Date Received: 2022-07-07
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: XXXX XXXX XXXX was sold to Marcus. I called, and paid the amount in full and instructed them to close the account. They did not close the account and charged a {$2.00} fee. On XX/XX/XXXX they charged another XXXX fee and reported me 60 days late impacting my credit. After a card has been closed, they have no right to arbitrarily keep the account open and keep charging fees for no purpose. XXXX XXXX XXXX, Marcus by Goldman Sachs is scamming card holders.
Company Response:
State: VT
Zip: 057XX
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I am extremely devastated, embarrassed and damaged by the shameless actions and decisions that Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX have made against me and my family. I was discriminated against. I, consumer, beneficiary and natural man was denied an extension of credit when in good faith applied for an extension of credit. I applied to use credit for my personal, family and household use. According to the Equal Credit Opportunity Act it states that it is unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction- because the applicant has in good faith exercised any right under this chapter. Not only a federally protected consumer was discriminated against, this company violated their fiduciary duties as trustee in which I, the beneficiary sent a notice of breach on XXXX in accordance to the uniform commercial code. I receive no adequate consideration as I provided this company with my trust documentation and all XXXX XXXX evidence to conquer that I am claiming what is owed to me. Goldman Sachs Bank USA and Apple 's deceptive business practices has stressed my family and I and has caused us a great deal of mental anguish in which I needed that credit line to move my family out and Goldmans Sachs Banks shameless decision has left us XXXX. I have proof and certified mail receipt to show that I tried to rectify the matter and multiple calls and this company decided that they should act with unclean hands.
Company Response:
State: FL
Zip: 34711
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: My XXXX XXXX XXXX XXXX was transitioned to Marcus Goldman Sachs in early 2022. I received communication from Goldman Sachs indicating that I would be able to continue using my credit card until it expired or until my new card arrived. According to the Marcus Goldman Sachs credit card tracker for locating my new card, it was requested on XX/XX/2022. On XX/XX/2022, I received an email from Goldman Sachs asking me to confirm a charge for {$2700.00} at XXXX XXXX XXXX in XXXX, Michigan. I responded by selecting No, I did not recognize the charge ( because I was in North Carolina where I live and have no reason to spend {$2700.00} on phone repairs ). I called customer service immediately and closed the card. I was told that I would receive a new card in the mail and to no longer use the card in my possession. I called Goldman Sachs, numerous times, sitting on eternal hold and unable to speak to customer support. I engaged in chat feature several times, where the chat person tells me that that card has not been shipped yet, and I should see it in XXXX. Yes, it is only the first week of XXXX, but I requested a new card XX/XX/XXXX, and on XX/XX/XXXX, I needed and verbally requested a new card due to an attempted fraudulent charge. It seems excessive to wait two months for a replacement card and not have an explanation why it has not been sent.
Company Response:
State: NC
Zip: 28411
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
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: On XX/XX/XXXX, My credit card account with apple was compromised and I lost all access to bill pay on the account. In XXXX, Apple reported that I was late on payments erroneously and that I was late on payments ( when i have no correspondence from apple on this ). I requested at this time that apple suspend my card. Now they have continued to accept charges on my card and have reported, again to the credit agencies, that i owe money on this card and was late in may, when my first correspondence was in XXXX on this. Please request that apple take these notes off of my credit report.
Company Response:
State: FL
Zip: 33607
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Other transaction problem
Subissue:
Consumer Complaint: My XXXX mother in XXXX wished to make a XXXX wire of her savings to me. An XXXX XXXX transfer of {$48000.00} was made to my Marcus savings account with Goldman Sachs XXXX code XXXX on XX/XX/2022. I have not seen the funds issued to my account or the seen the transfer rejected. The transferring bank has the proof of acceptance from Goldman Sachs as seen in the attached receipts. Why did Goldman Sachs accept the transfer? Where are the funds now? The transferring bank has tried to reach Goldman Sachs over authenticated XXXX messages and they have not been responded to. Please thoroughly investigate this matter at the earliest as to where the funds have gone. I seek resolution instead of a wall of excuses I have been hitting through customer support. This has been very painful and I have exhausted every legitimate avenue Goldman Sachs has left open for me.
Company Response:
State: WA
Zip: 98199
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Received a Marcus GM card in XXXX. We paid the entire balance XXXX. ( XXXX XX/XX/XXXX ) Did not receive a statement in XXXX, finally called them and were told they were having trouble catching up with new customers, but were told our balance. It was paid in full XX/XX/XXXX. Our next statement had an {$80.00} finance charge, which we called and disputed immediately. On XXXX Marcus agreed to waive that {$80.00}. We paid the entire balance, minus the {$80.00} on XX/XX/XXXX. Our XXXX statement added the {$80.00} back in, plus charged us an additional {$63.00}. We spent many hours on the phone with both a representative and a supervisor ( XXXX XXXX and were told that they were crediting the {$80.00}, but that we had to pay the {$63.00}. No one could tell us what that charge was interest on, just that we had to pay it. We received a follow-up in writing stating that we owed the {$63.00}. After spending more than six hours on the phone with this company, we are done with trying to get satisfaction from them, and are filing complaints with all interested parties.
