Date Received: 2021-11-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I, XXXX XXXX have received a hard inquiry after applying for a credit card with Apple Card/GS Bank on XX/XX/2021. I am a victim of identity theft and did not give permission for these assumed credit reporting agencies to have access to my information. Under 15 U.S. Code 1681n, " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' Please have this inquiry removed.
Company Response:
State: NJ
Zip: 087XX
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
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 XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not persuaded that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on GS BANK USA ( Account # XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response:
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: After I found a billing error and requested documentary evidence after an investigation was complete, the account opened by my open end consumer credit plan was CLOSED on XX/XX/XXXX. Closed with clarification or documentary evidence of indebtedness. The account was closed on XXXX XXXX and an investigation was started XX/XX/XXXX Pursuant to regulations of the Consumer Financial Protection Bureau under 15 USC 1666 ( d ), a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account. I have attempted to resolve this on XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. This is not my obligation because I used my charge card issued under my open end consumer credit plan. The obligation belongs to the United States pursuant to 18 USC 8.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-01
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I trade in my Apple Watch series 6 for Series 7 On XX/XX/XXXX Apples receive my series 6 watch for the trade-in on XX/XX/XXXX I receive an email from Apple stated I must unlock my Apple Watch because it is locked am fine my phone I called an text them on XX/XX/XXXX to tell them my watch is not lock to my phone either send pictures of it that is not lock to my phone They stated theyre going to send a report to the trading department on XX/XX/XXXX they sent me a topic to do on that app that I must accept or reject their offer for the Adjustment I see no adjustment price than the {$210.00} that what them Stated that I going to get so I call in On XX/XX/XXXX to ask the representative if Im seeing right because everyone knows when you see a adjustment you should see a price near to it r what it going to be adjusted to the one on of that so the representative told me I must go ahead and except because shes only seen the {$210.00} now Apple want to play game by sending an email to my phone stated that my trade-in is XXXX dollars and they can take my brand new watch I want to know where is the fairness in that one and Goldman Sachs is sitting on the sidewalk line do not want to do anything I watch Apple charge me {$220.00}
Company Response:
State: NY
Zip: 10466
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Marcus has locked my savings account and won't disclose anything for 1-2 days. I opened a new account at XXXX XXXX on XX/XX/2021 and initiated ACH transfer from XXXX app to transfer over all my funds ( about {$6400.00} ) from my Marcus savings account. On XX/XX/2021, XXXX informed me that they had to cancel the transfer because Marcus refused, and asked me to try initiating the transfer from Marcus app. So on XX/XX/2021, I initiated ACH transfer from Marcus app. Marcus gave me a call at XXXX XXXX ET, but I missed the call and later in the night found out that they just locked my account and funds. It says " temporarily locked ''. I called their customer care as soon as I could today on XX/XX/2021 at XXXX XXXX ET, and they said that they just had to verify that the XXXX account is owned by me before they could do anything, and to that end they had to put XXXX XXXX on conference call along with me, but that XXXX XXXX 's customer care wasn't open at the time. So they asked me to call back after a few hours when XXXX was open, to proceed with the bank account verification process. I called back at XXXX XXXX ET, went through the phone verification to prove that I was the Marcus account owner. They then put me on hold for a few minutes to go ahead and verify XXXX 's account, came back and bluntly told me that they'll get back to me in 1-2 days. When asked why would unlocking my account take 1-2 days, they refused to give any information and said that they can not disclose anything to me at this time. So how is a financial institution allowed to do this? They're locking up my funds and are saying that they can't disclose anything despite me having proven that I was the owner right at the beginning of the call.
Company Response:
State: FL
Zip: 32807
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-28
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: Hello, I am seeking help for a very frustrating situation with my credit card company. It is an Apple Card managed by Goldman Sachs. My XXXX statement total balance shows as {$810.00} On page two of the statement the total amount of charges, returns and refunds is {$760.00} There was a return in the amount of XXXX posted on XX/XX/21. The difference between the balance shown on page 2 and the statement balance is XXXX. That amount was subtracted on page 2 but never reflected in the statement balance or the amount I am expected to pay. It is also not reflected in my current balance. In other words, while the credit is clearly shown in my statement, it was never actually subtracted from the total balance. I spent an hour and 10 minutes on a chat with Goldman Sachs customer satisfaction representative who stated that the amount had already been deducted and there was no discrepancy. Clearly it was not but the representative would never acknowledge that. It took an hour and ten minutes. The first representative with whom I spoke acknowledged that they could see the discrepancy but the supervisor flatly refused to acknowledge it. Either the supervisor is completely incompetent or there is something very shady going on at Goldman Sachs. So, I am being charged {$49.00} for what should have been a refund. Everyone who has an Apple Card should be checking their balances very carefully. How can you help me to resolve this? Thank you very much for any assistance you can provide. Sincerely, XXXX XXXX
Company Response:
State: WA
Zip: 98125
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Why do investors have the right not to show their name on the consumers credit report. When the consumer has a Mortage with their company. Does the name of the investor have any effect on the consumer credit report. This has happened to me. XXXX who is the monitoring agency not Goldman Sachs. XXXX had to request permission to give me the company I am paying my money to every month.
