Date Received: 2021-03-14
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 while I was riding bicycle with my friend someone broke into my car and stole my wallet. This can be proven easily by an affidavit from him and the invoice from dealership for the repair. Several purchases was attempted on my Goldman Sachs XXXX ( XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX accounts. I was not even in the same city as where the charges were being attempted and I can prove this as well. I responded to all authorization request that was texted to me. XXXX and XXXX XXXX XXXX did not approve any transaction. 3 charges was attempted on Goldman Sachs XXXX XXXX XXXX XXXX and 1 on XXXX XXXX XXXX They were all declined except one that was approved by each bank. XXXX XXXX have recognized the error and have approved credit to my account. 3 charges was attempted on Goldman Sachs XXXX XXXX XXXX XXXX XXXX. 2 charges at XXXX XXXX ( {$1500.00} & {$2400.00} ) and one at XXXX ( {$650.00} XXXX. XXXX declined the charge at XXXX and one of the charges at XXXX XXXX. But XXXX approved {$2400.00} at XXXX XXXX. WHY not decline all of them? Screen cap from XXXX card attached. XXXX claims that it was me who made the purchase and that is simply false and impossible. I was 30 minute drive away in a different city. I am not responsible for this charge hence can not pay it. Please reverse this charges and credit my account.
Company Response:
State: CA
Zip: 92691
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I noticed my credit rating had dropped from XXXX to XXXX and that I was issued an apple card through bank XXXX with a credit limit of {$10000.00} which I never applied for. It showed I had a late payment and I was only aware of this card when I saw the credit report. I called the bank and cancelled the card and they dropped the charges. I have never used this card, never issued a card, never received a bill for this charge, and the email account on file with the card is an email address I have not used in more that 3 years.
Company Response:
State: VA
Zip: 24060
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: To whom it may concern : ( Regarding : Goldman Sachs Apple Pay scam ) Dear Sir/Madam : I have an Apple Pay account which is custodially managed by Goldman Sachs. As of today XX/XX/2021, my official and current balance for my Apple pay account is exactly {$.00}. Today XX/XX/2021 XXXX I saw a payment from my bank checking account toward my Apple pay account for {$1200.00} which I did not authorized. I used the Apple Pay app to Report a problem with todays {$1200.00} payment which connected me via Chat to a rep that might have been oversees. The representative was not helpful ; the individual didnt notice or didnt care my balance was only {$.00} which I pay monthly for Apple XXXX storage. The individual didnt notice not only was this transaction attempting to remove {$1200.00} from my bank checking account but it also simultaneously gave me a false balance on my Apple pay account of owing the same {$1200.00} to Apple. Which basically Goldman Sachs is attempting to fraudulently steal {$2500.00} from me. The individual only help was that I must have signed up for automatic payments ( which I did not, I had removed automatic payment, but Goldman Sachs erroneously reinstated it. ) then the individual provided a paragraph of legal language and asked me to agree to it so he/she can remove the transaction. I told the individual via chat I agree Goldman Sachs is fraudulently attempting to remove {$1200.00} from my bank account while simultaneously giving me a balance of {$1200.00} on my Apple pay account. The individual refused addressing the issue and only repeated he/she only wanted to confirm I Agree which I did not confirm. I only repeated what I previously stated. I agree Goldman Sachs is fraudulently attempting to remove {$1200.00} from my bank account while simultaneously giving me an erroneous balance of {$1200.00} on my Apple pay account. The individual continued to insist that I agree at which point I decided to not response anymore. The cause of this issue is Goldman Sachs makes it extremely difficult for consumers to pay off their Apple Pay debts quickly. The payment structure attempts to tie consumers to automatic recurring payments and does not allow consumers to make one-time/one-off payments. Without the recurring payments it obviously prevents Goldman from collecting massive interests if consumer defaults or have some other issue. Please help STOP this Scam from Goldman Sachs against consumers. I am now unable to pay my {$.00} cent balance because their system is saying I paid {$1200.00} so by the time this is fixed I would have not been allowed to pay my real balance of {$.00} cent and this will effectively put me in default which they will then have their way in sabotaging my credit.
Company Response:
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2021, I tried to access my account at Marcus.com -- an online bank operated by Goldman Sachs Bank USA -- that I opened more than two years ago. I could not proceed to access my account without inputting my occupation and salary information, which the website claimed is " legally required. '' I'm told after 40+ minutes with customer service that the requirement is mandated by federal law. I know of no federal law that requires a bank to obtain occupation and salary information after opening a savings account, and the representative was not able to provide support. Certainly there is nothing in the deposit account agreement that a customer has to provide -- or continuously update -- occupation and salary information. Can you please help?