Company Response:
State: KS
Zip: 66502
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: My phone was stolen on XX/XX/XXXX. XX/XX/XXXX my XXXX account was hacked. I started receiving alerts from XXXX, XXXX XXXX and XXXX all of which I closed down. On Friday XX/XX/XXXX an apple credit card was delivered to my XXXX XXXX address linked to my apple account. I called Goldman Sachs the card issuer immediately. They stated an apple credit card had been opened with a limit of {$8000.00} and already maxed out. The card started being used immediately after opening by digital card- first Attempt XX/XX/27 {$5000.00} at XXXX XXXX declined. 2nd attempt of {$5000.00} successful. XXXX XXXX {$520.00} successful, XXXX {$500.00} successful. XXXX XXXXXXXX XXXX, Im assuming gas, {$75.00} successful ; XXXX {$53.00} Declined, second attempt successful ; XXXX XXXX {$9.00} successful, followed by 3 declined {$25.00}, XXXX XXXX XXXX.00} successful; XXXX XXXX XXXX {$49.00}. They attempted to make a payment of {$5000.00} from my checking and routing account however it was denied because of insufficient funds. I learned of them attempting this by contacting my bank so I shut down this account and opened a new checking. XXXXXXXX XXXX- {$100.00} XXXX XXXX XXXX XXXX {$290.00} successful ; XXXX XXXX XXXX {$1300.00} successful ; attempted payment from my checking account {$1000.00} declined, XXXX {$76.00} declined, attempted payment from checking of {$5000.00} combined. I froze the card on XX/XX/XXXX when The physical card was delivered making me aware of the activity. When I was able to access my XXXX account on XXXX I was able to see all transactions with physical locations and amounts. I also saw multiple screenshots of my personal information from various different places on my XXXX pictures, files, links from emails. Pictures included copies of Drivers license of my mom and self, tax returns for my parents and myself including social security numbers, temporary car insurance card, moms previous debit card numbers, my XXXX login information, my Texas voting card application, my current and previous lease application, a copy of my social security card, and XXXX XXXXoan tax forms. The cards balance is {$8000.00}. The opening and application of this card and all charges placed are the result of fraud and not done by myself.
Company Response:
State: LA
Zip: 70119
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I had a debt with XXXX for {$1200.00} that was charged-off and sent to collections in XXXX. That collections agency told me in XX/XX/XXXX that they didn't expect me to pay and had settled the debt of the charge-off. Marcus Goldman-Sachs bought debt from XXXX in XXXX of XXXX, and despite my debt being settled and continually calling the company, they tell me I have to pay off all of the original debt, the late fees, and the interest, and continue to charge me anyways.
Company Response:
State: IA
Zip: 520XX
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: some XXXX open several saving accounts in my name.they had my full name, address, phone number, and social security number.call company, XXXX, had them to close all XXXX accounts. we ask them to send to us paper work concerning this matter. i have not receive any papers yet.
Company Response:
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-02
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-06-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had a horrible experience with Marcus customer service when I tried to perform an outbound ACH transfer to a linked external bank from my Marcus savings account ending in XXXX on XX/XX/XXXX and XXXX. Marcus Bank held my money for two days due to no fault of my own. The lack of knowledge and training exhibited by the customer service representatives were very concerning. Most of the agents just keep repeating the same thing over and over as if they are reading from a script. They do not seem to be capable of dealing with issues which they are not familiar with. I wasted many hours on the phone with multiple agents and suffered financial damages and wasted many huors of my time. Below is a timeline of events. XX/XX/XXXX XXXX - Spoke with a supervisor who helped me submit an outbound ACH transfer request to a linked external bank account and was told someone will call me soon for PIN verification. XXXX - Called Marcus because I did not receive a PIN call and was told to keep waiting. XXXX - called customer service again and was told someone will call me for the PIN and told me to keep waiting. XXXX - called customer service again since no PIN call was received and was told to call back the next day. XX/XX/XXXX XXXX - My Marcus account was frozen and I was not able to log in, so I called customer service and was connected with someone in the fraud department who wanted to setup a three way call with the external bank to verify my account ownership at the external bank. he put me onhold to call the external bank. then he tells me the agent at the externalbank told him they do not do third party verifications and he removed the linked bank account from my profile. I later called the external bank and was told the bank does allow third party verification but they were suspicious of him and they refused to give out any customer information to him. XXXX - Called customer service and spoke with a supervisor who helped me submit an outbound wire transfer request to the same external bank account and was told someone will call me soon for PIN verification. XXXX - No PIN call was received and I did not want to wait for the PIN call which might never happen so I called customer service again. Finally I spoke with a supervisor named XXXX who was very knowledgeable about the issue and helped me complete the PIN call and connected me with someone from the fraud department who setup a three way call with the external bank and verified my account ownership. The wire transfer was completed the next day.
Company Response:
State: NC
Zip: 28227
Submitted Via: Web
Date Sent: 2022-06-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A