Date Received: 2021-09-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Primary address is wrongaccount is on freeze and companies still accessed credit report. Wrong phone numbers or numbers that do not belong to me
Company Response:
State: MA
Zip: 01453
Submitted Via: Web
Date Sent: 2021-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-10
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Goldman Sachs ( Apple Card ) Payment placed on XX/XX/XXXX could not find payment of {$4900.00} an investigation was done internally. Provided them with check tracking number, date issued, and the amount. Was charged interest because they misplaced payment. Contacted issuing bank and they did their own investigation. They stopped payment and re issued it to me in which I then sent payment in a higher amount of {$6700.00} posted on XX/XX/XXXX another payment of {$300.00} posted on XX/XX/XXXX and {$1000.00} posted on XX/XX/XXXX payments posted in XX/XX/XXXX {$300.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$1000.00} to Goldman Sachs . They charged me interest again. A total of {$200.00} in interest which shouldve been refunded. Made several complaints between the dates XXXX. Kept giving me different information asking for the same proof of payment ( sent via text XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) emailed proof, ( XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, and XX/XX/XXXX XXXX ) They havent reviewed or documented anything properly. Ive been on the phone for almost 2 hours at a time over the last 6 weeks trying to get them to refund the interest including going over every charge made since XX/XX/XXXX.
Company Response:
State: NJ
Zip: 07712
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-10
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for the apple credit card and they denied me which is very unreasonable I meet all of their qualification for the products. my income is high and they declined me with XXXX reasons.
Company Response:
State: TX
Zip: 75044
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX XXXX It was 3rd time talking ( 1 ; 30min/over the phone ) with them " apple credit card suport '', second time they said payment went throug so i closed account. after few days i received email that it didnt i call them again.she said payment didnt go through, i paid again.today i was checking my credit report, and i saw that the amount {$310.00} was still there.so i texted they said you didnt pay, after i prove to them with facts that i did and i got this response after more than 1h texting my credit report is fair, so please do something i have to renew the lease
Company Response:
State: NJ
Zip: 07010
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-09
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: Are used to really enjoy using my Apple card because of how convenient it was however Ive come to the realization that my Apple Card and Goldman Sachs does not give a XXXX about me at all. Because every single time there is some kind of fraudulent transaction or if I have issue with a purchase made Goldman Sachs and Apple are no help whatsoever, they never rectify the issue and always leave me responsible for the charge even though it is either fraudulent or I never received the item. No other credit card company does that to me except for the Apple Card.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX I made a payment from my XXXX bank account to Goldman Sachs Apple Card in the amount of XXXX. XXXX has been able to provide me all ACH information proving they sent the payment but Goldman Sachs keeps making up different stories about the situation. At first it was insufficient funds, then it was that they sent a payment back to me. Goldman Sachs has been non compliant and cant provide any tangible data. Im reaching out to cfpb to get this resolved.
Company Response:
State: UT
Zip: 84115
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened a CD account with Marcus Bank on or about XX/XX/2021 under account # XXXX. The CD is in the amount of {$250000.00}. On Saturday, XX/XX/2021, I received an email message from Marcus to notify me that this CD account had been closed. I called Marcus on Tuesday, XX/XX/XXXX ( the bank was closed on Monday for XXXX XXXX ) to ask what account was closed. I was told by the representative, named " XXXX, '' that the account was closed and that the {$250000.00} plus interest ( a total of {$250000.00} ) was withdrawn and the account was closed. Marcus could not tell me what happened to the account or where the money went. I was told that they would look into what happened and that I should contact them in a few days. My online account shows my two other accounts at Marcus -- a saving account and another CD -- but there is no record whatsoever of the CD account that was reportedly closed. It is too early to know if this was fraudulent or gross negligence, but in any event, Marcus was quite casual about my missing money. I want to make sure that I get my money back.
Company Response:
State: PA
Zip: 18042
Submitted Via: Web
Date Sent: 2021-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am submitting this complaint because I am being extremely affected by Goldman Sachs, They are being completely unfair and I dont know how to get ahold on them but through this portal. I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. I started this Goldman Sachs accounts Apple card account online, I never received this card, leave alone any statements or bills. I did not have possession of the card. Later I found that I had been marked late for a XXXXcent charge on my credit report. When I called Goldman Sachs Apple card, I was told that my account was automatically linked to my XXXX XXXX app store, and that I was prompted for this when I was setting up this account. I certainly did not authorize this, and if it was done, it was in the fine print that a customer can not even see. This late payment has destroyed my credit, I was about to file suit against Goldman Sachs, who have refused to remove the late payment. As a last resort prior to taking legal action, Im submitting this complaint to see if Goldman is willing to resolve this matter by remove the late payment from my credit report. Account information : Account number : XXXX Open date : XX/XX/20 Balance : {$0.00} Remedy : remove the late payment from my credit report.
Company Response:
State: CA
Zip: 95032
Submitted Via: Web
Date Sent: 2021-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My credit has been pulled fraudulently. Please remove inquiry
Company Response:
State: NJ
Zip: 086XX
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Goldman Sachs is reporting deposits that I make into my Goldman Sachs Marcus money market account as " Collection '' withdrawals from my XXXX XXXX XXXX checking account : please see supporting documentation of at least 5 examples of these " Goldman Sachs BA Collection '' withdrawals that have posted on my recent XXXX XXXX Bank checking account statements. These incorrect postings are causing XXXX XXXX 's mortgage division to inquire about these " collection '' activities, which they claim that I did not disclose to them. These multiple and compounding instances of inaccurate reporting by Goldman Sachs are jeopardizing my loan approval and damaging my credibility with XXXX XXXX and XXXX XXXX XXXX. I contacted XXXX XXXX XXXX on XX/XX/2021, and XXXX XXXX XXXX confirmed that Goldman Sachs is the financial institution indicating each withdrawal from my XXXX XXXX XXXX as " collection '' activity.
Company Response:
State: NV
Zip: 89123
Submitted Via: Web
Date Sent: 2021-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A