Date Received: 2022-04-30
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: On XX/XX/XXXX, I made a purchase at XXXX XXXX in the amount of XXXX. There was a dispute with the charge in the same month. I made a payment at the end of XX/XX/XXXX. In XX/XX/XXXX, I was given a credit of {$400.00} while the dispute was being investigated. I made contact with XXXX XXXX and exchanged my purchase for the correct Item. This issue with the merchant was resolved. In XX/XX/XXXX, the credit was reversed at the conclusion of the dispute settlement. In XX/XX/XXXX, I received a email communication stating I the matter was resolved in favor of the merchant and was charged {$400.00}. I called Goldmen Sachs and advised them of the error in the dispute. I advised the matter was closed. In XXXX I received another email communication stating a dispute was resolved in favor of the merchant and was charged for {$400.00}. I called Goldman Sachs and Apple Card to remove the debit on my account and they are telling me I owe them for the credit that was applied to my account. I advised no credit was applied on my account and requested an audit. The matter is pending. There records are unclear and if I was not a XXXX XXXX XXXX I would not be able to understand the financial transaction manipulation.
Company Response:
State: FL
Zip: 33417
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XX/XX/2022 at XXXX XXXX ET, I've received a email from Goldman Sachs stating I was denied for the GM card by Marcus due to not being able to verfiy my identity. I called Godman Sachs and the customer service representative wasn't able to help me verfiy my identity they kept telling me to apply again and after doing so I kept getting the same email with the same information. Saying " We're unable to verfiy your identity ''. This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, XXXX, religion, national origin, XXXX, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act. The Act also requires creditors to provide applicants, upon request, with the reasons underlying decisions to deny credit. The Dodd-Frank Act added, among other things, a requirement that creditors provide to applicants a copy of all appraisals and other written valuations used in connection with the applicants application for first lien loans secured by a dwelling.
Company Response:
State: VA
Zip: 23503
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
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: I had a charge on my Apple Card ( issued by Goldman Sachs ) that I did not authorize. Apple Card customer service refused to allow me to dispute the charge and simply transferred me to XXXX customer service. XXXX Customer SErvice could not even pull up the detail. This is one of many unauthorized charges I have had on my apple card. I am also trying to close my account and they are making it very difficult.
Company Response:
State: TX
Zip: 77005
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: My Application was denied, because of a problem with verifying my identification and I would like to verfiy it here.
Company Response:
State: VA
Zip: 23503
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX ( today ) I went to pay off my balance on my Apple Credit Card, and I opened up the app to make my payment and saw that it stated that my XXXX Balance was {$1400.00} and if I paid that amount I would not accrue any interest charges. However, due to a previous issue with interest and my Apple Credit Card ( where I had a carryover balance it didn't count in my payoff to not accrue interest ), I opened up the PDF statement they provide for XXXX and realized there are two issues. First, the PDF statement says that my XXXX balance is {$1400.00} which is a different amount than the app told me was due ( {$1400.00} ). Secondly, I had not paid off my entire balance the previous month, so even though it said I could pay off my XXXX balance to not accrue interest, that is incorrect, because if you look at the actual PDF statement, it shows that my " Total Balance '' is {$1700.00} due to my " Previous Monthly Balance ''. When this happened last month I did briefly mention that I had paid off the amount the app listed so that I didn't accrue interest, so Apple refunded me {$25.00} out of the {$25.00} in interest I had accrued, but I was given no recognition of the issue or assurance that it would be resolved. That is how I knew to look out for it this month so I could gather enough accurate information to properly file this complaint. I think this is an inherently predatory business practice that when you click to pay it states that paying off the previous months balance will mean you will not accrue interest even though I had a carryover balance. Apple needs to ensure that the amount displayed in the app for payoff not only displays the correct monthly balance, but that it also includes any previous monthly balance that may exist. I have attached screenshots of both my XXXX statement, and from the app to show the issue ( with my name/email redacted ). However I am willing to provide any additional information that the CFPB may need to investigate the issue.
