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: On XX/XX/XXXX I ran across an advertisement for XXXX XXXX XXXX XXXX claiming this LLC would help a person obtain their Vehicle Dealers License, the owner directed me to the companies website at XXXX based on the services the owner, XXXX XXXX he told me that I qualified for the Skinny Package for {$2400.00}, I told him I already had an office, and my own XXXX, so he I didn't need those particular services rendered to me by his company and he verbally agreed. XXXX XXXX, advised me to purchase the " XXXX XXXX '' on line and stated that I would receive the following services, ( 1 ). Dealer App Review, ( 2 ). Occupational Expedite, ( 3 ). City Business License Expedite +Fee, ( 4 ). Bond Referral and ( 5 ). A XXXX XXXX. XXXX XXXX insisted that I pay with Apple Pay, but I I told him that I only had an Apple Master Card, I paid the full price of {$2400.00} and 2 months had passed without XXXX XXXX rendering me any kind of service. I immediately disputed the transaction with my Apple Card service provider, on three different occasions, ( 1 ). on XX/XX/XXXX, ( 2 ). XX/XX/XXXX and ( 3 ). XX/XX/XXXX. I have proven that no service has been rendered, by XXXX XXXX XXXX XXXX and XXXX XXXX couldn't provide Goldman Sachs with a Lease containing my signature since I told him in advance that I already had an Office Space. Goldman Sachs aka Apple Master Card has yet to clear this dispute or render a decision in my favor. I went to the XXXX XXXX Police Department to file charges, and met a Woman there for the same reason, only difference is that XXXX XXXX XXXX XXXX charged another consumer {$11000.00} for the same service they claimed to have offered me and they told us that both cases were civil.
Company Response:
State: CA
Zip: 90016
Submitted Via: Web
Date Sent: 2022-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-28
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: A transfer of {$8000.00} was made from my XXXX XXXX XXXX account to XXXX : by XXXX XXXX account on XX/XX/2022. The XXXX : by XXXX XXXX account was locked on XX/XX/2022 without any justifiable reason provided. I have made several calls to XXXX : by XXXX XXXX to return the transferred funds of {$8000.00} and it is yet to be resolved.
Company Response:
State: TX
Zip: 78753
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-28
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Marcus by Goldman Sachs contacted me and requested that I apply for a XXXX Rewards credit card from them. I applied and was approved. It has been over 6 weeks and I haven't received the card. I've called multiple times but hold times are over 30 minutes. Their online chat feature is a joke. Today ( XX/XX/2022 at XXXX pm ) I called and was on hold 25 minutes. The rep I spoke with said the card has been ordered, but hasn't been mailed. I asked why it hasn't been mailed. I couldn't understand what she said ( phone issues she claimed ). I finally told her I wanted to close the account. At that point, she terminated the call.
Company Response:
State: MT
Zip: 59601
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX I contacted apple regarding a transaction that occurred in error. Ive attempted to get this issue resolved XXXX separate times and spoke with XXXX managers that ASSURED me it would be corrected. At first I was given a XXXX day turn around on XX/XX/XXXX. Then I had called back on XX/XX/XXXX I was given XXXX days then contacted them XX/XX/XXXX I was given XXXX days then I contacted once more at the beginning of XXXX and was told again XXXX days and they could not open the review because it was locked so there was nothing that could be done but was told extensive notes would be taken and just to wait it out. I advised I would be calling back or taking further action. I have waited XXXX more weeks with no response and now it has been reported to my credit bureau about this supposed transaction that doesnt exist. In my apple statement it shows Im negative {$2100.00} which isnt allowing me to get anything using my credit. I am unable to apply for anything at this time. Ruining my credit in the process and unable to use my card for any purpose but still having to pay it. I was charged {$2100.00} on XX/XX/XXXX. The reason being was my monthly payment was supposed to be taken out on that day I had contacted apple because I can not make that high of a payment so I asked to be switched to minimum payments and so it was done. I was refunded the {$2100.00} the following day with my bank and all that was needed to be done was this to be updated on my statement ; the error corrected. The minimum payment was {$88.00}. Instead I was charged the {$2100.00} exceeding my limit and causing it to be reported to my credit bureau. Every time Ive contacted apple theyve said it was an issue on their end with different time frames as to when this would be corrected. And as of today XX/XX/XXXX its still in review. I am unable to use my card as intended ; emergency purposes and Im still having to pay off a balance that isnt mine. In no time did I purchase anything of the amount of {$2100.00} which was disclosed of many times. I also asked about a temporary credit which was also denied as to the fact that my account was in review and locked.
