Date Received: 2022-01-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I bought a computer and a phone and after speaking with several managers and customer service from the Bank and XXXX support they still have not put my laptop on an installment plan. I have asked them several times and THEY DO NOT HELP! at all. They ignore my request, instead, they promised me that the computer will be enrolled into a plan and the following month the bill ends up higher. This is the worse customer service bank I have ever seen. Also, they do not fix anything instead it is getting worse. For example, last month I paid {$140.00} and this month my bill is {$200.00}. THE WORSE...
Company Response:
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2022-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-29
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied again and got this message " Thanks for your interest in the XXXX XXXX XXXX XXXX from Marcus by Goldman Sachs. Were sorry to let you know we cant approve your credit application because you have applied too many times within a 30-day window. Please note that this is a protective measure intended to prevent fraud rings from repeatedly guessing your personal identification information in order to gain application approval. This decision will not impact your credit score. We appreciate you considering the XXXX XXXX XXXX XXXX. '' Talk about the pot calling the kettle black. Listen ... .I applied for that XXXX card. 6 times. Tonight. Check this out - the tax code contains provisions for " debt instruments ''. I assume that a debt instrument may be drawn on an employer identification number ordering the payment of information. Being that banks give credit ( really they give information ) in exchange for the information you provide on your application, which I presume is a 1031 exchange of real property under 26 USC 1031. I presume that this is the case because a business owner applying for business credit would have to use his/her personal information ( and therefore a personal credit check- which only serves the purpose of verification ) to obtain business credit which would make the utilization of personal credit an investment activity. It's just information- and I presume that the information could be considered as capital property under the Internal Revenue Code but that's another story. And then nobody wants to arbitrate and I guarantee that, if I haven't already found an IRS regulation or statute that is similar to the arbitration clauses in these agreements of the financial institutions which, as I'm writing this, I believe I may have already ran into, I'm putting it out there. You know what - I'm about to go ahead make this as clear and concise as possible and then put it out there. XXXX it
Company Response:
State: VA
Zip: 23860
Submitted Via: Web
Date Sent: 2022-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-29
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Let me tell you something ... ... 26 USC 761 contains an exemption to not be treated as a partnership for tax purposes if it is availed of for certain reasons. The privacy policy of these financial institutions sounds like one of those reasons. The IRS regulations basically contain two ways of messing such an exemption - one being that each partner makes an election on a partnership return form. The other way is if, in lieu of making the election on a partnership return, the evidence and circumstances indicate that each partner wanted to elect. Hence these XXXX privacy policies and privacy notice. But notice one thing, they give you credit based on ( you guessed it ) your information. You provide them with information and they either deny or provide credit based on that information. And really, they don't give you credit, they just inform you some digits, which is information, which goes back to my earlier complaint about how it's all a1031 exchange of like property ( information exchanged for information ) under 26 usc 1031. It's all XXXX. Every bit of it. Now I want to arbitrate but I get denied at every turn so I'm not giving a XXXX. I'm putting all of this XXXX out there. XXXX XXXX XXXX XXXX XXXX XXXX, my lights and water are scheduled to get cut off, and I have an eviction notice. And for what? XXXX this XXXX.
Company Response:
State: VA
Zip: 23860
Submitted Via: Web
Date Sent: 2022-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-29
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: To the extent that a creditor considers credit history in evaluating the creditworthiness of similarly qualified applicants for a similar type and amount of credit, in evaluating an applicant 's creditworthiness a creditor shall consider : On the applicant 's request, any information the applicant may present that tends to indicate the credit history being considered by the creditor does not accurately reflect the applicant 's creditworthiness. I applied for a card and was denied. Then I called and let them know that there are arbitration provisions in their own agreements that can be considered as additional information of that my credit report isn't indicative of my actual creditworthiness. I told them to consider that and applied again. I was denied again. So ... XXXX it. If I can't use it, one of you people who might read this and actually be able to do something with it can. XXXX it. I'm putting all of this XXXX out for the public. XXXX... it. It looks like they can't trade your information on new accounts per their privacy policy because probably qualified as a 1031 exchange of real property under the tax code. It's all XXXX. I'll be back after I try another credit card application because XXXX this XXXX.
