Date Received: 2022-08-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I paid {$330.00} to Apple / Goldman Sachs, to then complete my online purchase, and my account balance immediately reflected the payment, from {$2000.00} down to {$1700.00}. So then I tried my payment again. It was declined. I called Goldman Sachs customer support, and they said I'd have to wait XXXX DAYS until the payment was applied. I asked to speak to a manager, XXXX. She said there was nothing she could do. Goldman Sachs needs to fix it's broken systems and give me the credit to use on my account immediately when I make payments!!!
Company Response:
State: CA
Zip: 92584
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Identity theft protection or other monitoring services
Subissue: Didn't receive services that were advertised
Consumer Complaint: I applied for a credit line at XXXX and someone already has used my SSN to make accounts its also happened to my Apple CC
Company Response:
State: OK
Zip: 744XX
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I have tried to get a credit increase with Apple Card/Goldman Sachs , until about two weeks ago I had a fraud alert on my credit report/ which has been since removed for about two weeks now on all three credit Buearu sites. When applied to get the card i had a fraud alert, my 1 st increase fraud alert. Since removing the fraud alert, I have applied about 4 times and I always get a response that they couldnt approve me due to the fraud alert, and that they have tried to reach me, which is untrue, I have called reps talked to supervisor s, open up complaint case and have been given my contact number and times available to talk do to the time difference. When I received a call out side of the time I am available, the close the case and I have to request another complaint. I have asked when they pull the credit is it current and a update, no one can answer the questions.
Company Response:
State: CA
Zip: 94589
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Marcus-Goldman Sachs purchased the XXXX XXXX accounts from XXXX XXXXXXXX and I was told ALL data from XXXX XXXX was transferred to Marcus-Goldman Sachs as part of the contractual agreement. The transition was supposed to be finalized in XX/XX/XXXX. I recently needed some historical information on my account from XXXX and I am unable to access statementsthrough my Marcus account online older than XX/XX/XXXX. When I called Marcus-Goldman Sachs , I was told they do not have any historical statements from XXXX XXXX older than XX/XX/XXXX. When I called XXXX XXXX, I was told that ALL the information was transferred to Marcus-Goldman Sachs . I do not believe I should be stuck in the middle of this back and forth between these two large financial institutions that have the resources, IT departments, backup tapes, etc. to rectify this problem. All I need are my historical statements. I was encouraged to go paperless, therefore, do not have any paper statements since XXXX. I was also told by both Marcus and XXXX XXXX not to worry about downloading all of the statements because they would be available online through the Marcus Website once the transition took place. Perhaps this is part my fault for believing both Marcus and XXXX XXXX, but as a consumer, I should be able to have some faith in the companies I do business with to be telling me the truth -- especially large and supposedly reputable companies that are dealing with my financial transactions!
Company Response:
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
Issue: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: On XX/XX/XXXX, I was trying to buy a grill for my husband 's birthday at XXXX when I saw their app showing a special saying, " Get {$75.00} with a new Apple Card. When you spend $ 75+ with Apple Pay at XXXX XXXX stores, online, or directly from the XXXX XXXX app. Must open by XX/XX/30 '' I thought it was a great deal and applied for the Apple Card. I was immediately approved. I bought the grill ( {$590.00} ) and was happy to get {$75.00} back. After a couple of weeks, I didn't see the credit reflected in my account, so I contacted Apple Card customer support. On XX/XX/XXXX, the specialist XXXX said they opened a dispute for the {$75.00} after I explained the situation and sent the screenshots. I never got any answer. Last Friday ( XX/XX/XXXX ), I contacted them again, and the specialist XXXX said they couldn't see any dispute in my account. I feel extremely disrespected because I should never be wasting my time fighting for something that is my right since I followed all the instructions and did all steps for this special. It's ridiculous, and I would NEVER have opened an account with Apple Card if it wasn't for this {$75.00} bonus. I had multiple chances before and didn't even consider it ; this was the first time because I thought it was a great deal and opened one just because of it.
Company Response:
State: TX
Zip: 77379
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: hi i have an apple card which is run by Goldman sach company. they charged me {$75.00} interest even if i paid on time. they always say a supervisor will help you but no one comes to the phone and then they say they will call you no one reached out to me they make false promises of supervisors who dont realy exist. if they do, why did they reach out to me? then i canceled subscription and i told them but they still charging me for that subscription. XX/XX/XXXX they charged me {$74.00} that did not get resolved after making many calls and i paid on time. they charged me for XXXX XX/XX/XXXX that i already canceled.
