Date Received: 2022-07-26
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I am XXXX XXXX XXXX, within a provisional state. My spouse has the account, I'm an additional user however they are not willing to give us the XXXX benefits. They're only offering the MLA, I do not want the Military Lending Act. Since I am eligible for SCRA. With my tax state being Ohio, I am a provisional state which I qualify for. Attached is my LES that show Ohio as my tax state, and my XXXX XXXX orders that show XXXX XXXX is my spouse. XXXX Individuals Covered by the SCRA Members of the XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX on XXXX XXXX SCRA protections extend to servicemembers dependents, which generally include spouses, children, or any other individuals for whom the servicemember provided more than one-half of the individuals support for 180 days immediately preceding application for relief under the Act. ( including reserves ordered to XXXX XXXX ). Ohio extends SCRA benefits for debt incurred WHILE XXXX XXXX. This means that any debt incurred after enlistment is subject to the 6 % interest cap. Below is the reference : 7.1. Interest Rate Cap To help ease financial burdens created by active military service, Section 527 of the SCRA extends the 6 % interest cap on all debts, not just those incurred prior to XXXX XXXX. including debts, not just those incurred prior to XXXX XXXX. A creditor must forgive not defer interest greater than six percent per year. See 50 U.S.C. 3937 ( a ) ( 2 ). The creditor must forgive this interest retroactively. See id. at 3937 ( a ) ( 1 ) & ( b ) ( 2 ). The creditor is also prohibited from accelerating the payment of principal in response to a properly made request for a six percent interest rate cap. Id. at 3937 ( a ) ( 3 ).
Company Response:
State: NY
Zip: 13601
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I, XXXX XXXX XXXX XXXX, the federally protected consumer contacted Marcus by Goldman Sachs ( Goldman Sachs Bank ) after receiving a court subpoena from law firm/debt collector XXXX XXXX XXXX XXXX XXXX. pertaining to an alleged debt, supposedly owed to Goldman Sachs Bank. The facts are as stated, I called Marcus by Goldman Sachs on XX/XX/XXXX at XXXX ( phone number ) the entire length of the phone call was XXXX minutes, XXXX seconds in duration and this was due to the time it took to reach the lending department of Marcus by Goldman Sachs. I spoke with lending department representative ( XXXX XXXX ) XXXX whom told me on the recorded call by XXXX by Goldman Sachs that the account ending in XXXX was a charge-off ( canceled debt ), so I asked why did I not receive the IRS form 1099c pertaining to that account being a charge-off/canceled debt required to be sent per the IRS so that I can file it with my tax returns. I was then told that XXXX by Goldman Sachs representative of the lending department that they did not have that form to send to me. My next question was ; Is there a repurchase agreement for the charge-off/canceled debt due to the fact that this law firm/debt collector titled XXXX XXXX XXXX, XXXX. has mailed me court documents alleging the debt owed to Marcus by Goldman Sachs whom they are representing, This was explained by me, the consumer, to the lending department representative who then replied with Goldman Sachs DOES NOT OWN THE ACCOUNT ENDING IN XXXX, the account ending in XXXX was placed with XXXX XXXX XXXX, XXXX. which is Identity Theft and Fraud. I never gave anyone verbal nor written approval, nor did I give anyone authorization for any of my personal information attached to any consumer credit transaction for the alleged account to be placed, given, transferred, sold, or assigned to XXXX XXXX XXXX. XXXX. I even asked the XXXX by Goldman Sachs ; What does " placed '' mean, legally and if she could explain the legal definition of the term. Not only have I received fraudulent court documentation obviously obtained due to Identity Theft, because I never physically signed any documentation where a consumer credit transaction for a loan with XXXX XXXX XXXX, XXXX. with a wet ink signature on it, signed by me, the consumer, XXXX XXXX XXXX XXXX. This is not only Identity Theft/Fraud, this is also Mail Fraud by using the United States Postal Service ( USPS ) and a USPS mail fraud report was submitted as well with United States Postal Inspector ( also suggested to do so by Financial Crimes division police detectives ) since personal and financial information was obtained by this law firm, XXXX XXXX XXXX XXXX XXXX. acting as a debt collector, which also is a violation of the FDCPA which states that a debt collector can not be a law firm and a debt collector ; it has to be either/or but can not be both. This also brings up the IRS Publication XXXX for canceled debts. Once the debt has become a charge-off, it's now considered income. Which means that debtor is now reporting inaccurate because you can not report income on a consumer credit report. As soon as it is a charge-off the consumer is suppose to receive IRS form 1099c to file on their taxes. I never received any 1099c forms from XXXX by Goldman Sachs ( Goldman Sachs Bank ), nor have I received any 1099c forms from the following entities whom both furnished charge-off data to the three credit reporting agencies ( XXXX, XXXX, XXXX ). I did speak to IRS representatives in regard to IRS Publication XXXX pertaining to the steps that companies are suppose to take when a canceled debt/charge-off occurs, and what was