Date Received: 2022-09-01
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: they sent me an email saying they closed my account bc failure to comply with customer agreement when i called and said that's false give me specifics the agent XXXX couldn't tell me but said it was bc i filed a cfpd complaint a while back this is retaliation and they wont let me cash in my rewards for a statement credit
Company Response:
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I contacted Apple Card Support after getting a new XXXX and adding all of my credit cards to my wallet. I received a notification that my account had been closed when I added my Apple card. This seemed odd to me because to my knowledge it is illegal for anyone to collect an extension of credit. I received an extension of credit when I opened this Apple card by Goldman Sachs using my SSN. However, the error was probably caused by a mistake or a system error, so I contacted their customer support team. This big of a corporation wouldn't do anything illegal, would it? While addressing this situation with him, the customer service representative was very friendly and helpful. I was placed on hold for a few minutes waiting to be transferred to a supervisor. He came back and said to refer back to the email why my account was closed and that she couldn't provide any additional information. That wasn't a big deal to me, and I knew he and the supervisor didn't realize that collecting an extension of credit is illegal. Additionally, I asked her to keep it in the notes in case someone from the legal department or supervisor gets in touch with me. 18 USC 894 ( a ) ( 1 ) ( 2 ) Whoever knowingly Participates in any way, or conspires to do so, in the Use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.
Company Response:
State: MI
Zip: 48085
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
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: RE : APPLE CARD XXXX You are hereby ordered to CEASE AND DESIST all actions! You are hereby in RECEIPT OF NOTICE under the Fair Debt Collections Practices Act, RCW 62A.3, RCW 19.16 and 19.86 regarding your above referenced file number and presented with a CONDITIONAL ACCEPTANCE OFFER. In an effort to settle this matter in the most efficient possible manner, I hereby CONDITIONALLY ACCEPT your demand for payment in the above-named matter upon your complete and total fulfillment of the following conditions : Condition:1. A Notarized copy of the ORIGINAL WET INK SIGNED CONTRACT and all other supporting documentation that give rise to and lawfully support the alleged obligations your Company now claims is owed. Condition 2 : Provide the statutes and enforcing regulations, both Federal and State, which clearly and unequivocally make me liable for this alleged debt. Condition 3 : Provide the statutes and enforcing regulations, both Federal and State, which clearly and unequivocally allow for the collection of this alleged debt. Condition 4 : Provide verifiable proof that any actual money was ever created or loaned to me by Your company, and not mere bookkeeping entries that were made in an attempt to establish the alleged obligation or debt, and in which case, this entire matter would constitute fraud on your part. You have twenty-one ( 21 ) days from receipt of this Conditional Acceptance to respond on a point-by- point basis, via sworn Affidavit, under your full commercial liability, signing under penalty of perjury, that the facts contained therein are true, correct and complete, and not misleading in any manner whatsoever. Declarations are an insufficient response, as declarations permit lying by omissions, which no honorable draft may contain. Your failure to accept my Conditional Offer of Settlement by producing each and every requested answer, record and/or documentation, will constitute your stipulation that I have no duty or obligation to any portion of the above aforementioned debt whatsoever, and that you have no right or basis to pursue any further collection. Be advised that notice to any agent in your firm or under your employ regarding this Conditional Offer of Acceptance is considered notice to any and all principals. Further, your failure to fully and completely respond on a point-by-point basis, as well as ANY ACTIVITY by your company to secure payment with a Writ of Garnishment, before responding to this Conditional Acceptance, shall be deemed as an Agreement with the facts as stated in the attached Affidavit, and shall be further deemed an Automatic Dishonor of this Conditional Acceptance and your Agreement by you and/or your firm to the immediate payment of {$75000.00} USD, payable to XXXX XXXX as compensating damages. Signed from without the United States in accordance with 28 U.S.C., Sec. 1746 ( 1 ). All rights are reserved without prejudice, UCC 1-207 and RCW 62A.1-207. I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.
Company Response:
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made payment in full on XX/XX/2022 in the same manner as I have for over two years. Payment was not credit timely until XX/XX/2022. Goldman Sachs held payment for over three business days before posting and sent threatening emails demanding payment.
