Date Received: 2021-10-14
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Starting on XX/XX/XXXX I began receiving calls from Goldman Sachs. I explained I am not the Debtor they are seeking, but I am the mother. My son is in XXXX and has been in XXXX since XX/XX/XXXX. Since XX/XX/XXXX I have received XXXX calls, some days 3 times a day with me constantly saying I am not the Debtor. I asked on XXXX of the calls from yesterday XX/XX/XXXX and today XX/XX/XXXX to remove my number from the list. I was told on today by " XXXX '' ( I think ) she can not remove my number. After XXXX calls before XXXX I have since then received XXXX more calls. I am not the Debtor, I do not owe you money. The phone number you continue to call is my phone I pay the bill on and I will not stand for harassment.
Company Response:
State: FL
Zip: 33028
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello there and thank you for helping out, I wanted to reach out because I have a XXXX XXXX and have not been able to make a payment on my Apple Card. I tried to login however my XXXX ID is locked out and in recovery mode and I have not been able to make a payment because of it. I never got a phone call, email to my XXXX regarding any lates or delinquencies, Ive NEVER been late ever on my accounts and this is surprising!! XXXX never sends any physical statements so how on Earth would I know Im late? I didnt get anything in the mail stating I was late or past due. I cant even login and attempted to make a payment on the phone as well
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-13
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Goldman Sachs is listed as a credit card on my credit report. I dont have this credit card and never did. Please close this account for me. Thank you!
Company Response:
State: TX
Zip: 75032
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-10
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 made a purchase at XXXX for 2 bikes on XX/XX/2020. I used my Apple Credit Card. I never received the merchandise and have disputed the charge 6 times over the last 6 months with Goldman Sachs ( who issues the Apple Credit Card I used to make the purchase ). I go into an endless loop when trying to resolve it with them : - I dispute the transaction. I never received the merchandise from this merchant. - Apple Card agent files a report and credits the transaction fee temporarily - A few weeks later I get the letter forwarded below that says The merchant provided sufficient evidence that you made the purchase- I call to get the information provided expecting a tracking number or some other form that evidence that the merchandise was shipped and received ( which I know doesnt exist as I never received the merchandise ). - The agent always replies with- well it doesnt really show that we received anything from the merchant - I will refile your dispute. - A few weeks later I get the letter forwarded below that says The merchant provided sufficient evidence that you made the purchase I ordered this merchandise on XX/XX/2020. So as you can see I have been dealing with this for over a YEAR! I have filed no less than 5-6 disputes. I have requested information about the evidence the merchant provided over 5-6 times. I never get anything. I have tried to contact the merchant multiple times through phone calls and letters over the last year. I never get a response- so I know that agent/ team isnt getting one either. Yet the letter keeps saying The merchant provided sufficient evidence that you made the purchase. This just isnt true and is a fraudulent claim. I made the purchase - I told them that- not the merchant. I never received the merchandise and I believe the merchant went out of business during the year of COVID. I gave the merchant ample time to deliver before filing the dispute as I assumed Covid was delaying shipments. However, the merchandise never arrived and now I have found other merchandise to take its place. I cancelled the order for non-receipt about 6 months ago.
Company Response:
State: CA
Zip: 92024
Submitted Via: Web
Date Sent: 2021-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-11
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 XX/XX/2021, i was issued a credit from the XXXX XXXX back to my Credit Card. The amount was {$860.00} for a refund. I asked the credit card company to use those funds to pay off an installment on a device, i was told they could not do that ; I then asked for them to issue a check in my name for the total amount the was credited and in a positive on XX/XX/2021 and two other occasions as well. The Credit Card in question is the Apple Card a MasterCard managed and owned by Goldman & Sachs in conjunction with XXXX Rights. I have also contacted the XXXX XXXX for assistance on multiple times with Goldman & Sachs to no avail. I simply would like to use the funds i have currently of {$760.00} to either pay off one of the installments or that i be issued a check as the credit card company should return any excess payments to the consumer.
Company Response:
State: IN
Zip: 46312
Submitted Via: Web
Date Sent: 2021-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: please remove these 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft GOLDMAN SACHS BANK USA Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
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: My account was hacked XX/XX/XXXX for {$86.00} at XXXX XXXX and then {$0.00} at XXXX ( the card was frozen and I immediately report the transactions ). I was clocked in at work, driving out of the state at the time these transactions were made. I submitted the dispute and apple came back saying I was responsible for the charge. They did not let me submit any evidence and said they would mail me the evidence the merchant submitted. I submitted the charge again for fraud and it is still pending. XXXX released an update because they had a data leak that got peoples apple cards hacked. I updated my XXXX, changed my virtual and physical card number as well. On XX/XX/XXXX my card was charged {$0.00} at XXXX. I submitted this immediately as fraud. I went through apples steps of changing all my card info again and turning on the advanced fraud alert. On XX/XX/XXXX my card was attempted to be charged {$32.00} but declined. I submitted this immediately as it was fraud. I actually stopped using this card in XXXX due to all the hacking issue that was unresolved from XXXX. XXXX told me all I could do was change my card information AGAIN, which I did. They told me that hopefully I wont be hacked again and Im not responsible for charges I did not make. However the refuse to give me any information on the party city purchase. I had to asking again for the evidence from the merchant. I do not know what to do. I have never had this many issues with a credit card.
Company Response:
State: TX
Zip: 76209
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Apple Card through Goldman Sachs advertised as 0 % for 12 months. Got it for/with thousands of dollars in apple products. Then they immediately started charging interest. I complained and they said oh yeah you get no interest if you pay the balance every month. Duh. Thats the law. I fee completely scammed and would like to be part of a class action against apple.
Company Response:
State: OR
Zip: 97520
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
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: Transaction date is XX/XX/21 for the amount of {$1200.00} dollars and merchant is XX/XX/XXXX The reason for this dispute is because i purchased an XXXX XXXX XXXX XXXX and was received a XXXX XXXX. I have tried to contact the merchant but they have a fake phone number online and numerus scam reports online. They do not reply to email as well as they only have robot replying. This has been the most ridiculous dispute I have ever had in my life. The first dispute was submitted back in XX/XX/21 and it was denied due to " merchant has proof that i have made the purchase '' I called back apple and told them I have NEVER ever said that it was a fraudulent purchase. They reopened the case and it was denied under the same reason, so is the third time, finally the fourth time they changed a reason. They denied the case again due to " merchant has provided a credit '' I called XXXX again and the agent apologized to me and told me she just checked and no credit was provided by the merchant. She re-opened the case again. But i doubt this time it will be resolve so i have to complain here. It feels like whoever is working on the dispute just check whatever reason they want. They didnt investigate thoroughly. Even the agent i talked to that help me open the dispute told me she is sorry and she has heard so many people got scammed by XXXX. But I am not resolving at my end and losing so much money getting scam because Goldem Sachs bank for XXXX can not protect me and they made decisions randomly. I have a good credit, barely report for dispute and yet this is first time happening to me.
Company Response:
State: CA
Zip: 91801
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I opened a credit card with apple. Shortly after making a donation to winred via Apple Pay which uses my Apple Card they blocked the card. The company refuses to help me unblock the card they are also refusing to give any guidance as to why or fix it. They are trying to ruin my credit for donating to an opposing political party as a war vet I find this absolutely disgusting. I have contacted XXXX XXXX by email to help motivate his team to do the right thing and yet the customer service is continuously classless.
Company Response:
State: TX
Zip: 764XX
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A