Date Received: 2021-12-15
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: Apple card responded to a prior complaint stating the dispute was reopened, I was given a temporary credit and they send information to me to respond to complaint. Despite numerous calls and feedback through prior complaint here - still No contact with anyone dealing with dispute, letter sent to me had no details on it. However new issue is that company has removed from account credit limit the amount under dispute. Punishing me the client and restricting my ability to use card. This is unacceptable - why issue me a credit thrn take way the ability to access that amount.
Company Response:
State: FL
Zip: 33619
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I bought products off XXXXXXXX XXXX website on XX/XX/XXXX for {$120.00}. I returned this purchase on XX/XX/XXXX and was supposedly credited {$120.00} on XX/XX/XXXX. However, I was never credited anything because my bank account was still charged {$260.00} when it should have been charged {$260.00} - {$120.00} = {$140.00}. I called them the first week of XXXX -- sorry, I forgot the date. The customer agent claimed he created a ticket of the issue. By the end of XXXX, the money had not been returned. I called them back on XX/XX/XXXX, and funnily enough on their end everything looks good because the account was " credited '' with the return, but it wasn't as they still charged me for that product. The agent again claimed to have created a ticket about my claim. It's now XX/XX/XXXX, and I have not heard back AT ALL. Not an email, not a call. I am done dealing with their ineptitude and non-action, and I want my money back.
Company Response:
State: CA
Zip: 950XX
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I closed my Apple Card by Goldman SachXXXX Bank XXXX XXXX ) in XXXX of XXXX ( XX/XX/XXXX ) GSB permitted a charge to my account in XXXX of XXXX ( XX/XX/2021 ). Numerous calls to GSB has not rectified this situation. GSB can not give me an answer as to whether this will happen again in the future. A closed account should mean closed and no longer accepting charges.
Company Response:
State: FL
Zip: 33461
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-12
Issue: Getting a line of credit
Subissue:
Consumer Complaint: OFFER REJECTED NOTICE : : https : //www.fdic.gov/regulations/laws/rules/6500-100.html ATTN : Apple Card Application means : A putting to, placing before, preferring a request or petition to or before a person. The act of 99 making a request for something. A petition. The use or disposition made of a thing. A bringing together, in order to ascertain some relation or establish some connection ; as the application of a rule or principle to a case or fact. An appeal or petition, especially as written or presented ; a putting to, placing before; preferring a " request or petition to or before a person ; the act of making a request for something. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX law Means : a way of doing something-barrons dictionary of banking Means : The instrument or agency through which an end or purpose is accomplished. 2. Resources ; available property ; money or property, as an available instrumentality for effecting a purpose, furnishing a livelihood, paying a debt, or the like-blacks law This correspondence is in regard to the application submitted on XX/XX/2021, reference CFPB complaint no. XXXX & XXXX. Which an adverse action letter was received on XX/XX/2021. The adverse action offer is here by rejected, credit application is a financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). Said adverse action is in violation of the following : 15 U.S.C. 78j, 15 U.S.C 78ff, 15 U.S.C 1691 ( a ) ( 3 ), 18 U.S.C. 241, 18 U.S.C. 242. ( 17 CFR 240.10b-5 ) ) Fine : Adverse action taken against me denying my rights Criminal liability for willful and knowing violation : Whoever willfully and knowingly, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to $ XXXXand you are officially civilly liable for actual damages and here by fined and invoiced {$5000.00}. This is to be paid to me in the form of a check. Reconsideration : Open-end consumer credit card ( 15 U.S.C. 1602 ( m ) ) 16 CFR 640.2q with maximum allowable by the applicable law ( 15 U.S.C. 1602 ( j ) ). Balance will be zeroed on a monthly basis via special deposit of the interest bearing coupons associated on the itemization statement, instrument is a non-cash item ( 12 CFR 210.2 ( k ) ). Final offer non-negotiable relief and remedy from default may be achieved by servicing contract/self-liquidating paper under regulation z for a finance charge. To dishonor this counter-offer must be received within Five ( 5 ) calendar/business days from the receipt of this notice via written correspondence. *Conspicuous statement do NOT ignore* This is your opportunity to cure as well as your notice of default for the servicing of the credit application. You meaning Apple Card and any of its agents, affiliates, subsidiaries, assignees, etc. may NOT contact me by any means other than written correspondence. Failure to comply may result in additional substantial billing invoice. Legal proceedings may be enacted if dishonored. Notice to agent is notice to principal Notice to principal is notice to agent Reference complaint # XXXX & XXXX By Accommodation : XXXX XXXX
Company Response:
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2021-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-12
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have a high-yield saving account with Goldman Sachs Marcus Online Banking XXXX I was trying to use the funds on this account as the down payment for the purchase of an apartment. I initiated the wire transfer to the title company four times via phone call with customer services as they do not have physical offices, Marcus Bank 's personnel failed every time due to execution errors, e.g., transposing recipient 's account number and entering the incorrect beneficiary information without confirming with me. Each time, the funds had to be returned by the recipient 's bank as they can not reconcile the information. Without access to my own funds and so much time wasted waiting for the funds to kick back to my account, my house closing was in jeopardy and it was already two days after the supposed closing date. Despite numerous follow-up phone calls and escalations, Marcus Bank 's personnel showed a lack of training and professionalism, and they do not have any additional ways to fix the problem. I had to borrow emergency money from friends and family, and wire them from other banks. Conversely, other banks made such wire transfers ( with the exact same information I provided ) very easily and timely. Details of the four failed wire transfers initiated from Marcus : 1 ) XXXX, {$50000.00}, due to incorrect recipient account number ; 2 ) XX/XX/2021, {$20000.00}, wrong beneficiary information, 3 ) XX/XX/2021, {$50000.00}, Marcus cancelled the transaction without noticing me, 4 ) XX/XX/2021, {$50000.00}, wrong beneficiary information. Goldman Sachs Marcus Bank presented XXXX to provide consumers with normal financial services, lack of internal controls, and a pattern for making the same error by multiple personnel. As a consumer, this wasted lots of my personal time, limited my access to my own funds, made me have to borrow from other people, and most importantly almost costed me the opportunity to purchase my home.
