Date Received: 2022-09-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Early in 2022, I noticed an issue on my XXXX credit report. This issue was a mixed file between me and my sibling. The mixed file resulted in XXXX of their accounts appearing on my credit report and mixed up personal information. I began by filing a credit report dispute to XXXX to rectify the issue and received a response on XX/XX/ 2022. This resulted in the personal information being corrected but none of the 3 accounts being removed from my report. After calling the banks associated with these accounts, 2 of the accounts were promptly removed from my credit report. For over 6 months, I have been repeatedly calling the final bank : the Apple Card by Goldman Sachs, regarding this issue. I have called them and explained the mixed file issue and the report dispute that I have already filed with XXXX. This was done at least XXXX times. I have also called the Apple Card by Goldman Sachs line with my sibling on the line to have us both explain the situation. This was also done multiple times. Each call ended with assurance that someone from XXXX will reach out within 4 weeks to rectify the issue and that a dispute would be made to correct it. No tracking information was provided, no response has been given in over 6 months and the account is still on my credit report.
Company Response:
State: CA
Zip: 92126
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: My name is XXXX XXXX and I am writing this complaint myself against Goldman Sachs. On XX/XX/XXXX Goldman Sachs was asked to Validate a Debt pursuant to FDCPA 15 US Code 1692 via USPS Certified mail # XXXX XXXX XXXX XXXX XXXX. In this They chose to remain silent and did not validate my request so I sent them a Notice of Default on XX/XX/XXXX via USPS Certified mail # XXXX XXXX XXXX XXXX XXXX. In both notices I asked them to stop all collection attempts via phone or electronic. Since that notice received by them I have received phone calls every day from their customer support center in regards to my bill. Per 15 USC 1692d ( 5 ), a debt collector may not cause the phone to repetitively wring and 1692c ( c ) a debt collector may not contact you after you have asked them not in writing, Goldman Sachs has broken the law and is liable to XXXX worth of damages per 15 USC 1692k for calling XXXX XXXX repetitively. Goldman Sachs has also broken other laws according to the Fair Debt Collections Practices Act. All of this is documented in the attachment.
Company Response:
State: CA
Zip: 95821
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Case # opened with Marcus by Goldman Sachs. Case # XXXX Case # XXXX Received promo flyers offering higher rate with no penalty over a 12month period. See attached copies of promo.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Need to file against 2 companies for incorrect information on credit report XXXX XXXX, To date they have not report the account paid in full which was done of XX/XX/2022. 2. I have a letter stating they closed the account and was going to reported it closed and turn over as a collection account. I spoke to them and ask that they change it by disputing it with them and they said it would take 30 days back on XX/XX/2022 still not correct or showing paid in full as of XX/XX/2022 Second company is XXXX XXXX XXXX card for XXXX XXXX XXXX XXXX XXXX : I have several message back and forth with them wanting to know why they closed by account and reported it to the credit reports. This account was also paid in full on XX/XX/2022. They are telling me that prior to payoff amount that they had a return check from XXXX XXXX XXXX so that's why they closed my account. I have asked for proof and they will not supply it and won't dispute the account and correct it as they were asked.
Company Response:
State: AZ
Zip: 85395
Submitted Via: Web
Date Sent: 2022-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-18
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My XXXX has an Apple credit card from Goldman Sachs and he has a banking app on his phone where he can view transactions and make payments. He mainly got this card so that he could make installments on Apple products. However, he can also buy things outside of Apple, but they are subject to high interest. He sometimes uses a desktop web browser to access his account online. We noticed that on the web account, the total balance is shown, but the individual day-to-day transactions ( that we can see through his phone app ) are not shown and only appear the next month, AFTER the monthly statement is generated. We think ALL transactions ( pending and charged ) should clearly appear in the online account and match that of the app for transparency and better financial management. The missing info in the web-browser version makes it difficult to differentiate between the Apple installment XXXX versus regular XXXX purchases as only the total balance is shown. The user interface for both the app and browser versions are not intuitive and almost seem to be designed to confuse the consumer on purpose.
Company Response:
State: CA
Zip: 91214
Submitted Via: Web
Date Sent: 2022-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-17
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I have a XXXX XXXX, and did a balance transfer from My Goldman sachs-Apple Card, for XXXX dollars, i checked with XXXX, and they said they sent a check which actually they did a wire transfer, Goldman sachs has never credited that to my account, which i did close because of this mess, XXXX gave the electronic tracking number and said goldman sachs XXXXapple XXXX it, I talked to Goldman and they said they didnt allow balance transfers on apple card and would return the money to XXXX, I talked to XXXX and they sent me about XXXX dollars to pay off account, they sent it to my credit union and then i paid off Goldman Sachs, XXXXapple XXXX XXXX is now charging me for both transfers, Goldman Sachs -Apple needs to credit XXXX for XXXX XXXX, XXXX said that Goldman refuses to talk to them because they are a third party, i have talked numerous times with Goldman and gotten nowhere, XXXX did respond to CFPB so case was closed, Goldman Sachs XXXXApple card did not so the original case against XXXX and Goldman Sachs should not of been closed XXXX the original case is XXXX, please get Goldman to refund the XXXX back to XXXX, as i am out that money and having to pay it to XXXX, i dont believe Goldman Sachs Apple card was ever notified, and they wont cooperate with XXXX
Company Response:
State: IA
Zip: 50265
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-17
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I made a purchase to upgrade seat on XXXX XXXX for {$290.00} on XX/XX/XXXX. This charge appeared twice. I called XXXX and they did not charge twice. I called Apple/Goldman Sachs XXXXhe same day to report the error. It was in dispute until XXXX when XXXX requested more info for DXXXX. I contacted XXXX on XX/XX/XXXX and got copies of receipts for a one time purchase of {$290.00} and sent to Apple/Goldman Sachs in which I was told the dispute was closed and I owed {$290.00}. At that time XXXX found errors and reopened the dispute and sent more info to Goldman Sachs. I was told it would take about 10 days. I called today and was told it was still being worked on. The second {$290.00} is due XX/XX/XXXX. I am unclear why this is taking so long and who is being paid a second {$290.00} when XXXX never charged me. My call was disconnected.
