Date Received: 2023-12-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: NOTICED ERRORS ON CONSUMER REPORT AND MADE APPLE CARD/GS BANK AWARE AND THEY CONTINUE TO REPORT AND NOT REMOVE THESE ERRORS AND CONTINUE TO VIOLATE FDCPA, FCRA, CFPB AND PUBLIC LAWS RULES AND REGUALTIONS AS IT PERTAINS TO DEBT, DEBT DISCHARGE AND CREDIT REPORTING 1. APPLECARD/GS BANK, WAS SENT A NOTICE OF ERRORS, AND NOTICE TO CURE FAULT, AND NOTICE TO REMOVE DEBT REPORTING MORE THAN 180 DAYS PAST DUE AND IS ENTITLED TO DISCHARGE. 2. CURRENTLY, IT IS BEING REPORTED TO THE CREDIT BUREAUS THAT LAST PAYMENT WAS MADE XX/XX/2023 IN THE AMOUNT OF {$1800.00}, WHICH MEANS THE DEBTS 210+ DAYS PAST DUE AND IS DEEMED NON-COLLECTABLE AND ENTITLED TO DISCHARGE. 3. LASTLY, THIS ALLEGED DEBT IS ENTITLED TO DISCHARGE DUE TO PUBLIC LAW 73-10 OF HJR
Company Response:
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
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: Prev complaint XXXX Unacceptable response! The merchant and construction company did not contest the dispute, and accepted it on their end to promptly return my funds to my credit card and to resolve the dispute in my favor. The email and screenshots of this was submitted. I also called merchant directly to confirm this and advised Goldman to do the same. This was never done. Then Goldman closed out the original dispute stating that I said to close this out, in which I did not. Now they are dragging this along, accept for owning responsibility for their error and not resolving this dispute in my favor thus returning my money to me since the merchant sent the response stating this is in my favor. Completely unacceptable. Goldman Sachs needs to connect me directly with merchant on the line, so that we can clear this up. Apparently the emails and screenshots have not been reviewed by Goldman to see that the merchant resolved this in my favor. Thus Goldman is holding these funds on hold where they should have returned it to me and resolve this dispute in my favor. I filed a dispute thru my Apple Card for a charge from XXXX on XX/XX/23 in the amount of {$8200.00}. The dispute reached the merchant XXXX immediately, in which their client XXXX XXXX did not contest the dispute and agreed to return the funds to my credit card. This was acknowledged on XX/XX/XXXX per the attached email trace between XXXX and XXXX Risk Operations. This email was furnished to me directly from XXXX client XXXX XXXX To date, Goldman Sachs - Apple Card has not resolved the dispute in my favor and provided a permanent credit of this amount per above. After placing serval calls to Goldman to check the dispute status, everyone has told me that there has been no updates from XXXX on this dispute, however this is incorrect. The funds should have immediately been returned to my credit card as per above. XXXX attached email from me contacting XXXX on XX/XX/23 confirming that they returned the {$8200.00} to Goldman Sachs Apple Card to m return to my account, yet Apple Card has not done this. Where is my money????
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Problem when making payments
Subissue:
Consumer Complaint: The new loan servicer is unable and incompetent at locating payments I've made. I made my XX/XX/XXXX payment on XX/XX/XXXX and XX/XX/XXXX through the Marcus App and neither Marcus nor the new loan servicer can find the payment. I am not paying again for XXXX when I've already made the XXXX payment. I've called the last five days and both aren't able to do anything. I'm not making another XXXX payment.
Company Response:
State: NY
Zip: 14150
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. Please send me a copy of the credit application/contract bearing my signature associated with my account, with no information redacted, NOT my cardmember agreement but the signed contract. I understand that under the Truth in Lending Act, Fair Credit Reporting Act and Consumer Credit Act, I am entitled, as a signing party to the contract/application, to receive a copy of any credit contract and a statement of account when I request it. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation and am in a contractual obligation.
