Date Received: 2022-03-21
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: They used my SSN and used this to deny me credit due to my credit score with XXXX. I was denied an extension of credit by Apple Card- through Goldman Sachs Band on XX/XX/2022. They have proclaimed an adverse action against me as a consumer. Pursuant 15 USC Code 1691 ( c ) and they assume civil liability, pursuant to 15 USC Code 1691 ( k ). They have violated my federal protected consumer rights : 15 USC Code 1642 ; 15 USC Code 1681M ; and 12 CFR 1002.
Company Response:
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2022, I completed an Apple Card credit application and was denied. I do not agree with this decision as my credit was considered and I did not receive the credit in the fair exchange of this process. Best Regards, XXXX XXXX
Company Response:
State: GA
Zip: 30035
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XXXX 2018, GS Bank Usa., added a derogatory remark on my credit report per credit karma and XXXX. Upon further research this account was transferred/sold, and I am no longer responsible for this account. Debtors ' creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for the accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and say it's mine. According to the FCRA Enhanced GS Bank USA, has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Company Response:
State: FL
Zip: 33617
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-19
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Marcus by Goldman Sachs took over the XXXX XXXX XXXX on XX/XX/2022. Many customers, myself included, still have no credit card and no statements. We keep getting told it's a few weeks out - it has almost been a month. It takes hours on hold to get through to their customer service. They do not list an address to mail in payments on their site not do they have a, that I have been able to find anyway to reach out to them except on XXXX. I am at least savvy enough to know how to get online and check my statement but what of all those with no internet access or that are not comfortable navigating their way around the web. Also at present we are FORCED to link our bank accounts to make a payment on their site. If they can't be trusted to get me my statements and my new card why should they be trusted with my bank information. This conversion has been bungled from the start with lack of response, lack of ways to contact to ask questions and lack of vital information namely our actually cards/account numbers and statements. Marcus seems unable or unwilling to do anything about it expect to continually tell us to wait a few more weeks.
Company Response:
State: ID
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My account ( and multiple others ) were compromised as apart of theft on new years day of 2022. XXXX bank and Bank XXXX XXXX quickly resolved those issues. Apple ( via goldman sachs ) did not. Access to my accounts was locked by apple and unrecoverable PER APPLE. Payment of the account was impossible due to this. 10 days after the account was " past due '' apple sent a notice in the mail along with charges ( many of which were still fraudulent and were racking up interest charges ). I then promptly submitted payment. After that a month later they submitted to the credit agencies that i was 30+ days late. THIS IS FALSE!! I have now paid this account down to zero and plan on closing it. The negative remarks on my credit report are effecting my credit report scores. The interest charges for fraudulent charges is negatively effecting my money.
Company Response:
State: FL
Zip: 33607
Submitted Via: Web
Date Sent: 2022-03-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-18
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 Monday XX/XX/XXXX I submitted a dispute to my apple credit card company Goldman Sachs Bank, for a flight that was purchased from XXXX XXXX to XXXX XXXX for the date of XX/XX/XXXX of 2022. Because of COVID restrictions the country of XXXX was not allowing XXXX American Citizens or residents into the country, therefore I had to cancel the flight with a total cost of XXXX. When I tried to cancel the airline was not willing to provide me a full refund for this matter. So I turned to my credit card company to file a dispute. Since the credit card company took too long in the dispute process the time of travel passed and the airline denied me a refund, calming the tickets were issued, But my family and I Never traveled. So now there is a XXXX charge on my credit card for a flight that I did not take and could have not taken due to Covid-19 restrictions. After being denied the dispute I reached out to the credit card company again for help and they denied me any more help. All they did was open up two more disputes that resulted in the same final decision that they would not refund me the money.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2022-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Golden Sach is refusing to update all three credit reports.
