Date Received: 2022-10-21
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/XXXX I received two emails from Marcus Bank by Goldman Sachs telling me that I had successfully changed my email and phone number. I DID NEITHER! I immediately began calling Marcus bank over the weekend of XXXX. I called Marcus bank numerous times to report this. It wasnt until Sunday morning XX/XX/XXXX that I was able to get someone at Marcus bank to understand that I did not make this change. It took Marcus bank a full week XX/XX/XXXX before someone from Marcus bank contacted me to tell me indeed it appeared I was suffering from Identity Theft and they were freezing my account. Since XX/XX/XXXX I have not heard a word from Marcus. On XX/XX/XXXX I wrote to Marcus Bank demanding a return of my savings. It is now XX/XX/XXXX and I still have not heard from Marcus Bank.
Company Response:
State: CA
Zip: 94102
Submitted Via: Web
Date Sent: 2022-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Apple is in violation of Fair credit reporting Act 15 USC 1681b for unlawfully obtaining my consumer report twice on date of XX/XX/2022 without my consent
Company Response:
State: GA
Zip: 30339
Submitted Via: Web
Date Sent: 2022-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This is related to my complaint on XX/XX/XXXX with Goldman Sachs XXXX. The bank responded that they closed my account while I still have {$5000.00} left in my checking account. They have NOT returned my money.
Company Response:
State: CT
Zip: 069XX
Submitted Via: Web
Date Sent: 2022-10-21
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, Apple Card/GS Bank USA has violated my rights under 15 USC 1681. Section 602 states I have the right to privacy. Under 15 USC 1681 section 604a 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: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2022-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
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 have an old credit card account listed on XXXX as " APPLE CARD/GS BANK USA '' listed as " Open '' which is incorrect. The account was closed three to four months ago and I let XXXX know that it is being incorrectly reported as open when in fact it has been closed for a long time. This account was never reported as late or anything like that. XXXX verified within 24 hours that the account is indeed open, despite me sending a copy of a letter from the creditor, dated three months back, that the account is closed. I am not sure why they think the creditor letter 's lack credibility. I am not sure if they bothered to even read the letter I provided them from the creditor. It clearly states the account was closed. It was at my direct request. I submitted a second dispute with much of this information contained herein and called XXXX dispute department to ask a few questions to see if I can get this resolved correctly this time. The XXXX representative claims XXXX contacted the original creditor who verified the account was open. I do not believe this is truthful. He then stated I filed the wrong kind dispute the first time. The dispute was under category " account closed '' He said the second dispute was the right category. It's the same category both times. I question whether he even looked at the first dispute. He became argumentative very quickly after I pointed out it's essentially the exact same dispute a second time. It took several requests to have him let me speak with a supervisor. After holding for a while, the representative stated he can not wait more than five minutes and so I need to wait for a call back to speak with a supervisor. Given they can not be bothered with reading a letter in PDF format from the original credit, I doubt it even matters IF a supervisor even calls back. XXXX is blatantly violating the FCRA by not investigating a dispute that has obvious merit.
Company Response:
State: NE
Zip: 68116
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have an Apple card through Goldman Sachs. I used this card to purchase a new XXXX on XX/XX/2022 for {$1100.00}. I paid the balance of the card on XX/XX/2022. I then received a refund via XXXX for the trade-in of my old phone of {$720.00} on XX/XX/2022. I generally do not use this card, but had a few expenses that left my balance in the positive at {$540.00}. In the past, this has been automatically credited back to my bank account. Goldman Sachs refused to credit back this payment, saying that since I have installment plans for two other phones on my account, their new policy is to not issue refunds. I asked multiple representatives, received a callback from their executive support, and all parties indicated that if I had waited to pay the balance from the XXXX charge ( I believe this would have been a late payment ) then it would have properly credited the existing negative balance and I would have the money in my pocket. This is unfair practice, even if they can arbitrarily change their rules. What's the point in having XXXX XXXX interest installment plans ( my installment balance is ~ {$700.00} ) if you're going to hold hostage refund in a positive balance?
