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. They denied me extending my credit for an Apple card even though I am the original creditor and extended my credit using my social security account number. Goldman Sachs and XXXX benefited from this transaction while I received no benefit. 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: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have a savings account with Goldman Sachs Bank USA, which is a completely online account. In order to make any deposits I have to send in checks to a po box address. I have deposited a significant amount and now Goldman Sachs has locked me out of my account. Recently, I deposited 2 checks, which have been debited from my account. Originally, they stated that they couldn't text me a pin to any of my numbers listed ( but they were able to call me on my mobile ) ; then they said that they needed me on the phone with the bank the 2 checks were drawn on ( originating bank ) to verify that the checks could clear. Then, they said that they didn't need me on the phone to verify the information because originating bank verified there were sufficient funds in both accounts to cover the checks. Then, when I tried calling Goldman Sachs again just to have the available funds transferred out, they told me they had to wait to hear from originating bank. Every time I call Goldman Sachs, they give me a different reason why they have locked me out of my account and access to my money. I called the specific divisions for each account and they verified that the checks both cleared. I had over {$400000.00} available for use, the amounts of the deposits for the 2 checks were over {$170000.00}. Rather than just place a hold on the amounts of the 2 checks, the Bank completely locked me out of my account and has denied me access to the available funds without any valid reason. They stated they locked me out because the originating bank told them they wouldn't be able to verify clearance of the checks until 5 business days and to call back on Friday. So, why not just place a hold on those funds so I can still access my available money? They have yet to provide me with a valid explanation. They stated that their Deposit Account Agreement states they can restrict access or close my account based on a representative list of some of the activities to cause closing or restricting an account : all of the representative list points to fraudulent or suspicious activity or misconduct. There is none of that present, so they are relying on that clause to arbitrarily lock me out of my account. I don't know why they refuse to give me access to my money. And, they stated that they could guarantee that they could release my money and account access even after the bogus hold period on my entire account, not just the funds in question. So, they can not give me a specific time when they will release my money. And, they will not put anything writing because their explanation changes each and every time I call. When I called and spoke to several people at different times at the originating bank, and the 2 divisions, all three state that they are not placing a hold on the funds, it is Goldman Sachs. And, again, why not just place a hold on the amount? Why on the whole account including my available funds? I think Goldman Sachs is trying to steal and keep my money. I have even provided the phone numbers for the 2 divisions and they refuse to call them. I've attached copies of the cleared checks that have been debited from my account.
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XXXX XXXX I decided to buy an pohne XXXXXXXX XXXX XXXXXXXX as a gift for my mom for XXXX XXXX. I decided to pay installments with my apple credit card. I paid {$100.00} on XX/XX/XXXX. On XX/XX/XXXX, I paid off the current balance of {$380.00}. On XX/XX/XXXX I received a charge for the first installment of {$54.00} which I paid the card again with {$200.00} more and they received the money on XX/XX/XXXX. I kept making payments on time at the end of the month to avoid charges on APR. On XX/XX/XXXX I paid off the balance plus I paid {$500.00} towards the installment. On XXXX I contact them because with all the money paid I realized they were charging me more and the amounts did not match. They had me on the chat until 2 am and then they closed the chat. On XXXX I contacted them again and spent 4 days telling them if was their mistake because the amount they think I owe is not true. At the end they hung up saying that I owe what is says. Today I contacted them again, and the problem continues. If I financed {$1200.00}, and I have already paid 9 months of {$54.00} since XX/XX/XXXX that means I have paid {$480.00} so far plus adding the {$500.00} I paid in XXXX that is a total amount of {$980.00} If you calculate : {$1200.00} - {$980.00} = {$310.00} ( this is the total I owe them to pay off the phone ) and not {$430.00} as they keep saying. I feel they never applied the proper charges to the account making a mess and are making me pay more. On XXXX I sent a letter with all the statements and payments because they did not want to provide their name on the chat and deny to provide a fax number and emal to send the papers. I do not feel I owe more money and if they made this worng. it is their mistake and their problem. I am havign track o what I have paid and they do not want to listed. I feel they are overcharging more money and even if they say I did not paid until XX/XX/XXXX which is not true, I still do not owe more money.
