Date Received: 2022-04-10
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 made a purchase on XX/XX/XXXX. I immediately asked for a dispute because as soon as I got the order confirmation email, it was a clear scam. The customer service email ( XXXX ) is linked to all these other scam sites, the same exact email template shows up on XXXX images from different shops, I got absolutely no product in the mail, no response from the customer service when I made an attempt to contact them, and the site said I would be charged {$73.00} but I was actually charged {$81.00}. The site I purchased from, the store that sent the confirmation email, and the merchant shown on my card statement are all different names. I was awarded {$8.00} from my dispute with Apple Card. I originally thought this was an employee error and that they just accidentally left out the XXXX in {$81.00}. I made many attempts with Apple Card support to get an explanation and was given different answers every time. No one knew what I was talking about when I explained what the previous person had told me, nothing I was told would be done was ever actually done, and nothing was documented in my account. I waited XXXX months to get a call this past Monday ( XX/XX/XXXX ) and I was told I received {$8.00} because I only disputed in the amount of {$8.00}. Apparently the first representative thought I just wanted the difference between {$73.00} and {$81.00}, not the full amount. I was told I could reassert the dispute in the correct amount, and I emailed evidence showing this merchant was a scammer. Today ( XX/XX/XXXX ) I got a call from a XXXX and was told something completely different. She stated the item I purchased was only {$8.00} and that I was charged {$73.00} because that is how much it cost the bank to do the currency conversion from yuan to dollars. She states that the money didnt go to the merchant, it went to whoever does the conversion and she confirmed that I just paid {$73.00} for nothing. She could not tell me who got {$73.00} from me. I have proof that {$73.00} was the amount the scammer charged and had nothing to do with a conversion rate. My credit card statement clearly shows {$81.00} was originally paid to the merchant. I was refunded {$8.00} by Apple Card, and now the statement shows I still paid the merchant {$73.00}. The merchant site is still up showing the price of the item is {$73.00} USD, not yuan. My confirmation email showed I transferred {$73.00} USD, not yuan. I also checked the exchange rate of the XXXX yuan; according to the merchants confirmation email the exchange rate was {$8.00} which would be why it went from {$73.00} to {$81.00}. I did the research, and that's not right either. XXXX XXXX is {$0.00} in USD, so if I was charged XXXX yuan like the Apple card specialist tried to claim, it should've been {$11.00} USD, not {$8.00} USD. None of the math adds up to anything I am being told.
Company Response:
State: NJ
Zip: 08096
Submitted Via: Web
Date Sent: 2022-04-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: GOLDMAN SACHS BANK USA HAS consistently REPORTED FRAUD ACCOUNT NUMBER XXXX ON MY CREDIT TO CAUSE GREAT AND MALICIOUS HARM TO MY FINANCIAL WELL BEING. THEY PURPOSELY FUNDED A FRAUDULENT CHECKING ACCOUNT UNBEKNOWNST TO ME AND ALLOW THE PERPETRATORS TO BENEFIT OFF THE ERRONEOUS MISTAKE. ON TOP OF THAT AFTER READING THE FCRA THEY CONTINUE TO INTENTIONALLY ATTEMPT TO CAUSE GREAT AND MALICIOUS HARM BY REPORTING IT AS A CHARGE OFF WITH A BALANCE OF {XXXX} WHICH ACCORDING TO LAW IS A BLATANT VIOLATIONS OF MY CONSUMER RIGHT ACCORDING TO THE FCRA IF THIS WAS MY ACCOUNT WHICH IT IS NOT AND HAS NEVER BEEN.FURTHERMORE ACCORDING TO THE FCRA ALL CHARGEOFF REPORTED MUST REFLECT A XXXX BALANCE AND NO PAST DUE
Company Response:
State: FL
Zip: 33162
Submitted Via: Web
