Date Received: 2022-03-25
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 mailed a dispute letter with supporting documentation twice regarding a couple of charges from XXXX on my Goldman Sachs XXXX XXXX. The first mailing was with no tracking number, however, I sent the 2nd submission as USPS Priority Mail, tracking : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX See attachments for docs...
Company Response:
State: CT
Zip: 06492
Submitted Via: Web
Date Sent: 2022-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-25
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: My name is XXXX XXXX, I am filing this complaint on my own behalf. On XXXX XXXX I sent out a cease and desist and letter to validate an alleged debt owed to Goldman Sachs through Apple Card. I have a green receipt to prove the letters was received at their facility. I received a green slip certifying that the letters were received at my mailing address just after XX/XX/2022. Goldman Sachs and Apple Card has failed to comply to my request to cease all mediums of communication. They have repeatedly called my phone multiple times, violating and failing to cease communication per my request. They have also left several voice messages, which is harassing.
Company Response:
State: WA
Zip: 98029
Submitted Via: Web
Date Sent: 2022-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have a Apple credit card account with Goldman Sachs, and during the pandemic I faced several hardships that caused me to miss one payment. And under the CARES ACT 2020 I was eligible to pandemic assistance and Goldman Sachs never initiated the assistance after several calls. I have one late payment which they told me would be removed under the CARES ACT and a courtesy update removal. But nothing has been done.
Company Response:
State: FL
Zip: 33327
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-25
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I enrolled in a Marcus Bank ( by Goldman Sachs ) promotion on XX/XX/XXXX that, depositing {$10000.00} into my online savings account for 90 days and getting a {$100.00} bonus. I originally had {$5000.00} in that account before the new deposit and had set up a recurring transfer the {$5000.00} out and in to keep the account active. I never withdraw the {$10000.00} new money that I deposited on XX/XX/XXXX, and my account balance never fell below {$10000.00}. However, today the Marcus Bank representative told me because I moved the original {$5000.00} ( that's not related to the {$10000.00} new money ) in and out, I lost the promotion. That's unfair because I never touched the {$10000.00} new fund, I only moved the {$5000.00} that's already been in the account long before the new deposit happened.
Company Response:
State: NY
Zip: 10128
Submitted Via: Web
Date Sent: 2022-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Money was not available when promised
Subissue:
Consumer Complaint: On XX/XX/2022, I initiated a wire transfer with Marcus by Goldman Sachs to close on the purchase of my new home. I was told that since I initiated the transfer before XXXX XXXX ET ( it was scheduled at XXXX XXXX ET ) that it would transact on the same business day. I called Marcus at XXXX XXXX ET to see why the wire had not gone through and they told me it was in review and that it would go through before close of business. At XXXX XXXX ET I called back to check and they told me that while they do sometimes wire transfer funds to third parties, that exception would not be granted to me. They told me that the best they could do was send the money to my personal external account and since it was after XXXX XXXX ET, I wouldnt receive the funds until the next day. At this point Id already missed closing on my home purchase, so initiated the wire transfer to my personal account and waited until the next business day to check if the funds had transferred. They hadnt. As of now, the funds are still not in my account and I still have not closed on my home purchase. I deposited a very large sum of money in my Marcus account and it appears that I cant take it out. Im concerned and frustrated by their incompetence.
Company Response:
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Ive had this card over 2 plus years with a total of XXXX credit limit. XXXX Goldman Sachs closed my account without writing to me prior to that. It states There was a failure to comply with the terms of the Customer Agreement. However they cant tell me which terms were failed to comply with. I been speaking to their customer care often to open us escalated cases to understand why, but I dont get a valid response for this matter
Company Response:
State: NY
Zip: 10467
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XX/XX/2022 I requested a limit increase on my Apple Card. I was denied because I did not cover a significant portion of my monthly balance. My credit utilization at the time was less than 15 %. I know this adverse action was unlawful was because I know my rights as a consumer that I can not be denied an extension for my own credit. This card is used to get me through school and pay for books and this is causing mental anguish. XXXX also provided them a copy of my credit report without my permission.
Company Response:
State: GA
Zip: 30106
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: AN ACCOUNT IS BEING REPORTED ON MY CREDIT REPORT, I HAVE SENT MANY LETTERS ASKING HOW THIS ACCOUNT BELONGS TO MY AND IF ANY DOCUMENTATION COULD BE SENT TO VALIDATE THIS ACCOUNT. I HAVE NOT RECEIVED ANY INFORMATION. I HAVE SENT IN FTC REPORTS AND POLICE REPORTS AS PROVE AND IT AS GONE UNFOUNDED.
Company Response:
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX I contacted Goldman Sachs about my Apple Card. The app setup my auto payment to pay full balance monthly. I didnt notice it until I saw a payment of XXXX. I called for it to be reversed or cancelled and the rep processed it. On XX/XX/XXXX I noticed a declined transaction due to over my {$3500.00} limit. I new I havent used the card that much so when I checked my balance was {$4800.00}. They doubled the reversal. They have been reporting that over limit balance to the credit agency plus charging me interest. I contacted them again XXXX, and XX/XX/XXXX to get different stories each time. The last was a supervisor that said she has seen this many times but never heard on one being resolved. I was told everything to 3 days, 7 days, 10 days, 30 days and 90 days to get fixed. They finally sent an email saying the dispute was rejected. This is simple math. I also checked with my bank and I only received one refund from them as one of the supervisors said the problem was due to multiple refunds. I have seen others on forums complaining about the same thing. This means they are stealing money via interest or payments made for an error in their behalf. This is not legal. Please advise.
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I contacted XXXX regarding the credit card issued by Goldman Sachs. In my correspondence, I explained about billing error and asked them to send me documentary evidence for this account. They have responded with an email that does not address my correspondence to them. I have called them and no one seems to be able to assist or act like they don't know what I am talking about. I have also sent them an endorsed coupon which they received ( everything was in the same envelope ) They have not contacted me to let me know whether they will honor it or not, neither have they returned it, yet the balance has not been updated. They continue saying they are a paperless company and continue to violate federal laws, as 12 CFR 1026.13 ( a ) ( 7 ) clearly states the creditor must mail statements to the last known address. They have also received my billing error notice package and signed for it on XX/XX/2022 by XXXX XXXX at XXXX ( see attached ). On the email I received XX/XX/2022, XXXXXXXX XXXX they do not address any of the Billing Error Notice I sent, therefore this does not constitute as acknowledgment of the correspondence I sent as required by 12 CFR 1026.13 ( c ) ( 1 ). They also continue collection action on the disputed amount as of the moment I am typing this complaint, nor have they sent documentary evidence for this account as requested. I also requested them to refund all monies paid until this moment, and that has not been addressed either. I requested them to give me access to my open-end credit and I zero it out at the end of every billing period, and still they have not done so.
Company Response:
State: FL
Zip: 33135
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A