Date Received: 2022-10-06
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XXXX I have contacted Marcus XXXX by Goldman Sachs to find out my savings account details for a wire transfer. I have done this by logging in to my account at marcus.com website and using the chat system on the website. The chat agent gave me the following details for the wire transfer to my account : Account number : XXXX. Bank name and address : Goldman Sachs Bank USA XXXX XXXX XXXX XXXX XXXX, Utah XXXX. My sister has transferred XXXX XXXX USD to the above mentioned details on the same day ( wire confirmation attached ) from her account with XXXX XXXX XXXX I have started to check my account every few hours after that but haven't seen the transfer. I contacted Marcus XXXX numerous times to find out why the money is not being credited. At first, Marcus XXXX told me that the funds haven't arrived yet. Then they told me that the transfer has been rejected. Then they told me that the transfer has never been received. I asked several times to provide any form of confirmation that the transfer hasn't arrived or was rejected/ sent back to XXXX XXXX XXXX Marcus XXXX refused without explaining the reason. Today is XX/XX/2022 and I still can't get any information from Marcus XXXX. Please help.
Company Response:
State: NJ
Zip: 07024
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This concerns an Apple Card issued by Goldman Sachs. I paid my account in full 31 days early with a debit from my bank account for {$2900.00} on XX/XX/XXXX. The money flowed out of my account that same day. As of XX/XX/XXXX, my available credit has not updated to reflect that payment. The card T & Cs have a nebulous " Credit Availability '' clause that is decidedly consumer unfriendly : " After receiving a payment, we can immediately increase your available credit, or delay increasing the available credit on your Account for a period of time. You can check the status of your available credit by going to your XXXX XXXX XXXX XXXX XXXX XXXX XXXX, online at XXXX XXXXr by contacting us. '' Over XXXX people have complained about the same issue at Apple 's own discussion forums page.
Company Response:
State: NY
Zip: 10011
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2022, after logging into my Goldman Sachs Apple Card credit card account, I immediately became aware that my credit card had been used without my authorization in a number of transactions that I did not recognize. The Company rejected my claim on XX/XX/2022 and has refused to provide the required documentation supporting its decision, even though I have formally requested this several times. This is a violation of my rights and the Fair Credit Billing Act.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I bought TWO XXXX from the XXXX XXXX XXXX, MN XXXX XXXX. I was charged for TWO XXXX and received the purchase receipt in the email right away. The transaction date, as shown in my XXXX XXXX XXXX credit card bill and attached here, is XX/XX/XXXX. A few days later, I bought another TWO XXXX from the XXXX, MN XXXX XXXX. I was charged for F OUR XXXX. That is, TWO XXXX for {$2000.00} and another TWO XXXX for {$2000.00} I have NEVER received a receipt for this purchase. Later on, I was charged another {$2000.00} without my knowledge. On the XX/XX/2022 Apple Card record, attached also, there is a charge of {$2100.00} without my knowledge. Several unsuccessful attempts have been made to contact both Apple Card and XXXX XXXX for explanation. I had no other choice but to report this matter to the CFPB. After reporting to the CFPB, the XXXX double charges of {$2000.00} and the illegal charges of {$2000.00} were returned to my checking account ( My bank has record of this too ) Even after the return/refund, my Apple card account still shows balances, and someone from Apple card service emailed me the wrong purchase receipt.
Company Response:
State: MN
Zip: 55414
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: This Company named XXXX : by Goldman Sachs contacted me by email saying that I owe them money. I told them I never heard of them before, to please show me the Alledged Contract that I signed with them, because I always sign in BLUE ink. I have sent numerous letters ( which I have POSTAL ARTICLE NUMBERS to verify that I sent them letters telling them to validate this Alledged Contract ) asking for this proof of contract with two wet ink signatures, and they can't provide this for me. I need your help getting this proof for me because they purposely have harmed me, cost me higher interest rates and have cost me in POSTAL MAIL RETURN RECEIPT CARDS for proof of mailings. A LAWSUIT WILL BE FILED IN 30 DAYS UNLESS RESOLVED. Listed below is all the ARTICLE NUMBERS for letters sent. Please have them produce the documents sent that is attached to these numbers. 1. ) RF XXXX XXXX 2. ) RF XXXX XXXX 3. ) XXXX 4. ) XXXX 5. ) XXXX 6. ) XXXX They will only give me the ending numbers to the card but they are two different numbers. One is ending in XXXX and the other is XXXX. They reported that I owe them a balance of {$2100.00}. I don't know how a company that I do not have a contract with can harm me and my family and get away with it. If this is not resolved ASAP I will contact the IRS ( audit ) and have them look into this bank also. We all want full disclosure and equal protection under the law. We refuse for the banks to steal our property! ( FRAUD IN THE FACTUM, BREACH OF CONTRACT, and THAT THE ALLEGED LENDER IS NOT THE HOLDER IN DUE COURSE OF THE BORROWERS PROMISSORY NOTE ) PLEASE CFPB HELP MY FAMILY and I GET JUSTICE. If you can't do it the COURT can.
