Date Received: 2021-03-23
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: Beginning on XXXX XXXX XXXX, my XXXX XXXX XXXX Credit card was fraudulently charged a total of {$2900.00}. When I noticed the charges on Sunday, XX/XX/XXXX, I called the number immediately, reported the fraud, and my card was cancelled by XXXX XXXX at that time. On XX/XX/XXXX, I was issued a provisional credit from XXXX XXXX of {$2900.00}. At that time, it was cancelled out all of the fraud charges from the XXXX & XXXX. Between XX/XX/XXXX and XX/XX/XXXX, XXXX also decided to give my account provisional credit of {$2900.00}, so I had DOUBLE plus {$1.00} the amount of credit that I should have received. I knew that this was incorrect but assumed that the double credits would be adjusted. On XX/XX/XXXX, XXXX realizing I had to many credits began reversing the provisional credits and removed {$2300.00} that was over credited to my account. On XX/XX/XXXX, realizing that XXXX of the provisional credits was not reversed, XXXX charged my account for the {$490.00} dollars instead of reversing the additional charge. This cause my statement to exceed the amount I should have been charged. On XX/XX/XXXX, I reached out to XXXX XXXX stating that when the {$490.00} was added back to my account, this made my credit card bill over {$700.00}, and it should have been a maximum of {$360.00}. And I felt that something happened with my account and it was overcharging me. I was advised that my statement was correct and just to pay it. I requested all the investigation notes from the fraud to be sent to me so I could review those myself since I did not think the statement was correct. I advised that based on the Fair Credit Reporting Act it was my right to receive this information and I wanted it. I was advised that it would be sent out to me within 7-10 business days. I called back after the 7-10 business days and gave the same information and advised that I wanted this information. A different representative stated that my request was not completed to receive all the investigation notes and resubmitted the request. I waited the 7-10 business days again. And did NOT receive the requested information. I called back again and requested a supervisor, whom I told the story to again and he advised that I was wrong me requesting the investigation and XXXX XXXX was not required to send me the information that I was requesting, though I pointed out the FCRA that was not correct, but he stated that he would help me with my error. When I told him, that something happened to the reversal and I was being overcharged I just wanted my statement to be correct so I could actually pay it. He began reviewing my statements and concluded that something was wrong but would have to look into it to find out. He was having the same issue I was, where the math was not adding up. He advised he would call me back. I received NO call back, so I called back again. I got another supervisor that I explained everything too and got the same responses, except regarding my request to receive all the investigation notes from when the fraud happened in XXXX. I was told at that time, that there was no investigation into the fraud, which is why I did not receive the information I requested due to the fact their only information was what I provided. Wow! That made me understand why I was never mailed the information again. This manager lady stated she would review my statements to try and understand why I had a such a large discrepancy with my statements. She told me she would call me back, I said fine, but had no faith she would. But she did call back, stating that she was still looking into it. A couple days later, I received a call back, but I missed the call, so I called the XXXX XXXX back. I got another manager gentleman that read the notes on my account, from what I assume the lady manager who called and left me a message, that stated I was not entitled to double credits and I know other adjustments were needed. I told the man that I did NOT want double credits. Something happened from the charge of {$490.00} on XX/XX/XXXX that caused my bill to increase by a lot and I only wanted to pay what I actually owed. My XX/XX/XXXX Statement was {$570.00}, and I believe it should have been {$360.00}. I am somehow being over charged- to me- by {$200.00} and no one can review, check, or show me where the additional amount is coming from. I waited for more corrections from XXXX to XXXX before I paid the difference that I do not believe is correct and in XX/XX/XXXX, my statement was {$220.00} and because I did not pay the full amount- that I am disputing in XXXX, I was charged interest. My balance is now {$0.00} as of XX/XX/XXXX because I do not want to be billed for interest on a disputed amount and I am still waiting on a callback from a manager regarding my disputes.
Company Response:
State: IL
Zip: 617XX
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I have excellent credit and every time I apply for the Apple Card by XXXX XXXX they require my identity. I upload my identity clearly with information matching. Within 1-5 days depending upon the 30 days that I wait they decide to decline because they cant get verification of information as per their decision. I ask if I can fax or mail they advised me that they can not do anything.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I have account with Marcus back. It is a savings account. It has been in good standing. Marcus sent me an offer to add {$10000.00} to the account and keep it for 90days. I did that. My login stopped working so I called Marcus bank they told me that they made a business decision to close my account and no reason was given. No choice was given and no notice was given. This bank is a fraud and I have seen this in last 30 years that a back had decided to close your account and forefiet my {$100.00}. I am wring to you this but I do not think anything will do done to the monster bank as this is bank control the govt. I hope I am wrong and you go after this bank and fine them.
Company Response:
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Apple card advertised the promotion below - " Don't miss out. Get {$75.00} with a new Apple Card when you spend $ XXXX with Apple Pay at XXXX for a limited time. '' I applied and was approved for the card and within the 30 days I made a purchase at XXXX for {$96.00} on XX/XX/20. I was not given the {$75.00} as advertised on the sign up bonus. I have tried three times with the issuer of credit card - Goldman Sachs. The first two times, my complaint was taken but no confirmation or action was received. They first said the purchase was made after the date or did not acknowledge the promotion. They said I would receive an email confirming the conversation but nothing was received. Then the third time i called, they acknowledged and registered the complaint. I did receive an email saying it was under investigation. On XX/XX/XXXX, they sent a decision saying the dispute was regarding the 'daily cash earned. ' I am not questioning the daily cash earned as explained many times to the representatives at Goldman Sachs. I am disputing the {$75.00} credit which was not received. I have an email detailing the promotion from Apple and the one interaction with Goldman Sachs. They did acknowledge my other calls and did not know why no email confirmation was provided. I am requesting a {$75.00} dollar credit as I met the terms of making a purchase using the card at XXXX.
