Date Received: 2021-11-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft GS BANK USA Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 11206
Submitted Via: Web
Date Sent: 2021-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am disputing information on my credit report and requesting that the credit file from the Goldman Sachs Bank/Apple Card be removed from my credit report and that my credit rating be restored. The Goldman Sachs Bank/Apple Card account ends in XXXX. The amount currently owed is {$6900.00}. The address associated with this account, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, is not my address, has never been my address, and I never requested it be changed. The charges incurred on that card were not charges I made or authorized. I obtained the above information from my credit report. Ive called Goldman Sachs bank many times, reported the incident and they have never corresponded with me regarding the charges that were made. I dont even have the account number for that account. Ive told them that I can not even access the account via their bank because the Apple Card account that it was opened under no longer exists. XXXX closed the account associated with the email address of XXXX because I reported the incident and that was the only way they could respond to the identity theft report I made to them. On XX/XX/2021, while I was at work, I was the victim of a banking scam. There were charges coming through as texts messages via my phone. I kept answering NO to the texts so as to not approve them. Then I received another line of texts from someone stating they were with Apple Card Support and that they were trying to assist me with the charge attempts to my account and to call the phone number included with the text. Once I called the number, the man on the phone ( I think he told me his name was XXXX XXXX XXXX told me that we had to act fast because it appeared whomever was attempting to make the charges also had information to access some of my other accounts. During this time I also got a second call from XXXX, my phone carrier, and they were asking for my PIN number so that they could cancel my account. I told them I did not want to cancel my account and that they needed verify my identity. I told the person from XXXX that I would have to call him back because I was dealing with another situation. Then another line of texts kept coming through attempting to make charges to my account. The man who said he was from Apple Card XXXX again stated that we needed to act fast and the he could clear everything up if I gave him my XXXX account password. And I gave him the password. After that, I lost control of my XXXX account under the email address of XXXX Later that evening, while I was at XXXX, I lost my phone. When I tried to order another phone because I could not locate it on Find My XXXX app, I was informed I would have to go to the Apple store. When I got to the Apple store I told the young man who waited on me what was going on and he told me he that that had happened to him as well, but that it was a scam and when I tried to login my account at the XXXX store the password had been changed and could not access it. The only thing that I could do was to file a claim for my lost phone and that I would have to wait three business days to get another phone. The XXXX person suggested that I go to my bank to check on my accounts. And when I did check in with my bank, I learned that they manage to withdraw approximately {$6000.00} from my account. I had to use a credit card to buy a temporary phone and open another apple account. My bank locked my accounts and assisted me in changing all of the account numbers and secured my accounts back to me.
Company Response:
State: CA
Zip: 92103
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-09
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I was advertised to get {$50.00} cash back on XXXX XXXX after spending {$50.00} there ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX {$75.00} cash back after spending {$75.00} at XXXX ( XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) However, they keep on telling me that the account was not opened in the time frame it was supposed to be or that I am ineligible to receive cash back since I am not the account owner, but he has not received the promised cash back either. However, I did receive the {$3.00} standard cash back for the purchases proving that I am eligible to make daily cash earnings for the purchases I make. The account owner opened the account on or around XX/XX/XXXX. For the XXXX XXXX promotion it is stated Valid only for new Apple Card holders who open an account XX/XX/21 through XX/XX/21 For the XXXX offer, it is stated Valid only for new Apple Card holders who open an account XX/XX/21 through XX/XX/21
Company Response:
State: NJ
Zip: 07002
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-09
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX an approved charge was made to my account in the amount of {$2500.00} USD. Subsequently, I paid my credit card balance in full on XX/XX/XXXX in the amount of {$3000.00} USD. The merchant later refunded my initial purchase of {$2500.00} USD on XX/XX/XXXX leaving my account with a large credit balance of {$2500.00} USD. After speaking with multiple representatives via phone and chat, I understand a technical glitch exists in their system that does not permit me to be issued a refund check for the overpayment ( credit balance ) because of a payment installment program I have for unrelated merchandise that will complete sometime in XX/XX/XXXX. Although the payment installment plan allows for an early payoff, Goldman Sachs can not process this because of the existing overpayment. I was informed that my only solution was to allow the installment plan to complete naturally in XX/XX/XXXX and then request a refund check for any remaining amount. Although I understand the technical limitations involved, neither reason should prohibit the exercising of my rights guaranteed by the FTC : promptly credit or refund overpayments and other amounts owed to your account when your account is owed more than XXXX XXXX. If you prefer a refund, it must be sent within seven business days after the creditor receives your written request. Today, XX/XX/XXXX I send a certified letter requesting this refund check be processed.
