Date Received: 2022-11-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My Apple Card account serviced by Goldman Sachs refuses to update and report my account balance accurately to the three credit bureaus, XXXX, XXXX and XXXX. I have paid my balance in full on all of my credit accounts because I am trying to purchase my first home. I have contacted Goldman Sachs numerous times to ask them to report my XXXX balance in order to raise my credit score. They last reported my balance information to the bureaus in XX/XX/2022. At that time my balance was {$4000.00}. On XX/XX/2022 I paid my balance entirely leaving a balance of {$0.00} which they did not report in XXXX. As of XX/XX/2022, my balance is {$0.00}. On the 3 occasions I have contacted them they have given me the runaround and provided conflicting and confusing information. I want them to act in good faith with their customers as I have acted in good faith and adhered to the terms of my credit card agreement as a customer in good standing who has always paid my bills on time with them during the three years I have been a cardholder. I have informed them their inaccurate and untimely reporting has negatively impacted my ability to purchase my first home and obtain the best possible loan terms.
Company Response:
State: CA
Zip: 941XX
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-06
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 have made several purchases at the XXXX and charged it to my XXXX XXXX card by Goldman Sachs. I returned several items after I made several installments on them to Goldman Sachs but when I returned them Goldman Sachs did NOT issue a full refund on some of them. I have returned a XXXX XXXX watch XXXX on XX/XX/2022 and I should have refunded back the XXXX dollars that I paid as a first installment but I did NOT. Then I returned an XXXX and I should have been refunded XXXX dollars which I did NOT. And also since I started using this card back in XX/XX/2022 Goldman Sachs has overcharged me several times and I opened several disputes which are still not resolved. Goldman Sachs still owes me XXXX dollars plus another XXXX dollars for a total of XXXX dollars which they should refund back to my XXXX XXXX card. I am attaching screen shots where the installments made on the XXXX band and the XXXX should have been refunded but they are not
Company Response:
State: AL
Zip: 35226
Submitted Via: Web
Date Sent: 2022-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My Apple credit card with Goldman was charged for something I did not buy. There were two charges from the same company. XXXX for {$5.00} and another for {$67.00}. I contacted Apple Card support to report the fraud charges and the immediately adjusted the balance for the {$5.00}. Then I was sent emails stating that the issue was resolved. They did not do a balance adjustment for the {$67.00} but I got an email stating this was resolved because You decided not to dispute the transaction which I did not agree to. I called a somehow got an agent that told me it will take two months to investigate the charges. I asked about the email they sent stating that I decided not to dispute the charges and she said it will take two months to investigate the charge. Now I get no response from Apple Card support. Please help with this issue and force apple support to do its job.
Company Response:
State: HI
Zip: 96826
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I am here submitting a complaint against 'Marcus by Goldman Sachs XXXX in potential fraud that it attempted to perpetrate against me ( and my XXXX brothers who received the same mailing ) with regards to benefits purported to be available and owed to us as a result of my father 's death. I am a grieving widow and daughter -- having lost both my father and my husband in the same XXXX XXXX XXXX in XX/XX/2022. A few days ago my self and my two brothers each received a XXXX priority mailing from Goldman Sachs Bank. Although the material purported to be sent to me as a " named beneficiary for a deposit account '', the name of the deceased was not included in the paperwork nor was there any specific information included about said account. The lengthy document did however include requests for a substantial amount of personal information, with the mailing also including a pre-paid envelop -- all very official appearing. Several calls placed to Goldman Sachs in order to verify the mailing were met with obfuscation ( in one instance ) and finally ( in a second call ) a concession that my father 's Goldman Sachs account had been closed and, for some reason, still held {$3.00}. I want to know from Goldman Sachs : Why did they contact us if my father 's account was already closed? Further, I want Goldman Sachs to explain why the following personal information was demanded of me in its mailing to me as a supposed beneficiary of an account ( which was in fact not the case since the account was closed ) : -- My father 's death certificate -- My completed XXXX including my social security number -- My date of birth, address, and full legal name -- A notarized copy of my state/US government identity card -- Verification of my willingness to undergo a background check In addition to my receiving a XXXX share of {$3.00}, what use did Goldman Sachs have planned for my personal information? And finally, I want Goldman Sachs to provide a response to how it planned to safeguard my personal information? I am astonished, quite frankly, by the blatant attempt by an apparently legitimate company ( Goldman Sachs ) to extract my personal information and that of my deceased father. I can't help but suspect that Goldman Sachs is engaged in data harvesting, which could leave me vulnerable to identity theft. In submitting this complaint, I want to force Goldman Sachs to explain itself in order to safeguard other vulnerable Americans. Sincerely, XXXX XXXX XXXX
Company Response:
State: CO
Zip: 80301
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I always received paper statements for XXXX years, and in XX/XX/2022, I did not receive my paper statement, so I was late with my payment, first time EVER! After several calls they credited late fee but they didn't tell me they were charging a trailing interest, which I never heard of, that totalled {$100.00}, and they won't credit it.
