Date Received: 2023-12-12
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/XXXX, I was traveling in XXXX, XXXX, as part of my vacation. XXXX aka scopolamine is an infamously potent drug that's used to rob people and can be administered in a number of ways, including in someone's drink. It's odorless and tasteless, but the real devastation is that it wipes your memory and renders you highly suggestible to anyone, including your assailants. Things like ATM pin numbers are freely given over ; victims have been known to assist their captors with removing furniture and belongings from their home, etc. It can be read more about here : https : XXXX On XX/XX/XXXX after checking my Apple Card balance, I saw that it was significantly higher than it should have been it showed 3 massive charges that I had no memory of making : XX/XX/XXXX {$1200.00} to Bold Club ( Bold is XXXX 's version of Square to XXXX payments on mobile ) XX/XX/XXXX {$630.00} Inversiones XXXX XXXX XX/XX/XXXX {$800.00} The transactions were made between XXXX A.M. and XXXX A.M. Not even aware that I had " missing '' time from my memory, I retraced my steps from the night of XXXX XX/XX/XXXX using the memory I did have, as well as geo-tagging on my XXXX, XXXX XXXX XXXX etc. I was with XXXX men who I had met at a club as they told me they were the owners and had a VIP section. Given that I was traveling alone, havinXXXX two XXXX men who were in a position of authority and invited me in felt like I would be safer. They were receiving free drinks and offered me some. We went to 2-3 more destinations together with them and some of their friends, and at some point during all of this the scopolamine was administered to me. On the XXXX once I realized I'd been robbed, I immediately told the manager of the hostel where I was staying. He had also been " scoped '' as they call it last year. He heard my entire story and said when I had arrived home the morning prior I was disoriented and agitated. An employee of the hostel accompanied me to the police station where I filed a police report. That report was then mailed via XXXX to Goldman Sachs, which apparently only accepts snail mail via their XXXX XXXX XXXX XXXX, which XXXX can't deliver to ( and there's no XXXX in XXXX ). Consequently I had to have the package diverted to my mom 's in California, where she could open the report and send it by XXXX to Goldman Sachs. This was sent Priority Certified on XX/XX/XXXX. The police concluded I was likely given burundanga, given that my symptoms were exactly how the drug affects people, the high rate of its use, the area I was in XXXX XXXX T ) which is known for tourism and therefore targeting tourists, and the huge amounts of the transactions which far exceed the cost of almost anything in XXXX ( for perspective, a month 's rent at my apartment in XXXX is {$290.00} ; so nearly {$2800.00} is an insane amount for XXXX. I also noticed on XX/XX/XXXX that I seemed to have a welt on my upper left forehead, as though I had been hit there. On XX/XX/XXXX I received 3 notifications ( one for each transaction ) in my email that Goldman Sachs/Apple XXXX XXXX XXXX my disputes, and they were denied because I " authorized '' transactions, with no recognition of the fact that I was under duress and drugged. I was shocked, saddened, and angry. It felt like I was being robbed all over again. To undergo a traumatic experience like that, only to be told that " we don't believe you '' and to have that money taken again is a terrible feeling. I called the Apple Card Specialist number listed in the email I received and spoke to a woman for something like XXXX minutes. She couldn't even tell me whether Goldman Sachs had bothered to read the police report given that it was obviously written by the officers in XXXX. This money is a huge amount to me. I can't afford to lose it. There is article after article out there about this drug and the toll it takes on people ( some are overdosed and end up XXXX ). I've met many people who've been scoped, and I really hope these charges are reversed so that I can start to heal from the trauma of this incident. Thank you for your time.
