Date Received: 2022-04-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Goldman Sachs credit card ( with XXXX XXXX ) reported misinformation on my credit profile with the 3 credit reporting agencies : XXXX, XXXX, and XXXX, without my written authorization. They indicated I had late payments on XXXX and XX/XX/2017, and this is not true. Under the law, 15 U.S. Code 1681b - Permissible purposes of consumer reports, I am requesting this be removed from the 3 credit agencies under this legal precedent.
Company Response:
State: TX
Zip: 77386
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On Monday XXXX of XXXX of XXXX I tried buying airplane tickets for my vacation costing {$1700.00}. This transaction was declined by my Apple Credit Card from Goldman Sachs. They sent me a verification option which I complied with. Proceeded with the purchase again. It then again got declined. I notified Apple. I was advised to keep trying or to use a different method. I decided to keep trying. It then resulted into my account being locked. I couldnt use my card at all. I then called them again to solve this issue. The couldnt solve my issue. To this day I am waiting to be able to pay my bills. I feel penalized for basically nothing.
Company Response:
State: AE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: At the start of the pandemic in 2020, I was laid off and unable to make credit card payments, car notes, rent, etc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I reached out to the company a few months ago, alerting them of my situation about how Ive had my account for many years and never missed a payment up to this date except for the missed payments at the pandemic 's beginning. Once I recovered, I paid all my debts and stayed on top of my bills. Its coming up on two years of on-time payments. I contacted the company asking if they could remove the late payments from my credit report because they happened a few months before the company offered the option to defer payments They said no. That is the only reason I was able not to miss any more payments was because of that option until I recovered and found work and paid my debt in full.
Company Response:
State: CA
Zip: 90019
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: PLEASE REMOVE ALL FRAUDULENT ACCOUNTS AS I HAVE NO KNOWLEDGE OF ANY OF THESE ACCOUNTS DUE TO THE XXXX DATA BREACH. ALL OF IT IS BEING INVESTIGATED BY THE FTC. ACCORDING TO FCRA 605B THIS INFORMATION MUST BE BLOCKED IMMEDIATELY UNTIL INVESTIGATION IS OVER. Apple Card/GS BANK USA - OPEN XXXX XX/XX/XXXX ) - {$2200.00} NO KNOWLEDGE OF THIS ACCOUNT XXXX XXXXXXXX XXXX - OPEN ( XX/XX/XXXX ) - {$21000.00} NO KNOWLEDGE OF THIS ACCOUNT
Company Response:
State: CA
Zip: 90745
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have settled my goldman sachs account over 3 months ago with a third party company representing goldmen. I cant get account to show settled with no balance I have a letter from the third party which I will enclose
Company Response:
State: NY
Zip: 103XX
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have been the holder of a Golman Sachs saving account for the past 4 years, with two certificate of deposits credited to the account. Last month I was notified by Gollman Sachs that a XXXX credit card issued in my name, a card that I never requested nor possessed was transferred to XXXX Goldman Sachs, and a statement with a pending balance was sent to my address at XXXX XXXX XXXX. In XXXX South Carolina. I immediately contacted GS customer services to notify the occurrence, and was assured that a mistake in the identity of the real owner of the card had occurred, and that is was been taken care of. Last week I received another statement, for the same balance plus interest and fees, and I again spent two +hours with GS customer service trying to figure out how to resolve the issue. It seems that GS customer services is not very effective at handling these issues, and they kept transferring my call numerous times, putting me on hold and repeatedly asking for the same information. Again I was assured that the issue was resolved. At the end of the call I went to my online account with GS, to discover that the credit card is now included in my savings account with XXXX GS, and that the balance and the related interest rates are being deducted from the balance of my certificates of deposit. In addition, the 4 digits of the credit card linked to my account are XXXX, while the 4 digits of the card those statements I am receiving in the mail are XXXX. It appears the balance is the same on both cards. I have no idea how Gollman Sachs could have included the ownership of a credit card I never ordered or possessed into my account. It seems their systems have been hacked, and their security ( and mine ) have been compromised. In addition, I have submitted an inquiry to their XXXX email address but I have not received any acknowledgment. Given the seriousness of this situation, and the implication to GS reputation and my credit rating, I hope you would investigate it promptly and inform me of the status of your inquiry, since Goldman Sachs has not been able to take action or offer an explanation.