Company Response:
State: WA
Zip: 98166
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
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: XX/XX/23 I first arrived at a hotel I booked for my family in XXXX. The name is XXXX, but it was a XXXX The way the receptionist greeted us was rude. I asked for an upgrade option, but he laughed and answered in a XXXX manner that we need to contact who ever we booked with. The rooms have no bathroom inside. The shared bathroom and restroom are dirty and no gender separation. We came back down and asked for a refund. Again, the receptionist told us to contact the site we booked with. We contacted the site, which is XXXX. They said we need to stay 1 day, and they will contact again tomorrow. After laying om the bed for a while, I got bed bug onto my arms and back. I decided to book another hotels and moved immediately. Now Im asking for a full refund. They didnt. So I disputed with my bank. The dispute also got denied.
Company Response:
State: CA
Zip: 92843
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My Apple Card account with XXXX bank has been restricted since the beginning of the month and spending remains blocked. I have made numerous attempts to contact customer service via chat or call center and have been given no explanation as to why or how long it will remain restricted. I have spoken to supervisors and the answer remains the same, the explanation is to wait without any timeline and no additional options are given to discuss this matter further and resolve. Its an actively used card and I have automated transactions bouncing because of it and its a very uncomfortable situation. I would like to request help in solving this matter. Thank you.
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Received promotional offer on XX/XX/2023 from Goldman Sachs / Apple Card to add a co-owner to my account. The offer provided a {$100.00} Apple XXXX credit if the co-owner was added between XX/XX/2023 - XX/XX/2023 and spent more than {$100.00}. I added a co-owner on XX/XX/2023 and this co-owner immediately spent {$300.00} followed by two subsequent transactions. Theyve not received any credit or bonus. Per the fine print : Each {$100.00} and {$25.00} bonus is earned as Daily Cash and is transferred within 7 days after respective minimum spend thresholds worth of transactions have posted to the New Users Apple Card account and the New User has made a subsequent transaction. Ive reached out to Goldman Sachs / Apple Card support via phone ( XXXX ) and via XXXX XXXX XXXX. Neither support channel has resolved the issue other than creating an inquiry. The promotional details that were received via email to the account owner are also available at https : //offers.applecard.apple/apple-card-family-offer
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Goldman Sachs employees continue to perpetrate serious federal felonies by perjuring themselves before the Bureau, saying I ever made an untimely payment on my credit card. This casual and dismissive and false response is XXXX and unacceptable. Goldman Sachs employees need to be criminally investigated under the federal obstruction of justice laws for lying to bank regulators.
Company Response:
State: NC
Zip: 28208
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/XXXX XXXX Program Attention : Disputes XXXX XXXX XXXX XXXXXXXX XXXX XXXX Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I, the consumer may have given you whether written, unwritten, verbal and non-verbal per XXXX XXXX XXXX. GreenSky is in violation of the following : 15 USC 1681b 604 ( a ) ( 2 ) 15 USC 6801 15 USC 1691 ( a ) 12 cfr 1002.2 ( c ) ( 1 ) ( ii ) EQUAL CREDIT OPPORTUNITY ACT ( Regulation B ) Per Internal Revenue Service publication 4681, canceled debts are considered income. A charge off is a debt that has been canceled, therefore the placement of this debt directly violates the FCRA which does not include income as permissible information. The Privacy Act of 1974 The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. According to 15 USC 1692k, it is my right to pursue damages for civil liability for every instance of violation for this debt established in 2020. I intend to pursue it. XXXX XXXX XXXX
Company Response:
State: PA
Zip: 19027
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Violating the Equal Credit Opportunity Act and Consumer Credit Protection Act by discrimination due to good faith exercising my rights under the Consumer Credit Protection Act and withholding my access to my securities which constitute Securities Fraud! This is unlawful and unethical activity being carried out involving discrimination and securities fraud!
Company Response:
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A