Date Received: 2021-11-07
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for the Apple Credit Card in the beginning of XXXX. I was denied credit and not given a proper expiration that i agree with as to why I was denied credit. I applied for Apple Credit Card again on XX/XX/2021. I was denied credit again without proper reasoning. Goldman Sachs Bank Actions is a Violation of the Equal Credit Opportunity Act ( 12 CFR 1002 ) See attachments
Company Response:
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2021-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Hi my name is XXXX XXXX. I have never had any type of business with Apple at all! Ive never even had an XXXX XXXX or anything related to Apple. I am in the process of trying to figure out why no matter what i do i cant seem to raise my credit score. So i keep seeing this Apple card pop up on my report. I have written a letter some time ago and submitted complaints that this was a fraudulent transaction. This debt that i didnt even have knowledge of until it was overdue has been haunting me for 3 years now and constantly hitting my credit score. I want it off immediately! Also i saw on the bill they sent me that whoever had that account had the same name as me and the same social except like two numbers were different ... .have no idea what their birthday was.
Company Response:
State: SC
Zip: 29150
Submitted Via: Web
Date Sent: 2021-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-06
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Under my findings 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ) I can not be discriminated against for any Type of credit transaction I was denied a line of credit however a credit transaction took place with this company Now i feel discouraged of applying for any future lines of credit
Company Response:
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2021-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-06
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2021 I applied for a credit card by granting the extension of my credit to Apple Credit Card so that I could in turn use the credit card for educational purposes. However, the company denied me at the end of the application process and advised me that " Unfortunately, Goldman Sachs Bank USA is not able to approve your application right now. '' I received an email from them telling me that this decision was based upon the inaccurate and unverifiable information reported on my credit report. Specifically, due to 1 ) Serious delinquency and public record or collection filed 2 ) Time since delinquency is too recent or unknown 3 ) Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high. And may I add that this information they received from the credit report they pulled and made their decision based off of is overloaded with inaccurate and un-validated adverse acting information. So you mean to tell me that you didn't even bother with conducting a full investigation upon the information you obtained in regards to the credit worthiness of my application? That is deceptive practices. Now, not only did this company benefit from my consumer credit due to a credit transaction but they also violated me and ran off with their benefit and left me XXXX out with no benefit at all. Like, they literally ran off on the plug on a good sis. This is wild crazy! I was violated and I can literally physically and mentally fell the violations, because I am HURT okay! Moving forward this company is in violation pursuant to 15 USC 691 Equal Credit Opportunity Act and regulation B pursuant to 12 CFR 1002.4 ; ( a ) Discrimination. A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. As the applicant I applied in accordance with the creditor 's procedures and they in return refused to extend the terms of the business that is a violation and they are not within regulated compliance pursuant to 12 CFR 1002.2 Their adverse action is not within compliance of the CFPB Their adverse action is not within compliance of the ECOA Their adverse action is not within compliance of my consumer rights and do not agree with the company response. Only one side received benefits from this consumer credit transaction and it was not me
Company Response:
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2021-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-06
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I was denied credit but under 12 CFR 1002 regulation B of Equal Credit Opportunity Act.I thought I cant be discriminate against under the following reasons that are described in that act. But I feel as if I was discriminated against. Under this law Im not supposed to be denied credit if a credit transaction took place. So now I am discouraged about applying for anything else. So I dont feel like I was protected during this credit transaction that took place. Also they used Consumer Reporting Bureau I have no knowledge of this Bureau.
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2021-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on GOLDMAN SACHS BANK USA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response:
State: CA
Zip: 92545
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
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: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureaus are reporting misleading information on GOLDMAN SACHS BANK ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Review this reporting by making a revision of the information provided. Adjust and process any corrections or deleted this from my personal file.
Company Response:
State: NV
Zip: 89183
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
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: On XXXX I placed an order with XXXX for {$160.00}. XXXX it shipped from XXXX On XXXX i started tracking ( bc in the past their packages have always arrived quickly. From XXXX to XXXX it showed just sitting with no updates or movement. I tried to contact XXXX via their app, as they don't have a phone number, no one every replied. On XXXX I filed a dispute with my cc for the amount. The package still hadn't moved and XXXX still would not reply. On XXXX I ordered the items they still had and we DID receive that package quickly. On XXXX I checked again and it still showed sitting in transit with no movement ( attached screen shot ) FINALLY on XXXX at XXXX : XXXX EST XXXX sent me an email telling me the package was lost and asking if i wanted a refund or for them to reship. I replied within an hour and advised them I wanted a refund because I had already reordered and received the other items. I also had to click a link on the email and click refund. I did NOT cancel my dispute as I have learned to not do that till refund comes thru. On XXXX, Goldman Sachs emailed me that they found in favor of XXXX and I was not getting a refund. I contacted Goldman right away and asked how they could find in favor of XXXX when the package was lost and they even said it was. I was told that XXXX told them I ordered the items. I explained it was never an issue of me ordering them the issue was the package was NEVER delivered. So Goldman sachs made me open a 2nd dispute for this same issue, which i did on XXXX. This time I sent them the email from XXXX stating the package was in fact lost. On XXXX, i get another email that they sided with XXXX again. I called Goldman again to find out how in the world they could side with XXXX when I sent proof it was lost. They said XXXX sent them proof it was delivered. Since it was not delivered I asked to see the proof. On XXXX i got a photocopy from Goldman that showed the package was IN TRANSIT on XXXX, This is also a screen shot i had from XXXX showing the package was " in transit and not delivered ''. Nothing shows it delivered. And again, XXXX emailed me on XXXX stating the package was LOST. I asked for a supervisor at Goldman and again was told they would have to open a dispute. So this is the THIRD time they are making me dispute this and refuse to help me. I have the emails, screen shots and what Goldman sent me showing it was NOT delivered. Goldman will not allow me to talk on the phone with them and constantly make me use texting. It is not going on 5 months and they refuse to help.
Company Response:
State: GA
Zip: 30097
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in XXXX and XXXX in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 1. GOLDMAN SACHS BANK USA XXXX Balance {$3900.00}
Company Response:
State: WA
Zip: 98003
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for an apple credit card and was declined after my application was accepted. I received an email on XX/XX/21 stating that my application was reviewed and that I was denied for having too many inquiries and high limits on current cards even though Im paying my bills on time. This is discrimination again me a federally protected consumer who has the right to extend credit.
Company Response:
State: LA
Zip: 71105
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A