Company Response:
State: SC
Zip: 299XX
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened this account and put 2 deposit into the savings account around XX/XX/2022 and put too much money into the account, so i decided to put my XXXX account information using the routing number and account number provided by XXXX that uses XXXX. Marcus by Goldman Sachs has since locked my saving account requesting bank statements with the required information looking for the routing and account number from XXXX. I called XXXX and they said they don't provide that information on their statements just transaction history. so i called marcus back and requested for them to go ahead and remove the XXXX information from my savings account. Marcus has been nothing but rude and uncooperative about unlocking my the account. they wont even let me close the account. I just want the account unlocked and remove the XXXX information. Goldman Sachs refuses to unlock my account. I no longer want the XXXX tied to the account. Marcus customer service is very rude. I don't see how they can tie up people 's money like this. this isnt fair. i have children and need access to those funds immediately
Company Response:
State: AL
Zip: 358XX
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: In XXXX of XXXX, I opened an Apple card through Goldman Sachs to purchase apple products and receive O % interest. I made payments on XX/XX/XXXX ( {$100.00} ) and XX/XX/XXXX ( {$50.00} ), XX/XX/XXXX ( {$50.00} ). I was charged interest {$5.00} on XXXX. I then made payments on XX/XX/XXXX ( {$50.00} ) and XX/XX/XXXX ( {$50.00} ). I was charged interest {$4.00} on XX/XX/XXXX. I made a payment on XX/XX/XXXX ( {$50.00} ). On XX/XX/XXXX I called Apple to dispute the interest charged. The representative performed a balance adjustment of {$4.00} and {$5.00}. Then she did a balance adjustment of {$640.00}. I called Apple ( Goldman Sachs ) the next month and then discovered the representative set up an installment loan which does not show on my credit report. I paid off the remaining credit card balance of {$330.00} on XX/XX/XXXX, and now I have a credit of {$230.00} on the card. The representatives have been telling me that they can not payoff this balance immediately but that the credit of {$230.00} will be used to pay off the installment loan and that the payments will come out monthly. It would take about 4 months to pay off. As of XX/XX/XXXX, no payments have come out from this balance. I have requested to have the entire loan paid off and closed, but they are not allowing me to do that. They have stated they can not close out the loan. I want to be able to close the loan immediately.
Company Response:
State: PA
Zip: 19053
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-24
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: XXXX XXXX Apple Card XXXX XXXX XXXX Dispute case XXXX On XX/XX/XXXX, after a used computer was delivered to my house, I reviewed all credit card statements and identified four transactions on my Apple Card that I didn't make. I reported the four transactions on XX/XX/XXXX to Apple Card and filed a Police Report. Apple Card/Goldman Sachs changed the credit card number and added security. In total, there were three transactions with XXXX, and one with XXXX XXXXXXXX XXXX. Goldman Sachs credited all four transactions. In XXXX, one transaction from XXXX for {$1500.00} was returned to my billing statement. After I requested it, Goldman Sachs sent an undated letter from XXXX stating address matched my account and package had proof of delivery. I called XXXX and XXXX determined that my account, labeled as XXXX ' had no activity in eleven years but a new account had been created, XXXX ', and that was the account the purchase was made from using my credit card. The new account had my name and my address. XXXX provided me an E-mail indicating there was fraud and I provided this to Goldman Sachs via the 'no-reply " email address, attempted to send through Chat session, through USPS mail, and eventually through certified mail with return receipt. To date, I do not know if Goldman Sachs has the evidence ( XXXX Email and Police Report ). Goldman Sachs has now added the charge back on and I have put it back in dispute several times. I've also contacted XXXX again and have received another e-mail indicating fraud on the account. I've sent the E-mail from XXXX received in XX/XX/XXXX via certified mail, return receipt. Goldman Sachs called me to confirm that I still have the computer - and I do, since the Police recommended that either XXXX or Goldman Sachs need to coordinate a return since I was not a party to the transaction. XXXX will not provide me any information on the merchant to try and resolve this directly. Goldman Sachs is claiming since I am in possession of the computer, I am responsible for it. The Police are saying they will not take the computer because no one has reported it stolen. XXXX is saying they can not help and I need to resolve this with my Goldman Sachs. I am stuck and need help to resolve this. There was fraud that occurred between XX/XX/XXXX and XX/XX/XXXX. All the other transactions flagged as fraud have been closed except this one and I would like to resolve it. I am the victim of a fraudulent transaction, a cloned account with my name, address, personal information was used to make this purchase using my stolen credit card information. I have stated numerous times that I am not a party to this transaction but a victim. These facts are either not being taken into consideration or are being dismissed by Goldman Sachs. To resolve this, I would like to send the com puter to the return address on the shipping label on the box it arrived in and am requesting written confirmation from Goldman Sachs to proceed. I am requesting a written statement from Goldman Sachs that once I can provide delivery proof that I have sent the computer to the return address listed on the shipping label, that Goldman Sachs will close this dispute in my favor.
Company Response:
State: AZ
Zip: 85041
Submitted Via: Web
Date Sent: 2022-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-24
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I closed my Apple Card in XXXX XXXX. The provider closed the card with an existing balance. I have reached out to them twice since requesting the card be closed to get a final balance on both occasions I was told a payoff, which I then proceeded to pay. In-spite of the card being closed and being given two different payoff amounts, I continue to receive billing notices because the provider Goldman Sachs Bank USA , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Seems to be able to provide accurate information on the existing balance and persist in sending billing statements for amounts that should have been included in the requested payoff balance on the two previous occasions.
Company Response:
State: IL
Zip: 60636
Submitted Via: Web
Date Sent: 2022-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A