Company Response:
State: MN
Zip: 56560
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The amount claimed owed was removed from credit report as a result as identity theft I have talked with company numerous of time and this file keep being added to my credit report. on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, they have been failing to comply with the FCRA and all information on account is inaccurate
Company Response:
State: NV
Zip: 89134
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
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: This originally contained screenshots of statements and receipts supporting my statements. These will be included in " additional documents '' in this complaint, and have been sent to Apple Card twice, as of XX/XX/XXXX, while defending " disputes ''. When I tried to purchase a rug ( XXXX ), I went through XXXX, through which I used Apple Card. When I clicked to purchase, I got an error message. Assuming the transaction didnt go through, I backed up, checked what I had submitted, and submitted again. Again, I got the error message. I thought the error might be with the sites connection with XXXX, so I tried going through Apple Card directly. The card was declined. It appears that happened twice. At that point I recognized that the two error transactions had actually gone through. I called attention to the transactions with XXXX and with Apple Card ( i.e. disputed ). I thought everything was resolved ( and it was, by everyone except Apple Card ). Some time later, when I tried to purchase an XXXX computer, my credit was denied, calling my attention to the discrepancy between my credit line ( {$7500.00} ) and my available credit ( {$3400.00} ), though my unpaid balance was {$0.00}. The discrepancy was the {$3400.00} that was still inexplicably under dispute by Apple Card. XXXX was able to recognize that the transactions never happened. XXXX credited the transactions thus Apple Card never paid. Now Apple Card wants me to pay them, as they reverse a " provisional credit '' for transactions that were credited before they even happened. One could examine the receipt from the vendor... I never had contact with the vendor, as they were paid by my XXXX XXXX and shipped the product, thus there was no dispute. The error purchases were credited through XXXX, and never paid, as acknowledged by the vendor. I ended up using a different card to make the purchase that night, thus the rug was shipped to me, and the disputes were irrelevant. ( There is only one such rug. If the vendor were paid two or three times, they could not send me multiple rugs. This was the only such rug. ) My XXXX card statement shows the transaction resulting in the purchase and delivery of the rug. No funds from Apple Card were used to make this transaction. Apple Card never paid out anything, though Apple Card continues to try to assess my account for the {$1700.00} they never paid out to anyone. This is evident in the entries in my statement from Apple Card. Here is the response I continue to get from Apple Card regarding this dispute : Goldman Sachs Bank USA has investigated your transaction dispute, and it's not resolved in your favor for the following reason : You already received a credit from the merchant for the disputed amount As a result, the temporary credit of {$1700.00}, which was applied to your account while your dispute was being investigated will be reversed, and will appear as a transaction in the XXXX app and on your next monthly statement. We will add this amount to your account balance, and you can pay it the same way as your other transactions. We've also waived any interest that may have been added to the disputed transaction before you submitted it. You have the right to see the information we gathered to make this decision. To request a copy, please contact an AppleCard Specialist at Goldman Sachs Bank USA by chat or phone. The details of your dispute are below. Disputed Transaction Details Dispute case number : XXXX Transaction date : XX/XX/XXXX Merchant name : XXXX XXXX ( XXXX ) Disputed amount : {$1700.00} Amount to be rebilled : {$1700.00} Get in touch with an AppleCard Specialist. Available XXXX. Chat with a Specialist using the XXXX app XXXX My notes from a previous call to Apple Card : XX/XX/XXXX XXXX On our end, both transactions disputeddispute credits applied. Dispute reversal removes one of the dispute credits. The other dispute credit is still open. Merchant was never paid Withdrawing disputeresolved in merchants favor, but should not result in a charge. It was already sent throughawaiting Manager approval. Will make a note of it. Usually takes a couple days. Goldman Sachs Bank USA has investigated your transaction dispute, and it's not resolved in your favor for the following reason : You already received a credit from the merchant for the disputed amount As a result, the temporary credit of {$1700.00}, which was applied to your account while your dispute was being investigated will be reversed, and will appear as a transaction in the XXXX app and on your next monthly statement. We will add this amount to your account balance, and you can pay it the same way as your other transactions. We've also waived any interest that may have been added to the disputed transaction before you submitted it. You have the right to see the information we gathered to make this decision. To request a copy, please contact an AppleCard Specialist at Goldman Sachs Bank USA by chat or phone. The details of your dispute are below. Disputed Transaction Details Dispute case number : XXXX Transaction date : XX/XX/XXXX Merchant name : XXXX XXXX XXXX XXXX ) Disputed amount : {$1700.00} Amount to be rebilled : {$1700.00} What strikes me is that Apple Card says that since the vendor credited me, then Apple Card can reverse its credit to me, and charge me.There was no me in these transactions.The vendor credited Apple Card, not me.I didnt get any money from the vendor.The vendor didnt get any money from me, or Apple Card.Because I contacted the vendor ( XXXX ), the charge was credited, so Apple Card was never charged.There was no transaction.On Apple Cards books, they think they credited me, and then they imagine that the vendor credited me, so then Apple Card should reverse their credit to me and charge me. I must reiterate ... I purchased this rug using my XXXX credit card. Apple Card did not pay anything in this transaction.
Company Response:
State: CT
Zip: 06033
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Apple Card Gs bank usa, 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 an open end consumer credit plan as late for any purpose.
Company Response:
State: GA
Zip: 30518
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
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: I have raised a dispute over a {$400.00} refund I was supposed to receive, but have not. Multiple times so far, the dispute had been denied and it had turned out they werent even looking at any documentation I provided. Each time the dispute is denied, I have since sent over very detailed documents describing the exact situation and why I am expecting a refund. They have now denied my dispute again because the merchant has already sent over a credit because I already received {$400.00} from the merchant around the same time of the dispute. However, as my documents show, I am expecting 2 separate refunds for {$400.00} each and I clearly only have one refund in my account. This dispute has been going on for over 6 months and I have not been able to speak to anyone at the bank who actually was a part of this particular dispute investigation- forcing me to re-explain everything from the beginning each time I contact in, and provide the same documents over and over again.
Company Response:
State: CA
Zip: 91789
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have tried numerous times to log into https : //www.marcus.comXXXX to access my credit card account info including the current payment due so I can pay the card. The web site does not work. I then called the credit card number provided, XXXX, and could only obtain my balance information ( after 2 disconnects on their end ) and could not get payment due nor could I get a real person to talk to. My credit account transferred to Marcus by Goldman Sachs in XXXX. I had an issue last month as well ; couldn't log onto the site and couldn't get anywhere with trying to call customer service. This is unacceptable and frustrating. I shouldn't have to file anything about this.
Company Response:
State: MD
Zip: 21401
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A