Company Response:
State: CA
Zip: 94582
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I am locked out of my account. I called over a week ago and was on hold with the rep for over an hour. He kept referring to " my case ''. Then he mumbled something about my banking with another bank. I told him that I did not bank with the bank he quoteds. Then he tried to verify my identity. The phone number on my Marcus account is outdated and I gave the rep my current phone number. He tried to send me a text for verification and it failed. I asked to speak to a supervisor. He could never get access to a supervisor. After an hour on the phone, he told me someone would call me within the week. No one has called. Today I went thru the same scenario with XXXX who finally transferred me to his supervisor XXXX, who put me on hold for XXXX minutes. Her final solution was to send me an affidavit via snail mail to verify my identification or close my account and mail a check to the address on record! I chose the latter. I planned to close my account after this hullabaloo! My money, {$160000.00} has been inaccessible for over a week. How can this be? Sucky customer service and poorly trained personnel!
Company Response:
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Managing an account
Subissue: Problem with fees or penalties
Consumer Complaint: Marcus did not have proper cyber security tools, practices, controls and operations in place because Marcus allowed my two Marcus Certificates of Deposit ( CDs ) to be drained ( {$100000.00} ) and Marcus closed my two Marcus CDs in XX/XX/2023 and REFUSED TO PAY ME THE INTEREST these CDs would earn had they not been BREACHED. MARCUS also made me pay the PENALTY for the CDs closing EVEN THOUGH MARCUS allowed the breach to occur. I want the penalty REMOVED and I want XXXX and XXXX interest earned on the two CDs. Thank you.
Company Response:
State: FL
Zip: 32940
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Goldman Sachs XXXX closed my CD account without any notice to me and sent the account balance in check format to the wrong address. They have refused to send out a new check to my current address until the previous check expires in 90 days.
Company Response:
State: NY
Zip: 10003
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My name is XXXX XXXX XXXX XXXX, and I am writing to bring to your attention certain discrepancies and concerns regarding the information reported on my credit file. I believe that certain entries may not be certifiably compliant, proven valid, or adequately documented as fully true and physically verified. To assist you in addressing this matter promptly, I would like to provide you with specific details related to my account : Full Name : XXXX XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Birthdate : XX/XX/1994 FTC Report Number : XXXX Upon reviewing my credit report, I have identified potentially duplicative and unquestionably dubious entries that lack the necessary authorization or approval from me as the individual concerned. As a conscientious consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I wish to exercise those rights by formally requesting the removal of these questionable entries as soon as possible. Under federal and state consumer and civil rights statutes, I am entitled to dispute and challenge any information on my credit report that is not in compliance with FACTA Title 1 Section 151. This particular section unambiguously mandates a specific modus operandi for reporting, and I seek your cooperation in ensuring that the reported items adhere to these legal standards. I understand the importance of accurate and fair reporting, and as a responsible consumer, I am committed to ensuring the integrity of my credit information. I kindly request that GOLDMAN SACHS BANK USA conduct a thorough review of my account, validate the accuracy of the disputed entries, and take appropriate action to rectify any discrepancies. To facilitate this process, I have attached a copy of the FTC report related to this complaint for your reference. I appreciate your prompt attention to this matter and your cooperation in resolving these concerns within the framework of the Fair Credit Reporting Act. I trust that GOLDMAN SACHS BANK USA will conduct a comprehensive investigation and make the necessary corrections to ensure the accuracy and compliance of the information on my credit file.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I closed a CD account with Marcus by Goldman Sachs on XX/XX/2023, and asked for the funds to be sent to me via check. The check was lost during delivery and I immediately placed a ticket XXXX weeks after I was supposed to receive it. XXXX 's resolution was that I needed to wait for the original check to expire before they could send a replacement note. When the check expired XX/XX/XXXX, I reached out to verify it will be sent. They said it will take XXXX weeks for a new check to be issued, so I asked for it to be wired to me via XXXX with an existing external account. They had to open a new Marcus account for me in order to make that transfer. During this time ( XXXX XXXX XXXX ), I called every three days to check on whether the funds will appear back on my dashboard. They responded each time that it will in 2-3 business days. Since then, this new account was never funded ( XXXX business days after creation ). I am still waiting for all of my funds which they owe. This money also lost a lot of interest opportunity due to this XXXX month delay.
