Date Received: 2022-08-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I received a large refund to my Apple Card ( issued by Goldman Sachs ). I requested a refund of this money on XX/XX/XXXX, but was told to wait till the end of the month ( greater than the 7 days allowed for a credit balance ). I reached out on XX/XX/XXXX as this did not occur. I understand however that this is due me having a parallel balance ( an installment balance that is applied on a monthly basis on my account, but Goldman reflects the total installment balance as what is owed to XXXX to the credit agencies, and my available credit is reduced by this amount ). Apple/Goldman offer no way to apply my credit balance towards this installment balance and offered to keep the credit balance on my card for as many months as it takes to pay down my installment balance. I requested a refund to do so myself given this inability and was told this was not possible.
Company Response:
State: IL
Zip: 614XX
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: i have called Apple Card over 8 times trying to resolve this matter. I even was about to start a Lawsuit against them but was told try this first I have a police report this is going to be attached about this account why its not mines.
Company Response:
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: i have called Apple Card over 8 times trying to resolve this matter. I even was about to start a Lawsuit against them but was told try this first I have a police report this is going to be attached about this account why its not mines.
Company Response:
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for the Apple Card twice with Goldman Sachs and received an adverse action letter dated XX/XX/XXXX and XX/XX/XXXX. I called Goldman Sachs today, XX/XX/XXXX, and spoke with XXXX, XXXX and XXXX. XXXX is the XXXX for Customer Relations. I asked all 3 representatives to let me know what laws and procedures were followed in order to come to the determination of my application and they all stated they didn't know exactly so they all stated that the decision was based off of what was in my " credit report. '' I then asked her to provide me with the subsection that was used so that I can study it for myself. I also asked for them to provide me with the law that says I have to abide by the credit score/information that they choose to use or that the transaction even needed to be reported. She did not have an answer so I told her that the CFPB states credit reporting is OPTIONAL. XXXX and XXXX, both supervisors, stated that they can not overturn any decisions. I then asked XXXX all of the same questions that I asked before. XXXX then said Goldman Sachs has the right to approve or deny any application and I can apply again form redetermination based off my credit. I told her that he can not deny me my right to credit then I directed him to 15 usc 1602f and 15 usc 1602p. I told them that I can't be discriminated against for exercising my rights and they already used my credit card twice with no benefit to me. XXXX, XXXX and XXXX were acting as an authorized reps for Goldman Sachs and they, along with Goldman Sachs are now held liable for discriminating against me. XXXX stated that she would escalate this further and I advised her that Im escalating this myself as well.
Company Response:
State: CA
Zip: 95661
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2022 I changed my credit card number on my Apple Card due to a subscription I no longer wanted. I contacted the merchant asking that the cancel my subscription. They refused. The only option i had was to change the number on my card, hoping that would stop the merchant from charging my card. XXXX, XXXX, XXXX, the merchant, The XXXX XXXX, charged my card without my authorization. After I requested in writing that I wanted my subscription canceled and they refused to cancel my subscription and continued to charge my card. That is fraud. I spoke to XXXX, and XXXX, supervisor, who gave me very incorrect information when I asked HOW my card was still charge after i changed my card number? They wrongfully told me that Mastercard will give a merchant your card number if the merchant asks for it. And that is the only way the merchant was still able to charge my card after getting a new card number. I said, Ive never heard anything like that. I called Mastercard and spoke to a rep by the name of XXXX. She told me that XXXX does not have access to our card numbers and they do not give out card numbers. Furthermore, Mastercard does not have the authorization to just give out your card number to ANYONE asking as that would definitely contribute to Identity Theft. I had to call several times about this serious issue but was made to feel as though it was not that big of a deal. Another rep, XXXX, assisted by cancelling my card which was a step higher than just changing the card number. She also had me to remove the card from my wallet and reattach the card. She said this will stop the merchant from charging my card in the future. Ive attached an email from the merchant/network owner that instructs subscribers to email her if we want to cancel our subscription any time. I also attached my email, telling her to cancel my subscription. I attached a screenshot from Mastercards website that directs consumers to IMMEDIATELY contact our bank if we believe we have experienced fraud.
Company Response:
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have a Savings Account with Marcus by Goldman. I am withdrawing only {$5500.00}. This criminal outfit Marcus by Goldman.blocked my transfer and blocked my saving account without no cause - causing significant signifcant problems. it is my money- not this criminal outfit 's money. Furthermore, criminal outfit Marcus by Goldman countiunes to discriminate and harass me.