Company Response:
State: AZ
Zip: 85043
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-27
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: XXXX XXXX AND Goldman Sachs Marcus just completed a transfer of the XXXX XXXX ( Credit Card ) and the servicing has been horrendous. First - notifications of change in servicing was late ( letter received XX/XX/XXXX for a XX/XX/XXXX change in card ownership/servicing ) providing NO ability to serve the card at XXXX XXXX OR GS Marcus either online or through their customer service lines. Second - GS online servicing is a poor excuse for a servicing capability and is significantly worse than XXXX XXXX. When trying to view authorized users to see if one of my kids is still on the account as an auth user after they got a notification from XXXX XXXX about them being a new authorized user ( incorrect... they had always been an authorized user on our XXXX XXXX ) ; the GS Marcus website stops responding - this occurred. When attempting to call- they're still over 30 days after transfer - providing a message of significant delays in servicing because of call volume. To boot, there appears to be no way to download transactions. Third - I believe their marketing material is misleading to the point of UDAAP violations given the lack of transparency that they have significantly reduced servicing capabilities in comparison to XXXX XXXX. Goldman Sachs is all sizzle and no steak and it appears to be all about the money. If you're not watching what they're doing here - you should. While I wanted to maintain a relationship with XXXX XXXX and the XXXX XXXX- the inability for me to conduct basic servicing capabilities has me removing the card from my wallet. Taking this card out of rotation is a choice I feel I'm being forced into making on a card I opened back in XXXX ; so this isn't only extremely inconvenient, but I'm having to do it with one of my oldest cards which may have detrimental impacts on my credit score. Others finding themselves in the same situation may not have the flexibility or privilege of multiple cards to swap in like I do.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: The Apple Card has two sorely lacking areas : 1 ) dispute transparency during the investigation ; 2 ) unclear terms on paying off installment plans early. 1 ) if you open a dispute there is no where on the web on within the wallet card info, to see that you opened the dispute, the pending amount, the status or the estimate resolution time. They do make a single notation on the original transaction, but as time goes, it's hard to get to if over 30 days old. The temporary credit can't be found anywhere. You only have an email ( you don't get anything in the post mail ), which may not be the same day you call or chat to dispute the transaction. Even after dispute, there's no place to view the entire set of events, status/decision, and when the credit ( or reversal ) is applied. 2 ) Apple has no way to pay off installment plans early, though they say you can. It says if you want to pay off your instlallment early, to do so on your XXXX app in the Wallet. But you can't. I had just paid my entire balance in full by autopay, and the payment had cleared. Yet, it saw my recent charges ( not yet on any statement ) and would NOT let me. Terms only say " you must pay your balance '' - but the terms, nor any live person can specify if it is statement balance, current balance ( statement and new charges ), or current balance with new pending credits? I got different answers from XXXX people, and they were actually all wrong. I always always always pay off my statement balance in full each month. I'm also on auto pay - apparently this isn't enough if you use your card every month ( you'll always have a balance at any point ). So this month on purpose, I had to stop using my card entirely, and pay my account a week early before autopay ( and before getting my statement ), and ***I STILL could not pay off my installments early***. I called, and this time they offered to let me give them the payment for the installment pay-offs, on the phone- I mentioned I had asked to do this very thing the day after my auto payment cleared, and they said I could NOT ( then ). Suddenly I can a month later, with no different circumstances. I told them if they advertise they are an online credit card, they need to allow cusotmers to fulfill the terms for early installment payoffs, to define WHICH balance must be met, and without calling in. Clearly this is a undefined reality scenario that business and IT failed to identify. Any other card company looks at your last statement balance, and if you satisfied that, to allow you to pay installment plans early ( because they haven't yet issued a statement for the new charges ).
