Date Received: 2022-01-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: have noticed Apple Goldman Sachs reporting a debt that I never contracted or agreed to pay. They have reported negative and defaming information beginning XX/XX/2021 on my credit report. They have never given sufficient information to me in order validate this late payment. I disagree with their actions. I challenge the accuracy and integrity of this information. 12 CFR 1022.41 ( a ) Accuracymeans that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. ( d ) Integritymeans that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( ii ) Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part.
Company Response:
State: NY
Zip: 11101
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I purchased 2 apple gift cards one for {$200.00} and one for {$500.00} at XXXX. Scammers already had the gift card info somehow cause i guess thats what scammers are doing and they took the money as soon as it was loaded. I dat at XXXX for an hour and a hslf and called apple while i was there and they said i have to call the bank and report fraud to get my money back. They also said to file a report with you. XX/XX/2022. My name is XXXX XXXX. Contact XXXX
Company Response:
State: FL
Zip: 32765
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: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX a {$4000.00} check was mailed to Goldman Sachs XXXX. The financial institution confirmed it cleared on XX/XX/XXXX. On XX/XX/XXXX the payment was reversed which lead to my first phone call. For the next couple of months I called at least 1x a week because the funds were not applied to my account NOR sent back to me. Multiple times I was told someone would get back to me that week and NEVER did. On XX/XX/XXXX I received an email that an error was had on their side and my check had been applied. I confirmed via phone that they would correct anything reported to the credit union as late during that time. They confirmed there were no late payments because they lost my check so I did not have my {$4000.00} nor was it applied. My credit report has not been updated to reflect their error. On XX/XX/XXXX they responded to another complaint saying, " The Bank removed the past due reporting for XX/XX/XXXX, and confirms the account is now reporting correctly with no negative marks, the account is closed, and the account has a {$0.00} balance. '' My credit report from this company still reflects 60 days late in XXXX. Their response was not accurate.
Company Response:
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/2022 : A lender named Goldman Sachs made a hard credit inquiry without my authorization. I had contacted a lender ( XXXX XXXX ) about a potential consolidation loan and the person on the telephone made a soft credit inquiry and then showed XXXX potential loan offers. He told me to click a button on my computer screen for Goldman Sachs and then told me that Goldman Sachs would contact me about a loan offer on Monday ( today ). I then received an email from XXXX indicating that a hard credit inquiry had been made to XXXX for my credit report. The whole process was deceiving and done to make me select a loan offer without explicitly asking me to authorize the access to my credit report.
Company Response:
State: VA
Zip: 22206
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XX/XX/XXXX {$4000.00} Payment Sent XX/XX/XXXX Shown on the statement XX/XX/XXXX Check cashed and stamped by Goldman Sachs Apple XX/XX/XXXX Payment reversed, Apple to apply no details why, bank of check confirmed funds were cashed XX/XX/XXXX {$4000.00} reapplied and an email was sent apologizing for their admin error Multiple calls confirming that the payment would be backdated since funds were NOT late, it was a result of the banking institution, and that the late payment of 60 days in XXXX would be removed. My payment was reported 60 days late in XXXX of XXXX. In XX/XX/XXXX on the phone I was told this late payment would be removed because it was Apple 's mistake. It has yet to be fixed. These late payments are not accurate. The original XXXX payment was not backdated. They just reflected it as a new payment in XXXX. Their error has drastically affected my credit where I've never had a 30 late payment. My funds were held hostage, my calls and investigations with them go nowhere. XXXX of XXXX there were fraudulent charges that were disputed. My payment for XX/XX/XXXX did not post till XX/XX/XXXX. They reported that 60 days late despite it being 1 day late. My statement shows XXXX payments within 60 days of XXXX. Their reporting is inaccurate. I have been going back and forth with them for over a year having to start over every time I call and not receiving any callbacks. Their customer service has not helped at all. Proof attached : check with time and date of being cashed by Goldman Sachs, gmail with their apology, statements reflecting errors & showing all payments, proof of check being sent via USPS.
Company Response:
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-08
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I am the consumer, original creditor and natural person. Goldman Sachs Bank USA has denied my right to credit as I applied for an Apple Card on XX/XX/2021 in a consumer credit transaction. Pursuant to 15 USC 1681a ( k ), Goldman Sachs Bank USA violated federal law by denying my credit application. Goldman Sachs Bank USA also discriminated against by pursuant to 15 USC 1691 ( a ) ( 3 ) because I, in good faith, exercised my rights to credit by making an application pursuant to 15 USC 1642.
