Date Received: 2022-06-05
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: APPLE CARD MARKETING SCAM. Apple Card XXXX ( i.e. Goldman Sachs ) has incorrectly advertised how Apple Store Installments are utilized within your Apple Card balance & all payments that you make towards your " installment '' product purchases will NOT go towards the balance of the installments- but rather, Apple creates a fake " credit '' on your account - therefor keeping the balance high on your card. Also... Goldman Sachs & Apple are NOT the same team. They don't talk to each other and look at completely different systems in troubleshooting any issues you may have with your " Apple '' Card. Apple Card 's whole marketing lure is that if you apply for the Apple Card you'll qualify for 12 or 24 month 0 % Interest. However, what they don't tell you is that when the purchase is made within an XXXX XXXX, the XXXX XXXX Employee MUST choose installments before finalizing the purchase... otherwise, the product won't qualify for the 12 or 24 month 0 % interest program. Most employees, store managers and even Apple Card remote representatives are unaware of this purchase qualifying process. So if you're like me, you have {$9000.00} in purchases that were incorrectly allocated- and re-allocating them into a 0 % interest program is virtually impossible. Now ... when the purchase is finalized, there is no way within the XXXX XXXX to go back and re-allocate the product into a 0 % installment plan. How do I know this? Because Apple 's " backend team '' has been trying to re-purchase my product virtually to re-allocate the XXXX XXXX I purchased with my Apple Card into a 0 % installment plan. But because Apple doesn't speak with Goldman Sachs, it's flagging Goldman Sachs Fraud Department. So now Goldman Sachs has locked my card preventing any other product purchases because of what APPLE is doing. Now for the worst part... If you have any products allocated as " installment plan '' purchases with Apple ( i.e. XXXX XXXX for 24 Months 0 % Interest ), any future payments you make WILL NOT go towards the balance of the Installments. Apple ( or Goldman Sachs ) has decided that you'll get a " credit '' on your Credit Card. Basically, no matter how much you pay towards the balance of your credit card, it will not bring the balance of the card down. This keeps a high balance on your " credit card '' and reports as such to all the bureau 's as such. Conveniently, Apple doesn't report the " credit '' they've placed on your card to the bureau 's - therefor greatly affecting your credit worthiness.
Company Response:
State: CA
Zip: 94559
Submitted Via: Web
Date Sent: 2022-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-04
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have an apple credit card that I never use. I was alerted on XX/XX/XXXX from my fraud protection company that I was delinquent on my account. I checked the card and saw small charges that I never authorized. The charges are listed as followed ; XX/XX/XXXX. {$.00}. XX/XX/XXXX. {$5.00}. XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX XXXX Interest fee. XX/XX/XXXX. XXXX XXXX Interest fee. XX/XX/XXXX. XXXX XXXX Interest fee. I contacted Goldman Sachs/Apple on several occasions and they gave me the run around. Several managers said they would credit back my account for the {$8.00} and would have it removed off my credit with the bureaus. I have not used this card since I got it and did not authorize any transaction. I never received any notification of past due by email, text or postal mail. Today they notified me that they would not take the charges off that they believe they are accurate. They can see from my history on this card I never have used it. Why would I allow {$8.00} to ruin my credit?
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XXXX XXXX XXXX I called the banks and told them that these accounts were opened fraudulently. I never applied. it's fraud. Goldman SACHS / XXXX credit card Goldman SACHS XXXX credit card XXXX ACCOUNT XXXX XXXX credit card XXXX XXXX credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card XXXX XXXX XXXX XXXX credit card XXXX XXXX XXXX XXXX credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 92504
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My XXXX XXXX acct was just transferred to Marcus by Goldman Sachs. NO WHERE on my account is my interest rate, my available credit, nor how payments are being applied. It has virtually zero information that is required to be accessible to consumers. They are not above the law just because they're Goldman Sachs, they must have this information EASILY accessible and transparent to their customers.
Company Response:
State: OH
Zip: 44134
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: During rst week of XX/XX/2022, I was planning to take advantage of the current automotive market condition and sell or trade in my vehicle to purchase a new 2022 vehicle. I called my banks and credit unions to see what the current rates are and to get information of obtaining a pre-approval. I was told that my rates would me higher due to my credit le. I pulled my XXXX, XXXX, and XXXX credit les and found that someone has been using my identity to obtain credit from several creditors. These creditors include Goldman Sachs Bank ( {$20000.00} ). I have filed an Identity Theft Affidavit.
