Date Received: 2021-06-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: never applied for any credit cards as i have been working to improve my credit score in the last months. I regularly check my credit report and noticed one day on XX/XX/2021 I had my credit pulled for a inquiry I have never made. I have tried calling Goldman Sachs and XXXX and nobody has been able to even locate the account.
Company Response:
State: NY
Zip: 11357
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Opened a credit card with Apple at the Goldman Sachs Bank. Decided I don't want it paid off the amount in full and cancelled the card on XX/XX/2021. To date Goldman Sachs bank has not provided the necessary information to all the credit reporting companies with the correct information and my balance which was paid in full is shown on my credit as not paid. I have had numerous phone calls to the bank with nothing but excuses. I have disputed the problem with XXXX but they have no resolve with the bank.
Company Response:
State: NV
Zip: 89134
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-01
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My husband and I received a business deposit to our Marcus CD account ( XXXX ). We were not aware that business related deposits were not allowed, and promptly transferred the funds into our Marcus savings account ( XXXX ) and then called Marcus to initiate a transfer transfer for the funds to a business account that Marcus had linked ( Marcus linked and unlinked the business checking account with me on the phone, and called to verify I gave them the " ok '' to send funds there ). Marcus did not transfer the funds and told me my savings account would be closed ( with {$410000.00} in it XXXX as business related transactions are not allowed, which I completely understand. Instead of returning the assets to me via check as stated in the account agreement, Marcus said that the original funding institutions needed to request the funds back. They instructed one external institution who had funded the CD account to request the funds back from our savings account, which that institution had even send funds to before. The external institution tried to request the funds back ( from both the CD and Savings ) and were not successful and received an " account frozen '' and " account closed '' code. Marcus isn't able to send the funds back to the originating institution themselves as it's beyond the time period where they could reject an incoming deposit. They are aware that it's also beyond the time period where the originating institution could request the funds back, and that they won't be able to do so from either account ( especially the savings account, which they never funded in the first place ). Marcus by Goldman Sachs is part of a wave of online banks force-closing accounts and not returning assets to boost their balance sheets, which is illegal.
Company Response:
State: CA
Zip: 90019
Submitted Via: Web
Date Sent: 2021-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: This complaint involves my Apple Card Mastercard that is managed by Goldman Sachs. On XX/XX/2021, a charge of {$240.00} was added to my account from a merchant in the State of Georgia for food and beverages ( see Attachment A ). I was not physically present in Georgia on that day and I did not authorize the charge. On XX/XX/2021, I disputed the charge and a provisional credit was added to my account in the same amount, {$240.00} ( see Attachment 2 ). On XX/XX/2021 the provisional credit was reversed on my account thus resulting in the {$240.00} being added back to my account ( see Attachment 3 ). On XX/XX/2021, I received an email from Goldman Sachs stating that the dispute was resolved in my favor, and that the provisional credit would be permanent ( see Attachment 4 ). The root of the problem is that the provisional credit that I received on XX/XX/XXXX was taken away thus resulting in the {$240.00} staying on my account. The charge was the result of fraud and I should not be held responsible for this charge.
Company Response:
State: MN
Zip: 551XX
Submitted Via: Web
Date Sent: 2021-06-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-01
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: My XXXX statement with Goldman Sachs is incorrect. On XX/XX/XXXX I received a refund for a transaction that I didnt want in the amount of {$10.00}, but when the XXXX balance is calculated I never received the amount refunded. They still charged for XXXX. When I asked their so called specialist, they agreed with me that there was an error but they were unwilling to correct it. I waited until the next statement thinking it would be corrected but the balance was never corrected. Plus the installments figures do not add up. They said the installments are XXXX but I only pay XXXX. Basically the statement is all wrong.
Company Response:
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2021-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-31
Issue: Fraud or scam
Subissue:
Consumer Complaint: I called Apple this morning and let them know I did not open the card. I was receiving calls for a week and assumed it was spam, come to find out someone had opened an Apple Card with all of my info. They let me know my social security number was required to open the account and let me know I needed to contact this site. There were some charges in XXXX Ohio. One for XXXX dollar XXXX XXXX and XXXX dollar XXXX XXXX XXXX charge. Goldman Sacks Bank USA has currently frozen the account and let me know to contact you all so that all fraud can be tracked on the account opened.
