Date Received: 2022-10-29
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Problem/Issue : After informing Marcus about an incorrect address, Marcus continues to send statements to an address that I no longer live at. Result : Statements not received, late statements and a risk to me as someone can pick up my statement and create fraud. Marcus management is neglecting their duties to protect my data, inform me of a regular timely statement through US mail that can be paid before encountering a late fee. Expectation : Marcus will permanently fix the address issue and send me timely reliable statements. Background information : Marcus took over the GM Card after XXXX no longer did this in XX/XX/2022. I moved and informed Marcus of my new address. I began receiving the statement at my new address with the correct address. In XX/XX/2022, I did not receive a statement from Marcus. I logged on to Marcuss website and downloaded the statement and paid the bill. I called Marcus and informed them that I did not receive a statement. They offered to mail one or email it to me. I informed Marcus that the XXXX statement had an error on it, and the address was incorrect. I indicated to Marcus that I wanted them to correct the address issue and send statements to my current address and that there was a problem with their information billing system. Marcus has my current correct address associated with my customer profile. I also provided it to the customer service representative who indicated that Marcus would fix the incorrect address. The customer service representative seemed to not understand the issue after repeating the situation a number of times to her. On XX/XX/2022, I received a letter from the US Post Office with a yellow label on it stating inform sender of address. I opened the statement, and it had my old address on it. I received the statement late and had to rush to pay it before encountering a late fee, in which Marcus is to blame, since they again failed to protect my data and send me statements directly. I called Marcus again to inform them about the incorrect address on my billing statement. Again, I found disconcerting was that the representative would not take the issue and assure me that it will be fixed. I informed Marcus that I am going to file a complaint. Marcus does not seem to care about my personal data, business with them, compliance with the credit card agreement, and sending me reliable, accurate and timely statements.
Company Response:
State: AZ
Zip: 85119
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a complaint # XXXX that was closed, however the issue has not yet fully been resolved. I was dealing with XXXX and she was helpful, but needed to follow-up after XX/XX/23 to finalize issue of interest fee charges. She called after business hours, as they always do and I repeatedly told them they must call during hours of operation so we can address this business account properly. I tried to call the main number back to leave a message for XXXX and was told they have no way to get message to upper management who is working with me. -I never received last months bill in the mail and never got a response as to why. They continue to not send invoices, then charge us interest and late fees. Can't rely on online statement because when I access my account online, it shows double billings- have not gotten a return call to address this issue. -Just printed out my last months bill and found more interest charges that need to be resolved. This is a continuation of the first complaint and need an upper mgmt person to contact me at XXXX.
Company Response:
State: PA
Zip: 19023
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
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: In XXXX, 2021 I received a late payment notice on my credit report. I was affected by Covid-19 and was unable to work, the payment was made and the creditor was aware of how Covid-19 affected me. My state had strict Covid restrictions and because of this I was laid off as non-essential and had to find safe work as I'm XXXX XXXX. Goldman Sachs is the creditor and even after multiple disputes they are unwilling to cooperate with me to remove the late payment despite an agent telling me he submitted a claim to have it removed on my behalf after my disputes were rejected.
Company Response:
State: CT
Zip: 06484
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: dear gs bank/apple This letter is a formal request to correct inaccurate information contained in my credit file maintained by your organization. The item listed below is completely inaccurate, incorrect, misleading and is a very serious error in reporting. Line Item : account # XXXX Additionally, I have enclosed a copy of the credit report your organization provided to me on XX/XX/2022 and circled the item described above. Under the federal Fair Credit Reporting Act, credit-reporting agencies are required to maintain and report only 100 % accurate credit information and to investigate any claims of inaccuracy within 30 days of receiving such a claim. I respectfully request you investigate my claim. If after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item and supply a corrected credit profile to me. Additionally, within 15 days of the completion of your re-investigation, please forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. Sincerely, XXXX XXXX
Company Response:
State: CA
Zip: 92551
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I had a XXXX year CD mature on XX/XX/2022 and had specific instructions to close the CD and disburse funds at maturity and I have a confirmation email of these instructions from the bank on XX/XX/2022 However the bank blatantly disregarded my instructions and renewed my CD and is now attempting to charge me an early withdrawal fee to access my funds
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Ive been a customer for a while now When I called to see about lowering my interest rate on my accounts, Im treated, so Im trying to steal money from the bank. Or the monies coming out of the agents pocket. I have good credit. Ive been an excellent customer. Youve made plenty of money off me over the years. I dont understand why banks have to be so greedy you make billions and profit but the average guy whos just trying to get by I easily work 50 hours a week I take care of my kids. I always pay all of my bills on time but I dont understand why the bank cant just cut me a little slack here. Inflation is out of control and thats not your fault but its made everything so much more expensive, and when I call and I asked to see if you can lower the interest rate even if you lowered it just temporarily, that would be a help. Please explain to me why you have to be so greedy, and so unwilling to help the every day guy out here just trying to get by, why cant you lower my interest-rate? I mean is it really going to affect your bottom line that much youre still going to make billions and profit have some compassion put yourself in my shoes. I am not asking you to reduce my balance in any way Im not asking to skip any payments. I will pay my bills like I always do but the interest at the level it is is making it virtually impossible to pay off this credit card. Does the bank have to be so greedy? Cant you have just a little bit of compassion Even if you just lowered it temporarily even safe for a few months six months or even a year that would be a huge help. Id be better if you could lower it permanently but Ill be happy if I could just get a lower interest rate for a few months anything to help please have some compassion. Thank you for your time and consideration. God bless.