Company Response:
State: AZ
Zip: 85750
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: On XX/XX/2022 I sent out a Debt validation letter as well as a Cease and Desist letter by certified mail stating I XXXX XXXX XXXX, consumer, and natural person am aware of all rights that I have and which are protected by Congress under the Fair Credit Act ( FCRA ) And as the consumer and natural person I am exercising my rights Pursuant to 15 USC 1692g ( b ) I have right to dispute this debt. As stated in my cease and desist I am also invoking my right not to be contacted by no other means but through written mail. Goldman Sach Bank has violated my cease and desist by continuing to harrass me by phone attempting to collect on a debt that is in dispute. I am disputing this alleged debt within 30 periods prescribed under 15 USC 1692g my failure to dispute the validity of this alleged debt can not be construed as admission of liability by any court.
Company Response:
State: PA
Zip: 171XX
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-01
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Marcus by Goldman Sachs was running a promotion. Deposit {$10000.00} in savings then receive {$100.00} https : //www.marcus.com/us/en/savings/osa-savingsbonus I opened the account on XXXX the next day I received confirmation that the account was opened.Marcus by Goldman Sachs Savings
Company Response:
State: PA
Zip: 19047
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-01
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Marcus by Goldman Sachs advertised a promotion online to offer new customers that sign up for their XXXX Account and found it with {$10000.00} to receive a one time bonus {$100.00} I fulfilled all requirements mentioned in the small print also called in when opening the account, everything was fine until I asked after 4 months for the {$100.00}. The refused to offer the bonus : ( told me many time the will review and call me back but never get back to me. Today I called again and no result. See attached offer send directly to me and the requirements I fulfilled! I used their link to sign up for this offer.
Company Response:
State: CA
Zip: 90804
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I seek to buy a house. I called XXXX at XXXX ( XXXX ) to wire the necessary funds to my closing attorney. Time is of the essence!! XXXX said I could NOT wire the funds to the closing attorney, but I could wire them to my personal checking account ( different bank ). I did at XXXX ( XXXX ). At XXXX ( XXXX ), the funds have not left my XXXX account or arrived at my [ Other Bank ] account. 3+ hours and counting. There is a home closing hanging in the balance. XXXX does not seem to care.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
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: We purchase tickets from known website online seller name XXXX, We purchase international flights going to XXXX thru XXXX XXXX XXXX, due to the COVID-19 pandemic the original flights was move re-schedule dates because of the closing of the border requirements to the country were going in. We pay them also for the additional flights, make the story short XXXX XXXX suggested to cancel the flights because of the cancellation of some of connecting flights and there is significant change in XXXX flights from XXXX flights XXXX way it make total of XXXX flights just XXXX way very significant change in flights so the airlines suggested just to cancel the whole flights. We called the XXXX customer service several times requesting for a refund spending so many hours waiting for there response we call back and fort with out results. Per DOT RULES If the flights was cancel they have to pay with in 10 days and thatwas not the case and did NOT happened. they hostage our payments, We need that money to purchase again to other airlines but months past by no refund was made they shut off there communication no email no call from them they are hard when its time for refund. We don't have no choice but to go dispute the charges to the credit card company apple card, but the results they did not refund the whole amount of the purchase tickets, cheaptickets wants as to pay {$1200.00} in total even we did set single foot in the airplane or in the airport, because they said the additional flights was add on its not cancelable, but it was part of the XXXX it was not purchase separately, when the airline cancel the whole flights everything follows the whole I.T flights is cancel. They should refund the whole amount of the flights as we requesting and per DOT rules they should refund in 10 days., The XXXX XXXX customer service suggested not to do business with them again because they cant help as on refunds, If it was them they will refund instanlly with out delay but but was thru cheaptickes.com We contacted card service explain to them what happened look like they sided on merchant explanation rules, In the first place we didn't NOT requesting flight to be cancel it was the airlines made significant changes on the XXXX and connecting flights is really canceled so there no sense that we will still be on that flights. We will not pay XXXX we even not singled foot in the airplane or in the airport what for were going to pay that amount. Its not fair for middle class family savings for vacation and pay them this amount for nothing cancel flights. Thank You
Company Response:
State: KS
Zip: 660XX
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A