Company Response:
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: About 3 years ago, I opened up 4 CDS with Marcus by Goldman Sachs. When it came to maturation of the first threee that expired, I was notified in advance as per their policy. I chose to NOT roll them over. However, when ir cames to the last one that had the longest duration ( 3years ). I was never notified 30 days prior as per policy. I forgot! Instead, I received email confirmation that it was rolled over on the XXXX of XXXX. The first representative I reached out to alluded that I was not notified and stated that I received monthly statements to that effect. I was told that someone would get back to me in 2 business days. No one did. I reached out again. This time the representative claimed I was notified as per notes on her screen. When I requested transcripts of the email be sent to me she deflected -- I promised to drop my complaint if there was evidence of notification via email. I was informed in all cases that I would have to be assessed an early penalty. This is not right. It was their fault. I believe it was all done deliberately. They had observed I was not renewing. ( I wanted to take advantage of subsequent Fed Rate Hikes. ) It represents a breach of contract and is shady.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX I applied for Apple credit card with a promotion that applied {$100.00} credit if applied for card before XX/XX/XXXX and make any purchase within 7 days. Apple delayed approving card until XXXX and now says I missed promotional date. Will not apply credit. Note I did make immediate purchase per terms within 7 days. I believe I met their deadline in good faith and it was their delay which moved me past deadline. I even offered a {$50.00} compromise. XXXX XXXX
Company Response:
State: NV
Zip: 89431
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Received negative XXXX credit report on a delinquent Apple Card Acct from Goldman Sachs in early XXXX Never applied for the card. Disputed the acct with XXXX as fraudulent. XXXX investigated my claims with Goldman Sachs and emailed me the results of the dispute around XX/XX/XXXX. They stated that the information that Goldman Sachs provided to them was accurate and if I wanted to further dispute it I need to contact them directly. On XXXX XXXX spoke to customer representative from Goldman Sachs, gave her my correct name, address, dob, and ss #. She stated she could not find an acct in my name with the info I gave her. Could not tell me why it still showed up on my credit report. Says she will look into it further but in the mean time I should file a fraud report with the police and with fraud alert. gov and send them a copy
Company Response:
State: CA
Zip: 91702
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I am an Apple Card customer. The Apple Card is held by Goldman-Sachs . This card is supposed to offer a daily cash feature that will give the customer anywhere from 1 % to 3 % Daily Cash on purchases. This Daily Cash is posted almost immediately after you make the purchase hence the term Daily Cash. I use my Apple Card as my daily use card. I buy everything from gas to groceries to clothes on this card and I spend thousands per month with the Apple Card. I have other cards but the ease of use and seamless connection to my phone makes this card great for daily use. Well, I started noticing that Apple was not applying my Daily Cash to my account back in XXXX of 2022. I reached out to Apple as soon as I noticed the issue and they assured me that the problem would be resolved and and my Daily Cash rewards would start to post to my Apple Cash card. Here it is 6 months later and no rewards have been posted. I recently talked to Apple and Goldman Sachs support and they can not find the issue. After being on hold several times, I was told to call a company called XXXX XXXX that is supposed to be the handler of the Apple XXXX portion of this card. I explained to the tech that it is not my job to fix your faulty system and I should not have to be put on a wild goose chase to figure out how to get a reward that your company advertises as one of your key features that make your card special. The support tech had nothing to say other than an apology. As of this writing, the problem remains unresolved and I will no longer use the Apple Card as a daily card because it offers no rewards to its customers.
Company Response:
State: VA
Zip: 23669
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have been back and forth with APPLE GOLDMAN SACHS for over 1 year now. I submitted my disputes 3 different times. XX/XX/2021 I sent out letters to APPLE GOLDMAN SACHS in regards to items being charged to my account that are not my doing. They refunded me for some items and charged me for other items. MIND YOU THESE ARE ALL THE SAME TRANSACTIONS. I'm familiar with deceptive practices but this is too much! I am a single father and I work 12-13 hour days. HOW CAN THEY REFUND ME FOR THE SAME EXACT ITEM AND CHARGE ME FOR THE NEXT EXACT ITEM??? They even closed my account and now are making me pay {$42000.00} worth of charges I DID NOT CONSENT TO NOR HAVE KNOWLEDGE OF! Its clear as day this is a deceptive practice. How can you refund some and charge the rest when its all the same transactions! Please help!
Company Response:
State: WI
Zip: 532XX
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A