Company Response:
State: CA
Zip: 94544
Submitted Via: Web
Date Sent: 2022-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-18
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: Fraud was detected on my card on XX/XX/XXXX, unfortunately that was the same day that XXXX took over being the processor from XXXX XXXX. After waiting on hold for over two hours they ordered me a card, the card never came so they ordered another, that never came ... Bottom line is as of XX/XX/XXXX I still do not have a card. History shows card ending in XXXX on XXXX, card ending in XXXX on XXXX, card ending in XXXX on XX/XX/XXXX, which I am still waiting on. Trying to reach customer is an hour wait each time. I been hung on by CS reps, I ask to speak to a manager and they decline, say they will call you if they need anything. In addition the GM rewards associated with the account are all wrong on the statements. They also reduced my cash advanced limit from XXXX to XXXX, keep in mind my credit score is XXXX so why? I also have an issue with not being able to move around the website, even after logged in, without having to be sent an Authorization Code to view my account. This bank is not ready to be a processor of credit cards nor are the CS reps trained properly
Company Response:
State: NY
Zip: 11784
Submitted Via: Web
Date Sent: 2022-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-18
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 XXXX I checked into the XXXX XXXX XXXX in XXXX for a business related trip. Despite there being two cards on file from my company, they asked to charge a hold on my personal card. Later on, my company told me they should absolutely not be doing this. I informed the hotel front desk to remove this charge I was told it should be in 24 hours. It still was not, I was then told after I checked out on XX/XX/XXXX, its going on 4 days after ( XX/XX/XXXX ) I checked out and still no resolution. I contacted on XX/XX/XXXX my credit card company, Apple Card/ Goldman Sachs Bank for assistance XXXX they kept bouncing me back to XXXX XXXX I spoke to the general manager at the XXXX XXXX on XX/XX/XXXX who confirmed the hold should be released and provided me with a document for Goldman Sachs bank to confirm this should be removed. Goldman Sachs bank and their managers did not seem interested in the note from the hotel, nor helping me resolve this issue as of XX/XX/XXXX. My money is at this point being held hostage by two companies and I see no end in sight to get it back. I am asking for the help of the CFBP to fix this issue but also to investigate these suspicious dispute processes and customer service support offered by Goldman Sachs Bank/ Apple Card XXXX Feel free to contact me for more information. INVOLVED COMPANIES : XXXX XXXX Goldman Sachs Bank USA/ Apple Card
Company Response:
State: AZ
Zip: 85331
Submitted Via: Web
Date Sent: 2022-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-17
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: Name of the Credit Card ( Apple Card ) Prior purchasing an XXXX from XXXX XXXX, Apple Card was contacted to inquire about their card cash back policy. I called, was informed that it is XXXX XXXX. I ordered my XXXX, using Apple Card, but suddenly I found the expected cash back XXXX XXXX. I called again, but they apologized, then decided to return back merchandise, expecting that would be the end of the transaction like any other credit card. But, surprised to find out that I was in debt of over {$40.00}. My credit report was affected, and I file a dispute with the XXXX XXXX XXXX " XXXX '' which they advised to call Apple Card. I have called Apple Card repeatedly, but got nothing to understand when listening to their explanation, except they not only the Apple Card by itself, but its derivatives like XXXX XXXX, Daily Cash,... etc. which I have nothing to do with all of that. Moreover, when I tried to pay my XXXX service charge of {$1.00} which should be paid by my XXXX XXXX XXXX XXXX Credit Card, it's automatically charged to Apple Card, which I have no clue about the monopoly of Apple Card to swallow any purchase transaction done by XXXX XXXX, as I have not agreed to any of these limitations. Please be advised that, finally Apple Card made an adjustment to XXXX Balance when I tried to get help from XXXX XXXX " that is what I thought ''. Few days later, I was also requested to make a last payment made by Apple Card of {$1.00} for XXXX charge which I did by sending a check to the Apple Card address. Unfortunately, this is followed by receiving repeated messages on my phone requesting payment of unknown earlier balance ( over {$40.00} ), which I repeatedly responded that this is unearned money I can't pay, and requested the termination of my card, as well as, stopping further harassment. but, they opt to continue. Naturally, my XXXX XXXX is negatively affected. As a XXXX XXXX XXXX senior citizen, your assistance in putting an effective end to these infractions directed to consumers is appreciated.
Company Response:
State: WI
Zip: 53221
Submitted Via: Web
Date Sent: 2022-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A