXX. On top of that, my financial transaction with the XXXXXX/XX/XXXXis on hold now as they never completed that $ XXXX wire transfer. Just now spoke to a supervisor XXXX and all she can do is say " I apologize '' with no way to fix anything. Because XXXX has fraudulently sent another $ XXXX to XXXX XX/XX/XXXX without my approval, there are not enough funds left in my account to send to XXXXXXXX XXXX XXXX XXXX as per my instructions. And XXXX is refusing to do anything about this other than to say " I apologize ''. I can't complete the transaction for which I needed the $ XXXX in XXXXXXXX XXXX XXXX XXXX and I have lost days of interest on the unauthorized XXXX transfer they sent to the XXXXXXXX XXXX History XX/XX/XXXX Outbound wire to XXXX XXXX XXXXXXXX. - {$250000.00} XX/XX/XXXX Outbound wire to XXXXXXXX XXXX XXXX - {$250000.00} The one from XX/XX/XXXX in unauthorized wire transfer. Scheduled Transactions XX/XX/XXXX Outbound online wire to xxXXX - {$250000.00} My authorized wire transfer request to XXXX XXXX is still pending and is still showing up in Scheduled Transactions even though there are not enough funds left in that account because of XXXX 's unauthorized activity. Here is the case number that was provided to me XXXX XXXX
Company Response:
State: NJ
Zip: 07047
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have been locked out of my account after I initiated a transfer from my Account at Marcus to an external account. They are not allowing me access to my funds.
Company Response:
State: MO
Zip: 64063
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: someone opened XXXX different credit cards in my name. I've talked to the creditors but was told to file a fraud claim to receive a report to provide to them.
Company Response:
State: CO
Zip: 80906
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Please note this is NOT A DUPLICATE complaint Marcus is refusing to let me withdraw my money. It has been 2 days and they keep lying and making excuses. I still don't know what is the status of my 2 wire transfer requests. They have verified every single bank from which the funds came in and still refuse to do the wire transfer or provide any status. On top of that they keep lying repeatedly on recorded lines that it will go out today or it will go out tomorrow morning. And the next day they repeat the same lies all over again. These lying degenerates think they are doing the clients a favor by allowing them to withdraw their own hard earned money. I have plenty of recorded calls to prove their lies. I was told yesterday that all verifications and done and they are " expediting '' the wire and it will go out yesterday. Of course, that was a lie. Then yesterday evening, I was told that it will go out at XXXX in the morning. Again a lie. Then this morning I was told that all verification is done and that it will go out today. It is already XXXX now and still nothing. Called and got a really evasive supervisor XXXX who said it is being reviewed. She was just reading form a script and kept repeating like a parrot " 1 to 3 business days ''. When I asked her, tell me the exact day and time, those 3 business days will be over, again no answer.
Company Response:
State: NJ
Zip: 07047
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received an alert from XXXX credit monitoring that an account with Goldman Sachs was opened using my social security number. Account was opened on XX/XX/22, I received the alert XX/XX/22 and emailed XXXX ( fraud email with company ) to report.
Company Response:
State: VA
Zip: 24073
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I reside in XXXX XXXX. We were hit by a XXXX in the month of XXXX. Goldman sachs Apple card sent me an email on XX/XX/XXXX to inform that I had been enrolled in the XXXX XXXX XXXX. The perks of this program ... XXXXyou may skip the payment due on XX/XX/XXXX and no interest would be charged in the XX/XX/XXXX statement. I paid the balance in full on XX/XX/XXXX ( prior to the statement date ). To my surprise XXXX am bein charged {$100.00} in interest. Twice I have made a claim and twice i have been rejected. The representative refused to explain why theclaim had been rejected even though she read the email they sent me
Company Response:
State: PR
Zip: 00987
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Around XX/XX/2022, I had a credit card balance of {$420.00} for the apple card. I used another credit card to pay off that {$420.00} ( since they had a promotion ). This is the second time I have used this other credit card to pay off the apple card, and I only do it to pay off an entire balance. Two days later, I received an email from XXXX XXXX informing me that I was invited to their store to purchase a XXXX XXXX I decided I would use the card that Friday for the XXXX, and it was the only big purchase I made on that card. That Friday, I made the purchase which jumped the balance to $ XXXX on XX/XX/XXXX. Since I was buying it for a friend, he sent me most of the money, and I immediately paid off {$340.00}. The balance dropped down to XXXX XXXX. After waiting a week, I noticed that the balance stayed the same because of the payment I made on XX/XX/XXXX. So I called Apple card support the first time, and the woman said everything was correct ( no, it wasn't ). The second time I called, another woman said that the offline payment still needed to register and that I should wait until the end of the week XXXX XXXX for an update. The balance didn't change, so I called a third time ; another woman on the line said the same thing and said she would escalate to her supervisor. I got an email days later stating that my balance was around XXXX XXXXXXXX and the balance shown was correct, which is not.
Company Response:
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I applied for the apple card on XX/XX/2022 using a referral link my friend sent me for {$75.00} daily cash after making your first purchase. On XX/XX/2022 I made my first purchase on the card. On XX/XX/2022 I got the daily cash for the purchase, but I did not get the {$75.00} daily cash that was promised through the link. I contacted Goldman Sachs, and the representative informed me that the refer a friend promotion expired on XX/XX/2022, however there is no mention of this through the link which is still active on XXXX 's website, and I was not aware of the expiration of the promotion. The link is apple.co/refer. It is still active without any mention of an expiration date or any indication that it is no longer valid.
Company Response:
State: CA
Zip: 92078
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A