Date Received: 2022-05-31
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Im nowhere near reaching my credit limit but my card keeps saying declined or unauthorized. Called the company yesterday and they said youre good to go. You shouldnt have anymore problems Nothing changed. Its still getting blocked every time I try to use it.
Company Response:
State: MO
Zip: 648XX
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-30
Issue: Credit monitoring or identity theft protection services
Subissue: Problem with product or service terms changing
Consumer Complaint: Everytime I try to apply for credit cards it gives me problems. I have identity theft under my name so I don't understand why it hasn't been resolved
Company Response:
State: TX
Zip: 75243
Submitted Via: Web
Date Sent: 2022-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-30
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: Dear CFPB, This message is in regards to complaints CFPB XXXX and CFPB XXXX XXXX, which were closed without the opportunity for me to respond. Unfortunately, the CFPB has once again allowed Goldman Sachs to make false statements to the CFPB in responding to this matter. Firstly, there is disagreement regarding the account balance and Goldman 's false reporting of my account being in debt. In Goldman 's response to XXXX, they say that " The Bank confirmed the credit reporting was correct and accurate, the Bank is obligated to report accurately to credit reporting agencies '' and yet Goldman chose to, after now five public complaints, on " XX/XX/2022, the Bank placed a stop payment on the outstanding credit balance refund check. '' Note that Goldman has done this several months after I had contacted them -- as explicitly documented in CFPB XXXX -- informing Goldman of the non-receipt of the check, and I had indicated the non-receipt prior to their false claim of debt. Goldman therefore stopped payment with full knowledge that their prior debt reporting was not only inaccurate but wrongful and contested in public. CFPB, Goldman 's statement that " The Bank confirmed the credit reporting was correct and accurate '' is demonstrably false, as provided by their own admission -- indeed, Goldman knowingly. I request the CFPB hold Goldman liable for wire fraud and XXXX XXXX ; if CFPB does not do so I reserve the right to pursue Goldman for these liabilities. In particular, I request that all those at Goldman who were involved in phone calls and drafting the written response to the CFPB to be personally investigated for possible wire fraud. Secondly, there is still disagreement regarding the disputed charge in the amount of {$250.00} as referenced in CFPB XXXX and CFPB XXXX XXXX, and XXXX claims XXXX, XXXX, and XXXX. The FCBA requires that Goldman remedy the disputed charge in 90 days, and to include a reason for their decision. In Goldman 's response in CFPB XXXX, they claim they provided this response on XX/XX/2022 -- nearly 8 months after the charge and over 6 months after the charge was first disputed. Please see attached the emails Goldman claims to have sent on XX/XX/2022. These emails show that Goldman 's claim of providing the FCBA-required response was : * NOT within 90 day required period, as dictated by FCBA law XXXX * NOT truthful -- in these emails, Goldman asks for more evidence, contradicting their assertion that they closed the case using adequate evidence. * NOT substantive -- Goldman claims they confirmed a charge was made ( i.e. I entered my credit card into a point-of-sale, which I did ), but they do not indicate having evidence to dispute my claim that the merchant rendered unrequested services ( i.e. interior smell modification, which was not requested and damaged my vehicle ). Since Goldman has, through their own admission, clearly defied both the timeliness and substantiveness requirements of the FCBA dispute process, I hereby request an immediate and total refund of the {$250.00} disputed amount. Additionally, the mountain of evidence through now 1 year of exchanges with Goldman have cost me much lost time and shown a substantive pattern of Goldman failing to comply with the XXXX as well as knowingly making false statements to the credit bureaus, the CFPB, and the XXXX. I request the CFPB investigate Goldman for XXXX XXXX regarding this matter. Goldman has already been investigated for gender discrimination with regards to handling Apple Card applications and the evidence seen in this case provides that Goldman is once again wronging consumers. Goldman Apple Card is not safe for consumers. I have worked with several other card companies with chargebacks and I have never faced such lies and stonewalling. Goldman 's behavior is unabashedly in favor of their own profits and against the common good.
Company Response:
State: CA
Zip: 94107
Submitted Via: Web
Date Sent: 2022-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-30
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: Hi On XX/XX/2022 Somebody stole my phone while I driving for XXXX. As soon as I got my phone stolen I had an extra phone because I driving for XXXX too so I called Apple Card right away saying that I got my phone stolen You need to disable my account make sure nobody use it assistant told me I will take care of it you dont have to worry about it but in a few days I get three charge somebody use it my card purchased XXXX stuff and I called them again to dispute the decision wasnt my favorite and I dispute again with the evidence that phone record I called right after my phone stolen and I asked them play the conversation and you will understand I didnt make the charge they ignored my request and just deny my dispute again. Disclearly theres phone record show I called for stop my credit account And they dont want acknowledge I dont want to pay something I didnt do especially a call to make sure nobody use my phone to purchase anything and I have a responsible for the all the charge That is Ridiculous please help me out
Company Response:
State: NY
Zip: 11355
Submitted Via: Web
Date Sent: 2022-05-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Reflect XXXX balance due on account.
