Date Received: 2022-05-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: APPLE CARD/ GOLDMAN SACS IS SAYING I OPEND AN APPLE CARD AND THAT I AM RESPONSIABLE FOR THIS. I HAVE NEVER APPLIED NOR GOTTEN An APPLE CARD BUT THEY KEEP CONTACTING ME VIA TELEPHONE ASWELL AS REPORTING ONE ON MY CREDIT REPORTS. THEY SHOW IT AS BEGIN PAST DUE AND IT IS NEGATIVLY AFFECTING MY GOOD CREDIT. I HAVE BEEN TRYING TO GET THIS RESLOVED FOR SOME TIME BUT HAVE NOT MADE ANY PROGROSS AT ALL. THEY ALWAYS CALL AND CAN'T SEEM TO TELL ME MUCH OF ANYTHING, IVE NEVER GOTTEN ANYTHING IN WRITING NOR ANYTHING IN THE MAIL. THIS IS NOT MY ACCOUNT AND THEY PLEASE NEED TO REMOVE IT FROM MY CREDIT REPORTS! MY INFO IS AS FOLLOWS XXXX XXXX XXXX LA XXXX XXXX XXXX LA XXXX XXXX SSN XXXX
Company Response:
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/XXXX I sent Goldman Sachs and Validation of debt letter when I noticed an account on my credit report that was not mine. Still to this day I have not received any original contract or anything. They continuously say they're investigating it. I have sent them and identity theft report and Affidavit of Truth on XX/XX/XXXX due to not receiving an answer in over two months. Now we're in XXXX and they are reporting negatively/ missed payments on my credit during the whole process and still have not contacted me regarding their " investigation. '' I have called them every other week to check on the status and every time get the same answer. This was XXXX of XXXX accounts opened fraudulently and the other XXXX corporations closed and deleted the accounts without any issue. Only Apple Card/ Goldman Sachs is giving me an issue. This is causing me a lot of distress as I had a 100 % payment history on my credit and never had this happen to me before.
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
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: The complaint XXXX is not resolved. The Bank asserts giving me a credit of {$400.00} however my debit balance was not reduced by that amount. I asked for an audit and I have not received the results of an audit. I did not have a second dispute and I do not want to pay {$400.00} again. Please remove this charge from my records otherwise close my account.
Company Response:
State: FL
Zip: 33417
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-15
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I recently received a XXXX branded credit card from Marcus : by Goldman Sachs in the mail. It was mailed to my name, but to my parent 's address. It also included a card with my mother 's name on it. I have not lived at this address or used it as a mailing address since I XXXX college in XXXX. While I was in XXXX, I did have a XXXX card ( shared on an account with my mother ), but it had been cancelled around XXXX. I have received no notifications of this account being active or in existence since this time. I discussed this with my mother who also had no knowledge of the account being open. I called Marcus : by Goldman Sachs to discuss why I had received a card that I did not apply for or authorize. They told me the card was sent because they took over the XXXX XXXX program from another financial institution ( I believe they stated it was XXXX XXXX ). They claimed this account was on the list of active accounts they received from XXXX XXXX. They would not provide any other information. I asked them to close the account, but they refused, stating that I was not the primary card holder ( even though both cards were sent to my name and there was no indication of my mother 's name except on the additional card that was included ). I feel they reopened an old, previously closed account without my ( or my mother 's ) consent. I have since asked my mother to call and close the account. I feel that this is an unauthorized account opening and Marcus : by Goldman Sachs is opening closed accounts without authorization. I work hard to keep my credit score pristine and feel that unauthorized actions like these are damaging to it.
Company Response:
State: MN
Zip: 55124
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Dear CFPB, This message is in regards to complaint CFPB XXXX, which was wrongfully closed without the opportunity for me to respond. I request Goldman immediately revoke their false credit reporting and to refund me the outstanding funds. Goldmans response shows definitively that they willfully and knowingly violated the FCBA ( Fair Credit Billing Act ). First, Goldmans response here to the CFPB, and ONLY here in their response to the CFPB, includes a reason for they used to close the dispute as well as evidence they contacted the merchant. An examination of XXXX claims XXXX, XXXX, and XXXX, and all chats, phone calls, emails, and letters received by me from Goldman shows clearly no mention of this reason not evidence. In fact, XXXX claims XXXX, XXXX, and XXXX specifically request such evidence and reason. Goldman has therefore knowingly violated the FCBAs requirement of timely delivery of a reason and evidence for charge disputes. Second, by Goldmans own admission in their CFPB response as well as in my communications with them on XX/XX/XXXX, I am not a debtor to Goldman. In fact, my account has never since XX/XX/XXXX been in debt and actually carried a net credit in my favor. Moreover, I have made several notifications to Goldman that the check they sent was never received, and Goldman was aware of the status of the check at the time they reported the account to credit bureaus. Therefore, Goldman has knowingly made a false claim under the FCBA of an overdue account. Thirdly, I have previously made a report of Title VII discrimination to Goldman for their continuous stonewalling and harassing behavior towards me during my attempts to resolve this issue. Since Goldman has engaged, wrongfully, in debt collection activities when they knowingly had the funds in an uncashed check available to them, I am hereby making a new Title VII claim of discrimination : Goldman knowingly chose to engage in acts to harm my credit ( the wrongful report of debt ) when they actually had the contested funds and did so because of my last name and ethnicity. Goldman must cure their violations of the FCBA.
