Date Received: 2022-04-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I recently filed a complaint specific to Goldman Sachs about an Apple Credit Card. I followed up with a note about the credit card being approved then was told that it was not. This week I received notification from Marcus by Goldman Sachs about a pre-qualification loan option on XX/XX/2022, which I did not request. I looked at several options but did not approve Goldman Sachs to review my credit file, nor did I select them for this loan. There were several that came up and I decided not to request a loan. This is interesting because out of the 6 organizations that were listed in the same format this organization was the one that decided to pull my file as if I agreed to move forward with them. Something needs to be done about Goldman Sachs and it appears that this organization may be bias. I am beginning to conclude that this organization is not working in the consumer 's best interest. I will contact my local congressman/congresswoman and let them know about this issue. Nothing was done about the first complaint. It was closed. I have attached the file for the original credit card application.
Company Response:
State: GA
Zip: 30040
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I returned an XXXX XXXX on XX/XX/2022 XXXXAPPLE CARD indicated that the item was not returned so the device was put into installment payments thus preventing me from being able to clear it to zero balance. Apple retail has not helped and became complicit and deactivated my Apple -ID for no apparent reason so I am stuck with a deceptive positive balance on the Apple Card... .I sent documents that item was returned but they refuse to clear the APPLE/CARD and take it out of installment payments-APPLE/CARD Had also reported a XXXX XXXX alert to the 3 credit bureaus lowering my credit score 30 points-though there is nothing owed on this card ... APPLE owes me XXXX Apple Retail and APPLE/CARD has not responded accordingly even though they sent emails -No calls have showed up my caller ID -Some calls came in but when answered they would hang up-Apple and Goldman Sachs has avoided my attempt to correct the transaction behavior they altered and modified! I have run out of options and my mental has deteriorated since this occurred.
Company Response:
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XX/XX/2022 XXXX switched to Goldman sach Bank and no payments was able to be made which was my due date. I was charged finance charges on XX/XX/XXXX. I logged in and made a large payment on XX/XX/XXXX, which my account said nothing was due. I was charged XXXX on XX/XX/XXXX. The voice recording on their end stated No Finance charges would occur during the transition. I have made multiple calls and Nothing has been resolved. On my following statement for XXXX I was charged {$10.00}. Again I paid my balance and then some. I have spoken again on the finance charges. AS TO DATE NOTHING HAS BEEN RESOLVED AS OF XX/XX/XXXX XXXX
Company Response:
State: NC
Zip: 27295
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-31
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: All charges on my account from XX/XX/22 thru XX/XX/22 - 13 charges were not made by me. Company sent me emails asking to verify charges, I was unable to respond to that email so I called them. For two days at 2 hours per call and 4 more times with them assuring me matter being handled. I was assured I am not liable for fraudulent charges. They only disputed one item for {$15.00} and sent me a bill for {$300.00}. What do I do, I received new cards but did not activate them and will not. I also need to cancel this credit card account without penalty. I am on phone with them going thru the same wait and run around
Company Response:
State: NY
Zip: 11901
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-31
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 ordered my XXXX from XXXX in XXXX and returned it towards the end of XXXX, in line with their return policies which gave me until XX/XX/2022 to make the return. I have chat transcripts that confirm that XXXX received the return on XX/XX/XXXX, but I never received a refund despite multiple attempts at contacting customer service and agents telling me that I would receive communication from XXXX. As such, I initiated a dispute with Apple Card on XX/XX/2022 and I received communication today on XX/XX/2022 that the dispute was not found in my favor because " the items you purchased have not been returned to the merchant for a refund. '' I don't feel Apple Card has handled this dispute correctly, when XXXX has told me that they did in fact receive the item that I returned. Apple Card also never asked me for the screenshots or documentation that would show that I did return the item. Now, I am being told that a new dispute would take up to 90 days, meaning it could take until XXXX to potentially reach a resolution on this case. In the meantime, I am out {$1900.00}. Additionally, Apple Card has not sent me the documentation to explain why the original dispute was not found in my favor as they are expected to.
