Date Received: 2022-11-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Apple, closed my credit card account didnt disclose any information an sold my information to a third party.. I didnt give consent and also I sent a cease ab desist! Per 15 usc 1692 ( c ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Company Response:
State: OH
Zip: 45042
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I purchased a XXXX XXXX and paid for the part up front and put the rest on the balance on a new Apple GS Bank credit card. Unfortunately, I had to return the XXXX XXXX about a month later. I had paid XXXX monthly payment on my apple card but after I returned the item I was told the card would be refunded the full balance and I would get a check back for my XXXX month payment which was considered an over payment. It took Apple 2 months to credit my GS credit card account and I never got my refund check for the over payment.
Company Response:
State: CA
Zip: 93215
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Trying to get Marcus to get a simple Wire Transfer has taken 2 days and it still hasnt been done. Their agents habitually lie, put you on hold forever and make up excuses that dont even make sense. I asked for XXXX wire transfers and it is the end of the day on XXXX they still have not been done. Not only that they can't even tell me what is the status of those wire transfers. On top of that, they can't even find the record of the XXXX wire transfer request This is my XXXX call of the day to these lying degenerates and they have put me on an hour long hold and still can't provide me the status of those transfers. And it is the same story every time you try to withdraw your money from Marcus. They will lie and do everything possible to make it really hard for you to withdraw your money. I have asked them do whatever verification they need to do but they will lie saying that they dont need any more verification and then when you ask to withdraw any money, they will come up with all sort of made up reasons and delay your transfers for days. Their verification department is so incompetent that they can't even figure out the right bank to call for verification. Just today they called up some random bank and got me on a XXXX way conference call to verify my details when I had nothing to do with that bank. Going by past experience, the worst part is that the person who will respond to this complaint will be a similarly trained in lying to CFPB and will make up some non sense response that won't even address the issues at hand. What else can you expect from the XXXX bank on earth. Their first line of agents are so incompetent, I have just spent an hour and a half with an agent who has no clue how a wire transfer is even done.
Company Response:
State: NJ
Zip: 07047
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: 2022-11-08
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: My Apple ID is XXXX, with Apple CXXXX XXXX made a transaction of $ XXXX by XXXX XXXX XXXX XX/XX/2022, at XXXXXXXX XXXX. A dispute was initially filed due to being charged 33 % more than what was owed. After the items were received, it was realized that they were also damaged, at which point I contacted Apple Card to dispute the whole charge because the merchant had been non-responsive. XXXX insisted that there is a waiting period for proceeding with the dispute, when no such provision is given to credit card companies by the CFPB and/or FTC. It is alleged that Apple Card mishandled this dispute and should, per the situation and criteria mentioned, initiate the dispute on behalf of the consumer.
Company Response:
State: DC
Zip: 20009
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: 2022-11-08
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 bought TWO XXXX but was charged for FOUR XXXX and I was charged for something I didn't buy. According to the attached XXXX XXXX XXXX XXXX statement, there are TWO charges of {$2000.00}. One is on XX/XX/XXXX and the other one is on XX/XX/XXXX. These charges are for FOUR XXXX when I buy only TWO XXXX. As of todat, I still have NOT received the purchase receipt yet. Is it too much to ask for a receipt? Several unsuccessful attempts have been made to contact both the XXXX, MN XXXX store and Apple card. I have no other choice but to report this to the CFPB. In the attached XXXX XXXX XXXXXXXX XXXX, XXXX statement there are two different amounts of refunds. The XX/XX/XXXX is for {$2000.00} and the XX/XX/XXXX is for {$2000.00} But in the same statement, there is a charge of {$2000.00} dated XX/XX/XXXX. From these two XXXX XXXXXXXX XXXX statements there are TWO charges of {$2000.00}, one refund of {$2000.00} - so the two XXXX purchased had been paid. ONE charge of {$2000.00} and ONE refund of {$2000.00} - A NET OF XXXX. I need explanation on this one too.