Company Response:
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Re. An Apple Credit Card via Goldman Sachs On XX/XX/21 I ordered a XXXX for {$3200.00} and a power adaptor for {$19.00} plus tax The website offered installment payments if I applied for an Apple Card, so I did. My receipt shows that my monthly installment would be {$290.00}. The Charges to my Apple Card Today portion of the receipt was {$300.00}. As I had a {$5500.00} credit line and opted *not* to purchase the laptop outright, I assumed I would have over {$5000.00} in credit available. I got a shipping notice today that said the computer would not be shipped until the end of XXXX or early XXXX. This was too long a wait as it is a business computer. So I canceled the order today, XX/XX/XXXX. When I looked at my statement today, it showed {$300.00}. However the available credit was {$1600.00}. A only the {$20.00} purchase was shown on my statement, however, not the explanation of what the other charges were. Now that Ive looked at the other numbers, it was clearly the first installment on a computer that had not yet shipped. ***the actual problem *** The credit available was {$1600.00}. I had only spent {$20.00} on a physical product. They had withheld from available credit the entire price of the computer PLUS the first installment. So they are withholding XXXXmore* than I should have been charged on a computer that had not yet shipped, and thus had been canceled. My available credit should have been {$5100.00}. The reason I, or anyone else, chooses the installment plan is to have that credit available. I do not understand how a credit card company can withhold the entire purchase price plus additional funds. As a result, I do not have the credit I counted on to be able to purchase the computer I need for my new business. In addition, this could reflect poorly in terms of my credit score, as my debt to credit ratio is 30 % instead of 0.30 %. I appreciate any help or insight you can offer.
Company Response:
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I applied for an Apple credit card, through Goldman Sachs, around XX/XX/XXXX. When I completed the application on line, it stated that the interest rate would range from 10.99 % to 21.99 % depending on credit rating. I was not advised of the exact rate until after the card was in my possession and the card was enrolled in Apple Wallet. At that time, I discovered I had been assigned an interest rate of 21.99 %. My credit score was and remains over XXXX. I called Goldman Sachs on XX/XX/XXXX to inquire why they thought it was appropriate to charge the maximum and to ask what they would charge someone with a lower credit score. The customer service representative ( CSR ) told me I would need to take that up with the credit rating company, such as XXXX XXXX, to which I replied that the bank sets the rate, not the credit reporting agency. Despite numerous apologies for the 'inconvenience ', Goldman was incapable of speaking to the issue, even though I was put on hold several times for the XXXX XXXX consultation with the 'supervisor '.
Company Response:
State: PR
Zip: 00738
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/2021 I opened Apple Card at XXXX XXXX XXXX in New York. I could not purchase anything because they said it would take 24 hours to get it approved. XX/XX/2021 I noticed an activity on my email and called Apple and found out my card has been used to make purchases at XXXX XXXX XXXX for the amount of {$5400.00}. I called Apple Card Support and cancelled the card immediately and opened a dispute. XX/XX/2021 I received an email saying that my transaction dispute has been resolved in favor of XXXX XXXX XXXX because XXXX XXXX XXXX provided sufficient evidence. I asked for a copy of the evidence. Immediately I went back to XXXX XXXX XXXX and told them what happened, there was no help there so I called 911 and XXXX Police Department sent an officer to meet me at the store. I filed identity theft with the police department saying that my identity was stolen at the XXXX store while opening the Apple Card. Officer said they can't prove it so she suggested I file with XXXX XXXX Police Department because I reside there. XX/XX/2021 I filed Identity theft/ Apple Card unauthorized charges with XXXX XXXX Police Department XXXX I called Goldman Sachs ( Apple Card Support ) on XX/XX/2021 and gave them the police incident report. I talked with one of the supervisors ( XXXX ) and she said there is no evidence that she can see in the system. I mailed a copy of the police report to Goldman Sachs. XX/XX/2021 I called Goldman Sachs to follow up and asked for a copy of the evidence again. They reopen the dispute. XX/XX/2021 I received an email saying XXXX XXXX XXXX provided sufficient evidence. I asked for a copy of the evidence. They reopen the dispute case. XX/XX/2021 I received an email saying that XXXX XXXX XXXX provided sufficient evidence. I talked to the supervisor XXXX ( they don't give their last names ) at XXXX the same day. She looked up the account and told me that there was no evidence on all 3 disputes. She said it would not make sense. She escalated the case to her manager and told me that she would send me an email stating that there is no evidence against me for the purchases. I have never received the email. XX/XX/2021 I called XXXX to follow up the case. They reopened the dispute. XX/XX/2021 I received the same email saying that the transaction has not been resolved in my favor because the merchant provided sufficient evidence. XX/XX/2021 I went to the XXXX XXXX XXXX. I told them what's been going on with my account and asked for the receipt of the purchases. They could not found anything, no purchases, no orders, no evidence that XXXX has been claiming. No record of my name, my email, my Apple Card number or and transactions related to me... Same day I called XXXX and told them I went to the XXXX XXXX XXXX and they don't have any records of me making any purchases at their store and XXXX XXXX XXXX never provided any evidence to Goldman Sachs about and purchases made by me...... They reopened the dispute and escalated to the management one more time. XX/XX/2021 I called XXXX to follow up the status of my dispute and asked for the copy of the evidence again. Person I talked with ( XXXX XXXX said he can't see the evidence in the system and he asked the management to mail me the evidence. I have not heard from XXXX yet. This is so frustrating. I have all the backup documents I can send if required. I have the records of the conversations with Apple Card XXXX specialists, supervisors, mangers. I have the records of actual conversations that there is no evidence. XXXX is sending reports to the credit bureaus and damaging my excellent credit score. I have had enough with the games Goldman Sachs is playing. I really need help. PLEASE HELP.
