Date Received: 2021-06-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Goldman Sachs Bank USA has been deceptive in providing false information in regards to credit and sending statements alleging I owe a debt from me using my own credit that Goldman Sachs Bank USA went to get via federal reserve notes. Credit creates debt! Debt doesnt create credit! As of 2021 Goldman Sachs Bank USA continue to send deceptive forms via mail and email alleging I owe a debt that was created by way of credit for it to be applied to an open end credit plan that is due to me the original creditor 18 USC 914. MY CREDIT IS A RIGHT GRANTED ( NOT AN PRIVILEGE ) I CAN ONLY EXTEND MY CREDIT TO CAPITAL. YOU CANT GIVE CREDIT NOR EXTEND. I Have THE POWER TO ACQUIRE ANYTHING I WANT, NOT CAPITAL, I DONT NEED YOU, YOU NEED ME ( MY CREDIT ). Ive been defrauded by Goldman Sachs Bank USA! According to 15 USC 1601 ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. Congress goes on to inform in 15 USC 1602 of who the original creditor is, which is I the natural person and that I have an open end credit plan in which Goldman Sachs Bank USA has put a limit on my plan and created a deceptive monthly statement alleging I owe when I applied for credit. 15 USC 1602 ( e ) The term person means a natural person or an organization. ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. As you can see in ( e ) of this title the term " person '' is a natural person or an organization, meaning I have the power to be either or and ( f ) " credit '' gives the right granted to incur debt and defer its payment. ( G ) let 's us know that " creditor refers only to a person who both ( 1 ) regularly extends, ( 2 ) and is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or no such evidence of indebtedness, by agreement. ( The quality, state, or condition of owing money. 2. Something owed ) ( In the case of an open-end credit plan involving a credit card ) My social security number was used to obtain credit and went to get the credit from the federal reserve notes, that is how Goldman Sachs Bank USA became a creditor but you were never the original creditor. I am aware of and so should Goldman Sachs Bank USA be of the powers an duties in case you forgot listed pursuant to 12 U.S. Code 1431 - Powers and duties of banks ( a ) Borrowing money ; issuing bonds and debentures ; general powers Each Federal Home Loan Bank shall have power, subject to rules and regulations prescribed by the Director, to borrow and give security therefor and to pay interest thereon, to issue debentures, bonds, or other obligations upon such terms and conditions as the XXXXctor may approve, and to do all things necessary for carrying out the provisions of this chapter and all things incident thereto. We know from 12 USC 1431 that banks can not loan money. So, why are you sending monthly statements alleging I owe? I can not owe or loan myself my own credit that is extended to pay back. That just doesn't make sense. Therefore, Goldman Sachs Bank USA you created a deceptive form and starting collection which is a violation of the federal debt collection practice act. Pursuant to 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in the collection of any debt. Therefore, every statement sent would be considered false and deceptive. Pursuant to 15 U.S. Code 1692b. You can't say I the consumer owes any debt or communicate with me the natural person without my permission ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; 15 U.S. Code 1692e. False or misleading representations ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. Pursuant to 15 U.S. Code 1692k - Civil liability you are responsible ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and The judge courts can't say I owe a debt so why in world do you think you have the ability to so lawfully? 15 U.S. Code 1692i - Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall ( 1 ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. This will show cause for my allegations of identity theft and financial fraud reasonable and may it known to the CEO of Goldman Sachs Bank USA nunc pro tunc, I now dispute all prior charges and statements and I demand all prior payment excluding the first payment arrangement be redirected to I the consumer until your agency can provide direct evidence by proof of claim that I consumer directly am obligated to pay an obligation security pursuant 18 USC 8 of the United States, furthermore any of a unverified financial matter is fraud and causes me damages and any direct duress, mistake of material facts or coercion causes mental anguish, so be it, I have given my statement of truth and I directly expect a response within 14 days of proof from receiving this herein dispute, so be it.
Company Response:
State: CA
Zip: 95205
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: And XX/XX/XXXX I apply for the Apple credit card I did have a fraud alert and a credit freeze I have lifted my credit freeze on my credit file stated that anyone is applying in my name any bank who is receiving my application I need to contact me to verify my identity but Goldman Sachs refuse all theyre telling me is to reapply and thats what I did reapply when I realize that something is really wrong they even ask me for My ID I gave them my ID I still yet they are sending an email stated they could not verify me In XXXX I receive a third email stated that I may have another account open in my name I have asked them the information of that account they refuse to give me it they sent me to XXXX XXXX XXXX XXXX said there not stopping them from verifying me because they are seeing almost XXXX inquiries Pull from them I must go somewhere else and apply for a different credit card and see what happened so in XX/XX/XXXX I apply for a XXXX XXXX XXXX credit card and a XXXX credit card I was approved in XXXX for the both cards and yes they did call me to verify that I am the one that is applied for the card I do not know if its discrimination thats why them do not want to call me to verify me but if they do not want to verify me they need to take them self off my credit report
Company Response:
State: NY
Zip: 10466
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of Identity.