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: We didn't receive any special letters or notice from opening the account to closing it. However, " Apple Card / Goldman Sachs '' keeps on mailing " {$0.00} balance '' statement to our mailing address. We already are aware that the balance is at " {$0.00} '' but what is " Apple Card / Goldman Sachs '' trying to achieve now/later/etc by keep on sending statement letters? Again, we didn't receive any special letters or notice from opening the account to closing it. ( Despite requests to stop mailing those unnecessary statements. It's becoming one of spam letters to be discarded ). Shall we mail a letter that includes SSN for confirmation to stop these statements? Is " Apple Card / Goldman Sachs '' able to simply turn off this statement from being mailed month-to-month?
Company Response:
State: CA
Zip: 94566
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I closed the account because the credit card company can not validate the debt. I am the original creditor as a result, I have been contacting the merchant to provide the following documentation. certificate accounting statement they have so far went delinquent In this matter. I have sent past due invoices for them to pay my company for the following charges U.C.C. 9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, A PROPER BILL. {$1500.00} per page. It is my understanding that if no dispute, rebuttal or contest of this NOTICE OF UNDERSTANDING AND CONDITIONAL ACCEPTANCE AND REQUEST FOR A PROPER BILL AND LAWFUL CONTRACT AND FULL RECORD OF ACCOUNTING AND FEE SCHEDULE, Notice of Lien Notice Of Lien, Truth and lending violation, Mail Fraud and Racketeer, falsifying records, deceptive and misleading representation, violation of Fair Debt Collection Practices Act. Title 15 USC .1601 ; Title 15 USC 1692 15 USC 1692 ( g ) ( 8 ) ; USC Title 18 2071 and 2073 ; USC Title 18 471, 472, 473, and/or 513 ; Title 18 USC 1341- 1842 XXXX XXXX XXXX 249 P. 2d 257 and 260 Title 28 USC 1746 ( 1 ) I am asking for the CFPB to contact them to have my account settled, discharged and close with a XXXX balance and my invoice paid. Thank you any question call me XXXX.
Company Response:
State: MD
Zip: 20743
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Ive been having issues with Goldman Sachs since the transition from XXXX XXXX. I was receiving paper statements since the transition. However they had my name wrong and when I went to change it to my legal name I have not received a paper statement since. I did not change that option myself. Numerous customer service reps have been unable to assist me and keep transferring me to another who doesnt know. I have at least 3 customer service reps written down that have failed to resolve this issue. I highly suggest actually using your recorded system to do a quality check on my account and unsuccesful attempts I have made with no results. Im sick and tired of getting " potential spam '' calls from this company and remaining unresolved. My monthly hardship agreement with XXXX XXXX prior to the transition is $ XXXX. Now its accumulated with fees probably and no one can help me. If I dont get a paper statement I do not know when my payments are due.
Company Response:
State: MI
Zip: 49024
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have had a high-yield savings account with Marcus by Goldman Sachs for nearly 9 months. The bank has an offer that allows customers to earn a higher yield on its savings for a period of 3 months for each referral of a new customer. The offer allows customers to refer up to 5 new customers per calendar year. The rate bump started out at an additional 0.50 % APY, but in XXXX the bank increased the offer to an additional 1.00 % APY. When the offer was 0.50 % APY, I referred 3 new customers to the bank using my unique referral link assigned by the bank, which I emailed to the new prospective customers to open their accounts. When they opened their accounts using the unique referral link, almost immediately I received an automated email from the bank thanking me for the referral and my account reflected same. However, when the offer was increased to the additional 1.00 % APY, I referred two more new customers to the bank the same way by emailing to them my unique referral link ( reaching my maximum of 5 referrals for the calendar year ), but this time I did not receive the automated emails nor were the referrals reflected on my account. The customers I referred opened up their accounts on XX/XX/XXXX and XX/XX/XXXX, respectively. I get the impression that this has become a common problem. I don't know if this is intentional by the bank to get new account holders without honoring the offer or if it is a technical glitch on the banks end. There is just one customer service line to call to try to resolve any issues with the bank ( XXXX ). The representatives are not well trained and the supervisors are not helpful. They assign case numbers but never call you back. On one call, I spoke to a supervisor and conferenced in both of the customers I had referred to verify that they used my unique referral link to open their accounts. That supervisor put us all on hold to speak with her supervisor only to come back on the phone explaining that the information on their system was different from what we were all telling her, essentially suggesting that we were lying to her. I have now called the customer service number on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have yet to have my issue resolved. I feel I'm being treated unfairly and the bank is not dealing honostly with me.
Company Response:
State: FL
Zip: 32765
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A