Date Received: 2022-06-21
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: Explicitly instructed card not to allow specific merchant not to make any charges on my account after writing to merchant and cancelling their services. Card continued to allow the merchant to charge my account even after providing them with written copy of the cancellation. I made a complaint to the XXXX, and the merchants Vp even said charges would be reversed yet this past Saturday and Tuesday morning XX/XX/21 the disputed charges are now showing up on my cc account again. I even fully paid off the credit card account and closed it a few months ago to ensure no future unauthorized charges got pushed through in the future and now those disputed charges from the merchant are showing back up on my statement even though the card is closed.
Company Response:
State: FL
Zip: 34231
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-21
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I applied for and was given an Apple Card from Goldman Sachs. Upon trying to use the card, I was informed that I could not use the card unless I had an XXXX, which I don't. My understanding is that a service provider can not force a user to subscribe to one service as a condition of receiving another service. As such, I believe that Apple and Goldman Sachs should have their practices adjusted and rectified. Thank you.
Company Response:
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-21
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/XXXX, I called Marcus customer service to ask to change my due date. I was told I should escalate my concern to a supervisor. I did so and the supervisor said my request would be put in manually and I would receive a call back as they were still transitioning and were having multiple issues. For almost two weeks, I did not receive a call back. I call again on XX/XX/XXXX. The agent could not find this request but found a complaint. I asked to be transferred to a supervisor and my request was not initially honored. Thus, I was forced to repeat myself multiple times for a supervisor- which was unfairly tough on me as I have a XXXX XXXX that was illegally aggravated here by Marcus. When I was transferred to a supervisor, the supervisor proceeded to defend the first agents blatant misconduct by saying that the answer was clear. I said it was not clear when on XX/XX/XXXX I was asked to escalate this issue and I was told I was going to get a call back. She told me that the complaint was closed stating I asked this question multiple times and got the same answer, which was clearly a false and fraudulent entry because I was asked to escalate the call on XX/XX/XXXX and I was told Id receive a call back and I was sympathetic at the time to the operational issues. However, because I was being blatantly XXXX now by this supervisor, I told her I felt I was being XXXX discriminated against by being so openly lied to and disrespected by having my integrity questioned. A Marcus employee intentionally lied on a written document saying I had gotten the same answer multiple times, when I had in fact not gotten the same answer. Then, disgustingly and despicably, I was literally ordered by this supervisor to stop making this allegation as if I were some type of animal who could be ordered like that. She said this after I told her I was going to complain to the CFPB. She seemed to be intending to criminally obstruct my complaint and subsequent federal regulatory investigation by this illegal and outrageous order. Perhaps, she was not intending to intentionally be XXXX with her offensive order - but rather was just going rogue because she was being lazy and did not want to research the truth into what was actually said to me on XX/XX/XXXX.
Company Response:
State: NC
Zip: 28208
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-20
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Have filled multiple disputes with the credit bureaus and all say the information in the account is accurate. I have called Apple myself to verify if an account is under my name and have denied an account existence along the line of my dob, ssn, address, email addresses. I still see the Apple credit card is still being used.
