Date Received: 2021-08-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Changed my phone number on the account, which forced a lock. Been trying to contact the credit card company and every time they say it is under review and I would receive a call from them, but I am yet to hear back in 2 months, every time I call they say they can not help since the verification call has to be an outbound call. Atrocious considering I can not access any of my account information, can not pay my bill without having to call in, all active subscriptions are on hold, and I cAn not use my account for any purpose. All I need is to verify my phone number, how hard can that be? Phone no in question : XXXX ( they need this to pull the acc info )
Company Response:
State: PA
Zip: 19320
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: *I attempted to open a CD online with Marcus by Goldman Sachs . *Their computer system failed and I had to complete opening the account with a representative. * I was told that their tech team will look into why their system was failing and that I MAY have online access in about a month. * I received hard copy forms to complete in the mail about a week later including the backup withholding statement. * The forms were mailed back the in the Marcus provided envelope the next day XX/XX/XXXX. * On XXXX I receive a statement on the account in the mail that showed a withdrawal for backup withholding. * I am told that yes backup withholding as they do not have the backup withholding statement that that was mailed over a week ago. * I offered to complete another form or send a copy if they would like to send overnight mailing instructions. * I was told that they do not do overnight for their customers etc., that someone from customer care would call me 1 to 2 days and by the way in another 10 days the backup withholding becomes non reversible. So I have spent 4 hours on my time trying to open and correctly post my {$250000.00} CD. Their computer system has failed, there is no urgency for them to fix it, the backup withholding form has had plenty of time to get to their OFFICE but someone would need to be working in the OFFICE to open the mail. They set a deadline for non reversal of the backup withholding and do nothing to accommodate the customer to offset their computer and administrative failures.
Company Response:
State: FL
Zip: 33917
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Contacted the company and credit bureaus regarding reporting issues.
Company Response:
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
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: Online order from XXXX for the amount of {$100.00} on XX/XX/2021 WAS NEVER RECEIVED. I have called numerous times to advise Credit Card company as well as merchant. CC continues to charge me for an item never received.
Company Response:
State: NY
Zip: 11231
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I'm and writing this just after talking with Goldman Sacs about my apple card. ( Date XX/XX/2021 ). So I was down in XXXX for a business trip back in XXXX. I used my apple wallet to pay for a few things totaling no more than {$140.00}. Every time I use my apple wallet it pulls from my apple cash first and then if I don't have any apple cash it will pull from my checking account ending in XXXX. Well this time it randomly decided to pull from my apple card instead of my apple pay. After making the purchases I never thought about them again! Especially because I have every single bank account on autopay ( not that it would matter for this account because it should of pulled from my checking ). Almost 2 months later I sign into my XXXX account to track my credit score I saw I had 1 account ever late. I freaked out because I take my payment history and credit very seriously ( I have never in my life missed or came close to missing a payment ). I never got 1 notification that I had a payment due or that I was even late. It's crazy because you can clearly see I have barely used the card besides a handful of transactions when I first got the card.
Company Response:
State: MA
Zip: 01890
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: My 11 year old computer died and I went online to apple.com to buy a replacement one. Their site advertises that you can get an Apple credit card with 0 % APR for the first 12 months and pay off the computer. When I tried to redeem that offer, their Goldman Sachs website came back and extended a {$2500.00} credit limit, which does not cover the cost of a computer on their site. I called in to get the limit increased to {$3200.00} because I make {$320000.00} a year and have a XXXX credit rating. When I called in, their representative told me the only way to request a credit limit increase to cover the cost of the computer was to accept the credit card offer and open an account. So I did. He told me the next day I had to call back to request a credit increase. There was no other way to get an increase on the application. I have just done that, and despite making a high salary, having zero credit debt and having an excellent credit score, Goldman Sachs / Apple has denied the application and not giving me a reason. It is deceiving marketing, and their representative deceived me into opening an account, which has now hit my official credit record. I literally just needed an {$800.00} dollar increase, and have a perfect payment history on my credit for 20 years.
Company Response:
State: MA
Zip: 02140
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: my brother used my identity to get a loan online I found out after discovering it on my credit report i had to go to court to get my name cleared in other accounts. he was eventually arrested impersonating me.