Company Response:
State: MA
Zip: 01604
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
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 am writing this complaint because my consumer rights have been violated by the involved company. I sent a billing error notice via certified mail # XXXX XXXX XXXX XXXX XXXX that was delivered on XX/XX/XXXX. Since that time the company had sent me an email dated on XX/XX/XXXX, stating, " We received feedback regarding your Apple Card account and are looking into it. Your dispute has been investigated. We received your request for debt validation on XX/XX/XXXX regarding validation of account history of your Apple card reported by Goldman Sachs Bank USA. We mailed the debt validation packet to you on XX/XX/XXXX. We have reviewed the information being disputed, as well as our records, and determined that your Apple Card account was reported correctly. If you have any questions regarding your account, please feel free to contact us at XXXX. If you have any further questions, please reach out to an Apple Card Specialist. I then wrote another letter further explaining this dispute on XX/XX/XXXX, which was delivered via certified mail # XXXX XXXX XXXX XXXX XXXX that was delivered on XX/XX/XXXX, explaining why the matter was not settled. On XXXX XXXX, the company reported that the disputed amount was 30 days past due, which is a direct violation of 13 ( d ) ( 2 ) Adverse Credit Reports Prohibited - ( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section. ( PLEASE SEE ATTACHED ) On or around XX/XX/XXXX, I received the attached " Validation Letter '' ( PLEASE SEE ATTACHED ) which was dated on XX/XX/XXXX, which had to be a typo, and stated that if I do not respond within 15 days the company will report the debt. I then sent another correspondence via certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, which had not been delivered but I notified the company to note my account that I had a response being mailed. ( PLEASE SEE ATTACHED ) All of my responses have been made in a timely manner to expediate the settling of the matter, however the company violated the procedures of resolving billing error notices and furthermore have caused damage with the furnishing of this adverse credit reporting. There was never a resolution, and this is evidenced by the correspondences all lacked and the following language from ( 13 ) g -Creditor 's Rights and Duties after Resolution : ( 1 ) Shall promptly notify the consumer in writing of the time when payment is due and the portion of the disputed amount and related finance or other charges that the consumer still owes. The company has also violated Official interpretation of Paragraph 13 ( g ) ( 4 ) ( i ) Promptly reports that the amount or account is in dispute ; ( ii ) Mails or delivers to the consumer ( at the same time the report is made ) a written notice of the name and address of each person to whom the creditor makes a report; and ( iii ) Promptly reports any subsequent resolution of the reported delinquency to all persons to whom the creditor has made a report.
Company Response:
State: MI
Zip: 49504
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: GOLDMAN SACHS IS OVER THE REQUIRED TIME FRAME TO RESPOND TO MY REQUEST. BY LAW ANY ACCOUNT REFERENCE MUST BE DELETED FOR FAILURE TO ADHERE TO THE FCRA LAW. SEE SAID ATTACHMENT FOR VALIDATION OF DELIVERY AND REQUESTED INFORMATION. UNDER THE PENALTY OF PERJURY THE MUST ADHERE TO THE FCRA. MAIL XXXX RECEIVED AND SIGNED FOR XX/XX/12
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I made a payment full payment on XX/XX/22 on my balance for {$1800.00} to my Apple Card managed by Goldman Sachs. On XX/XX/22 Goldman Sachs reported to the credit bureau XXXX that I had a balance of {$1400.00} when I actually have a balance of {$190.00} resulting in a XXXX point drop in my credit score. This has been an ongoing problem with my Apple Card and Goldman Sachs. Delayed reporting resulting in a lower credit score. I am also in the process of securing a loan and this greatly affects me and my loan process. Goldman Sachs customer service and support is of no help and provides no immediate remedy to the credit reporting process. They are the absolute worst financial institution I have ever dealt with. I am at the point where I need to document this in preparation for litigation. Hence my complaint to you.
Company Response:
State: CA
Zip: 94110
Submitted Via: Web
Date Sent: 2022-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-13
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: On XX/XX/2022, I disputed a transaction for a total of {$56.00}. The financial institutions opened the case : Claim ID : XXXX and submitted it to the merchant. On XX/XX/2022, I received a letter from the financial institution stating the transaction was VALID, and I accepted the merchant 's Terms and conditions. On XX/XX/2022, I tried to re-dispute the trade mentioned above, but the credit card company denied proceeding. However, I did not receive the merchandise was not and/or received it very late. Furthermore, I do not accept the Merchant Terms & Conditions agreement. Additionally, the financial institutions are not following the XXXX XXXX and XXXX XXXX XXXX XXXX. Moreover, the financial institutions were violating the 1005.11 ( c ) ) ii ) Act because they failed to provide to the customer the provision credit as required by law. 1005.11 ( c ) ) ii ) Act ( ii ) Informs the consumer, within two business days after the provisional crediting, of the amount and date of the provisional crediting and gives the consumer full use of the funds during the investigation.
Company Response:
State: NY
Zip: 10001
Submitted Via: Web
Date Sent: 2022-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A