Date Received: 2022-04-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payment on XX/XX/XXXX that was not credited to my account. I made 3 additional payments to the account on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have attempted to dispute this, multiple times. The timeline is as follows : a ) XXXX dispute no one at GS gave me a number for this one. When the XX/XX/XXXX payment came in, they claimed that was the missing payment ; but if that is the case then they never credited me for the XX/XX/XXXX payment. But they do show a credit on XX/XX/XXXX. It is hard to know which of the two payments they credited b ) XXXX this was a payment dispute. When the support person contacted me and asked me to send the cancelled checks as evidence this was converted to a Name Change request because GS only has one form to request documents and that form is a name change form. I both physically mailed the evidence of the cancelled checks ( in XXXX ) AND emailed it ( XX/XX/XXXX ). I noted in the cancelled checks that were sent that this was a payment dispute and NOT a name change. ( This dispute was initiated in XXXX ) c ) XXXX I received a response saying that the previous dispute was closed without crediting my account with the {$250.00}. They sent me a generic email saying they tried to contact me. They did not give me any details regarding why they did not credit. I suspect it is because this became a name change in the GS system that it was not handled properly. This occurred on XX/XX/XXXX. I challenged the lack of credit and was issued dispute # XXXX. d ) On XX/XX/XXXX I received another email saying they had tried to call me and had resolved my dispute. When I called, they said that the dispute XXXX was still open. When I challenged the fact that their communication ( email said something different ) I was passed to a number of people and the entire chat lasted more than 4 hours. As a part of that discussion, they opened another dispute XXXX on the same issue.
Company Response:
State: TX
Zip: 75062
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Apple Locked my money on my apple pay and wont let me get it back.My XXXX Is XXXX. Its XXXX On there They Locked For Absolutely no Reason on the date of XX/XX/22
Company Response:
State: VA
Zip: 24017
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: Loan for Marcus Goldman Sachs, 36 months for {$210.00} @ 17 %. First payment was in XX/XX/XXXX. Auto pay so never missed. They have a program which you can defer a payment if you make XXXX in a row. I took advantage ONLY one time, XX/XX/XXXX which then extended my last payment instead of XX/XX/XXXX, would be XX/XX/XXXX. I have paid in XXXX payments leaving XXXX left. Amount would be XXXX x XXXX {$1000.00}. Yet as of this month, XX/XX/XXXX I still owe {$1300.00}. I know interest still accrued for XXXX, but seems {$300.00} + is high or amounts to an extra payment and a half. PLUS -- - from last month to this month I only earned XXXX cents towards the principal,. Im tired of the stay/work at homes, not very helpful and the one time I called, she didnt know, was gon na check, but got hung up on. Plus having problems -unable to look at my documents again online. " We will waive any interest incurred during the deferral, and extend your loan by one month ( you will pay interest during this extra month ) ''. Which would be {$300.00}! They should warn customers then of a possible high interest accumulation. P.S. I am shown to have a low credit score, ( possible?? ) but it is only because of my son making late car payment, which I am a co-signer.
Company Response:
State: KY
Zip: 427XX
Submitted Via: Web
Date Sent: 2022-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-18
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I called to submit a wire transfer on XX/XX/2022 at XXXX for a closing on a property scheduled for Monday XX/XX/XXXX at XXXX. I was told that since the call was made prior to XXXX it would be sent on XX/XX/2022. I went to my closing at XX/XX/2022 at XXXX and was told the funds had not been received yet. I called Marcus and was told they needed to speak to the Title Agency. They called the Title Agency and confirmed the wire instructions. I called back at XXXX on XX/XX/2022 and the wire still hasnt been sent for closing and causing the prevention of moving in to my newly purchased property. The have now prevented me from having access to my funds for closing.
