Date Received: 2022-10-14
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: XXXX in error overpaid my Apple Credit card by Goldman Sachs XXXX purchases declined from this day forward Inquiry revealed that the funds were held in escrow until XX/XX/2022 because I made an unsolicited payment ahead of XXXX that was returned from the bank as insufficient funds. What the unsolicited payment has to do with the later overpayment I dont know. This has resulted in every automatic payment being declined and no subsequent deposit will be credited to offset the money in escrow. Bottom line, the bank is holding MY MONEY. The total due and limit is one thing as that is their money. But the amount difference is MY MONEY. I tried to handle by phone, by supervisory channel and nothing worked. Whats the fine print on this?
Company Response:
State: DC
Zip: 20016
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I signed up for the apple credit card on XX/XX/XXXX ( XX/XX/2022 ). I signed up on the website link XXXX XXXX XXXX This website provided a promotion where if you apply for the card by XX/XX/XXXX and make any purchase within the first 7 days of opening the card you are eligible for {$100.00} promotional cash back. I signed up using that link on XX/XX/XXXX, made a purchase the same day. So I followed the terms of the deal. I did not receive the {$100.00}. I contacted apple card support on XX/XX/2022 to attempt to fix the issue. They said they would look into it. They just emailed me back saying I did not qualify for the promotion. However, I did follow the terms of the promotion, so they are wrong. Images show proof that I applied on XX/XX/XXXX, proof that I made a purchase within 7 days of account opening. Also my denial letter from Apple Card support.
Company Response:
State: CA
Zip: 92069
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I had a XXXX XXXX XXXX XXXX XXXX and Goldman Sachs bought the debt and rights for the XXXX XXXX XXXX. I was never notified that such a change was going to happen until I received a call on XX/XX/2022, from Goldman Sachs. Stating that my payment was 30 days past due. When I told them I didnt have a card with Goldman Sachs XXXX they told me that I did and told me it was my XXXX XXXX Credit Card XXXX As soon as he verified my name and phone number, he then realized I was never sent a Goldman Sachs card. I then immediately went on and created an account on their app and set up automatic payments and paid the past due amount that day. Due to the failure to notify me of the change of my account from XXXX XXXXXXXX to Goldman Sachs my perfect record of the XXXX XXXX Credit Card account was lost.
Company Response:
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: APPLE CARD - GS BANK USA Opened XX/XX/2021 ( XXXX yrs, XXXX mos ) On this date someone opened a credit card with this company using my information.
Company Response:
State: GA
Zip: 30014
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: My issue began with Goldman Sachs Bank USA in XXXX of 2022. I disputed a charge in the amount of XXXX for XXXX XXXXXXXX XXXX XXXX I put my dispute in writing. I paid all of my bill that month, minus the disputed amount of {$8.00}. In XXXX of 2022, I was charged again for XXXX XXXX {$9.00} this time. I paid my bill in full, minus the disputed charge of $ XXXX In XXXX of 2022, I was charged {$9.00} for XXXX XXXX AND XXXX XXXX credit for {$9.00} ( a disputed charge ), {$9.00} ( a disputed charge ) and a credit for {$8.00} ( a disputed charge ). So, XXXX agreed with me that these charges were not authorized. I thought the issue was resolved. No. In XXXX. I was again charged XXXX for XXXX I paid my bill in full except for the $ XXXX disputed the charge. In XXXX, I was charged {$9.00} and credited {$9.00} for this same disputed charge. My issue is that all along this credit card company has been charging me interest on the disputed charges. Total interest charges are now at {$33.00}. This is outrageous. I have always disputed the charges ( evident by receiving the credit ) and have written to this company asking for credit on my erroneous interest charges. They refuse to issue credit for the interest charges. I want this company to credit me {$33.00} in interest charges.
Company Response:
State: FL
Zip: 33993
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have had my GM Card since 2013 and never paid late. I have perfect credit and pay my balance in full each month. Marcus, by goldman sachs bought the GM Card accounts from XXXX XXXX services in XXXX of this year. After the transition I received notice in XXXX they had increased my credit limit. Then on XX/XX/XXXX I received an email that my account had been closed for no apparent reason. I called that morning and asked why and was told an email with new terms of service was sent to me XX/XX/XXXX and I did not respond. I have no record of this email and the customer service rep stated that was the only email and notice sent. I have all my emails from Marcus and have no record of an email asking to agree to terms of service.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: Hi I received an alert saying that I just opened an account with,,, Goldman Sachs Bank U.S.A.,,, for XXXX XXXX,, I reached out to Goldman Sachs Bank, and they were not able to find me with an account there. So Im hoping you may be able to help me.. Thank you!
