Date Received: 2021-12-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts do not belong to me. Please remove the negative items as soon as possible. 1. Identity Theft XXXX XXXX Bankruptcy Case Number : XXXX This is not mine. 2. Identity Theft XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft GS BANK USA Account Number : XXXX This is not mine. 5. Identity Theft XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-20
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In the afternoon of XX/XX/XXXX, I noticed a pending charge on my Apple Card for {$1000.00} from XXXX that was made XXXX hours ago. Furthermore, there was a declined charge of {$1400.00}, which had been declined as it had exceeded my credit limit. I immediately called the customer service for Apple card and informed them of the unrecognized fraudulent charges on my credit card and requested for a cancellation of the latest charge with XXXX. The Apple card specialist had gone ahead to cancel my credit card and issued a dispute for the fraudulent charge. A few months later, I was informed by the credit card company that the dispute had been unsuccessful as the merchant had provided compelling evidence that this was not a fraudulent charge. The Apple card specialist encouraged me to contact the merchant to clarify about the evidence provided by the merchant in the dispute. I reached out to XXXX, who told me that my first and last legal name, XXXX XXXX, was used to place an online order on XX/XX/XXXX XXXX. When I enquired about the order placed, the merchant agreed to send me a copy of the Order Confirmation slip sent to the email address used to place the order. The Order Confirmation slip had listed my first and last name as the person placing the order, along with my actual phone number and residential address listed. My credit card number was also used to place the order. However, the email used to place the order was : XXXX which is not an email address that I recognize. I called XXXX to inform them of the associated incorrect email ; however, they said to approach my credit card company instead. Based on the Order Confirmation slip provided by XXXX, I had tracked the XXXX tracking number and contacted XXXX about the shipping report and delivery confirmation. I was emailed a copy of the delivery report, which showed the final shipping address as : XXXX XXXX XXXX, XXXX, KY XXXX, instead of the original residential address placed with XXXX. The signature of the package recipient reflected on the XXXX delivery report is also not my signature. I have never lived along XXXX XXXX, nor do I have family or friends living in this area. Furthermore, my residential address is the only place in KY where I have orders shipped to. When I reached out to XXXX about the shipping address discrepancy, the customer service associate did inform me that despite the order being placed on XX/XX/XXXX, an individual identifying as XXXX had called XXXX to request for a shipping address change on XX/XX/XXXX. The individual had requested a change of shipping address to the final delivery location on XXXX XXXX. However, XXXX was unable to disclose any documentation of this call to me. However, they remain contactable for verification of this statement. In contrast to the IP address reflected on XXXX XXXX report, my current public IP address is : XXXX. My previous IP address from my previous address ( XXXX XXXX XXXX XXXX XXXX, KY XXXX ) from the period of XX/XX/XXXX XX/XX/XXXX was : XXXX. This IP address mismatch remains inherent in proving that I am not the individual placing this order with XXXX ; but rather, my identity had been stolen to do so. Despite writing in a letter to Goldman Sachs to detail the evidence of having my identity stolen and charged with a fraudulent credit card scam, Goldman Sachs and XXXX have maintained that my identity was not stolen, and I had been the individual placing an order with them.
Company Response:
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2021 I got an email from XXXX stating that I could apply to an Apple Credit card without impact to my credit score. I applied and a hard inquiry was added to my report. I requested to have this hard inquiry removed from my XXXX by Apple. They refuse to do so. This is misleading advertising.
Company Response:
State: TX
Zip: 78746
Submitted Via: Web
Date Sent: 2021-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Re : Account ( XXXX ) : # XXXX Account Name : GOLDMAN SACHS BANK USA My Social Security number is : XXXX My date of Birth is XXXX Dear Sir or Madam ; I disputed the referenced accounts above on XX/XX/2020. The credit report of XX/XX/2020, and my report # XXXX shows results these items was deleted from the credit file. Now I notice these items have been reinserted on my credit report. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than XXXX business days after the reinsertion date. ( I ) a statement that the disputed information has been reinserted. ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( XXXX ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action by filing a lawsuit and seeking damages. Also, I have re-disputed this fraudulent account from my credit report a numerous of times since XX/XX/2020, but you all are complying with the company and keep reinserting this fraudulent account back on my credit report. Your agency may avoid such action by immediately and permanently deleting this listing from my credit report. Thank you, XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2021-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
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 placed an order for an XXXX computer and accessories on the XXXX XXXX XXXX on XXXX XXXX, 2021, using the 0 % 12 month financing offer on the Apple Card ( by Goldman Sachs ). Typically, the taxes for financed orders are charged immediately. In this case, the taxes were {$110.00} for the XXXX. I cancelled the order within an hour, as I noticed I forgot to include some items that I wanted to finance. The order was successfully cancelled by the XXXX XXXX XXXX and the installment plan was successfully closed out on my Apple Card ( by Goldman Sachs ). My problem is that the {$110.00} pending charge for the taxes on the order never dropped off of my card. I have called and complained numerous times in the past 5 months to both the XXXX XXXX XXXX and Goldman Sachs for the Apple Card. Both send me in circles for hours and are unable to help me. I would just like to get this charge removed, as it is affecting my available credit and reporting balances.