Company Response:
State: IL
Zip: 60616
Submitted Via: Web
Date Sent: 2021-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XXXX XX/XX/21 my bill for {$130.00} did not go through when I was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never called or notified me the rejection and gave me this late payment. Sincerely.
Company Response:
State: NY
Zip: 10002
Submitted Via: Web
Date Sent: 2021-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-05
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I dont understand why I keep me in the night for an Apple Card, I make my payments on my other credit card in time every month, Im just looking for a chance to prove myself I have a long time Apple Music I would like to purchase more items thank you
Company Response:
State: TX
Zip: 75218
Submitted Via: Web
Date Sent: 2021-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a report on my credit stating that I opened an Apple XXXX credit card and spent {$3300.00} which Ive never seen this card in order to spend it. Also someone has been collecting unemployment in my name which Ive never applied for.
Company Response:
State: NY
Zip: 11422
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
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 returned a product and the retailer accepted it and approved refund through XXXX. I contacted the credit card company to dispute the charge 3x since XX/XX/2020. They keep stating they investigated and the purchase was valid when I told them that was not the issue the defective product was returned. XXXX verified the retailer did a charge back as I had returned the defective product and state the credit card company never contacted them to verify the information. XXXX states by law they can not issue my refund as the credit card company is involved. The credit card company is not investigating disputes.
Company Response:
State: TX
Zip: 75094
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-03
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Filled out online application with marcus.com ( Goldman Sachs Group , Inc. ) for their High-yield Savings Account on/about XX/XX/2021. Received message that they " need a bit more information before we can continue the review of your application ''. Realized this might be due to credit freezes that I have implemented at all three major credit bureaus, so I temporarily lifted the credit freezes at the three major credit bureaus. Called the bank on XX/XX/2021 to complete the application process. Was denied an account, and was told that I could not be provided a reason for denial. Terminated the call. Performed research to find that I am due a reason for denial per the Fair Credit Reporting Act. Called the bank back on XX/XX/2021 and requested to speak to someone about the reason for denial, based on the requirement for the bank providing that information to me per the Fair Credit Reporting Act. Supervisor XXXX told me at approximately XXXX XXXX on XX/XX/2021 that their decision is not based on credit reporting, therefore they are exempt from the Fair Credit Reporting Act. They were unwilling to provide a specific reason for their denial, citing company policy as the reason. They were also unwilling to provide opportunity to provide additional information in order to better verify information provided in the application. Supervisor XXXX stated specifically that their decision is not based on information provided by credit reporting agencies.
Company Response:
State: CA
Zip: 90278
Submitted Via: Web
Date Sent: 2021-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
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 have major issues with Apple Card Goldman Sachs stemming back to last year in XXXX when I ordered a office chair that was never received. I have called in multiple times explaining id like to dispute the charge because the Vendor for the chair told me to dispute it with my bank. I went into detail on exactly what happened, providing evidence and the correspondence with the Vendor. Goldman Sachs disregarded everything I provided and opened a " Fraud '' dispute which wasn't the case and ultimately siding with the Vendor stating they proved I made the purchase, which could of been avoided if their incompetent reps would of listened and actually opened the proper case. Since then I have called back/Chatted in and reopened the dispute trying to explain what had happened and every single time i am rushed off the phone/chat with the rep telling me " do not worry, it is filed under a did not receive claim '' and every single time im let down because they keep opening a " fraud '' charge. Its crazy as i STILL AM trying to dispute this and no resolve. Fast forward to the beginning of this year with XXXX. I had made a purchase and returned the merchandise with a prepaid label provided by XXXX. The package was delievered to their warehouse but XXXX Customer service states they never got it. I have the tracking number SHOWING it was delievered and signed for at their warehouse, provided all of this evidence to Goldman Sachs and again they opened the WRONG dispute. The dispute they opened was a " fraud, Unknown purchase '' and again sided with the Vendor. I can not believe a huge bank such as Goldman could have such horrible and incompetent employees. Now I am stuck holding the bag so to say and have to pay for TWO charges that I shouldnt.
Company Response:
State: NJ
Zip: 07032
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
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 a fraudulent charge was made against my Apple Card by a merchant listed only as XXXX in the amount of {$340.00} I disputed the transaction on XX/XX/2021 at which time Apple gave me a provision adjustment. With no further communication, they reversed the credit on XX/XX/2021. I have no records of this purchase and Apple has provided no evidence to support their reversal.
Company Response:
State: TN
Zip: 37067
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A