Company Response:
State: NY
Zip: 11801
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-03
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 XXXX XXXX, XXXX I purchased a blue XXXX XXXX ( XXXX XXXX ) for my daughter 's XXXX present. When doing so I opted to sign up for the apple card. Everything was great. On the day of delivery I get a notice saying the driver attempted to deliver the product but no one was home. I was home and have ring video surveillance on my home and can prove no car ever approached my home or address this day. So the product was returned to the store. I then called XXXX to see if I could go into the store and pick up my product. They told me that I couldn't and would have to follow the instructions provided to me which were to wait and the money would be refunded in N days. I believe XXXX never had the XXXX in store or if they did it was sold to an in store customer. They should have better control of their inventory especially since this was the carrot used to open this Apple Card account. Either way I was going to get a refund so I didn't care. Then the other day I get an invoice for my Apple Card saying I had about a {$27.00} balance. So today Monday XX/XX/XXXX - I called Apple Card up and found out that XXXX did credit the money back to an account but it was my XXXX XXXX account and not my Apple Card account ( the one I used for this transaction ) I was never provided a choice of how I wanted these funds back and by providing them on a different card they left me open to incur purchase charges. There is also an additional {$4.00} charge on my account they are unable to tell me where the charge came from.ff
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I used the Apple Card ( Goldman Sachs ) to set up an installment plan for a new XXXX. Using the Apple Card provided 3 % cash back and no-interest for 2-years. I took this deal as an alternative to a similar plan offered by my cell provider. I recently learned that the University email address associated with the Apple Card ( and XXXX ID ) will be shut down in XXXX. I was able to update my XXXX ID, but Goldman Sachs will not allow me to update the email address. They won't even remove the email address from my account. All Apple Card notifications go to that email address, including payments due, account balance, and details about the installment plan. Goldman Sach claims that there are only two remedies. The first is to close the account, which will affect my credit score and require that I pay the entire {$1000.00} for the phone installment plan. The second is to allow them to send notifications to the closed email account and " hope '' that they figure it out and send a bill to my physical address. This option will open the door to cyber fraud and ID theft since my personal credit information will pile up on an un-monitored email server. I can't imagine that I am the only XXXX ID user that needs to change their email address which creates a much larger cyber security threat that just my personal information. I spoke with various XXXX and Goldman Sachs representatives for over XXXX on XX/XX/2022.
Company Response:
State: OH
Zip: 44313
Submitted Via: Web
Date Sent: 2022-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-02
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Hi, I have an Apple Card that I use to pay for XXXX related products for the Interest free installment plans. Well I noticed that I was charged interest in XXXX and XXXX and tried to speak to someone who could not tell me why. I am asking for help in getting the answer as I can see my payments have been more than what is owed on the date the payment is due for installments that are supposed to be interest free for well over the time I'm paying these things.
Company Response:
State: CA
Zip: 94578
Submitted Via: Web
Date Sent: 2022-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: In XXXX XXXX my XXXX XXXX XXXX son process without my consent or permission some app products in XXXX. XXXX requires created an account in order to have access to their apps since my son is a minor, I log in with my account in his XXXX tablet. My card was registered on my XXXX account on my XXXX cellphone because I was paying XXXX cents every month for extra XXXX data. I removed my card from my XXXX account on XXXX but XXXX by any unknown reason without my consent, kept my debit card information on its system, allowing and processing my child transactions, also I got on XX/XX/2021 an apple credit card to buy a new cellphone but I did never used it to buy something, and XXXX charged that new credit card with more bills without my consent. An XXXX employee was also threatened my action of submitting a claim directly with my bank, After XXXX did not check my claim. The merchant return all the money to XXXX on the XXXX account since all those items were virtual not real.
Company Response:
State: FL
Zip: 33897
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A