Date Received: 2022-08-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Goldman Sachs ( apple credit card ) incorrectly filed on my credit report. When I called them about my alleged late payments and charge off, they said I " owed '' them the XXXX figure. But the report clearly says, " charged off. '' If something is charged off a 1099a is sent to Goldman Sachs which means it is now income earned for the company. I can not owe on income. And this now becomes inaccurate reporting on their part. They are trying to be paid twice for the same case. I would like to exercise my right as a consumer to 15 USC 1681i ( a ) due to the nature of inaccurate reporting on my report. Also, in 15 USC 1681 ( a ) 1 it says that the banking system is dependent upon fair and ACCURATE reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Company Response:
State: TX
Zip: 77063
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
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 was sent a third party text link from a stock pick company XXXX This text sent to my phone only had a simple credit card form to fill out for payment. This wasn't completed on the merchants website at all. When I got access to this information, I immediately requested a refund seeing this isn't what I was told it was to be. This company told me they don't honor refunds. I immediately filed a dispute with Goldman Sachs ( Apple Card ). Apple Card accepted this companies generic website pages as proof of purchase. I have asked over and over again for proof of me accepting a no refund policy as again this transaction NEVER occurred on this website, again all done via a third party text message link for credit card input. They have NEVER provided this proof as you must select the box as agreeing to their terms which again never happened. Since filing a dispute, this company that took my {$4500.00} has blocked my access and deleted my account. I have supplied Apple Card with this information and they yet refund my money. I have contacted XXXX many times via email, text, and they won't respond to me. They have again blocked my account, this is FRAUD!! This XXXX company has FRAUDED me out of {$4500.00} and I want my refund. I have tried many times resolving this with Apple Card, today I simply asked for my account number so I may include it in this dispute, they refused to provide me with this information.
Company Response:
State: TN
Zip: 37615
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
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: The issue involves the Apple Card by Goldman Sachs Bank USA. I have tried since XXXX of XXXX to resolve dispute about a balance I do not owe. In fact, 2 associates told me I have overpaid. One stated I overpaid over {$300.00}. And another said over {$100.00}. I have been on the phone with them numerous times, which usually last 2 hours, going over the same problem, despite them having individual notes from each discussion. I have been told no interest would be accrued while in dispute but it continues. I wrote a letter, thinking that would resolve the issue but I didnt even receive a response. The latest balance, according to them, is {$400.00}. I do not owe this. Each time I have called every associate and specialist and or Supervisor comes up with a different amount. It should be a simple matter of adding and subtraction This has been an ongoing nightmare and has effected my excellent credit.. I do not have all dates, not realizing I would need them, but I know I called on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I also have a copy of numerous text messages. Some people I have spoken with are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. They refuse to resolve and while they state they will send in dispute, I receive nothing. It took forever to close this account, another 2 hour ordeal. I have never dealt with such an incompetent company in my entire life. I hope you can get some results. The XXXX, time, and damage to my credit is beyond upsetting.
Company Response:
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Fraud or scam
Subissue:
Consumer Complaint: It was {$68.00} from XXXX XXXX ( XXXX ) from XX/XX/XXXX XXXX dispute # XXXX from Goldman Sachs Apple Card XXXX I ordered a sofa table that was supposed to be made from authentic XXXX frame and came equipped with original headlights and led lighting that can be plugged in. Instead, I was sent a 2 inch toy that resembles the item ( just very little ). The item was found on an online catalog from XXXX. The catalog stated that if unhappy with the product, for any reason, a 100 % refund can be requested. Every time I wrote the merchant, they offered me 10 % all the way up to 75 % back on the last email. I have been disputing and redisputing this for almost a year now with Goldman Sachs. Every time I call, I get very sympathetic reps that side with me that this was fraud, but tell me the final decision is up to someone else. So about every 3 months, I get a message from Goldman that they are siding with the merchant based on my lack of evidence. I have sent them a picture of the merchandise in the online catalog and a picture of the broken toy I received. The merchant took down their online store. Its obvious to me, from the first time they offered me 10 % back that this was a scam. I asked for the original item or 100 % refund. I was told they cant send the original item back and then offered the partial refund. I sent both photos to Goldman as well as all the corresponding emails between the merchant and myself. Still, they sympathize and then reject my dispute, siding with the scammers. Im writing to you since I have been rejected 5-6 times now. They say each time that they understand what happened and they will try their best to resolve the issue, but its the same each time. After reading an article online, I discovered that Goldman Sachs has had quite a few complaints regarding settling these type of cases because they have been overwhelmed and under staffed. I get that. Still, I keep thinking that if this was a domestic company, it could have been resolved the first time. Every time my dispute is rejected, they put the amount back on my card and I have to dispute it again once more. Then I receive in the mail a letter explaining why it was rejected. The problem with the letter is that its printed very small, it usually is faded and hard to read, and it gets cut off on the right side. The best I can make out is that they need more evidence. Im pretty sure I have submitted more evidence than the merchant has. The only thing that must be holding this up is that I havent mailed the toy back. In the majority of the emails, the merchant asked me to please keep it and not send it back. Until the last email, they told me I could send it back at my expense and that they can not be responsible if it gets lost in the mail. To me, it would be futile to send it back. These people were scammers to begin with. They need to have some type of legal ramifications or at the least, take their ability to use visa or master charge away. I used this card so I would have protection from scammers. It just seems, Goldman Sachs is siding with the wrong side. Ive done everything Ive been asked to do. I recently disputed this about a week ago for the 6th or 7th time. I appreciate if you can help me to settle this once and for all.
