Date Received: 2022-08-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX To whom it may concern : I RECENTLY received a copy of my CONSUMER REPORT and I noticed some late payments being posted on my CONSUMER REPORT! ( Apple, Goldman Sachs Bank ) ( XXXX ) ( XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in CLEAR VIOLATION OF THE LAW! Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. The LAW CLEARLY STATES a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I GIVE ANY WRITTEN instructions to FURNISH THIS ( ACCOUNT ) on my CONSUMER REPORT! Now further more the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT, clearly states 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; NOW THE TERM PERSON defined by Congress means person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. So therefore a LATE-PAYMENT is a TRANSACTIONAL experience between the CONSUMER. Which CONGRESS define consumer ( c ) The term consumer means an individual. Which is an INDIVIDUAL ( me ), and the person making the REPORT which is ( the company name ) So since its a TRANSACTION between the CONSUMER and the PERSON! Delete the above LATE-PAYMENT FROM MY CONSUMER REPORT! This AGENCY is in violation of 15 U.S. Code 1681. Now Im not telling you to delete the account! Im asking for you to delete the above LATE PAYMENTS which are in violation of being REPORTED and keep the account. Now FAILURE TO RESPOND! I will take LEGAL ACTION. Due to you being in VIOLATION OF THE LAW! The law SAYS under CIVIL LIABILITY. 15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. Respectfully, XXXX XXXX
Company Response:
State: GA
Zip: 30815
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I, XXXX XXXX, the consumer, have contacted GOLDMAN SACH BANK on XX/XX/2022, by certified mail which they received XX/XX/2022. GOLDMAN SACH BANK, did not disclose to me as required by law that I had the right to opt out of my nonpublic personal information being disclosed to nonaffiliated third parties. GOLDMAN SACH BANK has continued to report to the credit reporting agencies after my notice and demand to stop sharing personal financial information with unaffiliated third parties. GOLDMAN SACH BANK is in violation of the Gramm-Leach Bliley Act and the Fair Credit Reporting Act these violations are listed : 15 U.S.C. 6801, 15 U.S.C. 6802, 15 U.S.C. 6803, 15 U.S.C. 1681a ( 2 ) ( A ) ( i ), 15 U.S.C. 1681a ( 2 ) ( B )
Company Response:
State: MI
Zip: 48066
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Attached is a letter dated XX/XX/2022 from XXXX XXXX showing that they sent Apple Card-Goldman Sachs payment of {$320.00} for account number ending in XXXX. As of this writing, payment still has not been posted. It seems rather obviuos and intentional that this banking institution purposely processes incoming payments slowly in order to gain additional interest. Also, for the record, the other two creditors listed on the attached letter, have received and processed the payment that was sent at the SAME time. I suggest that the CFPB investigates the payment processing practices of this shoddy bank.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Apple card ( Goldman ) reported a delinquency for a disputed charge XX/XX/19 for a business I did not go to. They finally cleared the disputed amount however it shows that I was delinquent and reported it to the credit bureaus. It had a major impact on my credit score. It was a charge for a restaurant called XXXX XXXX XXXX. I made multiple calls and they had someone call me many times to make attempts to collect each time I explained that I did not owe this. This has gone on for months
Company Response:
State: NC
Zip: 273XX
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-27
Issue: Problem adding money
Subissue:
Consumer Complaint: I tried to log into your XXXX account which they deny my services and also dont let me enter my account Goldman Sachs XXXX XXXX XXXX are restricting me from my own account
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
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: Goldman Sachs Apple Card has denied my dispute 3 times so far for a fraudulent purchase made with my apple credit card to the apple store on XXXX XXXX, 2022 in the amount of {$880.00} and the XXXX XXXX side has repeatedly confirmed that they do not see the purchase in their history, so it only shows up on Goldman Sachss credit card side. Goldman Sachs is not providing evidence that they see the charge is indeed valid for any goods or services received through the XXXX XXXX as indicated and rejects the dispute without providing details of the transaction.
