Date Received: 2022-02-18
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX, I accepted a payment of {$860.00} from our customer through a XXXX XXXX terminal, using my XXXX XXXX as a hotspot. The payment was credited normally and the money transferred to our bank account. On XXXX XXXX, I noticed that my XXXX showed that my Goldman Sachs card had recorded a purchase of {$860.00} on XXXX XXXX, and the merchant listed was our own company. I initiated a dispute, XXXX, that same day, by chat in XXXX, and forwarded a copy of our XXXX statement as documentation. I was told that a dispute would be opened with the merchant, XXXX XXXX XXXX XXXX. Our own business name is XXXX 's. We were not contacted about this, as the merchant. They believe that we are the buyer as well as the seller, however they have not properly investigated this or they would see the absurdity of it. On XX/XX/XXXX XXXX requested more information by XX/XX/XXXX. I replied by email that same day, explaining what happened, and why the charge was in error, again including our XXXX documentation. On XX/XX/XXXX I received an email that the dispute XXXX, was not resolved in our favor. The {$860.00} was again added to our billing statement in XXXX. The explanation given was " The evidence received shows that no credit is due because you agreed to the merchants terms and condition at the time of purchase ''. But we made no such purchase, and we are the supposed merchant! I submitted a new dispute on XX/XX/XXXX, XXXX, in a recorded phone call and received acknowledgement on XX/XX/XXXX, and a request for more information came on XX/XX/XXXX. I mailed a lengthy reply with documentation by XXXX to the address indicated, XXXX XXXX, XXXX, PA, but it was returned almost two months later as " undeliverable ''. I then re-mailed it to Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. It was delivered to them on XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX I received an email that the dispute was not resolved in our favor. I then disputed it again, XXXX, on Sunday, XX/XX/XXXX and mailed by XXXX certified mail a detailed letter and documentation. I included as before a copy of our PA sales tax license, our home improvement contractor 's PA license, Transaction details from the XXXX payment of XX/XX/XXXX XXXX receipt showing the last XXXX digits of our customers XXXX payment dated XX/XX/XXXX Copy of our invoice XXXX to our customer that was paid, documenting the amount Photocopy of the front and back of our XXXX terminal I have no confidence that this third dispute will be resolved in our favor, and I have contacted a local attorney to represent us against Goldman Sachs.
Company Response:
State: PA
Zip: 179XX
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
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: I made at a purchase at XXXX XXXX XXXX for {$1400.00} and {$570.00} on XX/XX/XXXX. I returned the items to XXXX via XXXX. In summary, I returned my items and XXXX claimed they never received them. Below I am going to type out a more detailed description of what occurred along with screenshots to back it up. I have labeled the attachments accordingly. Attachment 1 shows my order in its entirety and that it was purchased on XX/XX/2021. I tried to replicate my cart but there was no return options on the screen so I went on their website and discovered that their return policy is a 30 day return window which is shown in attachment 2. I reached out to them on XX/XX/2021 asking for a return and they emailed a link for XXXX return items. I downloaded the shipping labels. Attachment below are the shipping labels which were provided from those links. Those were the shipping labels I attached to my returns and dropped off with XXXX. Also attached below is proof that my returns were delivered. The tracking numbers at the top of the XXXX page show that they match the labels I used. Also in attachments, shows the returns were signed for by a XXXX on XX/XX/2021. All of this was within the 30 day return period which was provided in attachment 2. After not hearing anything from them for a week or XXXX, I reached out via their chat function and they told me they would escalate it to a supervisor. I asked for the chat logs of that chat but XXXX refused to give me the chat logs. After numerous attempts of calling them, no one could provide me an answer or refund so I went the bank dispute route. Apple card with goldman sachs has been absolutely awful to work with. To begin with, I've sent them all this information beginning on XX/XX/XXXX when I opened the dispute. Since then they have continuously denied my disputes with nothing but reset answers and refuse to help me anymore. I requested the dispute information be sent to me XXXX times ( first time on XX/XX/XXXX ) and not once have they sent me the information that helped them make their decision. I returned these items and showed my return was delivered but for some reason they still are denying me. Now they are asking me to pay them so ill be out of the money and now i don't even have the items. They are bullying me and I can't do anything about. They've been rude to me and can't help but provide scripted answers to anything. Ive disputed, ive appealed but to no avail and through the whole price goldman sachs and apple card have been absolutely useless. ( the attachments provided show my return labels and the subsequent proof of delivery of those returns to XXXX provided to me by XXXX )
Company Response:
State: NY
Zip: 10033
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
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: I have informed apple credit card that XXXX XXXX XXXX charged {$960.00}. 16 me to fix m car light system but they never fixed the issue and the workshop technician wrote that in a report. Then it was fixed in another work shop for only {$150.00}. The workshop refused to refund me and the bank took 2 months investigation then sent an email that it was resolved to my favor two days later another email came and said it wasnt solved to my favor!!. I asked to reopen the dispute the kept ignoring my request and after two or 3 months they agreed then a week later, replied that they need a third opinion- which is impossible because there is no means to get the light defect back again and see what the workshop did in my car- the report from the workshop proves in writing that the defect was never fixed and they tried to balm an accident which is a year old to cover up their stealing. I send my bank the report from the second workshop that fixed the defect and they refused to accept it. This is not a small amount of money plus the money I paid for rent the car while they kept in the workshop that made me pay for a service that I never received.