Company Response:
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-31
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I dont have exact dates, but my XXXX credit card account that was owned by XXXX XXXX, was recently sold to a Goldman Sachs credit company named Marcus. This is ongoing. I have had the XXXX account over twenty years, maybe thirty, and I pay it off every month. I have only run a balance twice, as far as I can remember and I paid those off in two billing cycles on those occasions. Marcus by Goldman Sachs decided they were going to take the monthly bill out of my checking account. I dont have a checking account and I want a paper bill mailed to me every month. I told them that. My credit card bill is the only bill I have and my mother sends a check for me. I havent received a bill and apparently, because I wont pay a bill I havent seen, Marcus has frozen my card. Last Thursday they finally said they mailed me a bill. Never got it, called them today and now they say they mailed the bill on the XXXX, yesterday. I am almost positive that this company doesnt want customers that settle their balance every month, but prefer customers that run debts month to month. That means Marcus is discriminating against people that pay there bills on time and in full. Im no lawyer, but that is also coercion. Marcus cant force me to give them access to my bank account or withhold their services because I pay my bills on time. Ive contacted the XXXX XXXX XXXX about this and I hope, that if you see some wrong doings, you will look into it. At the least, I think you should make them aware of my complaint against them. Just that might put them on their toes.
Company Response:
State: KY
Zip: 41042
Submitted Via: Web
Date Sent: 2022-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-31
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had a XXXX credit card. They switched over to Marcus. I tried to make the full pmt before the due date but the system was shut down for maintenance. I called and they told me not to worry I could make the pmt after Tuesday and they'd wave fees. I waited until Tuesday. Set up a new account. Paid the credit card off in full. They charged me interest. I called the company and they said they would issue a credit. The amount they were to issue the credit for was the total amount of interest charged. It was just over {$16.00}. They credited {$4.00}. I paid the balance off in full after using the card this past month. This resulted in a negative balance on my account. The credit card company owned me money. Now they charged me interest on that money they owe me.
Company Response:
State: WI
Zip: 54915
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Marcus is not fully reporting balance information and balance history to the credit bureaus. I am unaware what the impact is- if any - positive or negative - to my credit report. However, regardless, I would like my entire balance and payment history- which is 100 % on time - to be reported accurately in full.
Company Response:
State: NC
Zip: 28208
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Getting the loan
Subissue:
Consumer Complaint: Was approved for a personal loan and was told to log onto their portal to access and e-sign the loan docs. $ $ $ in my account in 2-3 days. No such page was accessible on any platform -- their app, website or via a browser. 9 phone calls to try to " fix a technical issue '' which apparently happens every day, as I have subsequently seen in numerous complaints. Was told that they would snail mail me the loan docs -- I refused, as the loan was intended for an emergency need. Asked them to fix their technical issues. Within an hour, I Received a voice mail that they had already mailed me the docs, and thus I could not have any access to them online. Called up and they got nasty. Have reported them to XXXX XXXX, on whose site they appear. I am now trying to pull my credit to see if their infamous " hard credit inquiry '' tying up my available credit is going to sink me, as it apparently has so many people. I fear this was either a scam to get my information, or is their way of operating ( to deny reasonable and speedy online access ) due to a terrible cash flow or loan funding issue, i.e. they may " approve the loan '' but have not actually funded it ... this insistence on mailing buys them time.
Company Response:
State: PA
Zip: 19320
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-29
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: During the month of XX/XX/XXXX I signed up for XXXX Try then Buy program which allows users to try on a product for free and return it if they choose not to purchase it. I ordered a pair of XXXX glasses and returned them to a XXXX store because I didnt like the style. 3 months later XXXX charged me because they said they never received the glasses. This was a lie because I 100 % did return them, so I contacted my credit card company ( Apple Goldman Sachs ) and filed a dispute with XXXX. My credit card company told me that I lost the dispute and I would be charged for the full amount of the glasses. I took the loss and paid because there was nothing more I could due. Flash forward to XX/XX/XXXX, I receive an email from XXXX stating they actually sent the money back to my credit card provider and accepted the chargeback. The XXXX representative informed me that my credit card double dipped because they received the refund from XXXX AND charged me as well. I have tried contacting my credit card company but they do not respond. I have email proof from XXXX XXXX XXXX with order ID # and refund ID # s proving they refunded my credit card company
Company Response:
State: CA
Zip: 92707
Submitted Via: Web
Date Sent: 2022-03-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A