Company Response:
State: OR
Zip: 97504
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-09
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for an Apple Card. My application for extension of credit was denied. This is a violation of ECOA 12 CFR 1002 I DO NOT agree with the company 's decision.
Company Response:
State: CO
Zip: 80238
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This account is reported in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Please provide proof of the last payment. Otherwise, remove the account abruptly. XXXX XXXX - XXXX XXXX ***** Opened XXXX XXXX XXXX Balance {$2100.00} // Charge Off XXXX XXXX USA ***** Opened XXXX XXXX, XXXX Balance {$2100.00} // Charge Off
Company Response:
State: FL
Zip: 33193
Submitted Via: Web
Date Sent: 2021-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-08
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 purchased computer equipment on XX/XX/2021 from a merchant on XXXX. The item arrived on XX/XX/2021, with water-damaged parts. I contacted the merchant and I received a return label from the merchant within 30 days. I returned the damaged goods to the merchant with tracking and his signature confirmation that he had received however, the merchant decided to keep the money from the purchase and not refund me. I submitted a dispute with Apple Card Support with Goldman Sachs and they mismanaged my case twice with improper handling. I provided photo evidence of the damaged parts, the return tracking information with an adult signature signed by the merchant, and the text messages the merchant sent me confirming the parts were damaged due to improper packing. I submitted the evidence to multiple Apple Card Specialists and they confirmed with me that they submitted the evidence with my dispute. After waiting over 30 days for a response from the Apple Card Support Specialists with Goldman Sachs, I received an email stating the dispute was not found in my favor DUE TO NOT SUBMITTING ANY EVIDENCE. I have screenshots of the evidence I provided to the Apple Card Support Specialists in which they confirmed they received the evidence but did not bother to look over it in my case. It has now been over 4 months trying to get Goldman Sachs to properly refund this transaction.
Company Response:
State: CA
Zip: 90241
Submitted Via: Web
Date Sent: 2021-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been violated by GS Bank on XX/XX/2021. I am a victim of identity theft and did not give permission to anyone for assumed access to my information.I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1640 15 U.S. Code 1681n 15 U.S. Code 1691 15 U.S. Code 1692c Please have these inquiries removed from my credit report.
Company Response:
State: NJ
Zip: 087XX
Submitted Via: Web
Date Sent: 2021-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-08
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for an apple credit card with Goldman Sachs Bank and was emailed an adverse action letter. I sent out two letters, and spoke to someone on the apple chat telling them the problem and how I felt like I was discriminated against due to my application and exercising my rights as a federally protected consumer and was told " discrimination does not work like that ''. I felt like the person I was chatting with was basically talking to me as if I didn't know the Law and my Consumer Rights. My credit was also ran twice which resulted in two inquiries and I only applied once.
Company Response:
State: NV
Zip: 89178
Submitted Via: Web
Date Sent: 2021-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-07
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 disputes not being correctly handled. - Made disputes on card in XXXX reference a payment to XXXX. Was found in my favor XX/XX/XXXX. As per Apple Card request changed card number etc. XXXX charges were denied as using wrong card number. Then as of XXXX Apple Card has been paying the same transactions they denied previously and no one at customer support will help. - also Disputed payment to online retailer who failed to deliver item. Got no response from merchant when tried to get refund as item hadnt arrived. Item wasnt shipped as per the retailers own system for tracking shipments, so simple dispute. Heard nothing from company raised dispute with Apple Card weeks later. No update. No credit to my account. No communication at all. Been months of being stonewalled by Apple Card. No communication from dispute department. They dont seem to make refunds for amounts found in favor. Rather they remove the disputed amount from clients available balance - then charge it back if found in favor. This means were paying apple for the disputed amount won in the consumers favor. Customer service admitted this was the case but stated no one ever complains about it.
Company Response:
State: FL
Zip: 33619
Submitted Via: Web
Date Sent: 2021-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A