Company Response:
State: CA
Zip: 91709
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: After applying I can not get an answer from Apple or Goldman Sachs about what further information they are requesting. Representatives from both sides are unable to provide information that they request of me so that I can provide.
Company Response:
State: PA
Zip: 193XX
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XXXX XX/XX/2021 I received an email from Apple Card. It offered 3 % back on all Apple Card purchases. I used my card on XX/XX/2021 for a {$190.00} eyeglasses purchase. I got a XXXX award a couple days later - 1 %. I called Apple Card. They explained I didn't do it right. I still don't understand, but it is something about using my phone. I asked them to stop sending me misleading offers. I returned the glasses and repurchased them with another card. Today, i got a reminder email from Apple Card. " Don't miss out on 3 % Daily Cash this month every time you use Apple Card ... ''. I don't think this type of deceptive advertising should be allowed. Can you help?
Company Response:
State: NY
Zip: 14618
Submitted Via: Web
Date Sent: 2021-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-18
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/XXXX, I authorized a balance transfer from my Apple Card to my XXXX card, for the amount of {$1000.00} plus {$50.00} transfer fee. On XXXX XXXX, XXXX, I realized that the transfer had not yet gone through on my Apple account, so I messaged XXXX. They told me to wait another 14 days. I waited and contacted them again on XX/XX/XXXX by phone, and they told me to contact Apple because the transaction had gone through on XXXX 's end. I called Apple, and they informed me that they do not accept balance transfers ; therefore, the money. had been sent back to XXXX. I called XXXX to inform them of this. I was told that a senior account specialist was looking into my complaint, but then I never received followup on the issue. On XX/XX/XXXX, I called XXXX again, and they told me they could not help me. On XX/XX/XXXX, I filed a complaint with the BBB. The {$1000.00} was temporarily credited to my account, until XX/XX/XXXX, when XXXX decided that the issue was " resolved, '' and they sent me a letter stating that I would have to take up the issue with Apple. I then sent Apple/Goldman Sachs a letter by mail, explaining the situation and requesting that they work with XXXX to resolve the situation. Nothing ever came of that request. I still owe {$1000.00} to both XXXX and Apple.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-18
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 launched a dispute with a vendor, XXXX XXXX XXXX to be exact, in the amount of {$42.00} on XX/XX/2021 due to shipping issues with the order. After seeking a refund directly from the Company, I withdrew my dispute on XX/XX/2021. The Company acted in good faith and agreed to the dispute, which was still active on XX/XX/2021. On their end, they were able to agree to the dispute, thus notifying my bank that the {$42.00} in dispute should be returned as a credit to me. However, Goldman Sachs customer service misrepresented the status of this dispute on four overall occasions. Beginning on Friday XX/XX/XXXX, two different representatives told me unequivocally that the dispute was still active and I must wait 90 days. As the dispute was still active ( even though it was withdrawn two days prior ), that was how XXXX XXXX was able to agree to the standing dispute, which should have resulted in {$42.00} being returned to me as a credit/refund. Since then, I have escalated to issue through XXXX and filed a formal report against them for alleged mishandling and miscommunication about this entire situation beginning on XX/XX/2021. They continue to string me along with false reassurances that they will hopefully resolve the issue. I have given them approximately a week to hopefully follow-through on my behalf, but it seems they have entirely dropped my case. As a consumer, I resorted to filing this report as a means of preserving my consumer rights, and giving me a sense of security that they will have to eventually respond and resolve the issue.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/2021 I transferred {$5000.00} from Marcus to XXXX XXXX, and {$5000.00} from XXXX XXXX to Marcus to backfill the savings account. I opened this account as an emergency savings account so that I can have access to my money anytime I needed it. I tried to move my money to my bank account, and received a call about the suspicious activity. I verified it was me, and they said it was fine. Then they locked my account. I am closing on a house soon, and I need my money to be able to do so. They are telling me to send them paper copies of my banking institution while they hold my money hostage from me. This is extremely horrifying that they can keep my money away from me when I need it most. I have no home, move from temporary housing to an extended stay with my wife and 3 dogs while Marcus has the power to keep my money from me in a time ( COVID making it worse ) I need it most.
Company Response:
State: ID
Zip: 83705
Submitted Via: Web
Date Sent: 2021-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of Identity Theft. The account # XXXX you listed on my consumer credit reports in the amount of {$12000.00} are fraudulent and is a result of Identity Theft. These accounts have no association to me. I have contacted and sent an Identity Theft Police Report, Identity Theft Affidavit to Goldman Sachs Bank USA several times explaining my Identity Theft situation and yet Goldman Sachs Bank USA has continued to harass me and report this inaccurate unverified account to the credit bureaus. I sent 2 letters to Goldsman Sachs Bank USA. One on XX/XX/XXXX to Goldman Sachs Bank USA Fraud Dept. XXXX. XXXX XXXX XXXX XXXX PA XXXX XXXX Certified mail tracking number XXXX and onXX/XX/XXXXto Marcus by Goldman Sachs XXXX. XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX Certified mail tracking number XXXX Both letters were delivered and signed for. The letters included a cease and desist letter, explanation of debt not owed, police report, identity theft report, XXXX XXXX license with Social Security card for verification. These letters were IGNORED and Goldsman Sachs is in continued violation of my rights under the Fair Credit Reporting Act, and are in federal violation of the Fair Debt Collection Practices Act.
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2021-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A