Company Response:
State: WI
Zip: 53593
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: To Whom it may Concern : 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 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instrucions. 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 any purpose. Apple late postings XXXX XXXX, XXXX, XXXX and XXXX XXXX late postings XXXX XXXX XXXX late postings XXXX XX/XX/XXXX XXXX
Company Response:
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: Late in the evening of XX/XX/2022 ( probably technically in the early hours of the following day ), I submitted an application to Goldman Sachs Bank USA for XXXX XXXX card. During the process, the online system asked me to upload a copy of the front and back of my driver 's license ( no larger than XXXX each ). I did so. The system showed both sides uploaded and then confirmed a successful submission of the application. Between XXXX XXXX on XX/XX/2022, I received a call with caller ID number XXXX. I missed that call because I was in a meeting. The caller did not leave a voice message. Later the same evening, I looked up the number online and discovered it belonged to Goldman Sachs Bank USA. On XX/XX/2022, at XXXX XXXX, I received an email from XXXX by Goldman Sachs telling me that a copy of my ID was needed for verification. Mind you, ID was requested and supplied during the initial application process. This email said the ID needed to be uploaded using the link in the email by XX/XX/2022. On XX/XX/2022, at XXXX XXXX precisely XXXX minutes later, and WAY before XX/XX/2022, I received an email from XXXX by Goldman Sachs saying the application was not approved because the bank was unable to verify my identification information. This is clearly nonsense. I called Goldman Sachs Bank USA at the number provided in the email, XXXX, to hopefully solve the problem. Clearly something was not right. I was told that the application had been closed and nothing could be done other than to submit another application. The problem is this. I had a similar experience with Goldman Sachs Bank USA applying for the same card about a month prior. The bank apparently can not adhere to deadlines it itself has set. Consumers should beware. This multibillion dollar firm apparently does not have the appropriate infrastructure in place to support basic business processes. Regulators should be asking whether a bank clearly demonstrating such basic incompetence should even be doing business in the market.
Company Response:
State: GA
Zip: 30093
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/22 I paid for my brothers birthday dinner in the amount of {$480.00} using my Apple Card via XXXX XXXX. Per my Apple Card wallet app, the aforementioned purchase entitled me to 2 % in XXXX XXXX back totaling {$9.00}. Typically Daily Cash back is dispensed the following business day to your XXXX XXXX account. It should be noted that Apple Card is operated by Goldman Sachs whereas XXXX XXXX is facilitated XXXX. Additionally, there is no shared oversight between the entities and they have no access to each others in-house systems. When a few days past without the {$9.00} hitting my XXXX XXXX I submitted a dispute to Apple Card. During their review they claimed their was no error. So I called XXXX XXXX and an XXXX associate screen mirrored my phone and confirmed I did not receive the promised {$9.00}. The XXXX XXXX associate then called a Goldman Sachs Apple Card representative who then resubmitted my Daily Cash review, and a few days later I got another email saying their investigation yielded no error. I then reached out to Apple Card again and escalated my issue, and now have spent countless hours via text and phone trying to obtain my 2 % cash back for this particular transaction. Typically Daily Cash back rewards are nominal in value because based on the transaction rewards vary from XXXX %. I only happened to catch this error bc I was expecting a larger sum based on the purchase. My concern is, Im currently aware of 2 transactions in which Goldman Sachs has yet to payout their promised cardholder rewards but how many other customers have fell victim to their deliberate false accounting.
Company Response:
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I have an installment payment issue for my XXXX XXXX pro XXXX purchase on the XXXX XXXX with an apple card ( Goldman Sachs ). The first order was made on XX/XX/XXXX, with an apple card installment plan, and it has been returned to the XXXX XXXX due to the wrong shipping address. And I repurchased the same phone XXXX pro XXXX the next day ( XX/XX/XXXX ) with an apple card installment plan again, and the full amount of the installment for the first order was refunded on the same day. But the problem is I still see two installment plans on the same XXXX device and it has been charging double a month since XX/XX/XXXX. I guess the installment plan for returned XXXX is still active.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A