Date Sent: 2022-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XXXX XXXX recently transitioned from XXXX XXXX to Goldman Sachs. I have never received a card or a new account number. Prior to them taking over I paid my monthly statement in full to XXXX XXXX, account ending in XXXX. The last payment due XX/XX/XXXX for XXXX was paid in full to XXXX XXXX before the due date via electronic payment. Goldman Sachs took over XXXX XXXX in XXXX and I got a bill dated XX/XX/XXXX that I am behind in a payment to them for XXXX. There customer service staff said it was due XX/XX/XXXX??? I explained it is dated XX/XX/XXXX and XXXX payment was in full to XXXX XXXX. They began sending emails and saying I am behind in payment to an account ending in XXXX that " doesn't yet exist '' under them. I don't have an account ending in XXXX and yet their correspondence indicates this is an account they are billing me under. They are saying I am late and the account has been frozen. Yet, when I speak to them they say I am able to make purchases with my XXXX XXXX number ending in XXXX and to pay the payments to them with the old XXXX XXXX number?? Their Customer Service staff and two Managers seem to have no idea about the new account number being sent in my correspondence, for an account they have yet to send me a card on, and that doesn't exist and that has been " frozen ''. Despite more than 4 phone calls to them, I continue to receive threatening emails from them saying I need to pay XXXX and additional late fees they have tacked on to my most recent purchase XX/XX/2022 for XXXX. I received a letter from them dated XX/XX/2022 saying there is no error and the initial dispute decision is that I owe the money {$6.00}. The last call to CS Rep indicated the first dispute was declined ( which I received in writing as noted above ) and I owe the money. I asked for and spoke with yet another manager, and he was again sending it on to Dispute. Every person I speak with thinks it is strange and I shouldn't owe any fees, but no one seems to be resolving this issue. I am growing weary of speaking with them, with no resolution and getting threatening emails and another statement with late charges and additional fees added to the amount indicated above. Also, the statements are arriving with account number XXXX not XXXX???
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022 I tried to transfer {$30000.00} from my Marcus by Goldman Sachs savings account, via XXXX to a bank where I have a checking account ( XXXX XXXX XXXX ). On XX/XX/XXXX I logged into my Marcus account to find out that the transfer had been reversed. I then called Marcus to find out why the reversal happened, and over the course of XXXX hours, much of it involving a three-way conversation with a representative from XXXX XXXX XXXX ( where I was trying to transfer the {$30000.00} ), I was told by Marcus, that the transaction was reversed because of XXXX XXXX. The representative from XXXX XXXX Bank told the Marcus representative that XXXX XXXX had no record of any transaction request from Marcus. In fact, on the day that the transaction reversal happened ( XX/XX/XXXX ) there was no one in the department at XXXX XXXX to initiate a reversal - because it was a Saturday. During the course of four hours involving four conversations with Marcus representatives, each Marcus representative, including a supervisor, insisted that Marcus always places a code to indicate why a transaction was reversed. But they had no code, or reason listed, for the transfer reversal. Because there was no code given, Marcus representatives- including a supervisor and specialist- said the fault for the transaction reversal was XXXX XXXX 's. I should also mention that three times Marcus representatives hung up - each time the same representative from XXXX XXXX remained on the phone line with me. In summation, it seems as if Marcus by Goldman Sachs is refusing to admit any error in the reversal of the initial transfer ( XX/XX/XXXX ). I should also mention that on XX/XX/XXXX I did ask for a wire transfer - and a Marcus representative expedited that transfer, but I was charged {$16.00} for it. Marcus refused to pay the {$16.00} fee. And Marcus kept on insisting they bore no fault for the earlier transfer reversal of XX/XX/XXXX. I am left wondering how can Marcus claim no responsibility for the transfer reversal when XXXX XXXX clearly stated they never received the transfer request, and that no one at XXXX XXXX was in the office to even consider a reversal on the day the reversal was made.
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I received a letter from " Marcus by Goldman Sachs '' saying that they had run a credit report to determine loan eligibility. I'd never given them permission to do that. It's infuriating that they would do this illegally without my consent.