Company Response:
State: CA
Zip: 92562
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
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 a charge on my Apple credit card from XXXX XXXX XXXX, charged on XXXX XXXX XXXX for {$760.00} which is fraudulent and not charged by me. I disputed this charge through my credit card but the refund was declined by XXXX stating that I purchased tickets that were delivered to XXXX XXXX I tried to log into XXXX account with my email and received an invalid username prompt. I attempted contacting XXXX and was unable to obtain additional information because I could not verify the account. I emailed XXXX to provide proof that I accessed the tickets either through XXXX XXXXXXXX or through the box office which would require ID and I am waiting for their response. Otherwise, why would I purchase tickets and not use them. Hence, the request for a refund due to fraudulent credit card activity. Most people that commit credit card hacking can easily obtain basic information on a person such as address and email address. Also, this basic information is available online. I did not purchase tickets, and I would like my credit card to be refunded the amount fraudulently charged to my credit card. It is absurd that a company like XXXX will continue to enable fraudulent credit card activity.
Company Response:
State: CA
Zip: 91737
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I was in AXXXX due to XXXX XXXX in the Summer of XXXX. XXXX and XXXX to be exact and I have an Apple Card. During my stay in the hospital I had a XXXX dollar balance on my credit card. Apple charged me a service fee for XXXX dollars while I was in the hospital. Because I was in AXXXX there was a payment missed for their service charge. When I woke up and was released I was mortified. I have always paid my bills on time. I called Apple to tell them what happened. They refused to help me and have no damaged my credit so badly I can't qualify for a house at an affordable rate. They will not let me speak to a manager. I wrote to them and submitted all my hospital stays. They still refused to help me. They also verified the late with the bureaus. please help. I'm a XXXX year old man.
Company Response:
State: NY
Zip: 11003
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Regarding an Apple Card account with Goldman Sachs Bank USA. When requesting the address to make overnight courier payments by check, was given the following address by telephone support : Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. Then I was told that upon receipt of the check by courier ( XXXX XXXX ), it would take another 7-10 business days to process the check. From the address, it is evident that XXXX is sending to XXXX and then to XXXX, UT, with an interstate routing scheme that appears designed to delay such payments. Thus, XXXX is purposefully making it impossible to accept payments and process them on the day of receipt, even for overnight courier payments by check. I have been doing this same payment for several other XXXX firms today, and all of them credit the payments on the day of receipt. So this arrangement appears specifically designed by XXXX to rob customers of interest and create delayed payments made by check.
Company Response:
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have called twice and the first call the representative told me that they made a mistake and the interest charged on my account after I paid it in full was reversed. However, I then got a statement to pay that interest. I called and they said they reversed the charge, I have also closed this account. I called again a second time after receiving the statement and the balance is still on there after the representative looked into the issue and said it would be resolved. This needs to be resolved. This account is paid in full and I owe nothing.
Company Response:
State: IN
Zip: 470XX
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Goldman Sachs Bank USA is attempting to bully me into paying off a {$20000.00} loan I never took out by filing a lawsuit against me, as of XX/XX/XXXX. But Goldman Sachs had already recognized in XXXX that this was a case of theft of my identity. Their debt collection authority, XXXX XXXX XXXX, first contacted my wife and myself on XXXX XX/XX/XXXX. We immediately telephoned them and gave their representative, XXXX, ample evidence that this was fraud, including the police report, filed on XX/XX/XXXX. XXXX assured us that he would tell Goldman Sachs that the debt was fraudulent, and that I was not to be held responsible for it. I am a retiree and have lived in XXXX since XXXX ; until this time I have had a spotless credit record, and have no debts. The person who stole my identity ( name, birthdate, social security number ) lived in XXXX XXXX, where the loan was taken out, apparently on XX/XX/XXXX. I have never lived in OXXXX at any time, and have submitted ample evidence to Goldman Sachs to prove it. Despite my strong evidence, Goldman Sachs has not taken any action to end their unjust suit, which leads us to believe that they wish to bring me to court just to force me to pay for a loan I never took out. I am extremely distressed that I have to exercise greater diligence to prove that I am a victim of identity theft than the plaintiffs exercised in handing out money to a conman. I will attach the police report, the annotated letter from XXXX re. debt collection, and the document filing suit against me, which mentions the date and place where the loan was taken out.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A