Company Response:
State: AZ
Zip: 85035
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: 2022-06-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had a credit card through XXXX XXXX Credit Card through XXXX XXXX opened XX/XX/2019 which was purchased by Goldman Sachs this year. I had payments set on autopay and was never late. When the acquisition occurred it was not communicated to me by mail or email and the autopayments were shut off. I received a notice that a payment was past due from this company I never opened an account with an had never done business with. Confused, I called them and they told us they acquired my XXXX XXXX XXXX Credit card and they didn't keep my autopay active, I immediately asked if this would affect my credit, they assured me it was not as it was a result of the acquisition and many customers had the same issue. I set up autopay and made a payment the following month they didn't process the auto pay and we went through the same process of waiting on hold for 45+ minutes so I just paid the balance in full of more than {$4000.00} on XX/XX/XXXX to avoid dealing with the incompetence. Then, they reported me late and my credit score dropped by XXXX points as a result of their false report. I have never had a late payment on this account or ANY account in the last XXXX YEARS of my life. I am BEYOND frustrated with this company, its 45 minute hold time, violations of federal law in both communications, payment and managing acquired customer accounts. This business had legal obligations to communicate with its acquired customers regarding automatic payments and it failed to do so. This business falsely reported a late payment adversely affecting my account in violation of the FCRA
Company Response:
State: IN
Zip: 470XX
Submitted Via: Web
Date Sent: 2022-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I applied for a Goldman Sachs Apple credit card, but I can't see my card number when I log in to my online account. I called Goldman Sachs customer service and he said that I need an XXXX to see it. I said I don't have an XXXX, I only have XXXX XXXX computer, can I get a physical credit card, customer service told me to go to a local apple retail store, the clerk would give me a physical credit card, and the next day I went to the apple store, the clerk said he didn't know about it, asked me to go back and call the credit card customer service again, I called the credit card customer service again, they said that I can only apply for a physical card by myself using the XXXX, there is no other way
Company Response:
State: NV
Zip: 89169
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Following up to Complaint XXXX I submitted a complaint on XX/XX/2022 on CFPB to Goldman Sachs Bank . I explained my situation as I am a victim of Identify Theft. I had requested that Goldman Sachs Bank provide me with the original loan application with wet signature so I can provide to law enforcement. Goldman Sachs failed to provide me with the original loan application as there was no hard application. Goldman Sachs narrated how the loan was taken out in my name as an online application. Goldman Sachs explained that they verified my information toward what was on their system but did not provide me with the information on their system that was used to apply for the fraudulent loan. Again this trade line was open fraudulently due to ID Theft.
Company Response:
State: AZ
Zip: 85750
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Please forgive me for the frustration and puzzelement in dealing with issues related to credit card industry, lately. This is my brief story : For the first time - on XX/XX/2022- I decided to use Apple Card for buying XXXX from XXXX XXXX. For legitimate reason the merchandise was returned and full refund was issued timely to the creditor. At this stage, the matter should have been closed-like any other transaction with my other credit cards. Unexpectedly, Apple Card sees this proceeding differently and began demanding campaign for extraneous payment of {$38.00}. As a responsible consumer, I repeatedly asked to explain the reason for the required payment. Unfortunately, no satisfied response was received ( please examine exhibit 1 & 2 ). On XX/XX/2022 I have been notified by my bank that my account is reported as delinquent and that my credit score dropped XXXX points from XXXX ( please examine exhibit 3 & 4 ). That would make a deliberate tangible difference in the quality of my family lives. Should anybody care about how disable senior citizens manage the authoritarian unethical means these creditors are applying at their customers with recklessness and impunity? I believe that FTC cares! I believe Apple Card is violating its supposed compliance with credit practices normally applied. While checking my emails I inadvertently saw a misleading ad claimed by the creditor : Pay No Fees. Ever. Terms apply ( please see exhibit 5 ). In my case Apple Card has never said the origin of the demanded {$38.00} nor I have signed/agreed about anything alluding to that figure. Is this a ransom? Please help me understand whats going on, as Im at loss .The threat scheme posed to consumers by creditor practices remains real and should be abated.
Company Response:
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: The MARCUS Application on my XXXX was showing an incorrect balance and added CD 's to my balance that were already closed ... .I only found out because I was going to close the CD 's and the application said there were " technical difficulties ''. I called MARCUS and spoke to a supervisor. His computer showed a different balance than my XXXX app... .a very significant difference! Also, his computer showed 2 CD 's had been closed in XX/XX/2022 ... .but this did not show up on my MARCUS XXXX app. He suggested originally suggested I delete the application then re-load it ... .but I did not ... .I just don't understand why I can sign in and log out of the MARCUS XXXX app and get entirely different accounting from what MARCUS has !
Company Response:
State: FL
Zip: 33705
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2022, I sent Goldman Sachs Bank a request to validate an alleged debt that is not mine. The Apple Card account balance was showing {$1500.00} and I requested validation per the FDCPA laws and received no response from Goldman Sachs.
Company Response:
State: FL
Zip: 33634
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A