Company Response:
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-27
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On or about XX/XX/XXXX a fraudulent charge in the amount of {$160.00} was posted to my Apple Card ( Card ) statement. On XX/XX/XXXX when I first learned of this billing error ( 12 C.F.R. 1026.13 ( a ) ( 1 ) ) emanating from the fraudulent charge I contacted Goldman Sachs Apple Customer Service ( CS ). Using the Apple Card App ( App ) I thereupon informed CS of the fraudulent charge, disputed the entry on my periodic statement, and cancelled my compromised Card ending in XXXX. A new Card ending in XXXX was issued that day. My physical Card number remains the same, ending in XXXX. The disputed charge ( Dispute ) was denied on XX/XX/XXXX. Using the App, I contacted XXXX requesting an explanation ( 12 C.F.R. 1026.13 ( f ) ( 1 ) ). CS response was that To receive credit a reassertion is needed to be completed ( sic ) to prove that decision was invalid, without further evidence the outcome will not change. I asserted my right as set forth under 12 C.F.R. 1026.13 ( f ) ( 2 ) ) seeking copies of documentary evidence of my indebtedness. I have yet to receive these documents. I made a first reassertion ( First Reassertion ) of the Dispute to CS the same day ( XX/XX/XXXX ) using the App and was provided a Case ID of XXXX. First Reassertion was denied XX/XX/XXXX. That same day ( XX/XX/XXXX ) via the App I made a Second Reassertion of the Dispute, which was given a new Case ID of XXXX. I also again asserted my rights under 12 C.F.R. 1026.13 ( f ) ( 2 ) ) and requested documentary evidence of my indebtedness. I have yet to receive these documents either. I did, however receive an email request from CS for additional documentation from me proving I did not make the charge. I am unable to provide any such documentation, as this was a fraudulent charge that I did not make. The Fair Credit Billing Act implies that in a Dispute the presumption of innocence rests with the consumer, and not with the merchant, processor, or Card provider. The onus of proof is on the merchant, and not on me, to demonstrate that I ( and not a fraudster ) made the charge. I would expect a document with my signature on it, the IP address from which the transaction was made, location data, any correspondence between XXXX and me, copies of ( presumably ) the ticket ( s ) that were purchased, or a CVV match or whatever means by which identity was verified when the transaction was made. XXXX is unable to provide any such evidence. The transaction was fraudulent. I did not make it. Conversely, there is a preponderance of circumstantial evidence that I am more than likely to not have made the charge, and that this is a legitimate chargeback. I am not a frequent disputer. The disputed charge is not a relatively high-value charge. This is not a frivolous complaint. I proactively took steps to protect my Card account within hours of learning of this fraudulent charge and the billing error on my account by informing CS through the App and requesting a new Card number. The Card is paid in full at the end of each month. To date I have never incurred an interest charge, a penalty fee, or a late fee on this Card. I have not flown XXXX XXXX, nor have I made a purchase for myself or for anyone else from XXXX in at least the last 3 years. Both my wife and I have status on airlines other than XXXX. I would like this Dispute resolved forthwith, and request that the disputed {$160.00} charge be resolved in my favor, and thereafter that my XXXX account be closed.
Company Response:
State: CA
Zip: 94025
Submitted Via: Web
Date Sent: 2022-03-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-27
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: My XXXX XXXX XXXX credit card is now Marcus by Goldman Sachs. I lost my XXXX XXXX card and called them for a replacement on XX/XX/2022 I was told that the card would be shipped via XXXX and that I should have it soon. When I had yet to receive the card, I called Marcus by Goldman Sachs again on XX/XX/2022 and was told the same thing again. Here it was on XX/XX/2022 I called them again because I still have yet to receive a card and only keep getting told that it is ordered and on the way. I know it should not take this long.
Company Response:
State: IN
Zip: 46268
Submitted Via: Web
Date Sent: 2022-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was put on as an authorized user in XX/XX/2021. After I saw the negative affects of being an authorized user, I was swiftly taken off as an authorized user XX/XX/2021. I filed a dispute with XXXX and they said they resolved it but the credit card still appears as open on account with the debt still there and has not been updated off of my account. This is hindering me from getting my own card and also bringing my credit score back up. I confirmed with Apple and they agreed that I was taken off XX/XX/XXXX and now it is about to be XXXX.
Company Response:
State: NJ
Zip: 07018
Submitted Via: Web
Date Sent: 2022-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-25
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I was approved for a GM Rewards ( issued by Marcus by Goldman ) credit card in XXXX XXXX XXXX. I wanted to take advantage of the 9 month interest-free period, so I attempted to immediately charge a vacation using the virtual card provided to me on the website. The charge was declined multiple times. The physical card came to me in the mail but I was unable to activate it. This is because on the website, it said my card was " restricted ''. Over the next 3 weeks, I made 3 calls in an attempt to remove this restriction so that I may use the card. I spent approximately 9 hours on hold. Each time I was told that they could not help me, but someone would be calling my cell phone to speak with me to rectify this. I received zero phone calls. On XX/XX/XXXX, I did a 3 hour online chat with XXXX XXXX XXXX. She claimed that there were XXXX levels to my restriction and she was unable to get through all of them. I was then told, again, that someone would be calling me. They have not. I have lost time of the interest-free period I could have been using to pay off my vacation. I have also sustained damage to my credit score for the inquiry to be approved for this card that I am unable to use.
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A