Date Received: 2022-08-24
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: I mailed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX PHONE # ( XXXX ) XXXX A letter about the Covid Relief Act, to forgive me for my 7 late payments, XXXX XXXX, XXXX, XX/XX/XXXX XXXX, XXXX, XXXX, XXXX and Disputed them several times and they are still reporting my payments late to the credit reporting companies! Please contact there management and have them removed the 7 late payments! Thanks so much for your help! XXXX XXXX XXXX
Company Response:
State: SC
Zip: 29617
Submitted Via: Web
Date Sent: 2022-09-09
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: My XXXX XXXX XXXX XXXX card was switched over to a new company, Marcus by Goldman Sachs. This switch was without my consent or knowledge, this was XX/XX/XXXX. I called the number on the back of my XXXX XXXXXXXX card and was transferred to Marcus by Goldman Sachs. I asked them to deactivate my card, because I did not want to use the card but I did not want to close the account and hurt my credit. I informed them that this was my online shopping card attached to many different accounts like XXXX, XXXX, XXXXXXXX XXXX, any place that takes money monthly or anything you have to attach a card to, i attached this {$300.00} limit card from XXXX XXXX that i had for 6 years. So as I went to login to my things, and it was on this card i would change the card. I was unaware that closing a {$300.00} credit limit would not hurt my credit at the time ( I found that out in new research this month, so the account is now closed ) but going back to XX/XX/XXXX, they were supposed to deactivate it. Then a charge went through for {$1.00}, after receiving that bill I paid the card off and asked them to be sure this time the card was turned off. Two more times purchases went through on this card, I did not want to place my checking account number with a credit card I had never heard of. The lady on the phone told me to dispute the charge of {$21.00} since the card was supposed to be deactivated. So I did as she informed me, and put a dispute in. The credit card company says their records say I called back in and cancelled the dispute. I never did that, and so now 2 late fees have tacked on to the bill. So I then did research about closing the account since I am having so much trouble, so on XX/XX/XXXX I called in and made the {$21.00} payment and closed the card for good, they sent the late fees to dispute since I shouldnt be responsible for those. They are now saying after looking at the dispute they are not taking these fees off. So I am wanting to file this as scam or fraud. I believe they are scamming me for late fees, I called in numerous times to stop this card. Charges that went through on this card, they should have been declined if the card was deactivated. The company says there is no record of me requesting that, then they cancelled my dispute and said it was claimed by customer, it was not. I called to make payment and she suggested I dispute. If I had paid the {$21.00} charge when I called in, it would have never gained interest and late fees. Marcus by Goldman Sachs told me there is no number or anything they can give me, no higher manager to send me to. I am not late on credit card payments, this has dropped my score XXXX points and I work hard to keep up with my bills. I am wondering if there is anything I can do other than pay {$62.00} to that credit card company that is scamming me. Thank you so much for you help.
Company Response:
State: CO
Zip: 800XX
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: They offer me the credit for Apple on my phone but Im always getting denied without being giving a chance because people do change. I understand that I have some delinquent stuff on my credit but its majority Student loans. If given a chance for a line of credit I will make my payment if I have to use the credit card.
Company Response:
State: GA
Zip: 317XX
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Apple Card ( by Goldman Sachs ) made my credit card unusable starting around 2 weeks ago. The current card number they gave me does not work for any purchases. It declines every time and says " Declined - Card Replaced '' as if the current card number is outdated/expired. I thought I could fix it by trying to request a new credit card number to replace the old, non-working one. But every time I try, it says " Account Action Not Permitted. '' This is abnormal as I was easily able to replace my card number in the past. I have called their supervisors at least 4 times now and they have been absolutely no help. They constantly give me the runaround. For example, they say they put in a " tech review ticket '' for me that will be resolved within 3 days and that I will be contacted. It has been way past that and I never got any updates, responses, or resolutions from them. I even tried calling them again after all this just for them to say to wait longer again. This is unfair as all I want to do is be able to use my credit card. I dropped my credit score to apply for this credit card so I can take advantage of its benefits. I am unable to do that if I can not use my Apple Card. Thank you.
