Date Received: 2022-08-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: They block messages comunication way This messages communication way is totally ok wayto contact them. This is in the agreement Apple card is working in a very suspicious way when i reported I lost my card they requested full payment and block my card then they sent me a message telling they cancel my card and still charging me for unauthorized transactions
Company Response:
State: CA
Zip: 92231
Submitted Via: Web
Date Sent: 2022-08-25
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: I noticed an unauthorized charge on my Apple ( Goldman Sachs Mastercard ) from the app store as an in-app purchase. I disputed the charge and it was denied. I requested a review of the denial and it was denied again. Apple support stated there is nothing they can do and I am responsible for the unauthorized charge as they have no recourse after initial dispute.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: XXXX financing Goldman Sachs Apple XXXX XXXX XXXX and protection XXXX {$1900.00} Auto pay XXXX {$2000.00} Auto pay XXXX $ {$430.00} Overcharged {$520.00} GS- I manually paid {$430.00} using Apple XXXX at XXXX XXXX on XXXX # XXXX Not truthful flat out lie # 2 Difference in amount financed and statement balance due to additional charges using XXXX Apple Card Not true Nothing but items listed above No added charges Another lie Conversation with XXXX hang up on us Asked for names at XXXX to write letter and would not allow Asked who is President and would not answer What is option none
Company Response:
State: NC
Zip: 28117
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: About a month ago I filed a complaint about fraud for two credit cards, one with XXXX bank and the other with apple/goldman sachs and I could only put one company in to file the complaint with so I went with XXXX to get that one started. That one came back as a fraudulent account and got taken care of. Now im filing for a fraudulent account through goldman sachs. It has greatly decreased my credit score and I didnt see it until last time I checked my credit score which is the same day I filed the complaint with XXXX Bank
Company Response:
State: NJ
Zip: 08021
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Apple locked my apple cash. A month ago it was locked because i was trying to send XXXX $ to a virtual wallet so i can purchase bitcoin online. It wouldnt allow me so it locked the apple account. Apple unlocked it and just last night i noticed my apple cash is locked again this time for no reason. Just called XXXX today snd they told me its locked because of the issue that happened a month ago. I always get cash back from using their credit card and now they told me i wont be able to access the cash back anymore or use XXXX cash and couldnt give a reason why
Company Response:
State: NY
Zip: 11741
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Dear CFPB, XXXX XXXX sold it's XXXX Card credit card relationship to Marcus ( Goldman Sachs ) in early XXXX. While the transition commenced after closing in XX/XX/XXXX, I did not actually receive my new credit card until XX/XX/XXXX. During this timeframe, valid charges and payments were made using my old XXXX XXXX card and ACH payments through our bank ( XXXX XXXX ) were sent to XXXX XXXX, which forwarded the payments to Marcus. A balance of {$3300.00} for two valid transactions was due in XX/XX/XXXX. This balance was subsequently paid three times ( {$3300.00} on XXXX, {$4000.00} on XXXX and {$3300.00} through two ACH transactions and one EFT directly from XXXX XXXX ). These payments were made through multiple means to ensure receipt by Marcus as their po box on our XXXX ACH payment through XXXX XXXX was inaccurate. Marcus then returned {$7000.00} on XX/XX/XXXX via check and reversed the third payment in the amount of {$3300.00} resulting in a payment due of {$3300.00}. Marcus then levied a {$48.00} interest fee and {$29.00} late payment fee on our account, despite being paid three times the amount due. Upon receiving our XXXX statement, I noticed additional fees for the amount due and that the payments were never accepted. I immediately contacted Marcus to inquire about why they returned our payments and then charged us fees and interest. I also sent a personal check in the amount of {$3300.00} to cover the outstanding valid balance which posted on XX/XX/XXXX. I have filed two complaints requesting reimbursement of the fees ( {$77.00} ), but they have been rejected for no apparent reason. This behavior is clearly inconsistent with Goldman Sachs values and a means of generating fees and interest. Transition errors, delays and inability to deliver statements should not be used as a basis for charging fees and interest on customers with clean payment histories. I recommend that the CFPB take immediate action to investigate this matter and any other similar situations for XXXX Card customers that have experienced similar irregularities.
Company Response:
State: VA
Zip: 20111
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: My wife and I refinanced our auto with XXXX XXXX XXXX in XX/XX/2022. The check was sent out and endorsed by Goldman Sachs, the lien holder of the loan, and deposited into XXXX XXXX, in XXXX XXXX, XXXX. The amount was {$23000.00}. However the loan was not paid off! My wife has filed complaints with the XXXX and Attorney General. She has spoken to a complaint resolution specialist at XXXX who claimed that Goldman Sachs has found the money and that they will be contacting us. Nothing has happened with that. XXXX XXXX XXXX says that their lawyers are also working on it. XXXX has told us to continue paying Goldman Sachs until this is cleared up. We desperately need to know where this money has gone. I dont even have a good phone number to call Goldman Sachs and the specialist at XXXX that spoke to my wife has not returned any of her calls. The address of XXXX executive office is in New York.
Company Response:
State: MO
Zip: 63385
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I received a letter from Marcus about them closing my high-yield savings account without any explanation. I called and they said they can't tell me why, but have locked my account and I haven't been able to log in to transfer my savings. I called on XX/XX/2022 and can't get an answer why. I had this problem with a credit card in the past issued by XXXX XXXX, where I have good credit and paid my balances off in full ( no late payments ) and they closed my account without reason or explanation.
Company Response:
State: CA
Zip: 90301
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These soft inquiries need to be removed from my credit report as they are fraudulent. Already tried to fix it with the credit bureaus and they are unwilling to help me and remove the soft inquiries. They claimed that the inquiries can not be removed, but you can remove them instead of the credit bureaus. I have never applied for an Apple Card credit card and have no interest applying for one in the future since this happened to me. Please remove these soft inquiries from my credit report from ALL credit bureaus. There may be more in your system but they all need to be removed as they are all fraudulent. I would like all my accounts closed permanently. I will decide whether I want to open them back up if I happen to want to apply sometime in the future which is very unlikely. I am not going to ask again to have them removed since this has continuously going on time and time again, and have been working with you and credit bureaus to get them removed for over a year now. Some of the inquiries are listed below. APPLE CARDGS BANK Location XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX APPLE CARDGS BANK Location XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX
Company Response:
State: IN
Zip: 46032
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: I XXXX XXXX, a natural person and consumer, recently applied for money, goods or services primarily for personal use on credit with Marcus : by Goldman Sachs. I then received a letter informing me that their organization was unable to approve my application. As a result, they have failed or refused to issue me an account as a creditworthy consumer. As you know or should know, it is prohibited to take adverse action against a consumer pursuant to Equal Credit Opportunity Act codified at 15 USC 1691c for which they may be held criminally and civilly liable for your violations of 15 USC 1642, 1681m and 12 CFR 1002. Pursuant to 12 CFR 1002.7 A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of XXXX, marital status, or any other prohibited basis. Please referenced the attached evidence as proof of my application for credit and your refusal to extend credit. Pursuant to 12 USC 1602 ( p ) Marcus : by Goldman Sacks have made unauthorized use of a credit card by utilizing my social security credit card in which I received no benefit. Pursuant to 15 USC 1602 ( L ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus Marcus : by Goldman Sachs fraudulently used my credit device to obtain money and provided me no benefit from such use.
Company Response:
State: PA
Zip: 19151
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A