Company Response:
State: CA
Zip: 94107
Submitted Via: Web
Date Sent: 2022-05-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have a fraudulent account listed on my credit report, called Goldman Sachs Bank USA, which date was opened on XX/XX/2018. I have disputed this fraudulent account with XXXX and they have not removed this account from my credit report and XXXX and Goldman Sachs Bank USA is violating the fair credit reporting act by reporting inaccurate information on my credit report. Please remove this fraudulent item immediately and if it is not removed, then I will be filing a lawsuit against XXXX and Goldman Sachs Bank USA for not removing this fraudulent item from my credit report and not being in compliant with the FCRA. I have attached a police report and affidavit which I already reported to credit bureau already and they have some kind of way verified it accurate and it is not my account.
Company Response:
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Marcus by Goldman Sachs purchased the credit card receivables of XXXX XXXX and told us all, 'to be patient while we transition over millions of customers from XXXX XXXX to Goldman Sachs ''. I received an email from XXXX by GS that I had an upcoming payment and like every month I instructed my bank to pay the full amount. A few days later on XXXX XXXX I get a further notification from XXXX by GS that my account was now blocked because I had not made a payment and there was an approximate {$35.00} interest charge and a {$29.00} late fee. It turns out that in the transition as frequently happens it did not go smoothly. I called, pointed our their deficiencies, helped them get my bank account properly connected and then made a full payment of approx. {$2800.00}. I asked that they remove the late fee and interest charge. They agreed to remove the interest charge but not the late fee but they lied about removing the interest charge. It is still on my XXXX, XXXX bill. They escalated my request and said it would take a week. Today I called them again and they had nothing to tell me. I said I would file a complaint with the CFPB because they are abusing their economic market power with many retail customers who might not realise that leaving a 'late fee ' flag on their account will give XXXX by GS the opportunity to charge them a higher rate of interest on their balances.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for anv purpose. 72 1K
Company Response:
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2022-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-06
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: The available credit on my account is showing {$0.00} when it should be showing {$1900.00} based on the recent payment plus the disputes that have been resolved in my favor. Goldman Sacs ( Apple Credit Card ) has not updates my available credit and they will not give me an answer as to why.
Company Response:
State: CA
Zip: 90028
Submitted Via: Web
Date Sent: 2022-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I opened up my Apple Card by Goldman Sachs in XXXX of XXXX. I maintained an exceptional payment history never missing a payment. This is during the XXXX coronavirus COVID pandemic. Around XXXX of XXXX my business started to Suffer and I struggled with payments. In XX/XX/XXXX I paid down the complete balance of my Apple Card by Goldman Sachs to zero balance. I was then told by Apple Card GS that my account was closed. Saddened by this I was informed to reapply. Relieved that at least I paid off the card with XXXX balance I went about building my business. Since the card is closed I no longer received notifications, alerts or had access to login On XX/XX/XXXX I get an alert from credit bureau saying I'm pass due on my Apple Card by Goldman Sachs. And that my credit score has dropped by XXXX points. This is especially disheartening because I'm in process of purchasing my first home. I call Apple Card Goldman Sachs and was informed yes you paid your balance to zero and and account was closed so there was no way to inform me of a {$100.00} interest payment. If there was an interest payment of {$100.00} why not alert me since I am no longer a customer of Apple Card Goldman Sachs? I was told there was no attempt to alert me instead they just reported incorrectly to credit bureaus. They agreed this was in error but now I will lose my home because of Apple Card Goldman Sachs rush to report to credit agencies instead of calling or trying to resolve. I feel this is negligent practicing. Americans credit is very valuable and in this current climate of COVID it's hard enough to keep our families feed and business open. I feel an error like this could really ruin a lot of things for a customer that maybe already struggling to stay afloat. I was told that APPLE CARD GOLDMAN SACHS would escalate this matter but time is not my friend since I am in process of buying a house. I need them to fix this error asap and consider a different approach when reporting and dealing with communicating with customer past/presen Desired Outcome/Settlement Desired Settlement : Correction to a credit report None Provided Complaint Details Nature of Complaint : Billing or Collection Issues
Company Response:
State: CA
Zip: 90404
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A