Company Response:
State: CA
Zip: 92887
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Hi CFPB, I am having a large issue with my Apple Credit Card. I have had the card roughly a year. I have, and have always used, the full auto payment feature of the card. Each month I get statements. I have XXXX problems of varying severity : 1. If you add up the new charges on the statements, they do not add up to the amount they say it does 2. if you add up the online transactions they also do not match the statement amount 3. they say I am revolving a $ XXXX balance month to month but I am on full auto pay and can confirm each month it is set to pay the full balance. Even after a month of paying the full balance, they charge me another $ XXXX. It doesnt make any sense. 4. when I texted them about it, they admitted it was broken, forwarded me to a manager and then the manager said that it is what it is. When I called about it they just hung up on me. Something is wrong. I am a very kind and polite person and this doesn't make any sense. I never was rude or yelled or was expressing my frustration I don't understand why they are treating me this way. something is seriously wrong with the apple credit card accounting and I am worried it is costing me hundreds of dollars because of their bug, and nobody in the support teams, not managers, not front line has any answer for it. I have more documentation I can upload but it says it has a XXXX limit, happy to upload any and all data : including statements, screenshots, call logs with support, text logs with support. I reached out to XXXX XXXX times across chat and phone, each time resulting in either " it is what it is '' or just straight up hanging up on me. which is odd bc nobody was rude, usually if people hang up on you they are rude to you, they just say oh ok I see your statements, then hang up. something is wrong here.
Company Response:
State: HI
Zip: 967XX
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I signed up for XXXX credit card, first month bill was XXXX XXXX On XX/XX/2022 I did setup Autopay and on the same day I also paid Previous month balance manually. Again on XX/XX/XXXX same money XXXX $ was withdrawn from my bank, probably by autopay. Since payment was done twice, I was expecting it to be settled in next month statement. Next month and subsequent following months since XX/XX/2022 did not settle any money that was taken twice from my account, rather just received monthly balances in those months that I have been paying within due dates. I reported dispute with XXXXGoldman Sachs customer care via chat -phone on XXXX XXXX, XXXX They assured to resolve dispute and issue refund, initially I was told within 30 days and later they told it takes 90 days. I have all communications on my phone. My bank was charged twice for the payment in XXXX for the amount of XXXX on XXXX XXXX ( I paid one time ) then on XX/XX/XXXX or so by auto payI dont see that amount XXXX paid extra adjusted in following months statementsso filed dispute on XXXX XXXX Im yet to get back my money and today Apple/GS customer care executive on chat is saying resolution was done on XXXX.
Company Response:
State: NJ
Zip: 07305
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-30
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I transfer funds between my savings account to another bank I have a checking account with. I've done this manually for months. On Friday, XX/XX/2022, I transferred my funds as normal and received confirmation the funds were sent. Around noon, I received a call from Marcus Savings / Goldman Sachs with the agent saying to call back. I got emails saying my account needed attention. When I called I was told my already verified external account had to be verified with the bank on a 3 way call and the funds were actually not transferred as confirmed by email. It's deceptive and putting me at risk.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2022-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This is to get resolved on transferring my available funds in my savings acct. at Goldmans Sacks Bank USA, website by marcus.com. I have my this savings acct. for more than 10 years. For last 3~4 weeks, I tried to do online transfer of my available money at my sav. acct in Goldmans Sacks Bank USA, website by marcus.com, to other financial institutes with better saving rate or investment options due to ongoing higher inflation. I was able to log in my acct. at marcus.com each time, but keep getting the error mesg. 'website has technical problem, come back later ', my online transfer can't go through. I called their customer support at XXXX yesterday to resolve the freeze of my acct. The 1st representative verified my identity by verifying my secret pass code, I asked the representative to un-freeze my acct and let me transfer my available money in this acct. She refused and instead transfer me to another representative. The 2nd representative spent ~ one hour on the phone, making excuse of verifying my identity., asking me my family infor., instead asking me the standard security questions, as all other banks do, my current address, places I had lived, etc. At the end, the 2nd representative refused to un-freeze my acct. And told me I need to send additional proof to them. This is the worst nightmare as a bank customer I ever have. I have this acct for more than 10 years and it worked ok until~ 4 weeks ago to transfer in and out my available money in my acct. Also, other smaller banks online offering better saving rate usually help me over the phone to transfer my money in a few minutes. Also, I received Transfer Failure Notice from my other local bank, XXXX, here, shown below : ' On XX/XX/2022, you initiated deposit verification for your account : Goldman Sachs Bank USA, XXXX, Savings # # # # # # # # '
Company Response:
State: WA
Zip: 98275
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A