Company Response:
State: VA
Zip: 23860
Submitted Via: Web
Date Sent: 2022-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-29
Issue: Other service problem
Subissue:
Consumer Complaint: I have a XXXX XXXX available for the claimant of the information the I paid.
Company Response:
State: VA
Zip: 23860
Submitted Via: Web
Date Sent: 2022-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-28
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: I have contacted Apple/ Goldman Sachs many times over in the last two months to solve a problem I have with a bank transfer from XXXX XXXX Apple . XX/XX/XXXX I attempted to complete a bank transfer from XXXX to my Apple account to lower my interest from 16 % to 0 % for 18 months. The bank transfer was shown as completed on my XXXX XXXX XXXX Credit Card # XXXX for a {$2000.00} debit. The debit to my Apple Card did not happen so I called Apple ( as XXXX suggested ) and was told that they dont accept Balance transfers???? Okay, well then I thought that the {$2000.00} would then be credited back to my XXXX account. This attempt to transfer was on XX/XX/XXXX. I have filed 2 disputes with Apple and XXXX. Both banks returned the disputes accusing the other for the problem! XXXX says that Apple received the $ $ $ while Apple says that they never cashed the $ $ when they received it from XXXX Its been two months Ive been waiting for a resolution. Seriously, it is XXXX. Am I to assume banks cant work together, for the consumer, in solving what I consider a pretty easy dispute. Am I just supposed to roll over and say forget it? Im retired and really dont have that luxury. I understood, by my misguided knowledge of banking, that the money {$2000.00} that was debited on my card would be a credit on or near XX/XX/XXXX when it was denied. It really doesnt matter in this case that there was Proof of Payment but WAS THE PAYMENT ACCEPTED. It was not. I have documentation of phone calls since early XXXX to billing disputes that total XXXX minutes that I can verify by our carrier XXXX. The situation that needs to be settled is : Who has the {$2000.00}. XXXX or Apple? Who cashed it or didnt cash it where is it now? My XXXX credit card is showing a {$2000.00} debit, I NEED for these two banks to figure it out. I have also filed a dispute with the FDIC, as well. I will file publicly on XXXX and any other high profile website or other social media if I need to. What further action do I need to do to settle this? Please respond with acknowledgement of this email. XXXX XXXX XXXX
Company Response:
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-28
Issue: Other service problem
Subissue:
Consumer Complaint: The Arbitration provisions of the Deposit Account Agreement of Goldman Sachs Bank USA ( " Goldman '' ) requires the mailing of a " Claim Notice '' prior to one initiating a lawsuit, arbitration or mediation. The same Deposit Account Agreement referenced the Privacy Notice of Goldman which pertains to the collection of personal information and states, in part, that ( i ) Goldman may begin sharing personal information 45 days after the opening of an account, and ( ii ) Goldman shares personal information for purposes of joint marketing with other financial companies, Goldman 's everyday business purposes, etc. The definition of " personal information '' includes trade secrets, commercial information, and the like. The issue is that an amount holder can run the risk of delivering sensitive information such as trade secrets, commercial information, and the like, in a " claim notice '' without receiving remuneration for doing so. An amount holder would have to have " funds '' to litigate, arbitrate or mediate, and can easily have the personal information that the amount holder shares via the submission of a " claim Notice '' stolen simply due to the attrition that is very likely to occur by going through the processes- against a financial institution that presumably has access to millions upon millions in " funding '' - of submitting a claim notice and waiting, then initiating a lawsuit/mediation/arbitration and then having to deal with that while also having to handle the general demands of life and the rest of society. It isn't fair- not even a little bit The Deposit Account Agreement also contains provisions that reserve the right of Goldman to act in accordance with the Deposit Account Agreement even if Goldman refrains from exercise of an act ( or if Goldman is not required to act yet does ). This leads me to believe that Goldman can handle my request for a fair resolution.
Company Response:
State: VA
Zip: 23860
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-28
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 been reaching out to Apple/ golden sachs about a dispute that I submitted since XX/XX/2022. This dispute was because I was not rendered services that I was promise and I asked for a refund from merchant but they hadnt sent it in a week so I did a dispute. I have been given the run around, I am entitled to my full balance and they will not free the money which is putting me in hardships bc this is my everyday use card. Ive talked to supervisors, agents and even have sent over documentation that should have this resolved and closed.
