Date Received: 2021-09-28
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: Stayed overnight XX/XX/2021. 1 night in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX. XXXX. I was charged 4 nights @ {$180.00} each and refunded only 1 night. I contacted the Hotel, which said they would look into the issue and process the refunds. I then contacted Goldman Sachs, regarding the unauthorized charges. They immediately marked 2 of the transactions for review. I contacted them further after two weeks time, I was informed that processing of the transactions in review could take up to 90 DAYS. Several transactions have since occurred, but my usable balance does not accurately reflect on my XXXX XXXX causing confusion, and hinders my ability to adequately determine the exact payment, and refund status that occurred for the overnight stay of the XXXX. My monthly transactions shows 6 travel related expenses for a single overnight stay including ; {$9.00} for refundable cancelation at the time of booking. {$180.00} XX/XX/2021 the above charges are the only valid transactions. {$180.00} XX/XX/2021 Transaction in review {$180.00} XX/XX/2021 Transaction in review {$130.00} XX/XX/2021 Card number used {$1.00} XX/XX/2021 Card number used My complaint is that transactions are immediately posted when it comes to charges to my account. HOWEVER, transfer of money, refunds and disputes ( often with charges ) take several days to several months to complete. In a world where technology can transmit at the speed of light ( proven with every charge or payment, transfers, refunds and disputes are impossible to resolve in any reasonable time. I've sent my complaints to my Representatives, and complained directly to the companies involved. I view this as an unacceptable practice, and have lobbied to have better response to issues, when Banks and Credit Card companies need to refund at the same speed and efficiency as they post sales, and collect interest.
Company Response:
State: AL
Zip: 365XX
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I called and texted serveral time trying to get Apple and Goldman Sachs to update my credit limits they havent reported since XXXX
Company Response:
State: TX
Zip: 76549
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-26
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: So I applied for an Apple Card through apple and they said that the report from you guys saying a savings or checking account in my name was recently closed and thats not possible because i dont have a bank account and also my current address you guys have down i incorrect I havent lived at XXXX XXXX XXXX in 6 or more months and I tried calling you guys and I got no help whatsoever
Company Response:
State: CA
Zip: 95838
Submitted Via: Web
Date Sent: 2021-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I ( a natural person ) was issued a false debt that was mailed to me. I have sent a affidavit of truth proof of validation exhibit and have not received a response. The alleged debt is a defamation of character which is in violation of of title 15 USC 1692b ( 1 ). Also within the collection the credit card company is adding interest to the alleged debt which is in violation of title 15 USC 1962f ( 1 ) below I have attached the statement
Company Response:
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2021-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I XXXX XXXX, entered into a consumer credit transaction with Goldman Sachs Bank Usa on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. Goldman Sachs Bank Usa, outside of the finance charge, charged me monthly/incremental payments, as well as late fees for the monthly/incremental payments, which clearly violates 15 usc 1605. Furthermore, Goldman Sachs Bank Usa never clearly disclosed to me their violations, which itself is a violation pursuant to 15 usc 1611.
Company Response:
State: MD
Zip: 20720
Submitted Via: Web
Date Sent: 2021-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-25
Issue: Problem with a company's investigation into an existing issue
Subissue: Problem with personal statement of dispute
Consumer Complaint: I was trying to order a XXXX for apple And had to set up a Apple Card Application, I was denied for my identification, I figured out why and tried to change and it it was declined again for trying to correct my error and it says I have tried to many times now, and I just want to clear it up so I can get my application approved.
Company Response:
State: OK
Zip: 73013
Submitted Via: Web
Date Sent: 2021-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a savings account with Marcus by Goldman Sachs, after a few weeks I tried to do withdrawal and I couldn't, after a few tries and after multiple calls to costumer service they closed my account without telling me the reason, it seems like they are entitle to not share that informations, even if its your own account. It's been 3 weeks since I called, and still haven't received my {$350.00} dollars that it was in my account, I've been calling every week since, and they keep telling me that they don't know how long os going to take to get my money back. They don't just closed my account without reason, but also they are retaining my money and not giving me any information about it.
Company Response:
State: CA
Zip: 92705
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-23
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On our about XX/XX/XXXX, I attempted to complete a mortgage application with XXXX XXXX to refinance my home loan. On or about that date, I was informed that my credit report contained a new delinquency that would prevent any refinancing. Specifically, my credit report indicated that an XXXX XXXX was taken out in my name for more than {$7000.00} in XX/XX/XXXX, that the issuing financial institution, Goldman Sachs Bank, closed the account in XX/XX/XXXX with an outstanding debt amount of more than {$15000.00}, and that GS Bank reported a delinquency on my credit report in XX/XX/XXXX. I have never owned an XXXX XXXX, have never received communications about any such card from XXXX or Goldman Sachs Bank -- account statements or otherwise -- and had no knowledge that any such debt existed, was charged off, or reported. I have pulled my credit in the past two years and monitor it actively on XXXX XXXX and this XXXX XXXX did not appear on my report. I first learned of this through XXXXXXXX XXXX XXXX summary of my credit report. The mortgage broker at XXXX XXXX, XXXX, gave me contact information for Goldman Sachs Bank. I contacted Goldman Sachs Bank on XX/XX/XXXX and reported the identity theft. The person I spoke with also gave me information for credit reporting agencies, who I contacted between XXXX XXXX ( XXXX, XXXX, and XXXX ). They are currently conducting investigations about the GS Bank items on my credit report.
Company Response:
State: CA
Zip: 90230
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My Apple Card information was used I went to the XXXX store where it was used at and XXXX the head lead couldnt find anywhere where my card was used and searched for anything bought with my email and there was nothing however when I was working clocked in serving tables in a different city my card was used for XXXX $ And I did not make that purchase or authorize it I was working
Company Response:
State: TN
Zip: 37814
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2021, I went into the XXXX XXXX in XXXX XXXX, Mi to purchase an XXXX with a consumers credit transaction. Apple ran my credit through GOLDMAN SACH BANK USA without my knowledge to get an apple credit card and I was not approved. Under 18 USC 1028 ( a ) - FRAUD AND RELATED ACTIVITY IN CONNECTION WITH IDENTIFICATION DOCUMENTS, authentication features and information ( 7 ) knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law ; or I was not approved based on information that APPLE took from someone else and obtained from someone else other than myself. I, as a consumer am the only who who can extend credit. Apple is in violation of 18 USC 1028 ( a ) ( 7 ). Under 15 USC 1602 ( p ) - DEFINITIONS AND RULES OF CONSTRUCTION ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Apple is also in violation of 15 USC 1602 ( p ), unauthorized use! Under 15 USC 1681 ( b ) ( 2 ) - Permissible Purposes of Consumer reports ( a ) In General Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Apple did not have permissible purposes. I did not give Apple any written consent. No consent is identity theft. Please send me a copy of the written consent that I, myself gave you. Apple is in violation of 15 USC 1681 ( b ) ( 2 ).
Company Response:
State: MI
Zip: 48089
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A