Date Received: 2021-05-07
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I have never applied for Apple Card/GS Bank. noticed a debit on my XXXX XXXX account in XXXX. Reported to XXXX and they closed the account and credited me the {$400.00} debit. Have no account info or dates of charges on the AppleCard as It's not mine. Applying for a mortgage my XXXX shows a delinquent 90 day late.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2021-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-07
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: XXXX promoted {$100.00} bonus for depositing $ XXXX. I deposited $ XXXX on XX/XX/XXXX. XXXX reversed the deposit on XX/XX/XXXX. They told me at the time the reversal was due to potential fraud concerns. They assured me if I redeposited at leas $ XXXX within 10 days I would get credited the {$100.00} so I redeposited $ XXXX on XX/XX/XXXX which they credited to the account on XX/XX/XXXX, 9 days after their reversal. I called hem today to find out why the {$100.00} bonus was still not posted and the their " customer service '' dept. is claiming the code " they see '' is the reversal was due to to NSF. That is completely INCORRECT as I can prove I had sufficient funds when the original $ XXXX deposit was made ( just like I had sufficient funds when the {$14.00} deposit was made 9 days later ), coupled with the fact that I already knew the original reversal was due to their fraud department improperly reversing the original deposit!! This has been nothing but a hassle and XXXX from the thieves. I complied with all terms of the offer, they have my money, and their information is either incorrect or they are simply lying to me to avoid paying me the {$100.00} bonus they owe me. SHAME ON THEM.
Company Response:
State: PA
Zip: 19403
Submitted Via: Web
Date Sent: 2021-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-07
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have not been able to access my online statements for my 11 CD savings accounts at Marcus Bank as detailed in a prior complaint here XXXX XXXX ), which you closed at the bank 's request on their say so. In the prior complaint that was closed in XXXX, the bank claimed to be putting in a fix by XX/XX/2021. It was not fixed by XXXX when I check on XX/XX/XXXX. On XX/XX/XXXX, I received a call from the bank claiming it fixed the issue. They fixed my savings account and I was now able to see the listing of my statement now back to XX/XX/2021, which is when this problem first started. After I hung up the phone, I started downing my 2021 statements. When I got to the first of my XXXX CD accounts this is the error message I got : { " requestId '' : '' XXXX @ XXXX '', '' status '' : '' ERROR '', '' error '' : { " code '' XXXX, '' message '' : '' Error getting document by XXXX '', '' fields '' : { } } } For 5 months I been trying to get this fix as detailed in the prior complaint. My wife has lost all faith in the bank and fears for the safety of our money. I am now taking steps to remove our money from the bank even if it means taking penalties. It is better to lose a few hundred dollars in interest than $ XXXX of our money held in their bank. I have lost faith in the federal government to ensure the safety of our money. Marcus Bank does not have the ability to safety manage or control their computer programs. If they can't manage their in house software, how safe is my money from a computer hacker or from some other cyber security flaw? And another fact, Marcus had to restate all of the XXXX statements because of some glitch. If the CFPB is not concerned then maybe the FDIC should be since they may have to cover the lost. A review of Marcus Bank XXXX page has many others concern about their money 's safety and the bank 's computer abilities. My wife detailed our issue and the bank took down her post. What are they trying to hide? Only after she detailed how we filed a complaint with CFPB did it stay posted. It comes down to this. An online bank should have accurate online statements. Since the beginning of 2021, that has not happen for the 13 accounts that I had at the start of 2021 and now I can only get 1 out of 12 statements online for the month of XXXX. I have try 24 times via chat, registered letter, phone calls, even a prior complaint for over 5 months to get this fix.
Company Response:
State: NJ
Zip: 08332
Submitted Via: Web
Date Sent: 2021-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have sent several letters to not only the credit reporting agencies as well as companies directly to advise them that several accounts on my credit report that were a result of identity theft. I have sent police reports as well as the FTC fraud affidavit and they continue to not only report these items, but they have recently charged-off causing even greater harm to my credit score and any lending opportunities in the future.
Company Response:
State: MI
Zip: 48198
Submitted Via: Web
Date Sent: 2021-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I paid off my loan and the company reported the loan closed rather than paid in full and my credit score was decreased by XXXX points. Your Marcus Loan XXXX is paid off! No more payments are required for this loan.
Company Response:
State: NY
Zip: 10567
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Goldman Sachs, Apple Card restricted my account usage, after speaking and confirming the charges were mine they removed the restrictions. After they removed the restriction I made a payment to be able to use the card again. Right after I made a payment, they restricted my account again. I called customer service and asked them why they did it the second time. I was told that they needed a TAX FORM 4506 T to be signed by me so they could review and remove the hold off the account. Since the account was restricted I asked for the payment to be cancelled so I could make a minimum payment. CC assured me that the payment was disputed and that I would get a check back shortly. I signed the for and sent it back to them but my account was under review permanently, so I asked for the payment, and each time I was lied to that the payment will be refunded shortly, another agent told me that it will not be refunded till after the review was completed. So every time I called I got a different answer at all the levels possible that I could speak to. The customer service is not relevant and one can never get an answer from them, just stories made up to their discretion.
Company Response:
State: CA
Zip: 90640
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have had a Marcus Savings account for several years. In XXXX I received an offer of a {$100.00} bonus if I deposited new funds into my Marcus account and kept it there for 90 days. I transferred $ XXXX from my XXXX account into Marcus account on XX/XX/2021. I withdrew the $ XXXX on XX/XX/XXXX and XXXX. I have not received my {$100.00} bonus so I contacted Marcus via chat. They said my bonus was ineligible because I had a {$120.00} withdrawal on XX/XX/XXXX. That {$120.00} was not part of the $ XXXX in new funds. I have automatically deposit and withdrawals each month into Marcus. They said I was disqualified from bonus. I am very upset and felt misled. I kept $ XXXX in Marcus when I could have earned highest interest elsewhere.
Company Response:
State: CA
Zip: 94591
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: On XX/XX/2020, I bought a sofa from XXXX. they delivered me the incorrect sofa model and color. I called them to report the issue and so far they have not send no one to pick up the wrong one and send me the correct one. I have disputed the charges for {$2100.00} plus interest with apple card ( Goldman Sachs ). they never sent me any status o my dispute and they have keeping posting again the charges on my account. they not helping me at all, with this scam.
Company Response:
State: AR
Zip: 72701
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I was charged interest fee of {$26.00} and I always pay my credit card in full and also it is set as autopay. I tried to reach them and they told they can waive the fee, and also they know that was not my fault, so that doesnt make any sense for me. They said it was not my fault but they dont wan na give my money back. Id like the refund since I always paid my credit card in full.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-02
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened a savings account to Goldman Sachs on XX/XX/2020. I made a deposit to their bank and ever since I've had issues logging in and accessing my funds. I tried calling and follow their directions in what to do and yet I'm still locked out. I deposited XXXX dollars and to my dismay they make it hard to access that money. Its not about the amount but the principality of allowing costumers their entitled money.
Company Response:
State: CA
Zip: 92507
Submitted Via: Web
Date Sent: 2021-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A