Company Response:
State: IL
Zip: 60565
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Other transaction problem
Subissue:
Consumer Complaint: I arranged for a transfer of funds from Marcus ( Goldman Sachs ) to a XXXX account. I linked my account at XXXX by providing them with my login details and initiated the transfer. Marcus put a hold on the funds and did not call my cell phone ( despite indicating that they did ) due to 'potential fraud activity '. When I called Marcus to indicate that it was an actual transfer from me, they had returned the funds to themselves. Upon verification of my identity they did not seek to reinstate the transfer, which has resulted in lost interest revenue on my account.
Company Response:
State: NY
Zip: 10128
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I realized that someone had a Applecard issued by Goldman Sacks Bank and had attached my personal checking account number to that card issued to someone other than me. I phoned my bank ( holder of the checking account ), XXXX XXXX to inquire about the funds that were being taken out of my account. I told them I did not have an Applecard, we called Goldman Sacks the issuer of the card and reported fraud. My bank and I were both on the call and made a fraud claim with their fraud department. I spoke to XXXX in fraud who took all the information prevalent to the claim. She said someone from the Goldman Sachs bank would be contacting me within 7-10 business days. No one to this date has contacted me. When i followed up with Goldman Sachs bank, they had no record of my call. In the initial call, I specifically asked XXXX, the XXXX XXXX for the fraud department intake if there was a claim number or reference ID. XXXX told me at this time no, but someone would follow up with me. I have had no contact from Goldman Sacks Bank. I called again on XX/XX/XXXX and the representative said they could not find anything logged re my call. They responded ; " someone will follow up with you in 5-7 business days ''. I am out {$12000.00} in cash which was taken out of my bank account for charges that I did not make. An apple card was issued to a person, not me, and attached to my bank account. I do not know the apple card number but the person the card was issued to name is XXXX XXXX and the checking account it was attached to was XXXX XXXX XXXX.
Company Response:
State: AK
Zip: 997XX
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/2022 : Requested a domesitc {$620.00} wire transfer from XXXX by Goldman Sachs to linked account. Domestic wire did not occur. Got voice mail and email from XXXX XXXX from XXXX XXXX Goldman Sachs XXXX " Hello, this is XXXX calling from XXXX XXXX Goldman Sachs XXXX XXXX XXXX to reach XXXX XXXX XXXX We can please call us back at XXXX. We are open XXXX any representative that answers the phone will be able to assist you just advisor of returning an out call. '' However, called on Friday, XX/XX/XXXX, representative could not find office/department for me to resolve the issue, issue was unknown. Called back on Mon, XX/XX/XXXX, XXXX, XXXX would not provide his name, after XXXX requests. XXXX, XXXX would also not transfer to supervisor, kept trying to find office/department who called me and emailed me. Finally, I don't believe XXXX XXXX is a supervisor, but updated phone number and XXXX called me to verify my gender and country of residence. Wasted over XXXX hours of time dealing with this situation because of XXXX by Goldman Sachs incopementence and lack of accountability. Waste of time to ask me to call back when no one at XXXX by Goldman Sachs ( XXXX ) can help XXXX. Waste of time to leave me a message, but not provide a reference number or what call is about or conerning. Waste of time to call and for XXXX rep to know what office or department called me. Waste of time to talk to XXXX who would not provide his name after being asked directly XXXX times. Waste of time to request to speak to a supervisor and for XXXX to still try to find the department which he was never able to do. XXXX minutes on phone for incompetence. I really don't believe XXXX is supervisor at XXXX, and believe she was possibly covering for XXXX because she provided no other evidence of being a supervsior. Lack of transparency and accountability. She only agreed to review call after I asked, not before. For XXXX, he also said he was a supervisor, but I don't believe him either. I also believe that XXXX provided a false statement when I said the only options to provide feedback to XXXX was through a supervisor, and a mailed letter, and he didn't even take a moment to listen to my question about any regulatory body for XXXX as a banking institution. Thus, this complaint. XXXX asked what I wanted to accomplish. To not have XXXX waste XXXX hours of my time, however, this was not done. To have my domestic wire completed in a timely manner, it was not done. To have XXXX provide his name when asked, this was not done. To have XXXX have transferred me to a supervisor when asked, this was not done. XXXX by Goldman sachs fails at it's mission : https : //www.marcus.com/us/en/about-us Our mission is to help you make the most of your financial potential at every moment. To whoever reads this, would this behavior be acceptable to you or anyone you know?
Company Response:
State: MD
Zip: 21113
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A