stated previously is what was told to me by IRS representatives. The other two entities that have canceled debt/charge-off accounts which are reporting inaccurately on the three consumer credit reports and I've yet to receive the required 1099c form from are as follows ; XXXX XXXX and XXXX XXXX XXXX. Also, recently a court subpoena was mailed by XXXX XXXX XXXX, XXXX. demanding personal bank records for the alleged account ending in XXXX from XXXX XXXX, while I objected by notarized affidavit filed with court and mailed to XXXX XXXX XXXX, XXXX. with this demand due to the strict fact that it violates my federally protected rights via FDCPA as a consumer ; XXXX XXXX XXXX XXXX implicated themselves in this Identity Theft/Fraud being committed by XXXX XXXX XXXX XXXX XXXX. by sending my personal bank records without my verbal consent, without my written consent and never communication with me via phone call nor mail in regards to this demand for my personal bank records which again violates my federal consumer rights outlined by Congress. Once the alleged loan goes into default and is assigned to a debt collector, the effective law changes. The FDCPA is now the law under which action is governed. Once under the conditions of the FDCPA, debt collectors have no legal right to ply the legal remedies owed only to creditors who make loans ( which no bank/financial institutions can lawfully/legally loan money since XXXX ), including notices of default, assignments to servicers, substitutions of trustees, etc. Elements of the FDCPA are very simple and straightforward at setting rules for debt collectors. 1. Consumer is defined in 15 USC 1692 ( a ) ( 3 ) 2. Creditor is defined in 15 USC 1692 ( a ) ( 4 ) - someone who extends credit creating a debt, and does NOT include anyone who receives a debt in default by assignment or transfer for the purpose of collecting on the debt for another ( namely, third party debt collectors, servicers, attorneys ) 3. Debt is defined in 15 USC 1692 ( a ) ( 5 ) - money owed by a consumer of persoanl goods 4. Debt collector is defined in 15 USC 1692 ( a ) ( 6 ) - includes a creditor trying to collect a debt under another name. 5. Legal actions by debt collectors is defined in 15 USC 1692 ( i ). Lastly, the fact is all charge-offs are sold to a securitized trust ( FAS 140 ) and what remains on the transaction is a empty account. For a creditor to have any legal standing they must repurchase the debt. When companies state they DO NOT OWN THE ACCOUNT as I was told by the lending department representative for Marcus by Goldman Sachs whom also could not answer my question of ; does Marcus by Goldman Sachs participate in the Truth in Lending Act, the response was she'd never heard of it, I didn't ask any further questions. They can not collect on what they do not own and still proceed to collect on it, let alone illegally place an account with a third party to attempt to collect via Identity Theft/Fraud and Mail Fraud while utilizing the court systems to do so which is misleading. A FTC Identity Theft Complaint and Affidavit has been attached and notarized and USPS Report number for Mail Fraud is visible as well on the report attached.
Company Response:
State: VA
Zip: 23454
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: on XX/XX/2022 my XXXX rewards card- marcus by goldman sachs card was declined at a gas station. i called to see why and was told it was for non payment of my XXXX bill. my bill has been paid through auto pay from my checking acct since XXXX of XXXX i did not take it off of autopay ( it has since been put back on autopay ), so someone or their system must have taken it off autopay. the girl i talked to waived the {$29.00} fee for not paying my bill, but could not remove the interest of {$24.00}. she said i would have to file a dispute. i filed the dispute on XX/XX/XXXX and got a response on XX/XX/XXXX saying they found no errors and would not remove the interest. on XX/XX/XXXX i filed another dispute over the phone and they responded on XX/XX/XXXX saying they would not remove the interest charge. on XX/XX/XXXX i tried to email the company directly, but they were having web issues and it told me to try again in a couple hours. marcus recently took over the XXXX rewards card this year. i received my first bill with marcus in XXXX
Company Response:
State: WI
Zip: 549XX
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My name is XXXX XXXX and I am submitting this complaint on my own behalf. On XX/XX/2022 Goldman Sachs received documents that I sent them in an effort to validate alleged debts that they claim I owe them, and receipt of these documents is shown via certified mail receipts in the attachment. The documents included a Debt Validation letter. I requested the validation of these debts by Goldman Sachs in accordance with 15 U.S.C 1692g ( b ) and have not been provided the information and documents requested. I sent Goldman Sachs an Affidavit of Truth which they received via certified mail on XX/XX/2022. Goldman Sachs also did not rebut the affidavit and an unrebutted affidavit stands as truth in law. Goldman Sachs also received a notice of fault on XXXX XXXX via certified mail and responded with statements and a contract. Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Court Case, a consumer contract and statements are not sufficient evidence of a debt. GOLDMAN SACHS has not complied with the request for valid proof of debt and were unable to provide the documents demanded.
