Date Received: 2022-07-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: I received an online bill for an account I never opened
Company Response:
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Problem when making payments
Subissue:
Consumer Complaint: On XX/XX/2022, I submitted a payment to Apple Card for {$3700.00} to cover XXXX college classes. The classes were cancelled, resulting in a refund to our card. At the time, the card had an approximate balance of {$1100.00} and an installment balance of {$760.00}. I was told by Goldman Sachs representatives that I could request a transfer directly to my checking account for the remainder after the card balance was paid. On XX/XX/2022, the card balance was paid & {$1200.00} was transferred to our bank account. {$760.00} remained as a credit on our card. I was told the installment balance could not be transferred electronically & would be sent by paper check. I never received a check. Multiple, multiple times I was told the money would be sent to me, then told the request was denied. I talked to customer service, supervisors, and managers. Apple Card violated their installment agreement by forcing me to pay the installments off early by holding the refund hostage. Since the card balance was not exactly XXXX, the app would not let me pay anything other than the monthly balance towards my installment. The credit just sat there, unable to be applied & unable to be refunded. All subsequent purchases would then be automatically paid off by the remaining almost {$700.00} credit. Goldman Sachs would not apply the credit to my installment because they said it would violate my installment agreement, but they forced me to pay the balance early by holding my money. I was advised by Goldman management to try closing the card to force the payoff- but closing the card still kept my money in a holding pattern, still making monthly payments for XXXX years. I had a credit line of {$9500.00} before closing & after reopening it dropped to {$6500.00}. I even considered returning the watch to get my money back, but Goldman could not guarantee the refund would not go back on the came card I had closed as a credit. Apple claims they can not help because they do not manage the Apple Card. Goldman Sachs can lie & mislead with zero accountability - every action they take they feel is justified, even after apologizing for what the were putting me through.
Company Response:
State: TN
Zip: 371XX
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Problem with customer service
Subissue:
Consumer Complaint: I took out a loan with XXXX XXXX on XX/XX/2022 to pay off high interest XXXX XXXX XXXX Credit card in the amount of {$4600.00}. XXXX XXXX XXXX card switched to Marcus : by Goldman Sachs XXXX XXXX. The account number ending in XXXX was paid on XX/XX/2022 by XXXX XXXX bank for XXXX XXXX by electronic transfer. Trace # XXXX. Time was XXXX AM. Originator Info : XXXX ID XXXX, Originator Merchant ID : XXXX. Originator Name is XXXX XXXXXXXX XXXX. Telephone # XXXX, Email address XXXX. Merchant name XXXX XXXX, XXXX. Concentrator Name XXXX XXXX XXXX. Email : XXXX.
Company Response:
State: LA
Zip: 706XX
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Using a making frequent payments to my account. Used it out of town and they restricted my account. Have been calling for 2 days and no one can tell me why just to wait for someone to call me.
Company Response:
State: CA
Zip: 92584
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I opened high-yield savings with XXXX XXXX XXXX after the account was opened I attempted to move {$5000.00} out of the account. The bank declined the transfer and locked the account. When I spoke to them I told them " to transfer all my money back to my primary bank '' They said " they would within 1-3 business days '' Since I was locked out of the account I was not able to see the transfer. After 3 days when it had not shown up in my primary bank, I called them back. They then told me " they couldn't transfer the money to the primary account ''. That they would set up a 3-way call in another 1-3 business days with my primary bank. It is just another ploy to keep my money which is none of their business. I want to move the money to another high yield savings with greater interest rates. I can not do anything with the money while XXXX XXXX holds it XXXX. I need the funds released and put back into my primary checking and for XXXX to mind its own business.
