Date Received: 2023-12-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2021 at XXXX, I signed a contract to build a Sunroom to my home and was told that payments would not start until the project was completed. The project was never started and I received numerous calls from the finance company regarding late payments. I contacted the finance company and was told they did not finance my kind of finance plan. I contacted the Company and was told that unfortunately I placed on the wrong payment plan due to policy changes that were made the first part of the year. I was told there were other plans that I could choose however, I would have to refinance and set up a second plan which would require a higher rate of interest and payments. I requested the account to be closed and was told I would have to pay a cancellation fee of {$9000.00}. This amount is now showing up on my credit report. This has been going on since XXXX of XXXX.
Company Response:
State: NM
Zip: 87112
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I opened my Apple Credit Card by Goldman Sachs in XXXX. On XX/XX/XXXX my IPhone was stolen which I reported to the bank right away. Fraudster and scammers used my virtual Apple Card to shop online and phisical stores, adding more than XXXX dollars in fraudulent charges. After reporting and claiming Goldman Sachs why this happened if I had already called to block the card they confirmed that they will block the virtual card and I could use my phisical credit card which I still have. I was even able to go to our neighborhood poultry and buy some fresh chicken with the card. Couple of days later Goldman Sachs has closed my credit card account and they say that I will need to reapply for a new card if I want so, however this is not a guarantee that my credit card and credit limited granted before will be the same or honored. I find this situation very deceptive and demeaning since closing my account will affect my credit score and history. Since I was stolen my iPhone and all those charges are unauthorized I would like to know my rights please.
Company Response:
State: NY
Zip: 10458
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
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: Purchased a dining table set from XXXX on XX/XX/2023 table arrived damaged. I contacted XXXX to request replacement offering to send back the damaged table, XXXX denied the replacement and no further assistance was provided. I filed a chargeback with the credit card company Goldman Sach ( Apple Card ).
Company Response:
State: CA
Zip: 91343
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Goldman Sachs 's AppleCard. Is it a scam? In the number of times that I've applied for this card, the application comes back declined due to ineligibility. I've read the eligibility requirements and found that I've met eligibility requirements the whole time to apply and reapply if I believed there was an error. Then it gives me another denial reason of, " you've applied a number of times and we can not verify your information at this time. '' I've talked with their customer service representatives just to have them state previous reasons for denial, different from the reasons I receive on my end. I ask them if they needed my assistance in verifying information required in order to possibly receive a more favorable decision, they said it has something to do with the way the information is presented on my application. My application is prefilled for me through my phone 's memory and do not see any mistakes so how am I ineligible or unverifiable when my credit is better than it was upon prior approval? Credit score is XXXX XXXX.
Company Response:
State: CA
Zip: 941XX
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I've tried contacting Customer Service by phone on: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and online every month (since XXXX) to get more information about why the daily interest keeps me from paying off my loan in a timely and reasonable manner. I have been paying as required yet I seem to only be paying approximately 1% off every year as far as I can tell. More detailed statements about how the monthly amount is distributed between the principal and interest since this loan was established would be appreciated so that I can ascertain if my finances will allow me to increase my monthly payment reasonably. At this rate, my car loan (which is 7 times as much and a year younger than this loan) would be paid off sooner! Since phone calls go unanswered and the Website always manages to have trouble any time that I want to question what is going on, I'm seeking information through this medium.
Company Response:
State: CA
Zip: 92240
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Urgent : Unjust Account Lockdown and Impending Tuition Deadline On XX/XX/2023, my account was inexplicably locked without any prior notice or apparent reason. This has put me in a precarious situation, especially given the imminent deadline for my XXXX XXXXXXXX tuition fee payment. As an XXXX student, this payment is crucial for both my academic pursuits and maintaining my legal status in the United States. My total online savings balance, approximately {$51000.00}, is currently inaccessible due to the account lock. Despite numerous attempts to seek assistance from Marcus customer service, the responses received thus far have been unhelpful and lacking in clarity. Upon initially opening my account, I diligently provided my citizenship information and Social Security Number, as required. However, I am now being told that additional verification, such as a U.S. driver 's license or state notarized forms, is needed. I inquired about the sufficiency of my passport for verification, as your website indicates that any passport is an acceptable form of identification. Surprisingly, the customer service team has insisted on conducting further reviews and has denied the acceptability of my passport. The implications of this account lock are severe, as I am unable to fulfill my financial obligations for the approaching tuition deadline. My education, career, and overall life trajectory are at stake due to the hindrance caused by Marcus ' decision to lock my access to funds rightfully owned by me. If Marcus has a policy of not conducting business with non-U.S. citizens or international students, it should have been transparently communicated during the account opening process. Taking my money and subsequently locking my account without reasonable cause creates an appearance of fraudulent activity. I urgently request your immediate attention and resolution to unlock my account, allowing me to proceed with the necessary tuition payment. Your cooperation in swiftly addressing this matter is paramount to ensuring the continuity of my education and legal status in the United States.