Company Response:
State: CA
Zip: 93706
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I applied for a apple credit card. I received it in the mail and put it in my drawer. I did not activate the card and i wasn't planing on using it untill i had paid some others down. A couple months go by and i look at my credit report and find out that i have a late mark for not paying apple on time. I was supprised to find out apple put a digital version of the card next to the apple pay card in my digital wallet I used it thinking that it was apple pay not knowing that it was hooked up to my credit card. Apple says that they had sent me billing well it got buried in emails and I didn't go looking for it because i had not activated my card yet i wasn't expecting a bill from apple. I have disputed this and they confirmed the reporting 2 times This is my only late mark on my credit but at the time i had a couple maxed out cards so with this i looked like a credit risk whiched caused XXXX XXXX XXXX to cancel my oldest credit card with the large limit changing my % of credit being used and the length of my credit history. This has cause a snow ball effect and had made things very hard for me
Company Response:
State: CA
Zip: 95407
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have setup statement balance recurring autopay since account opening. My XXXX statement balance payment was {$920.00} which was due by XX/XX/XXXX. My statement balance autopay was triggered to pull exactly {$920.00} on XX/XX/XXXX. However, the autopay pulled my payment twice, XXXX on the XXXX and one on the XXXX in the amount of {$920.00}. Because of the two payment my next statement balance cut at {$820.00} which was due by XX/XX/XXXX I have noticed this system error on XX/XX/XXXX and requested to refund back one of two statement balance payment. Instead of refunding the agent performed a payment reversal. At this point I do understand that my statement balance is no longer {$820.00} and should be {$820.00} + the reversed amount of {$920.00} ( the system error double payment reversal ) Because of my statement balance autopay setup I did not worry about checking if the autopay will pull both the reversed amount and previous statement balance amount. In the end the auto only pulled {$820.00} instead of $ XXXX {$920.00} and considered me delinquent and charged {$11.00} of interest. This is obvious system error that I was initially put into this in the first place because Goldman pulled more the required amount to pay. This seems illegal use of autopay where banks are pulling more than authorized and also more than required to pay. I did complain about this and explained very clearing what caused this interest and the agent kindly waived the {$11.00} of interest. At this point I expected Goldman to take the initiative to watch out for any trailing interest that this will cause. As planned my autopay for statement balance was made and unsurprisingly I saw trailing interest of {$9.00}. I requested again to waive but the agent was not able to waive because of previous cycle {$11.00} interest waiver. Because I have credit card knowledge I knew exactly what happened and clearly was the bank system error. I understand this can happen but share great concern to other Apple card user with less credit card knowledge just paying this interest which wasn't even supposed to have been charged in the first place. There was no proactive remediation steps performed and inhumane on all the interest revenue Goldman and Apple is collect at such global hardship time. Please investigate this and get Goldman to do a full remediation on not just me but the whole portfolio that was impacted by this. This should be both interest credit but correction on my credit bureau report
Company Response:
State: TX
Zip: 77044
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
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: A company overcharged me for a service without my authorization. I submitted several pieces of documentation showing that the amount on that was charged was more than with the contracted amount with the merchant. Although I agreed to an amount of {$140.00} for services by XXXX on XX/XX/21, the final amount charged was {$220.00}. I contacted the merchant to dispute the charge and got no response. I then contacted Goldman Sachs to dispute the charge on XX/XX/21 while waiting for a response from the merchant. I submitted documentation that the charged amount should have been {$140.00}. The dispute was denied on XX/XX/21 due to with an explanation of " No response was received for the request for additional evidence in the past week. '' After contacting Goldman Sachs, the representative confirmed that the documents I provided to support the dispute were in fact included in the investigation file. They then offered to reassert the dispute. I agreed to do so and then sent in the same supporting documents on XX/XX/21. Again, on XX/XX/21 I received a notification through the XXXX XXXX app that the dispute was again denied. The representative I chatted with on XX/XX/21 stated that this was because " The merchant provided sufficient evidence that you made the purchase. '' They then stated that there was no evidence submitted by the merchant at all in either dispute. They are now refusing to provide a written explanation for the denial of the dispute and copies of the documents that were used in the decision.
Company Response:
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A