Company Response:
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2022-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-16
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: in XX/XX/2020 i purchased on XXXX XXXX bike components : XXXX XXXX XXXX valued {$860.00}, and XXXX XXXX XXXX valued {$1700.00} The items were planned to be delivered via XXXX on XX/XX/XXXX XXXX the following tracking numbers were provided XXXX XXXX On XX/XX/2020 the items were marked as delivered. however the items were not at my doorstep and nowhere around the house. Tracking number XXXX would have required signature for delivery. I believe the items has been delivered to the wrong address, however both XXXX and XXXX refused to open an investigation to find out where the packages where delivered. I then dispute with the credit card company which is Apple Card managed by Goldman Sachs. The dispute was resolved in favor of XXXX without any valid reason, although i have been trying to get in touch with XXXX to address the issue which instead ended up closing my account because of the dispute with the credit card company. many time in the past 2 years i tried to appeal the decision of the dispute with Goldman Sachs. New dispute was always opened but the result was always the same. Recently there were reports and complaints from many users that Apple Card was always closing dispute in favor of merchant rather than consumer. Upon such reports i received an email from Apple Card that they were reviewing again my dispute closed not in my favor, however once again the dispute was closed in favor of the merchant. 2 years after i find my self with a charge of {$2600.00} which i have already paid off, but with no items ever received. A police report was also opened and sent to Apple Card multiple times. The police report is also attached to this complaint. Apple Card Goldman Sachs has been one of the worse credit card with one of the worse customer service ever, with no interest to take the side of the consumers with no apparent valid reason
Company Response:
State: CA
Zip: 926XX
Submitted Via: Web
Date Sent: 2022-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: This credit card was opened with an email address that was not verified or in use for over 10 years. Since this lender does not provide statements, only emails concerning charge, they were sending notices to an old email address not in use. There was a very nominal amount charged to the account automatically. That I did not authorize or even know about. This is what caused a perfect credit score to be tarnished. I have tried many times to explain this to the creditor only to be ignored. They can as well as you can see that my score was perfect at the time this account was opened. Do you think for a second, I would not pay a {$35.00} charge and run a risk of harming my perfect credit. Can you please help me make this clear to the creditor? And please ask them to remove the negative rating to my credit. Sincerely and with complete honesty ... ... XXXX XXXX XXXX PS. I look forward to your response.
Company Response:
State: CA
Zip: 92262
Submitted Via: Web
Date Sent: 2022-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have spoke with numerous XXXX agents as well as Apple Card agents from Goldman Sacs Bank USA to get these account review inquiries removed from my XXXX credit report, and have had no success whatsoever getting cooperation from either XXXX or Apple Card from Goldman Sachs Bank USA. I am so frustrated and so tired of having to deal with these agents that are unwilling to help me and being one hundred percent unwilling to help me regarding this issue. They are fraudulent and I am a victim of identity theft. There are also two sets of inquiries with the same dates on each of them. These are listed below : APPLE CARDGS BANK Location XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX APPLE CARDGS BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX
Company Response:
State: IN
Zip: 46062
Submitted Via: Web
Date Sent: 2022-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Our XXXX XXXX XXXX changed banks. There have been two issues of someone trying to steal our identity during the changeover. The new bank, Marcus Goldman, is of no help. They can not seem to do anything right. I closed down the account immediately and the fraudulent charges were stopped in time. However, I discovered through my XXXX XXXX that Marcus Goldman reported to the credit bureaus that my address had changed. I spoke with XXXX ( where the change alerted XXXX XXXX ) and got my credit account and information frozen. However, this fraudulent address is now showing on my credit report. It is not my address. I have not moved. This person apparently tried to have my address changed. Marcus Goldman will not help me fix this. I want this fraudulent address erased from my credit report. How do I do this?
Company Response:
State: TX
Zip: 779XX
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Hi, Reached out to Apple about my apple card not paying off the balance via the XXXX XXXX. It was not working for the entire time I had the balance on the card, and still will not work to this day. My phone records show I reached out to Apple to discuss a way to make the wallet work, but they could not fix the issue. This resulted in 2 late payments. From the apple card app on the phone presented was no other way to pay the card off. This resulted in confusion and lack of a process to escalate the issue. I have followed up with the bank associated with the card and have started twice a process to get the late payments removed from my account and they have not followed up with me on their final decision, nor have they provided any documentation to me. ThanksXXXX XXXX
Company Response:
State: KY
Zip: 40220
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This credit card was open in my fraudulent and I summited the police report and information to creditor and it was remove from my report expect XXXX.
Company Response:
State: NV
Zip: 89134
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A