Company Response:
State: AR
Zip: 728XX
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Goldman Sachs / Apple credit card, have consistently failed to update my credit file with the 3 major credit bureaus, XXXX. XXXX, XXXX and XXXX. The failure to accurately report the status of my credit on a regular monthly basis is in violation of the Fair Credit Reporting Act and thus a violation of my legal rights. This failure is adversely impacting my credit score and thus my financial health.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
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: This dispute is involving a purchase of XXXX refundable international flights in XX/XX/XXXX with XXXX XXXX for {$5800.00}. I was overcharged {$310.00} for which I was given a credit by my credit card. XXXX weeks before the flight was supposed to leave I called to check on the COVID requirements and the airline informed me my tickets had been cancelled due to a card issue and they would not refund me and I would need to seek resolution from my credit card. Additionally, I have not been able to reach the airline by phone as their call center has been turned off. XX/XX/XXXX I called to request full amount to be disputed to recieve {$5800.00} and was told I would need to withdraw the initial {$310.00} dispute. I was told my card would send me an e-mail to confirm the initial dispute was withdrawn and issue me the credit of {$5800.00} while they investigates- this never happened. My case was also forwarded to customer advocate to call me and they never did. Again I requested for the dispute to be withdrawn on XX/XX/XXXX due to wanting to dispute for the full amount of {$5800.00} instead of the partial amount that was initially requested for {$310.00}. On XX/XX/XXXX the apple agent went ahead and processed the withdrawal request through the " correct way ''. I was told by the credit card representative they had made errors on my account and they we able to see I was wanting to dispute the whole {$5800.00} but it was changed again to {$310.00} and in a pending status. The representative said she never saw something like this and it looked like a technical error. The dispute withdraw verification email was supposed to be received by now or within 3 days and it was not. On XX/XX/XXXX the issue was escalated and a case was opened by a dispute specialist due to the withdraw request not being taken care of. XX/XX/XXXX case escalated again, dispute manager to call within a week and has not.
Company Response:
State: TX
Zip: 75048
Submitted Via: Web
Date Sent: 2022-07-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I had received the alert from my XXXX Credit Report. about the over usage on one of my credit cards for APPLE CARD/GS BANK USA XXXX When I checked, it says that, " Your APPLE CARD/GS BANK USA acount 's Credit Usage significantly increased to 102.0 % with the Credti Card Limit of {$1000.00}. Also, the same account also has the Address Changed information. I was under impression that someone opened up the Credit Card on APPLE CARD/GS BANK USA and later on changed the address. Hence, I called the APPLE CARD/GS BANK USA and XXXX to report the same issue since this Account doesn't belong to my name and I also have't changed my address recently.. The Customer Representative from APPLE CARD/GS BANK USA couldn't find this account under my name but he was further going to investigate about this matter and send out information to XXXX. I was also told by XXXX XXXX Representative to file a complain on Consumer Financial Protection Bureau. Hence, I am filing the same to resolve this matter. It has affected my XXXX Credit Score very badly. Please take the appropriate action in order to resolve this matter and get the resolution as soon as you can. Thank you!!
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2022-07-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Apple Goldman Sachs Madre an agreement for me to pay debt at {$40.00} per month. On XX/XX/XXXX they took out {$520.00} for a payment which they started was a computer error. They did refund me the money... But on the next billing cycle added {$520.00} to my balance owed. I spoke with customer service and they can't explain what happened. My Balance went from XXXX to XXXX. I contested it with no results.
Company Response:
State: NJ
Zip: 08742
Submitted Via: Web
Date Sent: 2022-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: I called XXXX around XX/XX/XXXX XXXX XXXX and attempted to enter into a payment agreement. Per the attached statement they told me that my minimum payment due was {$96.00} and my payment was already reduced. They asked me how much lower I needed the payment. I told them that I could make the payment and asked if that would stop my account from becoming a charge off. They agreed that if I made the {$96.00} payment it would resent my past due amount by XXXX days and help me catch up. On XX/XX/XXXX I was notified that my account has gone past XXXX days and is charged off. The agents incorrectly read the last payment in the amortization schedule as the current amount due when in fact the payment due was {$310.00}. I was given incorrect information by the creditor which lead to the charge off. I also submitted more than XXXX research request and they refused to rectify the situation. I am requesting the charge off be removed from my account, and the payment history of the original loan be removed as well.
Company Response:
State: NJ
Zip: 07047
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A