Company Response:
State: MN
Zip: 55414
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: First i had a problem tranferring XXXX dollars from my marcus goldmsn sachs savings account. Called them they sent XXXX dugit code verification i did thst they released the transfer XXXX XXXX to my XXXX thrn i initiated a XXXX transfer and now locked my account a XXXX time and have to mail notorized verification of identity. And i can not access my money anf need it to live on.
Company Response:
State: TX
Zip: 799XX
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I do not have any account with this company, I have asked that it be removed I am not an authorized user on this account and I have not signed any documents and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? i need accurate data points please Apple Card - Gs Bank Usa Apple Card XXXX Gs Bank Usa ( Revolving ) Accounts - Summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment Status Paid or paying as agreed This is an account in good standing Worst Delinquency None Reported No update received Balance {$81.00} {$4400.00} Credit Limit {$4500.00} {$4500.00} Credit Utilization XXXX XXXX XXXX XXXX
Company Response:
State: NV
Zip: 89084
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. ", is in violation of 15 USC 1692g. " APPLE CARD, '' were to notify me of this in writing 5 days prior. I was not notified. As the Original Creditor, only I can validate this debt. I do not validate this debt.Therefore, the following account must be delete from my report immediately.The reporting of this account are violations of 15 USC 1681, and the Fair Credit Reporting Act { 15 USC 1681 ( a ) ( 2 ) ( B ) } : ( " APPLE CARD, '' ) EXCLUSIONS_Except as provided in paragraph ( 3 ), the " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issue of credit card or similar device. I never gave '' APPLE CARD, '' any verbal or written consent to report anything on my consumer report. No consent is identity Theft. ( 18 USC 1028A ) - '' AGGRAVATED IDENTITY THEFT. '' )
Company Response:
State: PA
Zip: 171XX
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022, I have been notified by my sister XXXX XXXX that she transferred XXXX XXXX USD to my account at Goldman Sachs Bank USA. The funds had not arrived in due time ( 1-3 business days ), so I started to contact Goldman Sachs to check the status of the transfer. On XX/XX/2022, I have received an email from Goldman Sachs employee XXXX XXXX saying that she is " working with internal teams to have the funds kicked back to me ''. Email attached. Today is XX/XX/2022, and I still don't see the funds on my account, not on my sister 's account. Here is the XXXX tracking code : XXXX : XXXX. Please make Goldman Sachs transfer XXXX XXXX USD to my account : XXXX : XXXX XXXX Account number : XXXX Routing : XXXX XXXX : XXXX or transfer the XXXX XXXX USD back to my sister 's account at XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 07024
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am currently reaching out to the CFPB for help regarding an account with Goldman Sachs that hat has caused me severe health, economic and XXXX problems. In XXXX I spend XXXX dollars with Sachs and paid it back without a problem, in XXXX my business was disrupted because of covid and I was closed down unexpectedly. This caused me to miss 3 monthly payments with sachs. I reached out to Sachs explaining my problem, and requested a payment plan but was denied that option. In XXXX a member of management from XXXX reached out to me and after learning of my situation, transferred me to a Claims Specialist to further assist.. The specialist went over various options, so I chose the more affordable for me. I am attaching a copy of the agreement with this complaint. I was promised no interest and no late fees, and a report to the credit bureau. After making 3 monthly on-time payments Sachs promised to reinstate my account. This agreement has been breached by Goldman. I have gotten charged interest, and late fees, and incorrect information has been submitted to the credit bureau. Thius has caused me a great number of problems, including a decrease in my credit score. I have tried getting this fixed on more than 12 occasions, including 4 with XXXX, but Sachs refuses to correct the information. This company is abusing its power and is breaching its agreement with me. The negligence of Goldman Sachs has caused me the opportunity to qualify for a loan that would have saved my business and home. Goldsman has shown no mercy and has refused to correct the error. Goldsman has automatically deducted the payments from my checking account and refused to report this to the credit bureau. I need help against this monster of a company that has caused me so much pain and suffering.
Company Response:
State: TX
Zip: 79905
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A