Company Response:
State: VA
Zip: 22314
Submitted Via: Web
Date Sent: 2021-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-10
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, because they are hurting my credit. XXXX 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft GOLDMAN SACHS BANK USA Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 107XX
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-10
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: i have contacted Goldman Sachs at XXXX in regards to the interest rate that appears to be a subprime consumer rate and informed Goldman Sachs about this and the customer service isn't able to rectify this issue my credit score is in the mid XXXX 's and i dont want this rate.
Company Response:
State: TX
Zip: 75088
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-09
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: Hi. I ordered a XXXX electric toothbrush on XX/XX/XXXX for XXXX. I received it XX/XX/XXXX. It wouldnt turn on and was broke. I called XXXX XXXX XXXX customer service number and they told me due to Covid they are not taking returns or Credits. I disputed this with my Goldman Sachs card. Ive since come to find they have the worst customer service in the business and dont care if you receive something that doesnt work. I have now disputed this 3 times and they keep coming back showing me proof that I received the tooth brush. I did receive it and I keep telling them that. I dont understand how I can be stuck with this product that is broke.
Company Response:
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2021-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-09
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I was approved for an Apple Credit Card XXXX months ago ( XXXX of 2021 ). I have not been able to make one purchase on the credit card as of today, and we are in XXXX. I have contacted Goldman Sachs ( who runs the credit card service and support for my Apple Card ). I have called approximately 6-7 different times to try and resolve the problem. On every occasion, they have not been able to fix the problem because they have some sort of security or IT issue on my account. I have had the majority of customer service reps tell me that there is no timeline on when they will be able to fix the problem, but that I will receive emails on status of the ticket. I have not received a single email on status update. I have been promised by one manager that this issue was escalated to " high priority '' and that the issue would be fixed within the next week - this never happened, and I never got a callback or an email. I have worked through different tactics with customer service reps on the phone to try and fix the problem using Apple Pay app, attempting transactions, changing the card number, etc .... none of it has solved the problem. There is no urgency to fix the problem it seems like, no matter who I have spoken with. All of the calls have been recorded, and the company has documented notes on my issue when I have called for assistance. Despite working with different customer service reps to attempt to resolve the issue, I continue to be told I will have to wait for a team to solve the issue and send me an email... nearly XXXX months after I first activated the card.
Company Response:
State: IN
Zip: 46112
Submitted Via: Web
Date Sent: 2021-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-08
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 submitted a dispute to Goldman Sach's/Apple Card whom did not properly research and provide adequate information/details regarding their decision after the dispute. Furthermore, the company did not reach out for clarification or additional information to assist with their decision making. The following dispute is in regards to the XXXX XXXX XXXX XXXX ( XXXX ) in the amount of {$830.00} ( XXXX ) The monitor was purchased on XX/XX/2021 and delivered by XXXX on XX/XX/2021 under tracking number XXXX. Despite best efforts to try to cancel the shipment prior to delivery, and leaving a note to refuse the package, the package was unfortunately still delivered without my consent. When reaching out for XXXX XXXX to return the package, due to the shipping mishandling, they refused to provide an XXXX and shipping label to send the device back. They claimed that regardless of the scenario, the 'buyer ' is responsible for return shipping costs. However, XXXX XXXX neglected to state that the buyer was ever responsible for return shipping costs, which would have amounted to over {$200.00} to their XXXX location. Their terms of service ( attached ) and website do not state that the buyer is responsible for return shipping costs, even when the company itself is at fault.
Company Response:
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2021-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A