Company Response:
State: PA
Zip: 15301
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for an application but was declined, however the company is refusing to provide a reason in violation of XXXX. I need to know why my application was denied.
Company Response:
State: NY
Zip: 10952
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I was recently denied my own credit on XX/XX/22 for an apple card from Goldman Sachs Bank Usa. XXXX XXXX XXXX XXXX which is adverse action under Equal Credit Opportunity Act. I exercised in good faith Pursuant to 15 usc 1691 ( a ) ( 3 ) when I filled out my credit application for an apple card. Pursuant to 15 usc 1602 ( e ) I, the natural person credit is my right. Pursuant to 15 usc 1602 ( f ) I am the original creditor who regularly extends credit. My credit card was used pursuant to 15 usc 1602 ( l ) in this consumer credit transaction which is an open-ended credit plan. Goldman Sachs Bank USA did an unauthorized use of my credit card Pursuant to 15 usc 1602 ( p ) at which I the card holder receive no benefit. I have sent a letter certified mail to Goldman Sachs Usa, XXXX XXXX XXXX XXXX demanding my right to my own credit.
Company Response:
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: For 6 months I have been being billed {$0.00} followed by a ghost charge - I was denied during the {$100.00} signup promotion & company never provided a response by physical mail or reason as to why I was denied I believe this company may be age discriminating
Company Response:
State: VA
Zip: 23229
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Goldman Sachs/Apple XXXX says that they report the status of all accounts once per month in the third week. But, this is not true. Sometimes the status/balance is reported in the third week, sometimes the data is updated after my payment due date on the XXXX of the month. In either event Goldman Sachs will not give a precise date on which the account status is reported to the credit bureaus. It's impossible to monitor my credit and manage my finances without a specific STATEMENT CLOSING DATE.
Company Response:
State: CA
Zip: 94611
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XXXX of XXXX, I was the victim of financial fraud facilitated primarily through my Apple card linked to my XXXX. Someone gained access to my card and rung up $ XXXX in charges. Upon reporting fraud to apple, they locked down my XXXX account, which blocked me from accessing the Apple card, as the only way to see the card balance or make payments is through the apple wallet app, associated with the XXXX account. I reported this fraud to Goldman Sachs, who services the account for Apple, and they were able to reverse the charges. Goldman Sachs then advised me in a call a few days later ( on a recorded line ) that the account balance was {$0.00} and the account was closed and there was nothing more I needed to do. My credit report was updated in XXXX to reflect this and the account is still showing as closed. Now however, Goldman Sachs reporting a balance to the credit report and is continuing to charge interest on it, in contrast to what they already advised me and what they previously reported to the credit agencies. I am now left in a situation where Goldman is trying to collect on a balance they previously told me was gone, charging me interest on that balance, and not providing normal avenues for payment. Goldman Sachs has been unwilling to provide me an account number, or any information on how I can access the account, and has left me with no way of resolving the issue. As of now, in the month of XXXX, they have reported an increase to the balance of the account that is supposed to be closed and it is now negatively impacting my credit score.
Company Response:
State: NY
Zip: 11103
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A