Company Response:
State: CA
Zip: 94546
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I had a XXXX credit card with XXXX XXXX In some kind of way my information was sold to Marcus Goldman Sachs. They repeatedly called me asking for payment when I didn't sign a contract with them or consent for them to have my private information. They also are reporting late payments when according to 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 unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This creditor consistently violates my consumer rights and, under the FDCPA, is considered a debt collector. They are furnishing a deceptive form to deceive me into thinking I owe a debt when in fact, I do not. I didn't borrow anything from them pursuant to 12 USC 83 as a bank can not loan its own stock and 18 USC 8 that all debt is the obligation of the United States. A debt validation letter is also attached.
Company Response:
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
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 placed an order for a XXXX XXXX television with " XXXX XXXX '' a third party seller through XXXX, on XX/XX/2021 in the amount of {$4100.00}. The item was to be delivered on XX/XX/2021. I left clear delivery instructions stating that if I were not home to call me and if no answer to reattempt delivery. In addition, XXXX required a signature from me for successful delivery. I was not home on XX/XX/XXXX XXXX and when checking the tracking information it showed that my item was delivered to someone named XXXX XXXX XXXX. I immediately reached out to the merchant through XXXX and explained what happened. The merchant explained that an investigation would be started, and someone would reach out to me in the following days. I never heard anything back and reached out to the merchant again and was informed by " XXXX XXXX '' customer service representative named XXXX that an investigation was still in process. Days went by and again I had not heard anything back from the merchant " XXXX XXXX ''. I then proceeded to dispute the charge with my bank institution. I was advised by my bank institution to reach out to XXXX and see if the issue could be remedied. I then reached out to XXXX customer service and explained my situation to a representative named XXXX XXXX. XXXX XXXX explained to me that a refund would be issued to my card and I should see it in 3-5 business days. The credit never came. Upon submitting my dispute, the merchant has now responded stating that I have had XXXX orders delivered to my home in the past with no issue and that my address is valid ( which is irrelevant to this situation ). My address and apartment number is valid however, the merchant failed to mention that I live in an apartment building and not a house, so delivery of a package with a signature required by me is vital. As I stated previously, the package was not delivered to me, nor was it signed by me, and my delivery instructions were not followed. My package was instead delivered to someone named XXXX at a different address/apartment number. The merchant also stated that they have no record of any phone calls or emails from me regarding my issue. That is inaccurate and I have contacted the merchant and XXXX several times via email and XXXX transcript ( please see attached ). In addition to XXXX policy, XXXX can refund a customer at their discretion. XXXX agreed to refund me because of this issue ( as seen in the transcript ) and I have yet to receive my refund. I've also filed a police report with my local police department. My bank institution constantly resolves the issue in the merchants favor. I've submitted a dispute over 5 times since XXXX, XXXX
Company Response:
State: CA
Zip: 90806
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Money theft that happened now does demonstrate that it was planed and initiated by at first restricting my access to my money since XX/XX/XXXX and now did happen factually. The email from Goldman Sachs arrived today 's morning with confirmation of my account closure and nothing about my money ( attached ), while I never regain access to my money back. Since XXXX, I called Marcus to find out why I can not access my account and what happened to my transfers from XXXX after I have seen them pending? Marcus representatives all like one were claiming that they are unable to remove the Marcus restrictions off and all like one promised that supervisor is not available at that moment and will call me back. I never got a call from any supervisor. Bank claims for false restrictions continued to hold my money to Marcus, while I wanted to move my money to a different bank and now finalized by Marcus Goldman Sachs by total theft. Now it is clear that criminal attempts to steal the money was a goal of Marcus Goldman Sachs. Marcus Goldman Sachs account was procedurally connected by direct deposit with XXXX account that is checking account with XXXX XXXX. That account was successfully confirmed between Goldman Sachs and XXXX checking with XXXX XXXX. ( Two attachments with two deposits from Goldman Sachs are included. ) Goldman Sachs are boldly lied that it was not confirmed while it was confirmed on XX/XX/XXXX. Numerous checks were deposited to Marcus Goldman Sachs through the mail as they claimed that they do not accept electronic deposits, but checks by mail only. Just right now I understand that I became a victim under Title 42 U.S. Section XXXX Civil Action for Deprivation of Rights and additional crime for egregious money theft.
Company Response:
State: CA
Zip: 95062
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: They try to collect money from me for something is not belong. I want them to provide me with 2 pieces of information 1 ) Original Contract with my signature on it 2 ) Proof of ownership
Company Response:
State: FL
Zip: 33167
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A