Date Received: 2022-02-28
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Marcus by Goldman arbitrarily and capriciously will not allow me to unlock a card I had temporarily locked nor will they allow me to request a new card. Whether this is due to gross incompetence by their technology department or because this is intentional is unknown. I am stranded, however, because of Marcuss misconduct here.
Company Response:
State: NC
Zip: 28208
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-27
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: I am being forced to switch my XXXX card from XXXX XXXX to Marcus Goldman Sachs. I am not able to pay my bill because the Marcus app and website does not work. I am not able to even create an account to access anything.
Company Response:
State: IA
Zip: 50021
Submitted Via: Web
Date Sent: 2022-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: This investigation took more than 30 days and I have not heard a response from the reporting agencies. This item that is on my report is reporting inaccurate information.
Company Response:
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2022-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: This investigation took more than 30 days and I have not heard a response from the reporting agencies. This item that is on my report is reporting inaccurate information.
Company Response:
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2022-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: This investigation took more than 30 days and I have not heard a response from the reporting agencies. This item that is on my report is reporting inaccurate information.
Company Response:
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2022-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I purchased my new XXXX XXXX XXXX XXXX at the end of XXXX, and have been very happy with it except for one detail. I wanted to sign up for XXXX XXXX with the new Goldman Sachs Apple Card, but each time that I've uploaded my driver 's license for the application for the Apple Card, I keep getting the message that my identity can not be verified. I've done it about 10 times now, and each picture of my license ( front and back ) has been perfectly clear. There have been no errors in my applications, and no one at XXXX XXXX, Apple Card Support, or Goldman Sachs can tell me what the problem is. I've been promised 3 return calls now from Goldman Sachs and Apple Card Support over the past week that have never come.
Company Response:
State: NM
Zip: 871XX
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-26
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I recently applied for an Apple card through Goldman Sachs Bank USA-based an invitation from XXXX. I submitted the information, a copy of the driver 's license. Over a period of 7 days, I received information that my identity could not be verified. So I resubmitted the information and again I got the message about my identity not being able to be verified. I contacted XXXX XXXX XXXX and they could not explain why such a statement about identity could not be verified. That is critical because I need to know why. XXXX XXXX XXXX communicated that it is related to the information that is reported by the credit agencies. I was told that they would escalate this and contact me to discuss their findings. As of today, XX/XX/2022, no one has contacted me from Goldman Sachs.
Company Response:
State: GA
Zip: 30040
Submitted Via: Web
Date Sent: 2022-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
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: Hi, I made a payment to Goldman Sachs, who houses the Apple Credit Card, on XX/XX/2022. I was in the process of switching my checking account and I used the wrong account to pay my bill that day. I realized either that same day or the next day, XX/XX/2022, that I had used the wrong account number ( that account had {$0.00} ) in it. I quickly reach out to Apple Card and explained that I would like to cancel that payment, if it was not too late to do so, and resubmit my payment with the correct information. I resubmitted my payment of {$1800.00} on XX/XX/2022 ; however, it may have posted on XX/XX/2022. I saw that my card had, and still has, the exact same amount I paid of {$1800.00} listed as a balance adjustment, which essentially means they added that same amount to my overall balance, which I now have to pay interest on. I reached out multiple times to Apple Card to figure out how to remove the balance adjustment as they received the funds from the correct account. One person I spoke with along this journey told me the balance adjustment was a courtesy to me until my payment could be settled, and that it should drop off in a few days. I waited the few days and I still see that my payment showed as posted on their app and that the money was indeed debited from the correct account but the balance adjustment still reflected on my account. I reached out once again once a few days had passed, mainly just waiting to see if my balance would be adjusted automatically, but this was not the case. But I called and got to speak to a manager this time. Th gist of that conversation is as follows : I pleaded for the {$1800.00} BALANCE on my account, which I have paid, to please be removed from my ledger to reflect my true balance, which should be close to {$690.00} ( or something like that ). The manager told me that the balance adjustment is a courtesy to me. I do not find that this is a courtesy ; Im paying 15.99 % APR on a balance amount they have confirmed Ive paid, but they fail to remove the adjustment. I was told, in a roundabout way, that since I had cancelled a payment that this is the protocol. I kindly explained to the manager i spoke with that had I known me cancelling a payment would invoke this slew of processes that I would have ultimately waited for the banks to just sort it out and I wouldve resubmitted it in a few days. She even acknowledged that this is confusing and she is aware it doesnt make any sense but this is their process for when these events happen. My credit limit has been increased two times, both without my consent, while this ordeal is still being sorted out. It got raised on/around XX/XX/2022 and then I get notified that today, XX/XX/2022, it has been raised again. I would like to launch a formal investigation into Goldman Sachs/Apple Card . I feel that since I resubmitted the payment and it has posted that I no longer need the courtesy on my account. I am unsure of the date I opened the payment dispute, but I believe it has been at least two weeks since I opened up my initial balance dispute and have gotten no response, only a credit limit increase. I hope this is enough information; please let me know if I need to provide any further details. I uploaded screenshots from my bank app showing they have received their money.
Company Response:
State: MI
Zip: 48197
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have made all my payments on time but was surprised to see that GS Bank who issued my Apple Card reported my account 30 days late for XXXX 2022. I'm in the process of purchasing a house and if the late report is not removed, My loan is going to be denied. I contacted the customer service number and was told the late report was going to be removed but nothing has been done so far.
Company Response:
State: CO
Zip: 80249
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
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: Transaction date : XXXX XXXX, XXXX XXXX name : XXXX Disputed amount : {$4900.00} Reason for dispute : merchant claims they never received the return. Apple card rejects my case and sends a letter in the mail stating the merchant never received my return. ( See attached doc ) Apple card closed this case XX/XX/XXXX stating " The XXXX evidence states the Customer initiated a return and returned the item to the XXXX outside of the return window timeframe. '' PLEASE SEE THE CONSUMER FINANCE COMPLAINT ( XXXX ) Dispute : XXXX Apple Card closed the re-asserted case XX/XX/XXXX with a different reason " The Merchant received the merchandise on XX/XX/XXXX, and shipped the merchandise back to the XXXX " PLEASE SEE THE CONSUMER FINANCE COMPLAINT ( XXXX ) Apple card Goldman Sachs keeps changing the reason why they won't refund me and continues to side with the merchant without providing me any evidence from the merchant. THIS IS COMPLETE FRAUD. Each time I send them new evidence to disprove their claims, they change the reason why they can't refund me! APPLE CARD GOLDMAN SACHS HAS NOT PROVIDED ANY EVIDENCE THE MERCHANT SENT THE ITEM BACK TO ME VIA MY MAILING ADDRESS NOR HAS GOLDMAN SACHS SENT ME A LETTER IN THE MAIL STATING THIS NEW CLAIM. APPLE CARD GOLDMAN SACHS IS COMMITTING FRAUD.
Company Response:
State: CA
Zip: 90241
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A