Company Response:
State: MO
Zip: 63136
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-26
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/XXXX approximately, Goldman Sachs suspended my apple card for a fraud investigation. There is no identity theft on this account. I charge thousands of dollars per month and pay it in full every month without fail. This company will not provide a reason why, they won't give me any details. I have contacted their customer service several times, I have messaged fraud supervisors up to the VP on XXXX. No one will explain why ... this has created a massive inconvenience. You can't do business with apple if you don't have an apple card. I use it for my business, for personal, for my laptop, for my families phone installment plans etc. All of our services and recurring financial commitments have grinded to a halt. They mentioned something about identity theft when I called, but there is none. I have verified everything with them... REPEATEDLY. This has become a pattern over the last month. My wife and I bought a house and have tried repeatedly to use the card at XXXX and they blocked those purchases for potential fraud? I called repeatedly and said, please stop it's me. It's not fraud. I bought a house ... can you stop please? They refuse. They tell me there is nothing they can do to stop the fraud prevention or what I call harassment. This should be illegal? I'm forced to abandon XXXX completely or deal with the harassments from their fraud department. I do not deserve this. I have been a perfect customer. They refuse to help me when I call. Please help. Note : they blocked my card number in the app. I can't provide it.
Company Response:
State: NC
Zip: 27103
Submitted Via: Web
Date Sent: 2021-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-26
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 started a dispute on XX/XX/2021, for an order that I returned to the merchant and no refund was provided. According to the carrier tracking information, my return was received and signed for by someone at the merchant 's warehouse. In the following weeks that I still had not received a refund from the merchant, I contacted the merchant multiple times, and each time I was assured I would be receiving a refund soon or that I should dispute this charge with my financial institution. I had used my Goldman Sachs Apple card for this purchase, so I contacted customer support and a dispute was opened for me. I received a follow-up email requesting additional evidence " Documents Requested by XX/XX/2021 '' and I sent all relevant documents I had on XX/XX/2021 by replying to the email. Then, on XX/XX/XXXX, I received an email stating : " Your transaction dispute was not resolved in your favor. Goldman Sachs Bank USA has investigated your transaction dispute, and it's been resolved in favor of XXXX XXXX XXXX XXXX because : The merchant provided sufficient evidence that you made the purchase '' First, the reason for my dispute was not that I did not recognize this charge or that I was not the one who made the purchase, when I opened the dispute I specifically told the agent who made the dispute for me that I had returned my order and the merchant had not issued a refund. So the merchant providing evidence that I was the one who made the purchase is irrelevant to my dispute. I then contacted Goldman Sachs Apple card support again and they insisted that the dispute was opened under the correct reason, so then why did my dispute resolve in favor of the merchant under a totally different reason? My dispute was reopened on XX/XX/XXXX and having received no update or email regarding this dispute, it was closed once again in favor of the merchant on XX/XX/2021. The email I received stated : " Goldman Sachs Bank USA has investigated your transaction dispute, and it's been resolved in favor of XXXX XXXX XXXX XXXX because : No response was received for the request for additional evidence in the past week. Using available information, we decided that you should be responsible for this charge '' I had not received any email requesting additional information this past week, let alone since my dispute was started on XX/XX/XXXX. I had received no communication from Goldman Sachs since XX/XX/XXXX regarding this dispute. When I asked the agent when the email was sent regarding additional information, she told me it was sent on XX/XX/XXXX. Again, I received no such email and no communication from Goldman Sachs since I reopened the dispute on XX/XX/XXXX. Even if the email was sent on XX/XX/XXXX, that would not be within a week of XX/XX/XXXX, which was the reason given for my dispute being closed. The agent I spoke to simply told me I can reopen the dispute, but what is the point of reopening this dispute for the third time if Goldman Sachs does not plan to carry out an investigation or even look at the evidence that I submitted on XX/XX/XXXX for my initial dispute, which clearly show that I have returned my order, the merchant has received my return as it was signed for by the warehouse, and the multiple customer agents I spoke to acknowledged their receipt of my return and assured me that I would be getting a refund soon, and that I should open a dispute with my financial institution if I still did not receive the refund. In the email I sent with my documents, I attached chat correspondences I had with the merchant on the dates : XX/XX/2021 ; XX/XX/2021 ; and XX/XX/2021. Also attached were screenshots of my XXXX return package tracking information. If the merchant is acknowledging this, I don't understand why Goldman Sachs is refusing to back up their customers and still closing the dispute in favor of the merchant using nonsense reasons. It has been 4 months since I started this dispute, with no resolution and Goldman Sachs is continuing to drag this out by insisting I reopen the dispute, knowing they would resolve in favor of the merchant again. I have heard plenty of customers in a similar situation as I am now, who have tried to dispute charges with Goldman Sachs Apple card and have had terrible experiences. One look at my evidence and the documents I provided should be enough to resolve this dispute, and yet their refusal to do so is very alarming. If Goldman Sachs has no plans to help their clients, why even bother having the dispute option. My dispute should've been a very simple one, I returned an item and the merchant has not issued a refund. Yet, each time the dispute has been resolved in the merchant 's favor for some totally irrelevant reason that makes no sense.
Company Response:
State: NY
Zip: 11355
Submitted Via: Web
Date Sent: 2021-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-25
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 opened an Apple card in XX/XX/2021 as part of the process to purchase the new XXXX XXXX. I was approved for amount required and completed the transaction on XXXX 's website. At some point during the transaction there was some failed communication between XXXX and Apple Card, because Apple Card shows a pending transaction for over {$1400.00} but XXXX the merchant has no record of the transaction. The card now is basically unusable because until the transaction clears I can't reorder the product. The transaction has been pending since XX/XX/XXXX and even though I've spoken to XXXX ( in person and on the phone ) multiple times and Apple Card multiple times, each side says the problem is on the other side and no one will help me. Apple Card says pending transactions will be cleared after 2-3 days and at most 2 weeks after a merchant starts a charge. It's now been 5.5 weeks of this pending transaction. I tried to dispute the charge but Apple Card says they can't dispute the charge until it posts. So basically until this transaction posts, I'm in complete limbo when I tried to use an Apple credit card to purchase an XXXX product.
Company Response:
State: NJ
Zip: 08822
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A