Company Response:
State: CO
Zip: 80920
Submitted Via: Web
Date Sent: 2021-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-30
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: On XX/XX/2021 I noticed a charge for {$820.00} on my Apple Card by a " merchant '' identified by XXXX XXXX ( XXXX ). I had contacted Apple Card support and they initiated a dispute. It was resolved in the merchant 's favor on XX/XX/2021 because the merchant provided sufficient evidence that I made the purchase. I would like to see this evidence. I have no records in email or via XXXX ( whom I also contacted and could not verify the purchase ). The Apple Card support team and apparently the underlying financial systems appear to be inadequate at detecting and preventing fraud. This is one of many disputes ( all resolved in my favor ) I have had to address with Apple. Their explanation is that there are glitches. I believe it is time for a full audit and investigation of both Apple and Goldman Sachs. It is readily apparent neither company is equipped to deal with consumer credit.
Company Response:
State: TN
Zip: 37067
Submitted Via: Web
Date Sent: 2021-05-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: My card has been blocked for a verification issue. Ive contacted Apple about this matter as soon as it happened and I keep getting told that someone would contact me via phone or email and no one has contacted me. I understand that things are a process but there no help were they keep telling me there is no time frame that they will call which means my card can be locked for such time. I need my card to be unlocked as soon as possible where this is very inconvenient and unprofessional where Apple is concerned
Company Response:
State: NY
Zip: 10465
Submitted Via: Web
Date Sent: 2021-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-28
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: Today, XX/XX/XXXX, I was contacted by text message by a representative at Apple Card from Goldman Sachs Bank USA concerning a charge of {$84.00} on XX/XX/XXXX. I do not recognize this charge, and I asked the representative to put this charge on dispute. I already spoke to 4-5 different reps from Apple Card from Goldman Sachs Bank USA before, in regards to this matter during the last month. The initial person I contacted regarding my first transaction for {$66.00} was recognized as an invalid transaction and submitted it into the system for dispute and review and told me that I would have the total amount credited back onto my card, but only temporarily because of some policy for them to look further into the situation within the span of 90 days. I have the money on my account but it should be permanent not temporary and I'm concerned and afraid to use it because it doesn't feel like my currency. I then filed another transaction I didn't make with that same representative for the total of {$84.00}, which he also claimed wasn't in the system at all and said it would also be put up for dispute and the amount would also be credited back to my card. It is now XX/XX/XXXX and I was never credited back for the 2nd transaction. I have went through several other representatives concerning the matter and none of them helped me at all and kept saying the same thing back to me, that they would put it up for dispute and credit back the {$84.00}. The last person I contacted today kept asking me the same question, if someone else had access to my card and I repeatedly told him no and that I always have my card on me and no-one uses it other than myself. He then, without my permission, blocked my card when I told him multiple times not to and ignored everything I had to say after and ended the issue without listening to my primary issue or concerns. All he did was put up the {$84.00} for dispute, even though it should already have been up for dispute, which I had filed at least 4 times now. So I am still missing the {$84.00} from the 2nd transaction on XX/XX/XXXX that was never credited back, and now my card is blocked against my best wishes. I honestly feel that I'm just being tossed around from one customer service representative to another and none of them can simply help me get back the money that is rightfully mine and never used for any transaction. I feel completely abused by the last representative because he just made the situation more difficult and stressful for me when I honestly don't have any time to waste on the matter. I asked for the credit that was initially promised to me but that last person I spoke with said there was no history of the transaction nor the dispute in the system at all and now I just feel like people are playing games with me rather than giving proper service. I don't understand why I'm being billed for this amount then if the transaction itself is not on file? I can provide screenshots of all the conversations on my phone, as well as the transactions I was billed for but never made, as direct evidence of the unpleasant and unreliable 'service '. It was anything BUT professional and I am frustrated with Apple in how they treat and interact with their clientele. I have been a faithful Apple customer for over 10 years and never experienced such horrible service like this before. I've paid all my bills in the past and don't owe them a single XXXX
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-28
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Apple Card ( issued by Goldman Sachs ) has frozen my card for over a month now. When I call into customer service no details are given and no timeline is given. Simply that my account is under review indefinitely. The last time the customer service team reached out to me was XX/XX/XXXX and it has been a month now with no movement and I cant use my credit card. This feels fraudulent / unfair. What is the purpose of a credit card if in fact you cant use it!
Company Response:
State: FL
Zip: 33467
Submitted Via: Web
Date Sent: 2021-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A