Date Received: 2023-11-28
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 tried to cancel my XXXX account and could not get through to the merchant and sat on hold so I. Hanged my credit card number to stop them from charging it. Goldman Sachs let them charge it anyway for {$99.00} on XX/XX/XXXX for one year payment to XX/XX/XXXX. I contested the charge and the merchant cancelled the account and it remains in a cancelled status. Goldman then resolved the dispute in favor of the merchant even though the account is paid to XXXX yet now cancelled. Why am I paying for services cancelled by merchant. I have screenshots as of now showing there is not account.
Company Response:
State: IA
Zip: 52245
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XXXX XX/XX/XXXX I made a payment of {$3100.00} to my Apple Card using a linked bank account. On XXXX XX/XX/XXXX, I attempted to make a purchase of {$2500.00}, but my card was declined. I checked my bank and confirmed that the payment posted on XXXX XX/XX/XXXX. I reached out to the Apple Card team at Goldman Sachs and asked why the payment I made hadn't been applied to my account. This is their response : " Payments can take longer to reflect in your available credit as stipulated on your Card Agreement. We have received your payment, and your bank may have deducted the money from your account ; however, there is still a window for payments to be processed. We will make the funds available on,XXXX. For future reference, payments made with Apple XXXX usually release instantly. '' On XXXX XX/XX/XXXX, I again reached out to the Apple Card team at Goldman Sachs and asked why my payment had not been applied. Their response : " Thank you for waiting. I see here there is a payment on hold, that was placed on the XXXX of XXXX. '' I asked : " Why is it on hold? '' Their response : " I understand the situation and how important this payment is for you, however, we are not able to expedite the release of your available credit. Please keep making your payments on time. As of right now, your available credit will be updated on XX/XX/XXXX. '' I asked : " Why is the payment on hold at all? '' Their response : " We have received your payment and your bank may have deducted the money from your account, however, there is still a window for processing payments. This can only be done automatically by the system. '' This did not answer my question of why my payment was 'on hold ', so I asked a different question : " What is the window for processing payments? '' Their response : " There is not a specific time frame, but when you made the payment on the XXXX will be released on the XXXX of XXXX. '' Now twice I've been told that there is a 'window for processing payments ', and now 'there is not a specific time frame '. I asked the rep, which of these questions they could answer : " How long is the window for payment processing? '' or " Why is my payment on hold? '' Their response : " In your case, the window for this payment is 10 days. '' I asked : " Last week it was 7 days, so why is it now 10 days? What changed between the XXXX and today? '' Their response : " I do understand where you coming from. We always value customers who are keen on providing us with their feedback. So I will make sure the information will be passed on to the higher-level team for further review. But as of right now, the money will be released on the XXXX for new spending. I can assure you that no longer than the money will be available no later than the XXXX. '' I've attached screenshot of the conversation. I found similar complaints that Goldman Sachs is delaying payments for Apple Card users online. " XXXX XXXX '' - XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX " XXXX '' - XXXX XX/XX/XXXX XXXX : XXXX It would seem that Goldman Sachs has been doing this for some years and has done nothing to change their practices.
Company Response:
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: i opened an Apple credit card on XX/XX/2023. During the time frame of XXXX XXXX i purchased XXXX XXXX XXXX XXXX, and XXXX XXXX screen protectors using the Apple credit card. the Purchase of the XXXX XXXX earned {$100.00} in cash back. The cash back was transferred to the Apple Cash feature that can only be accessed through the icloud account linked to the Apple credit card. As a result of the 3 iphone purchases over 3 day period my icloud ( that has my apple credit card and apple cash rewards linked to ) was flagged for suspicious activity and the icloud account became inactive locking access to the rewards and apple credit card. As a result of this i decided to return all the devices and close the credit card since i no longer have access to the account through the icloud. After i successfully returned all the items. i contacted apple credit card to verify my accounint balance and the apple card representative informed me that i had a balance of {$100.00} that they payed out to Apple cash in cash back rewards. So i contacted apple cash support and i was told by the representative that this is a behind the seen issue and that they have no way to access the account and return the reward funds leaving me with a debt of {$100.00}. in the end i opened a apple card, made a purchase, returned everything and still have a balance on the Apple card. For a XXXX dollar corporation to treat their customers like this is a complete joke. All i wanted to do was take advantage of financing for XXXX phones using the Apple card for me, my wife and my daughter. Its not just the {$100.00}. its also the countless hours i have been bounced around from department after department with the same results that no one can help and only a person from behind the scenes can help and no one is able to talk with them. the night of sleep i lost and all the gas and miles i put on my vehicle picking up and then returning everything. Apple is by far the worse customer support i have ever dealt with. i hope this message will help open the eyes of others and that they dont experience what me and my family went through.
