Date Received: 2022-01-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2022 I engaged in a consumer credit transaction with Apple Card. Apple Card sent me a adverse action letter that violated my rights pursuant to ( 15 U.S.C. 1691-1691f ) that stated XXXX XXXX XXXX is still reporting a bankruptcy / derogatory public record on my consumer credit report. I have tried to dispute the accuracy of this matter with XXXX several times and the derogatory public record is still on my report. Due to the inaccurate credit reporting, XXXX is directly impairing the efficiency of the banking system pursuant to ( 15 USC 1681 ( a ) ) which is essential to the continued functioning of the banking system. XXXX have ASSUMED a vital role in assembling and evaluating consumer credit and other information on me pursuant to ( 15 USC 1681 ( a ) ( 3 ) ) and have violated my right to privacy pursuant to ( 15 USC 1681 ( a ) ( 4 ) ). Please help me rectify this matter as XXXX have continued to diminish the value of my consumer credit report.
Company Response:
State: MO
Zip: 640XX
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Ive had Goldman Sachs Apple credit card for a while. It advertised that customer is able to see the card in wallet and pay for purchases, as well as view transactions and make payments through the wallet. Last week my apple email which was also Apple ID was compromised as well as password. Apple worked with me to switch over to new email = Apple ID. Goldman Sachs told me that I cant change the email and the only option is to close the credit card and apply for new one as this is their policy. Also they will not mail me statements, I cant see my account in my wallet, I cant log in to compromised Apple ID and email. I cant view my transactions, I cant make payments, and they will not provide my real credit card number as the apple credit card has no numbers engraved on the actual card. I dont want to close my account and hurt my credit, I cant re apply as i owe the balance and their policy states that I have to pay off the balance before even applying. Please help me to have them update my email address and give me ability to see the credit card in my wallet again.
Company Response:
State: TN
Zip: 37042
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payment ( ACH ) last Thursday XX/XX/XXXX XXXX {$4000.00} ( entire balance ). My statement due date for payment is XX/XX/XXXX. Today I attempted to use my card for {$270.00} at the doctor office and was declined due to over spend limit. My credit limit is {$5000.00} but only have {$130.00} available. When I inquired why my payment hadnt posted I was told there is a hold placed on my payment until XX/XX/XXXX. Ive been a cardholder for over a year and no issues or late payments- there was an issue at XXXX last month when I payed my statement balance in full on XX/XX/XXXX but I corrected issue and paid in full on XXXX.
Company Response:
State: TX
Zip: 78006
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
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 don't believe Apple and Goldman Sachs are complying with federal regulations on credit cards. On XX/XX/XXXX I opened a dispute for a problem with a product of {$670.00} - at XXXX XXXX. The deadline for the merchant to respond has passed. I was informed that I would receive a provisional credit, but the credit never arrived. I was further informed that the dispute is resolved within 90 days. Today is XX/XX/XXXX and it's been more than 110 days since I have no provisional credit, and the problem has not been resolved, no credit back. I spoke for hours with supervisors on XX/XX/XXXX by phone, and the answer is simply, we don't know what happened. Disputes are not being processed correctly under XXXX XXXX. I need a solution urgently. This can not happen.
Company Response:
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-17
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: XXXX XX/XX/2021 - Paid a merchant {$1200.00} for services. XXXX XX/XX/2021 - Services were not provided by merchant as agreed. Attempted to resolve the issue with the merchant, however after more than 30 days the merchant refused to provide a full refund. I filed a transaction dispute for the transaction with Goldman Sachs and received a provisional credit while the dispute was under review. XXXX XX/XX/2021- Without explanation, Goldman Sachs reversed the provisional credit and closed the dispute against my favor. XXXX XX/XX/2021- I received an official email with the following message : " Due to a system error, you may have received an email or notification stating a dispute you filed was not resolved in your favor. The dispute has indeed been resolved in your favor. We will reapply the credit you had previously received within XXXX hours. '' XX/XX/2021 to XX/XX/2021 - I never received a credit as mentioned in the email. I contacted Goldman Sachs over a dozen times for an explanation of the dispute and email. Each time, the customer service representatives promised to escalate and resolve the issue but as of XXXX XX/XX/2021 I have never received any callbacks, communication, or credits and the balance is still outstanding on my credit card account.
Company Response:
State: MD
Zip: 20832
Submitted Via: Web
Date Sent: 2022-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: CONSPICUOUS NOTICE As a Federally Protected Consumer, I demand to invoke my right to opt out in relation to disclosing my nonpublic personally identifiable financial information to nonaffiliated third parties. According to 12 CFR 1016.10, an opt out is given by direction of the consumer. I am requesting for GOLDMAN SACHS BANK to immediately stop sharing my personally identifiable financial information with all credit reporting agencies and all other third parties. The personally identifiable financial information includes : information a consumer provides to you on an application to obtain a loan, a credit card, a credit union membership, or other financial product or service, account balance information, payment history, overdraft history, and credit or debit card purchase information, any information that a consumer provides to you or that you or your agent otherwise obtain in connection with collecting on, or servicing, a loan or a credit account as defined under 12 CFR 1016.3 ( q ) ( 1 ) ( 2 ).
Company Response:
State: TX
Zip: 78244
Submitted Via: Web
Date Sent: 2022-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft there are numerous credit cards and loans taken out of my name without my consent or authorization I have Filed a police report Concerning these matters my credit report shows credit cards that is open in my name that Ive never authorized
Company Response:
State: IL
Zip: 60560
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have made payments on my card in the last week and a half that total over {$3000.00}. These payments have been pulled from my bank account, but my available credit ( purchasing power ) has not increased like it is supposed to once a payment post. I contacted Goldman Sachs Apple Card and they were not helpful.
Company Response:
State: CA
Zip: 90028
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have received repeated telephone calls from a caller identifying itself as Goldman Sachs, the two most recent from XXXX XXXX. The caller claims that I owe more than {$500.00} to Apple for purchases made on an Apple credit card. Because I have done business with Apple in the past, I called and was assured that I have no outstanding balance and that Apple does not request payments by telephone.
Company Response:
State: GA
Zip: 30307
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have reason to believe and do so believe the statement received on XX/XX/XXXX ( and all statements prior ) have been interest dividends or credit issued to me in the form of coupons or bonds. The evidence of this belief is due to my statements Ive received reflects as a positive balance on the account in reference to the full balance of {$6700.00}. If this was a debt owed this would be in a negative balance or this is a computational error. I have reason to believe and do so believe there has been a failure or mismanagement to properly apply credit issued to me in the form of coupons due to the misrepresentation of this account. I have been made aware of what an instrument is and at the date of this accounts conception I have issued instrument ( s ) which should have paid and tendered payment for services rendered from this account. The evidence of the credit being issued to me is my monthly statement which comes to me in a positive balance as an investor who funded this account with the securities and instruments given from the date of consummation. If I were to have owed a debt, this statement should be in a negative balance. I believe this is credit being issued to me and my endorsement has been needed in order to authorize how the credit should be applied to my account. In order to clarify that such credits on the account have not been misapplied, or any false claims of securities causing a tax liability has occurred due to this error, illegal securitizations, trades, hypothecations, interest, and proceeds fraudulently misapplied in my name, as beneficiary of the account, I require the documentary evidence which includes tax records, recordkeeping of both the journal and ledger entries in accordance with IRS publication 583 and other supporting financial records. My billing error notice has been mailed to your registered agent and the address found on my statement via certified on XX/XX/XXXX. XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A