Company Response:
State: NY
Zip: 11201
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-17
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: My balance is incorrect. It is about {$400.00} more then what I spent. This is the XXXX time they have done this to me. They tell me it will take 90 days for them to figure this out. I do not have 90 days to wait for my XXXX back. I can not afford to pay the bill and I do not want my credit score to be impacted.
Company Response:
State: NY
Zip: 11542
Submitted Via: Web
Date Sent: 2021-12-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My account was paid in full and never late. For Apple CardXXXX Bank XXXX XXXX XX/XX/ 2020 amount {$770.00} and XX/XX/2020 amount {$780.00} was never late and the status of my account is reporting 60 days late, incorrectly!
Company Response:
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: On XX/XX/2021 I issued a payment to Golden Sachs to reduce my account balance by {$420.00}. The balance went down immediately by {$420.00}. I called in shortly and requested Golden Sach to cancel my payment. The payment was successfully cancelled and the funds were returned to my personal banking account. My balance went back up by {$420.00} on my Golden Sachs account. A couple days later my balance shows an adjustment balance reversal for {$420.00} on my Golden Sachs account. This brought my total balance up by {$840.00} instead of {$420.00}. On XX/XX/XXXX I made another payment for {$100.00}. I called in to cancel the payment and the same thing occurred that week where my balance increased by {$210.00}. I called multiple times to representatives and supervisors who did not know how to resolve my issue. They attempted to redirect me in a different direction. Out of 5 people I spoke with, only one rep understood the issue when reviewing my statements. Their supervisors did not nor helped.
Company Response:
State: CA
Zip: 95973
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX, 2021 statement lists total charges, credits, and returns as {$1200.00}, but auto pay took {$1200.00} out of my checking account. Now my XXXX statement says the total charges, etc. are {$1100.00}, but they are planning to take {$1100.00} for payment in full. Both statements say no interest was charged. Every charge that appears on each statement is reconciled by receipts that I have retained. I have no receipts that are not accounted for. I want to know why the payments taken from my checking account are greater than my total charges, credits and returns. Multiple calls to AppleCard have had ludicrous results. The first agent could not find my XXXX statement. The second agent produced figures that were completely incomprehensible. When I asked to speak to a supervisor I was referred only to another agent who could not explain the discrepancies. Finally I was told XX/XX/XXXX, that the problem would be sent to account management and I would receive a call from them within a week. Call did come XX/XX/XXXX, and left a message from " XXXX '' to call back leaving the same number I had already called multiple times. I did call back, was put on hold, and then disconnected. Calling again resulted in two " beeps '' and then a long silence with no connection established. Of course I have cancelled the card, but I am owed a refund on the mysterious overpayments taken out of my checking account on auto pay.
Company Response:
State: NY
Zip: 14534
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Goldman Sachs incorrectly states : " Customer did not satisfy the XX/XX/2021 statement balance in full by the due date. '' As a result, the Bank assessed interest on XX/XX/2021 in the amount of {$83.00}. Furthermore Goldman Sachs falsely reported to the credit bureau that I was late which has caused damage to my credit score. I would like proof from Goldman Sachs that I did not satisfy XX/XX/2021 statement balance in full, and I can assure you they can not do so. Goldman Sachs have even failed to explain to me how I was late the multiple instances of me trying to reach out to them to get an understanding the current situation which they failed to disclose the steps to resolve the problem of my account. In the month of XX/XX/2021 the minimum payment required was {$25.00}, A payment was made on XX/XX/2021 in the amount of {$850.00}. A secondary payment was made in the same month on XX/XX/2021 in the amount of {$300.00}. This is a total of {$1100.00} payments made in the month of XX/XX/2021 to which XXXXoldman Sachs says I am late. How is this possible? I will submit proof of payment made here.
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A