Company Response:
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Date : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX CONSUMER SOLUTIONS XXXX XXXX XXXX XXXX, PA XXXX ATTN : DISPUTE/CLIENT RESOLUTION XXXX RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX, was denied an extension of credit by Goldman Sachs Bank USA XXXX On XX/XX/2022, I applied for AppleCard. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( a ) ( 3 ) and you assume civil liability pursuant 15 U.S Code 1691e. Goldman Sachs Bank USA has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/2022 via email is both proof and evidence that I have been discriminated against, you are also criminally liable. Goldman Sachs Bank USA should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. BEST, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
Company Response:
State: MA
Zip: 02368
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for an Apple Credit Card through Goldman Sachs and my application was denied because of my credit and things on my consumer report. I can not be denied because I am the one who is extending credit to them, not them extending credit to me, especially since I make more than enough money to get any credit card I want. Per to 42 USC 408 asking for my social security number on any credit transaction is unlawful because there is no lawful money, and thats a crime. Also, per 15 USC 1602 ( g ), me, the consumer, is the creditor. I feel like I have been discriminated against by this companys actions for applying for this credit card. It is against federal law to be discriminated against for a consumer credit transaction per 15 USC 1691 ( scope of prohibition ). As a federally protected consumer, my rights have been violated and if this matter is not fixed, I will pursue actions for monetary damages for having my rights violated.
Company Response:
State: TX
Zip: 77087
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
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 a fraudster used my Goldman Sachs Apple Card to purchase a flight {$69.00} on XXXX XXXX. ( They also made 2 other charges on the Apple Card for a total of {$500.00} or so, and {$50.00} on another card, but I was able to resolve those directly with the merchants. ) I reported the fraudulent charge to Apple cards support 3 minutes after it was made on the 26th. Apple stated they would email me if they opened a dispute. I also reported the fraud to XXXX. On XX/XX/XXXX XXXX issued a provisional balance adjustment. I submitted On XX/XX/XXXX I requested an update from Apple who did not provide one. On XX/XX/XXXX I opened a report with IdentityTheft.gov On XX/XX/XXXX I requested an update from Apple and they provided a dispute number. I also got a response from XXXX stating " You would need to contact your credit card company regarding any fraudulent charges and they in turn would contact us with the full credit card information. '' On XX/XX/XXXX I advised XXXX that I had reached out to the card. XXXX XXXX responded " I understand this is frustrating however, the card company follows procedures to notify us. All actions would be handled through the card company for both fraud and any dispute of charges. '' On XX/XX/XXXX I advised XXXX that they ( unlike the other merchants where fraudulent charges were made ) were not very helpful. They stated they were going to " follow up with our Revenue Accounting Department and will be in contact as soon as possible '' On XX/XX/XXXX I requested an update from Frontier. On XX/XX/XXXX I again requested an update from XXXX. On XX/XX/XXXX ( today ) XXXX XXXX advised " Our credit card processor receives disputes on a regular basis and adds documentation to the reservation, without proper documentation on record, we can not refund the reservation for victims of fraud. Can you please provide any information from your credit card company regarding the dispute? '' On XX/XX/XXXX ( today ) I requested an update from Apple and advised them to get in contact with XXXX. They stated that they are " not sure whether our investigative team has spoken to the merchant '' but that they could " review the dispute to see if there are any updates ''. Apple then stated that the dispute was " processing ''. I provided the name and contact information of the lady at XXXX who had been responsive. I then used the language in the letter from IdentityTheft.gov to request " a written explanation of all investigative actions and findings In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ) ''. Apple advised that they could not do so stating " As far as what is being done within the investigation, or the steps of the Investigative process, or the nature of the process is something that is Proprietary. We can give you the steps on what happens within the dispute process, however our actual instructions on how we process the dispute is the Intellectual Property of the company. I apologize if that is what you were asking for. '' I asked for a supervisor and am currently awaiting their response. I have kept a contemporaneous log of all time and efforts I have spent on this matter.
Company Response:
State: OH
Zip: 44281
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: IL
Zip: 60827
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: In early XXXX of XXXX, found some one use my name to open Apple Card at Goldman Sachs back to XXXX. Reported ID theft follow the persons with my call suggestion from Goldman Sachs. ( See below attachment. ) The balance shouldn't my responsibility Back due to i never open the account. Had 4 or 5 phone call with them already and no progress to solve the problem. Continue receive email weekly like attached document to let me to pay the balance. 1. It is not my responsibility to pay it due to i never open it 2 don't know how to pay it either.
Company Response:
State: CA
Zip: 95070
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: According to 15 USC ( section ) 1666B Goldman Sachs is in violation for billing errors. I Am reaching out in regards to information on my Credit report that It is reporting negative information which is affecting me tremendously. I found an article proving Goldman Sachs are wrongfully reporting credit info from CFPB article on Goldman Sachs. Please update my Payment history to 100 % on time. Also, I would like to add that In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. Please update my Payment history to 100 % on time.
Company Response:
State: FL
Zip: 34761
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A