Company Response:
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2022-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My Apple Mastercard, a product of Goldman Sachs, is showing the incorrect balance on my credit report which is adversely affecting my credit reports. The balance has not been updated since XXXX Yet, we are now completing the first week of the XXXX XXXX XXXX. This is not the first time Apple has proven negligent in correctly reporting my monthly credit card balance.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2022-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-06
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 XX/XX/XXXX and XX/XX/XXXX fraudulent charges were made on my Apple credit card. They were made to two different airlines XXXX XXXX XXXX I was In the hospital on the XXXX having XXXX XXXX and continued to be in the hospital until XXXX XXXX. I did file a complaint from my hospital bed having seen my latest statement and had them close the account. This is still ongoing I was credited back three charges but not one for {$720.00} to XXXX XXXX which they have already credited me to {$230.00} with XXXX XXXX. Wrote a letter in XXXX sent proof of my hospitalization phone records that I called Apple card services and requested a new card. Its almost 6 months later and they keep telling me that they are not resolving the dispute in my favor. This doesnt make any sense to me Im in battling XXXX now for nine months and havent flown in years. Their only response in their investigation was that they basically believe the vendor, that it was me that did the charging. That doesnt even make sense. I need some help with this its causing me a lot of stress and Im not I dont seem to be getting anywhere with Apple support or anybody else thank you
Company Response:
State: CA
Zip: 94558
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: This letter is served upon received. It has come to my attention that I am a federally protected natural person as defined under the Truth in Lending Act 15 USC 1602e. Please be advised on XX/XX/2021, at XXXX pm Goldman Sachs and XXXX willfully and negligently violated my federally protected consumer rights. Goldman Sachs Bank USA and XXXX XXXX are in fact in violation of but not limited to the following federal laws ; 15 USC 1691 d ( 6 ), 12 CFR 202.9 b ( 2 ), 15 U.S.Code 1692d ( 2 ), and 18 USC 1028. I was denied an extension of my credit although I am the original creditor and provided my social security card number and XXXX benefited from the consumer credit transaction and I did not. I demand you : - grant me an open-ended unlimited credit plan - zero out the balance each month - pay the attached invoice in the amount of {$120000.00} by mail to the address listed- an audit trail mailed to the address listed above those entails the application and consumer credit transaction I entered yet did not benefit from If you do not cease the law violations mentioned above, I will pursue litigation against XXXX XXXX and/or Goldman Sachs Banks USA as 15 USC 1692k a ( 1 ) allows civil liability rewards for any damages, which include stress, mental anguish and other damages caused by violations due to XXXX XXXX and Goldman Sachs Bank USAs deceptive business practices and negligent/willful noncompliance.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
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: First complaint : XXXX CLOSED YOUR COMPLAINT On XX/XX/XXXX, I bought a sofa from XXXX. they delivered me the incorrect sofa model and color. I called them to report the issue and so far they have not send no one to pick up the wrong one and send me the correct one. I have disputed the charges for {$2100.00} plus interest with apple card ( Goldman Sachs ). they never sent me any status o my dispute and they have keeping posting again the charges on my account. they not helping me at all, with this scam. Second complaint : Company responded : Goldman Sachs Bank USA received the above-referenced complaint related to the Apple Card via the Consumer Financial Protection Bureau ( CFPB ) Complaint Portal on XX/XX/XXXX. The Bank appreciates the opportunity to address the concerns raised by XXXX XXXX XXXX XXXX Customer ). The Customers concern references a transaction dispute with the merchant, XXXX, in the amount of {$2100.00}. The Customer initially stated the merchant shipped an incorrect item. The merchant voided a return refund, as the Customer opened a transaction dispute with the Bank. The Bank initiated a three-way call with the merchant and the Customer to facilitate a return of the incorrect merchandise. The merchant advised they are able to schedule a pick-up of the merchandise for the Customer, once the dispute is resolved. The Bank has resolved the dispute in favor of the merchant, as the merchant has agreed to arrange for a merchandise pick-up for an exchange or return. The Customer is requested to contact the merchant in order to schedule a pick-up for the returned item. Based on the above details, we kindly request this complaint be closed. Goldman Sachs is in violation of my consumer rights. this issue I had to deal with it has been for the past 9 months. I never agreed to this terms ( Please request recordings of our interactions ). I have tried multiple times on returned the merchandise e and they always lie to me saying they going to send someone to pick up the sofa and they dont send no one. Now I returned the merchandise as agreed and they still charged me for the transaction and now they telling me there is nothing they can do because has passed a year now.
Company Response:
State: AR
Zip: 72701
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A