Company Response:
State: OR
Zip: 97202
Submitted Via: Web
Date Sent: 2022-09-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.
Company Response:
State: CA
Zip: 91913
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This was previously closed claiming " we have investigated and found that the payment was stopped by the users bank '', I have provided documentation SHOWING this was NOT stopped by my financial institution. Apple XXXX Goldman Sachs can also 3 way call myself and my financial institution at ANY TIME to further verify this in person. I am absolutely disgusted with the response from Apple Card where they state they " did a thorough investigation '' yet can not even look at the documentation provided. XX/XX/XXXX - AppleCard first rejects my auto payment from ACH/Bank card transfer of {$55.00} The following dates are dates of the further attempts and amounts : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX ( Again ) - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX After 12+ hours and 20+ representatives combined on the phone a manager recommends trying to add money to XXXXXXXX XXXX with my card then try paying with XXXXXXXX XXXX This worked and a payment of {$650.00} was successfully made on XX/XX/XXXX. On XX/XX/XXXX another ACH/Bank card transfer of XXXX was attempted in an attempt to see if the issue was resolved. It has not been resolved and rejected it again. Every payment since XXXX, XXXX has been made manually through transfer to apple cash and then transfer to the apple card. The following is the letter sent via certified mail to Goldman Sachs and Apples headquarters on XX/XX/XXXX, so all this information was accurate at the time of the letter but more calls were made after that point : ==================== START LETTER ========================== Steps taken in an attempt to make a payment to Apple GS Bank Card. - Over 9 hours on the phone with customer service, customer service supervisors. - Attempted payments ranging from {$55.00} to {$900.00} on 14 separate occasions - Requested call back and filed a complaint with a service rep on 3 separate instances. Call back was never received. - Removed and re-entered payment information - Removed and updated billing information - Over 3 combined hours on the phone with payment bank customer service - Requested trace number to trace transaction, none provided that bank could find - Inquired about possible auto-pay directly to GS Bank via XXXX XXXX XXXX was told this is not an option - Informed on 2 separate occasions a transaction dispute would be filed so it wouldnt go to my credit - Inquired about any other possible payment methods OUTSIDE OF creating another bank account, no options provided - Spoke with manager at Goldman Sachs corporate office , said a call back would occur, no callback ever occured - Requested collections statement be removed as this is a disputed transaction, informed this will not be removed - Discussed options with a licensed attorney - Filed a complaint with consumerfinance.gov - Opened a dispute with credit bureaus, they reached out to Apple/Goldman Sach who said it was reported accurately - Sent this letter to GS Bank Corporate, and XXXX XXXX locations ======================== END LETTER =================== I have a XXXX XXXX XXXX XXXX XXXX XXXX where my credit must be in good standing that this affects. I have been denied a credit card, and denied low rate refinancing, and have a high interest rate on my current auto loan due to to recent serious delinquency, to many serious delinquencies, to many serious delinquencys, whereas apple is my ONLY delinquency listed on my credit report. I have filed disputes with all credit bureaus, and Apple twice ( currently a 3rd one is open ), every dispute has been returned that Apple assures information was reported accurately and credit report will not be changed. I will be attaching the document showing my bank DID NOT decline any payments, theres no stop payment and that it was on Goldmans Sachs end. Credit reporting IS NOT accurate if their payment system is faulty and will not accept the several attempted payments. To this day if I try a direct payment through my bank/debit card it STILL declines my payments. I must add money to XXXX XXXX, then use the XXXX XXXX to pay my Apple Card for it to work ( I wasnt told about this work around until after 2 months of the system refusing my payment ) I have included XXXX and XXXX on my report because when I try to dispute with them all they do is reach out to XXXX and ask if they reported correctly. They do not even allow me to submit ANY documents or anything. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: VA
Zip: 22191
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Hello, I initiated a payment to this card company, using their app and my bank information. A day or so later I called in to cancel this payment because I had used the wrong bank information. I was notified that my bank union would be mailing a check directly to them on my behalf which is why I canceled that payment. My balance at the time before I had initiated any payments was XXXX. Goldman Sachs says ( on multiple calls ) that have indeed received the check, and it has posted. The problem is my balance is now XXXX. Goldman Sachs is saying that when they reversed my payment that I had initiated, it doubled my balance. Clearly this is a mistake, my balance should only be {$22.00}. Please help, Ive done multiple disputes and all come back with the same answer, that my balance is doubled and that that is right.
Company Response:
State: OK
Zip: 73159
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A