Company Response:
State: MA
Zip: 02144
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
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 was charged {$470.00} on my GM Rewards Card with Goldman Sachs. It was an unauthorized and fraudulent charge. I have been trying to resolve the dispute with Goldman for a year and a half at this point and they are still forcing me to pay a fraudulent charge. The merchant is listed as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX. I would like this investigated and resolved. Goldman has refused to help me, is making me pay a charge that I didnt authorize. All I want as a consumer is to not be forced to pay for a charge I didnt authorize. Theyve asked me for evidence to prove this is a fraudulent charge. I have never been asked for such evidence by a credit card company. How am I supposed to provide evidence for a charge I didnt authorize? Goldman has made me go on a wild goose chase for XXXX years. I want it to stop and I want the credit card issuer to cover this fraudulent charge, which I didnt authorize. If a credit card company refuses to cover fraudulent charges of its consumers, it shouldnt be in the credit card business
Company Response:
State: NM
Zip: 871XX
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Getting a line of credit
Subissue:
Consumer Complaint: -I have a line of credit with Goldman Sachs Bank USA . -I initiated a draw but it was denied. -It was rejected and I was told the reason is " Level of delinquency on accounts for one or more guarantors '' -I requested on where to get a credit report to show what is delinquent, as I have checked my credit and do not show any negative marks. -Goldman Sachs then said to reach out to XXXX XXXX XXXX -I requested the business credit report from XXXX XXXX XXXX However it was not sent and I was told " Currently a business credit report is sent only to companies whose files have been accessed by XXXX XXXX XXXX XXXX members. However, we are unable to determine that a report for the company noted in your request has recently been generated for review. '' -I was denied a draw on my line of credit but they have not provided me a specific reason ( s ) for denying your credit application. -Goldman Sachs has not given me my credit score and the credit reporting agencies that provided the information. -Goldman Sachs has not provided me free copy of your credit report from each of the credit reporting agencies.
Company Response:
State: PA
Zip: 193XX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: Marcus by Goldman sold their loan portfolio to XXXX XXXX XXXX in 2023. This included my personal loan which never had any repayment issues and was actually ahead of repayment schedule. Original Amount XXXX, current balance < XXXX. I was never contacted by MARCUS to advise they'd be selling my Social Security Number, Date of Birth, Mailing Address, Employment History and personal banking information to a Third Party with a background in Debt Collection ; I want no association with such a lender as I maintain XXXX - XXXX XXXX Scores across multiple agencies and would see business with XXXX as negative information on my reports due to association with a known debt relief/credit repair/credit collection firm. All I want to do is payoff MARCUS and not have any financial connection to XXXX XXXX XXXX, as I do not appreciate their business model and I never requested their service ( s ). MARCUS never notified me, their customer, and did not protect my PII from a 3rd party with an unsecure website. Just waiting to be scammed from this.
Company Response:
State: MP
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello Today is XX/XX/23 and this IS NOT A DUPLICATE. This is a complaint regarding Apple Card and their reporting on my XXXX credit report as there is yet another inaccurate reporting that has cause me hardship. I submitted a complaint before to no avail and now I am asking the CFPB to step and and hold GS-Apple Card accountable for their failure to accurately report information on a consumers report per 15 USC 1681a . This is the second time my score has decreased by more than 70 points. This is not only causing me stress but the inaccuracies are affecting my dealings in commerce. Lastly its my understanding that GS Apple Card has an arbitration agreement and that agreement was not followed during the closing of the accounts. Lastly I XXXX XXXX am technically an investor with Apple Card as I am that my application, transactions, and other deposits of this account was being utilized with benefit to me the beneficiary XXXX XXXX : XXXX
Company Response:
State: DC
Zip: 20001
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A