Company Response:
State: NV
Zip: 89183
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Company still REFUSES to provide account statements and bills. Asked multiple times by phone and electronically- they keep ignoring. CFPB complaints also ignored.
Company Response:
State: CA
Zip: 92688
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: My girlfriend applied for an Apple Card early on in XXXX. I was initially added on as an Authorized User, and soon after lost access of the ability to add the card to my mobile wallet because the app kept saying " Unexpected Error '' when trying to add it. I filed a couple of tickets in regards to this issue over the next month, and just gave up because I could not come to a resolution. Fast forward to XXXX, and I got approved for an Apple Card of my own. Apple Card lets you invite someone you're sharing their family plan with as a " Co-Owner '' to your credit line. My girlfriend accepted my invite, and our accounts were seemingly merged together. Her credit line increased by the amount that I was approved for, and my status updated as Co-Owner ... however, my device showed a notification from XXXX XXXXXXXX saying that my Apple Card was closed and to re-add the new account in the main menu. I tried, only to be met with that oh so familiar " Unexpected Error '' messages yet again. I've hopped both my girlfriend and I 's XXXX XXXXXXXX accounts between various XXXX XXXX, XXXX XXXXXXXX and XXXX, and it is 1000 % either an issue with my social reporting to Goldman Sachs, or my XXXX XXXX. Neither XXXX or Goldman Sachs can do much besides file tickets and refer me back to square 1 with the opposite party.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
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 charged me for repair of my XXXX claiming they did not receive my XXXX until XX/XX/2022. I have the XXXX receipt showing my XXXX was received on XX/XX/2022. I was given an extension to return my XXXX until XX/XX/2022 because I had to go out of town unexpectedly. I called and they left me on hold for over 17 minutes and 40 seconds and never came back to the phone. In New York State its legal to record a conversation in New York. New York is a one consent state when it comes to recording. XXXX told me Apple does not allow recording of a call.
Company Response:
State: NY
Zip: 10473
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-21
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: XX/XX/2022 : My XXXX Card administered for XXXX XXXX by Goldman Sachs Bank ( " Marcus '' ) repeatedly on more then one occasion places erroneous interest charges upon my XXXX XXXX by Marcus despite the fact that I always pay the amount due prior to the due date to avoid any interest charge or late fees. On XX/XX/2022 at XXXX XXXX XXXX : I spoke with customer service representative : " XXXX '' = phonetically " XXXX ''. XXXX informed me that she could not understand either why I was charged {$17.00} in interest because my amount due was paid timely before the XXXX due date. XXXX informed me that she will request that the {$17.00} be removed from my XXXX Card in that no interest is due. I asked XXXX to have a Manager phone me and she stated that she would. No Manager ever phoned me. Instead I received an email erroneously and inexplicably stating : that the interest charge " is correct '' with no explanation : because there is no valid explanation it is a specious and fraudulent interest charge by XXXX Card by Marcus. I paid the amount due prior to the due date and XXXX Card by Marcus is fraudulently placing interest on my card as stated above. On the prior statement to the above : XXXX Card after my speaking with a Manager told me to pay : {$970.00} because a charge was in dispute so this would be my " total due ''. I timely paid the {$970.00} on time as informed by a XXXX Card Manager by telephone : and then XXXX Card charged me {$6.00} interest despite their " Manager '' informing me this would be the " total '' due to avoid any late charge and/or interest charge. Despite the immediately preceding XXXX Card charged me {$6.00} for interest that is specious and an illicit charge.
Company Response:
State: IN
Zip: 46321
Submitted Via: Web
Date Sent: 2022-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, Apple Account has violated my rights. 15 USC 1681 Section 602 States I have a right to privacy. 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an 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: AZ
Zip: 85032
Submitted Via: Web
Date Sent: 2022-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-20
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: My information was sold to a third party without my authorization. In accordance with the fair Credit Reporting act Goldman Sachs Account ending XXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A credit may not treat a payment in a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: OH
Zip: 43232
Submitted Via: Web
Date Sent: 2022-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A