Company Response:
State: IN
Zip: 466XX
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Informed company of inaccurate, inconsistent and non compliant information being reported to XXXX, XXXX and XXXX
Company Response:
State: TX
Zip: 77062
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, I discovered that approximately {$37000.00} had been transferred from my Marcus by Goldman Sachs ( Goldman Sachs USA ) savings account beginning on XX/XX/2023 through XX/XX/2023. In each instance, {$1000.00} was transferred out of my account to an XXXX account at XXXX XXXX XXXX. It seems this activity was done to evade AML structuring monitoring as well as the reporting requirements. I did not authorize any of these XXXX transactions. I have completed the necessary WSUD forms as provided by Goldman Sachs within the 10 business day time-period. I have called several times to determine when a provisional credit would be issued in my savings account as it is now Day XXXX of the investigation. These calls have been futile at this point as Goldman Sachs ' employee do not understand the language of their own deposit agreement, which mirrors Regulation E. Despite our 10 calls to Marcus by Goldman Sachs, the bank refuses to issue a provisional credit to me despite its own Deposit Agreement stating that they will provide a provisional credit within 10 business days, if the investigation takes longer. I am consistently told that an internal review is ongoing and we do not issue provisional credits. I simply want my funds returned to me. Pursuant, Regulation E ( 12 CFR Part 1005 ) of the Electronic Funds Transfer Act ( https : //www.consumerfinance.gov/rules-policy/regulations/1005/11/ ), the act states : ( 2 ) Forty-five day period. If the financial institution is unable to complete its investigation within 10 business days, the institution may take up to 45 days from receipt of a notice of error to investigate and determine whether an error occurred, provided the institution does the following : ( i ) Provisionally credits the consumer 's account in the amount of the alleged error ( including interest where applicable ) within 10 business days of receiving the error notice. If the financial institution has a reasonable basis for believing that an unauthorized electronic fund transfer has occurred and the institution has satisfied the requirements of 1005.6 ( a ), the institution may withhold a maximum of {$50.00} from the amount credited.
Company Response:
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Urgent Complaint Regarding Failure to Update Account Status - Loan Paid in Full I am writing to file a formal complaint against Goldman Sachs Bank ( Apple Credit Card ) concerning the mishandling of my account status. Despite having paid off my loan in full and receiving the 1099-A copy B from the IRS/Goldman Sachs Bank ( Apple Credit Card ) , theyhas failed to update my account to reflect the paid-in-full status. This oversight not only affects my credit report accuracy but also raises concerns about the bank 's adherence to proper financial reporting standards. I have made multiple attempts to rectify this issue by contacting Goldman Sachs Bank ( Apple Credit Card ) directly, but the situation remains unresolved. I kindly request the CFPB 's intervention to investigate this matter and ensure that Goldman Sachs Bank ( Apple Credit Card ) promptly updates my account status to " Paid in Full. '' Additionally, I would appreciate guidance on any further steps I should take to address the consequences of this reporting discrepancy on my credit profile. Thank you for your prompt attention to this matter, and I trust that the CFPB will work to ensure fair and accurate financial reporting practices.
Company Response:
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
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 purchased a XXXX pro on XX/XX/2021 which Ive requested to return on XX/XX/2021 in compliance with XXXX return policy. For me to be able to return it, XXXX issued me a XXXX prepaid return label with a tracking number : XXXX. XXXX attaching the return label that was issue to me as well. Unfortunately, over 120 days since the delivery have passed, so you wont be able to see the tracking anymore. Over the following month, I regularly chatted with XXXX to enquire about the status of my return. They always confirmed that according to their records, this showed as delivered to the warehouse and I just needed to wait for it to be processed. Towards end of the month o XX/XX/2021, my account was banned allegedly due to too many returns. After banning my account, XXXX never refunded me for my returned XXXX ( and the object on this dispute ). I was unable to contact XXXX by phone or chat to talk about this issue. Their representatives told me that the only way to talk about this issue would be through email. Attached is an example of an email Ive sent that I was never answered to.
Company Response:
State: NY
Zip: 10014
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A