Date Received: 2021-09-03
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I opened an Apple Card account in XXXX of XXXX, and I was assigned a paltry limit of {$250.00}. Since that time, I have used my card often, and every few days am forced to make a payment so I can free up available credit in order to use my card again. After asking to have my initial limit reconsidered, Goldman Sachs told me I must wait 90 days before I can request an credit limit increase. Yesterday, I requested an increase, and was denied because a payment I made was recently returned unpaid. The returned payments occurred on XX/XX/XXXX and XX/XX/XXXX. Neither payment was returned due to insufficient funds. The payment on XX/XX/XXXX was returned due to uncollected funds. A deposit I made the previous day was not made available until two days later. The funds were there, but they were inaccessible. The payment on XX/XX/XXXX was returned due to my account being frozen. Someone was able to obtain my debit card number, replicate my card and use it to withdraw funds at a non EMV atm. The bank froze my account to make sure no one obtained my account number to withdrawal funds. After it was confirmed that my account was secure, the account was unfrozen. I have made a diligent effort to demonstrate to GS that I am capable and willing to make timely payments on my account in full so that in return, GS increases my credit limit so that I can use my card regularly without having to pay the balance every other day. Through no fault of my own, this effort has been handicapped. My dob is XX/XX/XXXX. The last four of my SSN XXXX.
Company Response:
State: MD
Zip: 21158
Submitted Via: Web
Date Sent: 2021-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I wanted to open a saving account with Marcus Bank and they rejected my application saying that they could not find and validate my identity. I have valid SSN, XXXX, Passport etc. so why they would reject my application.
Company Response:
State: TX
Zip: 75019
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DEPT OF ED Date of inquiry : XX/XX/2020 This is not mine. 2. Identity Theft GS BANK USA Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 106XX
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
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: This problem has been ongoing since XXXX, I have had to open multiple disputes through Apple credit card ( goldman Sachs ) and every time I open disputes, they ALWAYS favor the merchant ( XXXX ) There were multiple unauthorized purchases on my card through XXXX, XXXX helped with most of them besides one order that was {$1400.00}. My credit card issuer Goldman Sachs is saying that the dispute keeps favoring them no matter what evidence I give them. I really want to sue or something, I have no idea what to do now. Goldman Sachs wants me to pay them the full XXXX no matter what. I did not make this purchase through XXXX. Order was made on XX/XX/XXXX, and I had to open like 10 disputes already through them. XXXX said they cant refund it because my account was closed or suspended ( because it was hacked ) but no idea why they wont help at all. I do not plan for paying this AT ALL. If you need proof of anything, let me know please
Company Response:
State: CA
Zip: 92867
Submitted Via: Web
Date Sent: 2021-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-29
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 emailed XXXX XXXX for a refund due to work improperly done on my car. Disputed Transaction Details Dispute case number : XXXX Transaction date : XX/XX/2021 Merchant name : XXXX XXXX Disputed amount : {$170.00} Amount resolved in merchant 's favor : {$170.00} XX/XX/2021 : I started a dispute with Goldman Sachs/Apple Card. XX/XX/2021 : I responded with evidence that I contacted XXXX XXXX for a refund and attached photo evidence of the improper work. XX/XX/2021 : I emailed more evidence to Goldman Sachs/Apple Card. XX/XX/2021 : I messaged Goldman Sachs/Apple Card customer support to ask about the status of my dispute, they said it was pending. XX/XX/2021 : I'm notified that I lost the dispute because I did not submit evidence. XX/XX/2021 : I speak with XXXX, the highest supervisor level at Goldman Sachs/Apple Card customer support. He acknowledges that evidence was indeed received, but does not know why the decision is based-on lack of evidence. The case is re-opened. It has been months now. I have followed proper procedure, but Goldman Sachs/Apple Card failed to properly handle my dispute. Disputed Transaction Details Dispute case number : XXXX Transaction date : XX/XX/2021 Merchant name : XXXX XXXX Disputed amount : {$170.00} Temporary credit : {$170.00}
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-28
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/21 I was approved for a Goldman Sachs Apple MasterCard. On XX/XX/21 I used the cards Iphone apple-pay feature at XXXX/XXXX for a gasoline purchase at the pump. The charge for {$66.00} appeared on my account and then later it disappeared. I called Goldman Sachs Bank to inquire why and was told it must not have processed properly an that it was up to me if I chased down the merchant to get it corrected. I pointed out this is not fair. The issue is the apple pay feature and I got my {$66.00} in gas so the merchant should get paid. The customer service rep said it isn't their problem and it happens all the time. So Goldman Sachs and Apple are cheating merchants and doing this at a time when these merchants can't afford to be cheated.
Company Response:
State: CA
Zip: 92211
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I was charged {$500.00} two times for product I have never received. The bank is refusing to refund money for these fraud charges and they are backing up their partners Apple, Inc. They said they have the rights to charge my card and I cant do anything about it. This credit card with gold man sacks is called apple credit card that is why they are taking apple side! I have not made these transactions and i want my money back asap!
Company Response:
State: CA
Zip: 947XX
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
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: Fraudulent charge of {$900.00} after being hacked. Tried resolving with Goldman Sachs since XX/XX/24 and keep charging me the {$900.00}. Keep declining the fraudulent charge claim telling me it was legit. Its now 120 days and they keep charging me.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: On XX/XX/2021, I received an email from Marcus congratulating me for a new CD account. I called Marcus customer support immediately as I had an old CD account expiring in XXXX and I do not wish to have a new CD. The agent informed me that I was 3 days too late and the CD has already been automatically renewed into a new CD with uncompetitive interest rate under the terms and conditions when I opened the old CD account. I told Marcus that there was insufficient disclosure from Marcus when the old CD was expiring in XX/XX/2021 that it would get automatically rolled into a new account, and this is clearly a UDAAP violation to deceive customers into opening a new account without informed consent. After escalating to customer support manager, I was told that Marcus considered that it was sufficient for them to only include this clause in their terms and conditions when I first opened the CD account a year ago and they did not need to disclose it at the time of CD expiration. I was told by customer support that I would be charged ~ {$19.00} early withdrawal penalty. I consented on the phone of account closure and told them that I disagreed with this fee and would file a CFPB complaint for insufficient disclosure and fees by Marcus on automatic renewal. In addition, Marcus also did not send me any receipt of the early withdrawal penalty it charged my account as the CD account disappeared from its website after closure.
Company Response:
State: CA
Zip: 94112
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Goldman Sachs Marcus randomly closed my account on XX/XX/2021 for no reason, wouldn't tell me why. I had about { {$2000.00} } in the account, was going to move in more. I hadn't done anything with the account, so it was very confusing. They wouldn't provide any information " for security purposes, ''. They sent me to my linked bank to recall the funds which i was told is not possibe because it was not a debit /credit card transfer - this whole unfortunate turn of events is causing stress.
Company Response:
State: MD
Zip: 21136
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A