Date Received: 2022-09-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: For the last 3 months, basically as long as XXXX has been the processor, my payments have been posted up to 2 weeks after the date sent, resulting in late fees and interest charges. In this last case the payment was admitted to have been received XX/XX/XXXX and yet not posted until XX/XX/XXXX. Each time I needed to contact the processor and explain to have the charges deleted. They admit the payments have been received before the processed date but still assess the fees and interest. I can't believe my bill processor 's transmittals can take that long to be received! I've had this card for 35 years, under other processors, with next to no problems.
Company Response:
State: MN
Zip: 55987
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: XXXX XX/XX/XXXX, Goldman Sachs ( GS ) Bank routinely email-notified this longtime customer his ( XX/XX/XXXX ) monthly statement was available in his online savings account, but then maliciously blocked electronic access to that XXXX / veteran 's / GS stockholder 's account until the customer first provided answers to some additional invasive corporate private banking questions under the misguided warning such answers were MANDATORY! In XXXX then-President Bush signed the US Patriot Act reportedly giving financial institutions authority to ask customers ( especially foeign nationals, which I am not ) full name, social security number, birth date, and contact information ( e.g., address, email addresses and or phone numbers ). I have no problem with this and readily provided this information to Goldman XXXX. The Patriot Act also reportedly encouraged financial institutions to get to " know their customers '' by asking additional VOLUNTARY questions, like : current employment status ; occupation ; sources of income ; marital status ; whatever. Such information could help the government track illegal activities such as " money laundering '' and financial institutions could more intimately tailor loans and other products to more effectively market them to banking customers. Goldman Sachs cutoff with malice my online account access unless l ( and apparently all their other online banking customers ) first answered these strictly-VOLUNTARY questions. Almost a full week into the new month I am still totally locked out from online access to my web-based Goldman Sachs Bank savings account.
Company Response:
State: WA
Zip: 98499
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: I bought XXXX iPhones at the XXXX, MN XXXX XXXX and was charged for XXXX iPhones. After complaining to the CFPB, the XXXX XXXX XXXX the money to my checking account ; but the balance in the Apple Card remains with interests. There was another illegal charge in which I dont know. After complaining to the CFPB it was refunded to my checking account ; but the balance remains with interest. Both illegal charges added up to over XXXX XXXX dollars. I will attached the screenshots for your information.
Company Response:
State: MN
Zip: 55414
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-04
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I ordered a computer from Apple. I was told if I got the Apple Card I would get a 3 % discount on the macbook air. I was told I would receive a physical card in the mail if I requested it at the time of purchase. I requested the physical card at the time of purchase. Apple refuses to send me a physical card. Apple Card refuses to send me a physical card. They say I must use some app on my phone ( which I don't have and don't use ). I can not make payments through my bank without a physical card. The agent refused to identify herself except saying her name is " XXXX. '' Refused to provide any resolution. This is a scam.
Company Response:
State: OR
Zip: 97202
Submitted Via: Web
Date Sent: 2022-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Marcus refuses to let me use my credit card since I informed them about new cell phone number. They even verified my identity by sending me a code via text and e-mail. I have been calling them every day for the past week and they simply say that someone from a higher up office will be calling me back the next business day and they are unable to verify my identity. I have had this credit card that was purchased from XXXX XXXX bank for over 13 years. They also state that they are unable to help me with the tools they are provided. I asked to be transferred to the department that can help and am told they don't take phone calls but will be calling me back. This never happens even though they promise someone will call back. Very poor customer service and Marcus doesn't give their phone representatives any way to help their customers.
Company Response:
State: ID
Zip: 836XX
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have my Goldmans Sacks Bank USA, website by marcus.com, online saving acct. opened for many years, no issues before. They don't have local branch office here near me. But, back in earlier this XXXX, I found other banks have higher saving rate. So I wanted to transfer my money to the other online banks. I was able to login my GS bank online account ok with my correct login credentials. However, after I login, when I tried to do online money transfer to the other bank, keep getting the error message 'There is a technical error. Can't complete your transaction. Login back later. ' For 2 weeks, I kept logging in back for several times to access my online acct. correctly. But, keep getting the same error message to transfer out my money. I finally called their customer support and told them this online transfer issue. At the beginning they verified my acct. infor. But once they heard I wanted to transfer my money out. They made excuse to ask me additional my family infor. I told them they already verified my acct infor. Any additional family infor. is my privacy. They have no right to ask these. And suggest them if they want to ask additional questions, they can ask standard security questions like all other online banks use. I have no issue with all other online banks. But, they refused to do so. My transaction was still on hold even after calling them. I then sent them a letter by post office in later XXXX or earlier XXXX with my signature and correct address to request to close my this online acct. and send me a bank check of the remaining balance. I haven't heard back since then.
Company Response:
State: WA
Zip: 98275
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for the Apple Credit Card on XX/XX/2022 and was instantly denied. I asked " Why '' and a customer service rep by the name of XXXX ( XX/XX/2022 ) would only say credit ( incredibly rude ). I attempted to explain my $ XXXX per year income, my $ XXXX savings and for Apple to articulate the risk. They would only say " Please dispute with XXXX ''. Since the Apple card had a reputation for being discriminatory towards minorities and women, I tried to escalate the case to a Senior Manager, however I was met with the most unprofessional attitude I have ever encountered on the phone, no clarification as to way or a way to dispute with Apple/Goldman Sachs themselves on their incredibly XXXX and narrow decision. This is the second time I have received a denial but I was approved for a XXXX XXXX and XXXX XXXX two weeks ago.
Company Response:
State: AZ
Zip: 85138
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/XXXX - AppleCard first rejects my auto payment from XXXX XXXX XXXX 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 XXXX representatives combined on the phone a manager recommends trying to add money to apple cash with my card then try paying with apple cash. This worked and a payment of {$650.00} was successfully made on XX/XX/XXXX. On XX/XX/XXXX another XXXX 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 XXXXXXXX XXXX XXXX XXXX bank auto-pay, 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 Apple Corporate locations ======================== END LETTER XXXX XXXX have a Top Secret//SCI w/ XXXX security clearance 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 Apple Cash, then use the Apple Cash 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 apple and ask if they reported correctly. They do not even allow me to submit ANY documents or anything.
Company Response:
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I disputed the alleged debt with apple card and directed them to return all payments made on the alleged debt.
Company Response:
State: NC
Zip: 28311
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Per the attached balance transfer letter from XXXX XXXX dated XX/XX/2022, Apple Card-Goldman Sachs Bank received payment of {$250.00} against card ending in XXXX. Of course, 9 days later, the Bank has been intentionally negligent in posting this payment. Obviously, this is intentional so that the Bank can earn additional interest. The CFPB should investigate the payment processing practices of this Bank, led by a " so called '' individual who thinks he is an aspiring XXXX.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A