Company Response:
State: PA
Zip: 15212
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: This problem began when my original account was closed without notification when a Co-Owner ( my XXXX son ) obtained his own separate account. Ive attempted to reapply and obtain a new card at least six ( 6 ) times and been promised by at least three managers during a dozen separate support calls that I would be contacted back after they submitted an escalation. Ive never once received a callback addressing any of this. The system answer in every denial has been that my Identification can not be verified, which is total nonsense. The multiple photos of my Utah drivers license that have been submitted were clear and there is no way that all the different photos that Ive submitted were bad. It also ignores that I AM ALREADY A CUSTOMER, have had credit with you before, and HAVE AN ACTUAL BALANCE IN A LINKED SAVINGS ACCOUNT. There is obviously some glitch or other failure in your system or you are lying about the reason for denial. No person at Goldman Sachs Bank has been willing to take ownership of this problem, which I find to be indicative of a supervisory and management failure within the bank.
Company Response:
State: UT
Zip: 84106
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: This is concerning an estate account held with XXXX XXXX that had a CD invested with Goldman Sachs. The estate account was created in XX/XX/ ( from a longstanding individual account at XXXX XXXX ) and Goldman Sachs wouldnt redeem the CD to the beneficiaries until just a day ago, XXXX XXXXXXXX The other banks CDs were redeemed at the end of XXXX. XXXX XXXX said they had no recourse or contact information for Goldman Sachs. I tried various contact numbers directly with Goldman Sachs to no avail. I believe Goldman Sachs was intentionally delaying the redemption given the CD was at a low rate, 2.25 %, while current CD rates are around 5 %, so to their economic advantage at the expense of the estates beneficiaries. Are there any timing regulations for redeeming estate account CDs by the banks? How can there be no transparency on the process when inquiries are repeatedly made? What recourse should there be? This complaint is to bring to your attention the unacceptable practice by Goldman Sachs as well as XXXX XXXX indicating they had no recourse.
Company Response:
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
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: On XX/XX/18 at approximately XXXX I purchased an airline ticket with my credit card ( an Apple Card through Goldman Sachs ) from XXXX XXXX XXXX for a flight at the end of the year. Within the hour I called back and requested to cancel the ticket as is within my rights as it was a flight governed under the Transportation Administrations regulations. Unfortunately I was forced to call as XXXX systems would not recognize my reservation in their portal, I assume that I made the cancellation too quickly for their system to have saved the reservation. I was in the phone with XXXX for XXXX minutes with the representative XXXX. I received a confirmation number and awaited my refund. However, XXXX denied me a refund so I followed up with a charge back. While I asked Apple Credit Card support for the status and if I could provide documentation for the incident I was told they would send me an email which I never received. Eventually they denied the claim as well without ever taking my input and my documentation. To be clear I requested explicitly to upload my documentation of the events once the vendor responded but the case was closed same day before I could respond. The dispute in question is Apple Card ( Goldman Sachs ) Dispute case number : XXXX After the denial I resubmitted the claim, and filed here with the CFPB. Below is a summary of the Department of Transportations guidelines regarding these transactions for your convenience : Cancelling a Ticket Reservation or Purchase within XXXX hours of Booking For airline tickets that are purchased at least XXXX days before a flights scheduled departure date and time, airlines are required to allow consumers to cancel their reservation and receive a full refund without a penalty for XXXX hours. The airline is required to return the funds promply, prompt is defined as being within XXXX business days if a passenger paid by credit card.