Company Response:
State: MO
Zip: 63130
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I applied for a 1 year loan from Marcus by Goldman Sachs on XX/XX/XXXX total amount of {$1000.00}. I have made payments, every month since getting this loan. Now at the time of the Loan I was receiving unemployment, I then asked a rep would I be able to make early payments or pay a little more each month since I didn't know how soon i would get a job once unemployment stopped, she verified and stated that would be fine. i made payments and not until late XXXX noticed anything was wrong. By then I had paid off majority of the loan and was now making XXXX dollar monthly payments. I noticed because i check quite frequently that Marcus had reported my account a couple days late. I called the date of XX/XX/XXXX them explained the situation they assured me they would handle it and someone would get in contact with me to rectify the late reporting and missed payments reporting on my account the reps name was XXXX and she also spoke with her supervisor. They both assured me and agreed that i was right and it would be corrected to call back regarding the case file in 7-10 days, in which i did and it was not completed. I response to that I received a call back asking when can i pay the remaining balance and the only calls i have received since than are collection calls asking when i am going to pay my balance.For starters XX/XX/XXXX has not even passed yet i owe only XXXX dollars left how am i 4 months late on payments when i have made payments every month since than and even paid most of it off early. All they do is email me about my report being closed to make payments and update my report as of going over 90 days late yet they have not responded to my letters, emails, or responded back to my original complaint. They now have my account reporting as closed, reporting as late, which is incorrect reporting, which in results have dropped my credit score a-lot. I have asked for an investigation, they have not completed it, or if they have i have not been notified of the decision. It has been months, I have called in XXXX, several times, in XXXX around XX/XX/XXXX and continuously the whole month as well as sent letters and an email, no response. Also reading in their agreement no where does it states a penalty paying off more than the estimated amount. it says no penalty if paid off early right at the bottom of the agreement.
Company Response:
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Since round or about XXXX of 2020 this ESTATE has attempted to settle this alleged debt from Marcus by Goldman Sachs through various lawful methods of payment ( s ) as afforded by the United States Constitution, New Jersey laws and the Uniform Commercial Code, and after having successfully completed an administrative remedy to which Marcus by Goldman Sachs has defaulted, ignored, not responded in a timely manner nor acknowledged any lawful remedies submitted to settle this debt. Despite being defaulted and estopped from all claims against this ESTATE, Marcus by Goldman Sachs have/has relentlessly reported negative information against said ESTATE, and has and continues to harm this ESTATE and is causing and has caused irreparable injuries and defamation, slander and libel ; fraudulent usage of language with it's contract ( s ) as well as the non disclosure of material facts within it's contract ( s ), which immediately nullified, cancelled and terminated any alleged valid contract for such non disclosures against said ESTATE. After having been harassed, threatened and coerced into unlawfully using Federal Reserve Notes to settle said alleged debt and also continuing to send negative reporting to the credit bureaus XXXX, XXXX and XXXX, causing injuries and harm to this ESTATE and myself as the Beneficiary thereof. I am hereby charging Marcus by Goldman Sachs {$10000.00} ( ten thousand dollars in gold or silver or it's equivalent in U.S.D. ) per day nun pro tunc for each credit reporting agency since it's first negative reporting to XXXX, XXXX and XXXX and as the Authorized Representative for the Beneficiary of this ESTATE, I now demand that any and all negative report to cease and desist immediately. Please also take judicial notice that this is another ( 3rd ) Notice of Intent to File a Claim against Marcus by Goldman Sachs and the final good faith attempt at clearing the good name of this ESTATE from the defamation, libel and injuries caused by Marcus by Goldman Sachs, as well as pursuance of Marcus by Goldman Sachs ' insurance bond with the F.D.I.C. for any and all damages for violation ( s ) mentioned in the 2 uploaded files. Marcus by Goldman Sachs is now guilty of Breach of Trust as breach of their fiduciary duties as Securities Intermediaries and trustee for the ESTATE.
Company Response:
State: NJ
Zip: 07202
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A