Date Received: 2022-09-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have an online account with XXXX, a division of Goldman Sachs. A few days ago I set up a transfer of all funds to another bank 's savings account with higher interest. This morning I got a call from XXXX and was told to call back. I did and was told to hold for XXXX minutes so the rep could look into what the call was about. I was on hold for 20 minutes and finally gave up and hung up. Tonight I tried to log into my online account to see if my fund transfer was still in progress and I had been locked out of my account! I called XXXX again DURING THE HOURS I WAS TOLD TO CALL IN and this agent agent did not know why my account was locked nor why I could not access my funds. She could not get hold of a XXXX to explain or fix it even though I call during the hours I was instructed to call in. She told me to call back AGAIN tomorrow. I suspect that they are holding my money to force me to keep the account open at least until they can " sell '' me on keeping the funds with them. This is outrageous. If I needed those funds ( MY money ) urgently, this could be very damaging to my wellbeing.
Company Response:
State: NJ
Zip: 07666
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On my XXXX credit report it is saying that the balance on my Marcus by Goldman Sachs credit card is XXXX $ and this is false. The balance is XXXX dollars. When the account closed on XX/XX/2022 the balance was XXXX dollars and the balance is still XXXX dollars. Kindly update account balance on my Marcus by Goldman Sachs credit card to XXXX dollars owed
Company Response:
State: FL
Zip: 32811
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-11
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I contacted XXXX a week ago, asking why was I declined for a XXXX and the reason states that I dont pay enough of my balance. Yet I have paid in full. XXXX support completely has ignored me for a week, this type of support is ok for a tech company. But is not ok for a credit company. This is both scary, and insane. XXXX is building a monopoly on financial services, conquering the digital world. Yet they refuse to hold themselves to any type of standard.
Company Response:
State: MI
Zip: 48239
Submitted Via: Web
Date Sent: 2022-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I noticed that I had dept on my credit that was not on my behalf, my identity had been stolen before and I need this dept to be removed off my credit immediately because this is holding me back
Company Response:
State: OH
Zip: 43235
Submitted Via: Web
Date Sent: 2022-09-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-10
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have checked apple credit card application, but it was written that it will not impact my credit score. Then, I was surprised that it was reported as hard inquiry on my credit report.
Company Response:
State: NC
Zip: 27410
Submitted Via: Web
Date Sent: 2022-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have an Apple Card with Goldman Sachs, which I connect my XXXX XXXX checking account to the ACH service. It used to be connected to my old XXXX checking account, but I delinked and updated my bank information when I closed the account with XXXX over a year ago. Since then, I had no trouble having XXXX deduct my balance on due date from XXXX XXXX checking account until the most recent payment date, XX/XX/XXXX. On that day, XXXX somehow tried to withdrew my balance due {$64.00} from no longer viable XXXX Account. Since the transaction did not go through, XXXX charged me {$7.00} for the interest, and also the statement shows that they will charge me for additional interest on XX/XX/30 because my payment was overdue for the XXXX balance. I immediately contacted the customer service and explained the situation. I talked to two supervisors, and they refunded me the {$7.00} interest rate, but did not acknowledge the future interest. They told me that they would look into this and resolve within 10 days. Yesterday, I received an email telling me that the issue was fixed, but I still see the future interest rate charge on my card record. I contacted the XXXX customer service again, repeated the same explanation, but they insisted that they would only see on checking account info, XXXX XXXX. I tried to send a snapshot of the ACH transaction showing the last four digit of my old XXXX account, but they were not able to receive image files because of their system setting. Since I exhausted my options to resolve this issue with XXXX bank directly, I need your help to have them look into the error ( deducing the balance from my old XXXX account removed long time ago ) and remove any future interest charge since I paid everything on time even after they made this error. Thank you in advance for your support. I will attach a snapshot of 1 : my bank account info on Apple Card 2 : XXXX transaction showing that XXXX tried to withdraw {$64.00} from XXXX 3 : Future interest amount to be charged on XX/XX/30 4 : Past 6 months payment records showing that I have consistently paid via XXXX XXXX account until XXXX bank made an error on XXXX
Company Response:
State: WA
Zip: 983XX
Submitted Via: Web
Date Sent: 2022-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-10
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My Apple Credit Card with Goldman Sachs account has been restricted since around XXXX of XXXX. Every-time I try to contact Customer Service I get told to wait until the review has been completed. Ive submitted my ID and all sorts of documents to prove my identity. This is absurd. My credit card has been unusable for a year now and Ill probably be dead by the time they unlock my card.
Company Response:
State: CA
Zip: 91501
Submitted Via: Web
Date Sent: 2022-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have a credit card with this company and the due date for this card is the XXXX of each month. The closing statement date is the XXXX of each month. Meaning that what ever balance is on the account on the account closing statement date that is what is reported to the credit bureaus. I paid my bill in full and there was a XXXX dollar balance on my account on XX/XX/2022 and there was still a XXXX dollar balance on XX/XX/2022 which is the account closing statement date. A XXXX dollar balance is what should be reported to the credit bureaus but they are reporting charges to the account made after the closing statement date on XX/XX/2022. I have attached a copy of my credit card statement to prove my point.
Company Response:
State: FL
Zip: 32811
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: For the months of XXXX to XX/XX/2022, my payments in full for all current charges were made via XXXX XXXX online bill pay. The money left my account and XXXX XXXX says was successfully received by Marcus by Goldman Sachs. However, the payments were never applied to my account. Several wasted hours on the phone with uncooperative, uncaring, uninpowered, robot call center employees got me NOWHERE! They have been charging interest, late fees, and may be negatively reporting on me because of issues which are 100 % their mistakes. That they are unwilling and unable to resolve. Additionally, I was repeatedly told all calls were being recorded. I asked for copies of the call. No recordings have been received. Furthermore, their paper statements AND Web site are the worst quality, with the least amount of features of any credit credit card company I have ever done business with. Do NOT open any accounts with Marcus by Goldman Sachs.
Company Response:
State: CA
Zip: 90278
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
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 received a bill for an Apple card via email. I called apple and reported that I did not open an account. They told me the could start a fraud case but it would not be settled until I filed a claim with you and the police and reported it to 3 credit agencies. This all happened over the last week. XXXX XXXX XXXX
Company Response:
State: AZ
Zip: 85205
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A