Company Response:
State: FL
Zip: 33770
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
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: No I am not requesting a balance letter, I have clearly stated Pursuant to 12 USC 1431 banks are not allowed to lend money Per the law I am requesting 15 U.S. Code 1692g - Validation of debts ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. If these are credits from my credit card why do you keep attempting to collect a payment? When I ask these questions directly to go with me to Goldman Sachs they were unable to give me an answer. The representative XXXX supervisor at Goldman Sachs even Reminded at the end of the conversation to make sure I made payments to avoid interest charges and late fees All evidence is attached via photos to this case Along with my CFC complaint Along with the attorney general of New York and California
Company Response:
State: CA
Zip: 94578
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for an Apple Goldman Sachs credit card last month. The sign-up bonus is that within 30 days of opening the card, if the spending reaches {$75.00} or more, my credit card account will receive a statement of {$75.00}. On the XXXX day after I opened the card ( that is, XX/XX/XXXX ), I spent {$790.00} to buy a mobile phone ( the credit card add {$75.00} to my account and 3 % cashback rebate {$23.00} totaling {$98.00} back to my credit card ) when I pay {$790.00} ). , and then I spent another {$150.00} at the supermarket, after that I felt that the phone was not easy to use, so I returned the phone, but since I returned it, they I forfeited the {$75.00} and the {$23.00} cashback at the same time. Within 3 days of opening the card ( meeting the XXXX requirement ), even after deducting the {$790.00} before the return, I still spent XXXX ( meeting the requirement of the consumption amount of XXXXXXXX XXXX ), and the credit card customer service insisted that they would not give me the opening bonus of {$75.00}.
Company Response:
State: NV
Zip: 89169
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: An automatic payment for {$2400.00} failed on XX/XX/22 and the failure was corrected ( balance paid in full, plus extra ) on the same day through 2 payments ( XXXX and {$1000.00} ). The company ( Goldman Sachs ) charged interest totally {$56.00} for the balance of the missed payment. Goldman Sachs representatives refused to acknowledge that our payments made them whole on the same day that I was aware of the missed payment and refused to remove the interest charges.
Company Response:
State: CT
Zip: 06492
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have sent Goldman sach banks a correction of billing errors notice pursuant to 15 USC 16666 ( a ) stating that there is an error in the statements for credit card associated with ACCOUNT NUMBER ENDING:XXXX pursuant to 15 USC 1666 ( b ) ( 4 ) and have demanded that they credit the account with the amount of credit ( {$6000.00} ) that was issued to the consumer ( me )
Company Response:
State: VA
Zip: 23701
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
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: My name is XXXX XXXX. I am submitting this on my own behalf, there is no third party involved. I have previously contacted Goldman Sachs Bank in relation to validation an alleged debt which they have not done pursuant to 15 USC 1692g laws. I have subitted a previous complaint with the CFPB regarding this issue ( complaint ID : XXXX ) In addition to refusing to lawfully validate the alleged debt, they are in violation of 15 USC 1666 ( b ) ( 2 ) " a billing error consists of any of the following : ... A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. '' I requested documentary evidence proving the alleged debt was mine and Goldman Sachs Bank refused. I sent them a notice that I, a federally protected consumer, believed that the statement contained a billing error and the amount of such billing error, and set forth the reasons for my belief that the statement contained a billing error. Pursuant to 15 USC 1666a, Goldman Sachs Bank may not directly or indirectly threaten to report to any person adversely on the consumer 's credit rating or credit standing because of the consumer 's failure to pay the amount indicated and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of sending a written acknowledgment ( which Goldman Sachs did not do ), and make appropriate changes to the account in which the billing errors occurred. Goldman Sachs is negatively reporting on my consumer credit report, in addition to not following the requirements of due-process in regards to 15 USC 1666 AND additionally has not verified the alleged debt in the first place pursuant to 15 USC 1692g as previously requested. a copy of this CFPB complaint has also been sent to the Florida Attorney General 's office and the XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33634
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-06
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Card : Goldman Sachs Apple Card- which is both a general purpose credit card ; AND a deferred payment plan for XXXX devices ( 3 XXXX, 1 XXXX ) with no interest charge for 24-36 months. There are two cards for this shared, co-owned ; and are supposed to be available to us both in our XXXX Wallets. ISSUES : ( 1 ) the second co-owner is UNABLE to add his card to his Apple Wallet application, and it has been over 12 weeks since problem was first reported to both XXXX and Goldman Sachs WITHOUT any resolution ; ( 2 ) as customer / consumers we are UNABLE to reach senior technical support management for a regular update from either GS or XXXX ; ( 3 ) we use a XXXX XXXX XXXX for ALL our financial and bank statements ( for mail security ), yet GS will not permit customers to use this legal, legitimate addressing method for our accounts ; ( 4 ) GS will not allow both credit card owners to PREPAY ( make additional early payments ), by XXXX device, that are on monthly ( interest free ) payment plans.
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2022-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A