Company Response:
State: CO
Zip: 80525
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2022 I mailed Apple Card/ GS Bank a certified letter via the USPS , which they received on XX/XX/2022. In the letter ( attached here ) I made Apple Card GS Bank aware that I did NOT agree with the amount of the alleged debt being reported by them to consumer reporting agencies. I requested the documentation showing where the debt originated, how the debt was calculated, and any other documentation that proved their claim is valid. My request are pursuant to 15 usc 1692g ( a ). I still have not received any response from Apple Card GS Bank nor any of the documentation I requested to prove their claim is valid.
Company Response:
State: NC
Zip: 28311
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Goldman Sachs Bank USA has notified me that they closed my Apple Card account as of XX/XX/XXXX for non - repayment of an extension of my own consumer credit, WITHOUT MY WRITTEN, XXXX SIGNATURE requesting for them to do so. Goldman Sachs Bank, USA is causing financial damage to my life and robbing me of happiness that I deserve to have. Goldman Sachs Bank, USA in violation of : 18 USC 892- Making extortionate extensions of credit. 15 USC 1692 ( b ) ( 2 ) - not state that such consumer owes any debt. 18 USC 894 collection of extensions credit by extortionate means. 12 CFR 1026.12 ( e ) ( 1 ) ( 2 ) - Prompt notification of returns and crediting of refunds. 15 usc 1602 - Definitions and rules of construction : ( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. ( m ) The term " accepted credit card '' means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use for the purpose of obtaining money, property, labor, or services on credit. ( n ) The term " cardholder '' means any person to whom a credit card is issued or any person who has agreed with the card issuer to pay obligations arising from the issuance of a credit card to another person. Senate Document No. 43, 73rd Congress The ownership of all property is in the State. Individual so-called ownership is only by the virtue of the government, i.e. law, amounting to mere user, and use must be in accordance with law, and subordinate to the necessities of the state. Congressional Record, March 9th, 1933 on HR 1491, p.83 Under the new law, the money is issued to the banks in return for government obligations, bills-of-exchange, drafts, notes, trade acceptances, and bankers acceptances. The money will be worth 100 cents on the dollar, because it is backed by the credit of the nation. It will represent a mortgage on all the homes, and other property of the people of the nation. Title 18 8. Obligation or other security of the United States defined the term obligation or other security of the United States includes all bonds, certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. As it is a fact that all property in the United States as a result of the XX/XX/XXXX act is under the ownership of the United States, and/or its designee, that the currency is underwritten by US Treasury notes , bills and/or obligations, it is impossible for me to be held liable for government obligations. Goldman Sachs Bank, USA is violating me as the consumer.
Company Response:
State: CA
Zip: 90008
Submitted Via: Web
Date Sent: 2022-07-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/22, XX/XX/22 and XX/XX/22 I purchased 4 {$500.00} Apple gift cards for a total of {$2000.00}. The cards I received were not activated despite the packaging holding the cards being correctly activated. This was confirmed with Apple gift card support. Despite this problem being recognized, Apple gift card support refused to help correct the problem. I was in contact with Apple gift card support over the telephone and email multiple times between XX/XX/22 and XX/XX/22.
Company Response:
State: CA
Zip: 92122
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: With my understanding and research about foreclosures, they are ILLEGAL. This is heir 's property that was passed down to me and my wife i have evidence and of course the courts don't wants this information out. Plus they sold our plus they sold our mortgage without notification.
Company Response:
State: SC
Zip: 29440
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2022, I made a payment of {$2500.00} from my XXXX XXXX XXXX checking account via XXXX XXXXXXXX 's online billpay system, to my Marcus by Goldman Sachs XXXX XXXX. Payment was made referencing my XXXX XXXX credit card #, and in accordance with the instructions from Marcus XXXX XXXX. Funds have never been applied to my Marcus XXXX XXXX. I called Marcus approximately XX/XX/XXXX and they opened a ticket to search for the payment, but they claimed to have never found it. As of XX/XX/XXXX, the funds are still missing.
Company Response:
State: OH
Zip: 45840
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/22 I submitted a payment in full using my credit unions online bill payment service to the XXXX XXXX by Marcus Sachs. The online bill payment system shows that a check was sent to MarcusXXXX XXXX and was scheduled to be paid by XX/XX/22. ( This was the due date on the bill from MarcusXXXX XXXX XXXX On XX/XX/22 the credit card company suspended card usage to my account claiming non payment and assessed a late fee and finance charge to my account. I contacted Marcus/XXXX numerous times to resolve the issue via phone and social media platforms. No one was able to resolve this issue to my satisfaction. MarcusXXXX claims that they could not find the payment in question and continued to restrict credit card usage. The check number, confirmation # and date of transaction were provided to MarcusXXXX on numerous occasions. I do not want this reported on my credit report as a late payment due to malfeasance on the part go MarcusXXXX credit cards.
Company Response:
State: CT
Zip: 06484
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A