Company Response:
State: FL
Zip: 34746
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I was denied an apple credit card on the date of XX/XX/XXXX through the bank Goldman Sachs which is extremely inconvenient due to the fact I am the original creditor pursuant to 15 U.S.C. 1692a ( 4 ). I know that it is unlawful for alleged creditors to discriminate to consumers in the midst of a credit transaction pursuant to 15 U.S.C. 1691 ( a ). I am aware of the duties of the bank taking adverse action, the XXXX was unable to provide me with specific information regarding why the adverse action was taken.
Company Response:
State: FL
Zip: 32811
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are account review inquiries on my XXXX credit report that I would like removed because they are fraudulent. (I know they do not hurt my credit score, but I would like them removed, as they are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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Company Response:
State: IN
Zip: 46032
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: Problem when making payments
Subissue:
Consumer Complaint: This is a Notice for a Conditional Acceptance and an Addendum/Continuance to any and all previously sent correspondences and recently sent Notice for Conditional Acceptance via Certified Mail # XXXX XXXX XXXX XXXX XXXX, of which the Postal Rule is now applicable upon the receipt of this and the uploaded Conditional Acceptance. The beneficiary of the Social Security Cestui que Trust ALL CAPITAL LETTERS NAME and any derivative thereof of beneficiary classified as " COMPLAINANT '' within this CFPB Trust, which is in fact a Trust business entity ( hereafter Trust or ALL CAPITAL LETTERS name or any derivative thereof ) requires that Respondent who is a flesh and blood man dba a Social Security Cestui que Trust ALL CAPITAL LETTERS NAME, which is also a Trust Business Entity in the name of Respondent, who is also dba the XXXX of MARCUS BY GOLDMAN SACHS ( hereafter GOLDMAN SACHS, also a Trust Business Entity ) hereby answer the following 11 questions. This beneficiary hereby conditionally accepts the response ( s ), claim ( s ) and offer ( s ) made by the Respondent upon the proof of claim that : 1. That this action is not a Social Security Cestui que Trust action? 2. That GOLDMAN SACHS is not a securities intermediary and held to a fiduciary capacity with responsibilities as a Trustee within this Trust action? 3. That GOLDMAN SACHS did not buy, sell, securitize, underwrite, fractionalize or create bonds from any instrument, application, " loan '' agreement signed ( in wet ink or electronically ) by the beneficiary of said Trust? 4. Was the alleged " Loan '' from GOLDMAN SACHS not created from the Trust on behalf of the beneficiary of said Trust? 5. That the previously sent XXXX 1 and other supporting sent correspondences does not give the beneficiary of this action the highest claim to said Trust and of this Trust action? 6. That Respondent is not under fiduciary obligations? 7. Can Respondent show cause that Respondent has not breached nor benefitted from said Trust by completing a full audit and accounting of the created Trust account? 8. Has Respondent completed all of the required tax filings 1099-OID, 1096, W-9, 1040-V and 1099-A and all other required forms with the Internal Revenue Service pertaining to this Trust action ? 9. Who has the highest vested interest and has the highest claim within this Trust action, beneficiary or Trustee? 10. Did Respondent 's account ledgers/books increase in funds after depositing said negotiable instrument called a " LOAN AGREEMENT '' into its account on record? 11. Was deposit increase reported to the Internal Revenue Service as a capital gain ( s ) tax? These are direct questions to Respondent and are hereby required to answer. Any acquiesce or non-response to the above questions is agreement to this contract and that Respondent therefore accepts and agrees to all liabilities including, but not limited to paying the fee of five million ( {>= $1,000,000} ) and an additional ten thousand ( {$10000.00} ) per day in the money of account, in gold and/or silver coin or in USD equivalent for damages incurred by the beneficiary of this Trust account. The above stated and uploaded files were not addressed and respondent has acquiesced to this beneficiary 's claims and counter-claims on numerous occasions and is now in default status as per administrative remedy and has been estopped from any and all negative actions taken against the beneficiary of this Trust. The Respondent 's response is a generic and has no lawful basis or relevancy to continue to disregard the stipulated facts stated within this CFPB case including but not limited to all stated in the CFPB COMPLAINT ID # XXXX ; XXXX and XXXX. Therefore I strongly suggest that this claim remain open and this claim be sent to the proper authorities and/or agency/agencies that can best investigate and remedy beneficiary 's issues, concerns and protected rights within this action and claim upon said Trust account.
