Date Received: 2022-10-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2022 I made a payment to the credit card Marcus Sachs of {$500.00}. My payment was XXXX the money order was cashed XX/XX/XXXX I called to make a report. Five times also on my credit score. They told me that my money order is in a different XXXX XXXX but it has the same name of the credit company.
Company Response:
State: NJ
Zip: 07305
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Apple refuses to close my account and allows charges to keep posting even though customer support says my account is closed and that when accounts are closed its impossible for transactions to post. I have contacted customer support multiple times through email, text, and phone correspondence and no action has been taken for months. Each time I contact support there is no historical record of my issues and they refuse to provide a date when my account was fully closed. I am very concerned Apple will keep my account open to allow charges to post indefinitely, as has been the case so far. Apples only response to any of my requests is to ask for dispute info. There has been no acknowledgment of my request to close my account, and I dont receive a reply when dispute info is provided even from months ago. Customer support has also stated that I have 0 open disputes. Apple has also blocked my access online so I cant retrieve account closure documents or other statements. Because I dont have access I was tricked into making fraudulent payments in XX/XX/XXXX even though the customer support I verbally spoke to told me it would be resolved after making these payments. I also can't see where the charges are coming from, Apple has indicate it's only from XXXX XXXX XXXX, but there could be late fees and other charges since I can't view details. Transaction dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account close date : XX/XX/XXXX - XX/XX/XXXX 2022
Company Response:
State: TN
Zip: 377XX
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I have purchased a service on XX/XX/XXXX ( XXXX ) at XXXX called XXXX XXXX, XXXX XXXX XXXX XXXX XXXX for XXXX ; Multiple Days Available, selecting one of the available dates : XX/XX/XXXX ( XXXX ) at XXXX. After my order was placed, it became pending status. After a few minutes, my order status became refund. Then the screen started showing that I have only a partial refund. I immediately contacted XXXX customer service. They said my order was rejected due to inventory shortage ( but their website was not updated accordingly ). They said they can not give me a full refund, even though it is their fault not to update the website and they are the one who cancelled my order immediately. Its a fraud.
Company Response:
State: VA
Zip: 22202
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Goldman sachs is erroneously reporting my account as settled for less than the amount due. This is false as shown in my statements attached. This has damaged my credit. Furthermore, after closing my account a week ago they have refused to give me a reason for closing the account.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX, XXXX, XXXX, And XXXX all participated in shady acts in regard to my consumer report. They all reported experiences and transactions which is not allowed. According to : the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. XXXX XXXX, XXXX, and XXXX all XXXX a late payment as well as my usage. Well if late payments are a form of transactions, and usage is a form of experience these items should not be on my consumer report at all!! XXXX is reporting late payments ( APPLE/GS BANK ) as well as credit usage utilization which is a form of experience. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates!!! i never gave any of these companies written consent/permission to use my PRIVATE DATA to report any payments or utilization to benefit them in their business dealings. Let alone any details alone this late payment from XXXX. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. So my right to privacy has been completely violated!! It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about this late payment is fair or accurate according to the LAW and my privacy rights have been horribly violated, i am disheartened and i have been affected very negatively by this unfair reporting. XXXX, APPLE/GS BANK, XXXX, AND XXXX ALL VIOLATED MY RIGHTS BY ALLOWING REPORTING OF THIS LATE PAYMENT TO MY CONSUMER REPORT!!! i need this late payment removed within the next 15 days or further actions will be taken.
Company Response:
State: NV
Zip: 89052
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-23
Issue: Problem with customer service
Subissue:
Consumer Complaint: I want my Apple Card to be approved
Company Response:
State: GA
Zip: 301XX
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-23
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Good morning, I have loan with Goldman Sachs Bank about XXXX towards credit card. I did make several payments, during COVID. Due to covid hardship Golden Sachs turned my case to Lawyer XXXX XXXX XXXX, XXXX. XXXX filed my case into District court. While court is handling case lawyer XXXX & XXXX kept bullying, lies and has been harassing me which affects my job and health. I have been XXXX XXXX XXXX and XXXX XXXX. Due to covid hard ship, being as a single mother this is placed additional stress on me. I tried to make financial arrangements with Gold Sachs, but they refused. I made payments towards my loan prior ; they did not even count those/ mentioned. Lawyer have been harassing me since XX/XX/2022. I am willing to provide all document which I received from Lawyer.
Company Response:
State: TX
Zip: 77478
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-23
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/XXXX, I attempted to use my Apple Card to pay for a {$36.00} charge. I received an " over spend limit '' message and the card was declined. I checked my credit usage ; I had a balance of {$5200.00} with a {$10000.00} credit limit. I had already paid {$5000.00} on XX/XX/XXXX, which cleared my bank on XX/XX/XXXX. When I tried to reach Goldman Sachs, which handles Apple Card, I was put on hold. I tried using the chat function. I was on the chat function for nearly two hours. The third person who " assisted '' me texted that I can not use my card until XX/XX/XXXX when " the payment will be released. '' She said that she " attempted to release the payment '' but was " unable to release the payment on my end. '' They have {$5000.00} of my money but won't apply it to my account until XX/XX/XXXX. Until then I can't use my card. My daughter in college, who is a participant in this card, can not use the card. All scheduled transactions on this card, including medical bill payments, will be denied until XX/XX/XXXX. I have always paid my credit card bills on time. I have a credit rating of 800+.
Company Response:
State: MD
Zip: 20910
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Apple Card illegally charged me for something I didnt buy. After complaints were filed with the CFPB the outcomes said XXXX, company response But the illegal charges and balance remain in my card/account. I demand Apple Card to show me what I buy with the card. Is it too much to ask?
Company Response:
State: MN
Zip: 55414
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 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 a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: NC
Zip: 28658
Submitted Via: Web
Date Sent: 2022-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A