Company Response:
State: FL
Zip: 32225
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX, I opened a CD account with Marcus by Goldman Sachs. I wanted to transfer money directly from my savings account ( at another financial institution ) into my Marcus CD, but unfortunately the electronic transfer software used did not work between the two institutions. I contacted Marcus about other options and was told I would need to send a check. I was given very explicit instructions about the information that needed to be written on the check. I don't have physical checks ( my other bank is a small online only bank ), so I requested a check from my bank for {$2000.00} be mailed to me, and then endorsed the check with all the required information Marcus had provided and put it in the mail. Unfortunately, this process took longer than expected, and by the time the check actually arrived at Marcus, the month-long CD funding window had just closed and Marcus closed the account. I called Marcus on XXXX to ask about how to handle this, and they said since I no longer had an account, when my check arrived, it would just be sent back to me. On XX/XX/XXXX, however, I was shocked to see that {$2000.00} had been withdrawn as a check deposit. And my Marcus account was still closed, so it didn't go there. The money had been taken out of my account and was no longer in my possession in any way, it had just disappeared into Marcus 's coffers. I contacted Marcus to find out what had happened, and why my check was not just mailed back to me. They said it was " being processed '' and they would need to cut a new check to send the money back to me. I was told to expect it in 7-10 business days. I did not receive it. I called again on XX/XX/XXXX and it was like I was starting all over again, nobody knew anything about my situation. They told me the check was received for processing and asked me what I wanted to do with it. I told them I wanted my money mailed to me, and had been told this was already in process. They apologized, said they were starting the process, and I would receive it in 7-10 business days. Again, no check. I called again on XX/XX/XXXX and had a VERY long phone conversation where I was told it was understood how frustrated I was, and they weren't sure why it hadn't been put in properly but it wasn't, but now they were going to expedite my check and would try to get it to me sooner, but at latest, 7-10 business days. On ALL of these calls, I asked about SOMETHING to make this easier ( could they wire the money to my account?? no, of course not ) or confirm the info ( could they at least provide a tracking number when they mail the check so I know it's been mailed? nope ). I was on a trip during the " 7-10 business day '' window of the last call, so I did not call again until today ( XX/XX/XXXX ), when I was told that there were verification steps on the check that had not been completed, and they weren't sure why, but once the verification was complete they could send me the check. They said the verification was done at the end of this call, and that they are going to send me the check, but they can't confirm anything, and I no longer have faith in their process.
Company Response:
State: CA
Zip: 91107
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
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 understand that ticket purchases often come with certain terms and conditions, and I acknowledge that tickets are generally non-refundable. However, my concern arises from the denial of my right to change my flight by paying a specified fee, as outlined in the terms and conditions associated with my original booking. I had attempted to change my flights with XXXX on XX/XX/28 but my right was denied. As per the terms and conditions that I accepted with the bank transfer for my ticket, I am granted the right to change my flight by paying a fee of {$210.00}. This information was clearly communicated, and I relied on it when making my travel plans. Unfortunately, when I called to exercise this right and change my flight, my request was denied. I would like to emphasize that I am not disputing the terms and conditions agreed upon during the booking process. Rather, my dispute stems from the denial of a right explicitly stated in those terms and conditions. To provide more context, I attempted to change my flight due to unforeseen circumstances, and I was willing to comply with the stated fee for this service of {$210.00}. However, I was informed that my request for a change was not possible because my card did not work, while simultaneously being offered the option to purchase a new ticket for {$530.00} using the same credit card or payment method. I kindly request that you review the details of my case and clarify why my right to change my flight was denied, even though the terms and conditions explicitly permit such changes for a specified fee. I believe there may be a misunderstanding, and I am hopeful that this matter can be resolved amicably.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: XXXX . And XXXX. And apple.Please remove Those. It XXXX my self that applied.
Company Response:
State: NJ
Zip: 07666
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
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 ordered a XXXX extended carseat during XXXX prime day in XXXX and i received a toddler booster seat instead. I reached out multiple times to XXXX and XXXX and no help. I disputed charge with apple XXXX for the {$150.00} was denied. Sent proof of direct email from XXXX stating they apologize for the mishap and prime days are always overwhelming and credit card can refund me but graco cant since bought on XXXX. I have not received refund just lots of frustration. Item i got was {$50.00} and i ordered a {$150.00} carseat.
Company Response:
State: OH
Zip: 435XX
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A