Company Response:
State: NJ
Zip: 07202
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
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: I have disputed a merchant taking money from my account for XXXX on XXXX XX/XX/XXXX. The dispute was resolved in my favor. However, after a month to XXXX XX/XX/XXXX each month the merchant which is XXXX charging my account again. I started a dispute with XXXX XXXX about the merchant and requested for the bank to block the merchant from charging my card. I changed credit card number for a few times but they still being able to charge my card. The bank refused to do anything about that. Dispute case number : XXXX
Company Response:
State: WA
Zip: 98001
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
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: There are two items on my Apple Credit Card that I do not seem to be able to get Goldman Sachs to resolve. I understand they are extremely new to consumer credit cards, but it is nearly impossible to get any documentation out of them and to keep track of anything going on with the investigations. I am uncertain if they ever look at the supporting documentation provided via email. The transactions I am having issues with are {$560.00} from XXXX on XX/XX/2021 and {$290.00} from XXXX on XXXX/XXXX/2021. I have brought these to XXXX 's attention several times but have been unable to workout a proper resolution for either. I have never received the purchase from XXXX to this day and have been unable to resolve the issue with the company ( it is an independent seller within XXXX platform that sold me shoes but never delivered ), and XXXX delivered another item in place of what I actually ordered in XXXX and I've been unable to resolve the issue either with Goldman or XXXX. For above reasons, I'm looking to dispute both transactions and have {$860.00} credited to my Apple Credit Card.
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have been using my Goldman-Sach 's Apple Credit Card for the cash back awards. Recently, I've been making larger, more frequent payments which resulted in part of my credit limit being put on hold for ten days. I have a {$5500.00} credit limit but like to use the card and pay it back right away for the daily cash back benefits. XX/XX/XXXX I made a payment in the amount of {$1000.00} XX/XX/XXXX I made a payment in the amount of {$960.00} XX/XX/XXXX I made two payments, one for {$1200.00} and also {$3000.00} XX/XX/XXXX I tried to make a small purchase in the amount of {$490.00} which was declined for " over spending limit ''. I checked my bank account and saw both payments {$1200.00} and {$3000.00} had already been debited from my checking on XX/XX/XXXX, so I thought I would wait 1 additional day for the payments to reflect in the available credit. The following day, XX/XX/XXXX I called into their customer service and was told both of my payments from XX/XX/XXXX were " put on hold ''. The representative was not able to explain why the payments were put on hold ; but, she was able to release the smaller one for {$1200.00}. Over the weekend I kept checking my account to see the {$3000.00} in my available credit to no avail. I called back on Monday XX/XX/XXXX and asked to speak to a supervisor or manager and was told although the {$3000.00} posted as a payment my available credit would be on hold on until XX/XX/XXXX. I became agitated at the fact they would place a hold for ten days even though they debited my checking and already got their money. I was told I was making payments too large and too frequently which impacted my available credit. Since this poses no additional risk to the credit card company I became infuriated and asked to speak to someone else above that supervisor or manager and was told there was nobody above her I could speak to and nothing she could do, I had to wait until XX/XX/XXXX. My complaint is that I believe they are holding or suspending my available credit because I use the card and pay it back right away, taking advantage of the cash back benefits which, in my opinion, the company is trying to prevent me from using their benefits.
Company Response:
State: CA
Zip: 91913
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have a savings account with Marcus by Goldman Sachs that I forgot about and haven't logged into in several years. I just received a letter in the mail saying that I needed to claim ownership of my account or my funds would be sent to the state. On XX/XX/2022 I tried logging into my XXXX account and it was locked. When I called the first time I was placed on hold for close to an hour and told my account was on hold because of a transfer from an external account that didn't go through. I was told to call my external bank and ask why the transfer to the XXXX account didn't go through and call back and let them know why so they could lift the hold from my account. I did so and when I called back the second time I tried explaining everything to the " specialist '' and he had no idea what I was talking about. There were no notes on his computer about the call I had just made a half hour prior. He also said that a failed transfer wouldn't cause my account to be on hold and have me locked out. He couldn't even tell me why my account was on hold. He placed me on hold for another half hour just to come back and tell me that my account had already been submitted for review and there was nothing he could do. He could have told me that before putting me on hold and wasting my time. Over two hours of talking to these people and told two conflicting stories just for this to happen. I was told I would get a call back from another specialist in 48 hours. It's now XX/XX/2022 and still no call back. I just want to close my account. I want nothing more to do with this bank and their terrible so called specialists and just want to close the account so I can get my money back!
Company Response:
State: PA
Zip: 18103
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A