Company Response:
State: TX
Zip: 75035
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have contacted Apple Support multiple times including today ( XX/XX/2022 ), and have not received proper help. Support bounces me around for hours just to say theres nothing they can do. I would rather work with a collector than Apple. My account was closed in XXXX for being past due, but my account was not past due ( look at attachments ). I dont want this card as Apple is terrible service, but I would like to settle ( which they said they cant do ) as I dont agree with why the account was closed and I dont see an end to their practices. They said the account will stay like this until I repay it and reapply 30 days after. Please help me as Apple thinks they can push us little guys. Thank you!
Company Response:
State: CA
Zip: 94541
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: I have two installment payments with my Apple Card ( an XXXX and an XXXX ) and want to pay off my XXXX installment. First, while I tried to pay off the XXXX, it stated that I have to completely pay off the balance on my Apple credit card to be able to do so, which I did. Then, I went directly to the XXXX installment to pay the XXXX early, however, it shows the whole amount for both the XXXX and the XXXX. Since I don't have the money to pay off the XXXX and only wants to pay off the XXXX, I contacted an apple expert through the message app that they recommended. After speaking with 3 different people, they lied to me and said I have to drive back to the store where I purchased the item to pay it off there. After driving to the store, the store employees told me I have to contact Apple by phone to pay it off there. After contacting them by phone again, the person at the line walked me through several steps to pay off even though I voiced my concerns that I want the payment to be allocated to the XXXX XXXX and he assured me that he has done it before and should have no problem to pay it off. However when I made to payment for the XXXX, the payment instead went to the XXXX. When I asked to fix it, he told me only after that I am only able to pay the first installment and can not pay off the XXXX. when I asked for a manager, they lied to me and sent me through 3 different people and none of them were manager. All I needed to do was just to pay off my XXXX. At this point I was beyond frustrated and angry and ask to return the XXXX and they still continue to lie to me again and again. No one should have to go through what I went through with Apple inc just to pay off a merchandise.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: GoldmanSachs increased the XXXX on my credit card retroactively back to XXXX and notified me of this change on XXXX. They increased the interest rate on my card by .25 % and did not notify me of this change prior to this taking place. I was not able to make correct financial decisions due to GoldmanSachs not properly notifying me of a change in my interest until after the change took effect. Had I known that my rates were going to go up I would not have made certain purchases. I spoke with a manager on the phone who informed me that the bank is not responsible for notifying customers of XXXX changes on their cards. And indicated that the federal government notified the public of these changes on XX/XX/16 and that I should be watching the news. I explained that it is the bank that needs to notify customers of their changes prior to them taking effect. As I was not notified of these changes I now have a larger fee due to the bank 's choice not to tell me about upcoming changes. The manager informed me that GoldmanSachs has the ability to change interest rates and not notify customers of those changes. Which I find incredibly scary. It is unethical and financially abusive. I am incredibly upset with the way that I am being treated and lied to by the manager I spoke too as well as the bank as a whole. I am attaching a copy of the letter received by the bank AFTER the changes went into effect.
Company Response:
State: OR
Zip: 97203
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: They show me having a late payment on XX/XX/2019, however a representative was helping me set up auto pay and did not set it up correctly making my payment late. I did call and nothing was fixed on my credit report
Company Response:
State: MI
Zip: 48346
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I received an alert from XXXX that my credit score dropped XXXX points, from XXXX to XXXX, when I looked at my report I find that XXXX has reported the wrong balance to XXXX, they reported {$1300.00} when in fact my current balance on XXXX was {$370.00}, this increased my credit utilization by 5 % and thus lowered my score. When I called customer service they claim that Goldman/Marcus is not yet reporting anything to the credit agencies but my report clearly shows its Goldman and XXXX is marked paid on XXXX which is accurate. GOLDMAN SACHS AND CO Exceptional payment history {$1300.00} Balance updated XXXX XXXX, XXXX > looks like they reported the wrong year
Company Response:
State: NY
Zip: 11784
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A