Company Response:
State: NY
Zip: 10022
Submitted Via: Web
Date Sent: 2021-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: i had XXXX in XXXX and was in the hospital for a little over a month and i came out in XXXX XXXX and went back on XX/XX/XXXX for complications and didnt get out till XX/XX/21 i couldnt make my payments to any credit card company and there the only one who reported me late and i called them and told them they said they enrolled me in some program and would wave everyting for 90 days and not they didnt any they destroyed my credit
Company Response:
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-11
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: On XX/XX/2021, I lifted the credit freezes from 4 bureaus ( XXXX, XXXX XXXX XXXX ) so I can apply for a savings account. I then went to Marcus ( Goldman Sachs ) online savings website, and applied for a savings account. I got a message saying I should call the bank for manual verification, and asked me to reference application ID XXXX. So I did. After some time on the phone ( a call I recorded - I normally record all my phone calls as standard practice, and I am in Texas, a single party state ). After asking me to repeat all the information I provided online, I was informed I am " manually declined '' for Goldman Sachs 's failure to verify my ID. After further contact on XXXX with Goldman Sachs, it was suggested maybe I have a typo in my application. So I applied again, triple checked everything, and got denied again ( application ID XXXX ), with the same pretext. I have credit scores over 800 in all bureaus, and a high net worth individual who just wants more bank accounts opened to increase my FDIC coverage. I keep my reports frozen as a precaution and lift them only when needed. Goldman Sachs failed to disclose why I was denied, and failed to disclose what bureaus and databases they used to reach their decision. I have decided not to pursue an account with them anymore, but I have recently examined XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and found no issues. I demand that Goldman Sachs disclose to me, in writing, what databases they used to reach their decision, as I have the right to examine those records and make sure there is nothing about them that is incorrect. Thank you, XXXX XXXX
Company Response:
State: TX
Zip: 78665
Submitted Via: Web
Date Sent: 2021-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2021, I contacted Goldman Sach Bank via the internet about a debt consolidation loan for {$20000.00}. However, on the loan application step 1 states that this application will not effect your credit report. So I began filling out step 1 and made it to step 2 and gave them my birth date and I believe my last 4 digits of my social security number and then I tapped accept to view the terms of the loan not to actually get the loan. I never finished the loan application process because of the false advertisement on step 1 saying : " This will not effect your credit ''. Then within seconds of me giving Goldman Sach Bank loan application my birth date and the last 4 digits of my social security number, I received a notification from XXXX XXXX that a hard inquiry was on my XXXX credit report from Goldman Sach Bank. I immediately called Goldman Sach Bank and explained to them what just happened and that it was not right for them to pull my credit report because I never finished the actual loan application process and that step 1 specifically states that this will not affect my credit. Goldman Sach Bank said that it was not anything they could do about it because I accepted the loan. I explained to Goldman Sach Bank what step 1 said and that I never even finished the loan application process steps and that I only tapped accept because I thought it was only to view the terms not to actually accept the loan and the reason I don't want the loan again is because of the false advertisement on step 1 and them pulling my credit report before I even finished all the steps. I called XXXX credit report company and explained to them what took place with Goldman Sach Bank and they told me to call Goldman Sach Bank back and ask them for a letter of deletion so I could get the hard inquiry off of my XXXX credit report ( I have a XXXX file number for this incident ). However, I did call Goldman Sach Bank back but they refused to provide me with the letter of deletion. So I called XXXX back and explained to them what Goldman Sach Bank said and they told me to contact CFPB about obtaining a FTC report and that the FTC report would be a replacement document since Goldman Sach Bank would not write me a deletion letter document.
Company Response:
State: SC
Zip: 29461
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX XXXX charged my credit card XXXX and XXXX. Both are unauthorized charges as I have never placed order from XXXX. It is not retail website, but rather XXXX. I tried contacting XXXX, however I have failed to get any respond from them. Then I filed dispute with XXXX XXXX who services XXXX XXXX XXXX. Finally, XXXX refunded partial for the amount of XXXX on XX/XX/XXXX but not full amount of XXXX it charged. This is unauthorized by XXXX. So, far XXXX XXXX has refused to refund the difference or provide any evidences to support XXXX proof that I made any purchase or received any product or services from XXXX. Nor have XXXX provided me with any proof of products or services provided by them to me. XXXX XXXX asking me to provide proof that I didn't make those purchases, which I have none because I didn't make those purchases. Further more I have tried contacting CEO of both XXXX and XXXX XXXX - either one 's office have responded to my emails. I have more dispute regard XXXX XXXX lights that purchased that came damage, they won't return or refund them. I tried contacting the company so many times, but look - see attached emails. It took months to receive the product and then they were damaged and most of them no longer work now. That is another dispute running with XXXX XXXX for {$170.00}.
Company Response:
State: VA
Zip: 20152
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-09
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: APPLE CARD ISSUED BY GOLDMAN SACHS BANK USA IS NOT IN COMPLIANCE BY LAW IN APPROVING AN APPLICATION FOR THE TRUE CARDHOLDER. IVE BEEN TRYING TO GET APPROVED FOR THE APPLE CARD FOR A WHOLE YEAR AND EVERYTIME I APPLY I GET DENIED EMAIL SAYING I WAS DENIED BECAUSE THEY CANT VERIFY MY IDENTITY. WHICH IS NOT TRUE DURING THE PROCESS THEY ASK TO UPLOAD MY DRIVER LICENSE WHICH SAY SUBMITTED SUCESSFUL. THAN 10 MINUTES LATER I RECIEVED AN TEXT ON MY PHONE ASKED DID I APPLY FOR THE APPLE CARD I TEXTED BACK YES THAN SAY APPLICATION IS PENDING. NEXT DAY I RECIEVED AN UPDATE ON APPLICATION THAT IT WAS DENIED SOLEY THEY CANT VERIFY MY IDENTITY WHEN I ALREADY SUBMITTED VALID DRIVER LICENSE WITH SAME ADDRESS ON DRIVER LICENSE ALSO THEY PULLED A SOFT XXXX PULL WHICH HAS SAME INFO I HAVE GOOD CREDIT AND THERES NO REASON FOR AN DENIAL WHEN I AM THE TRUE APPLICANT APPLYING. THERES AN ERROR SOMEONE WHERE IN THEIR SYSTEM THAT KEEPS DENYING MY APPLICATION FOR CREDIT WHICH IS UNFAIR I SHOULD HAVE SAME RIGHTS TO APPLY FOR CREDIT AS ANYONE ELSE WHO GET APPROVED. ALSO REVIEWING ONLINE REVIEWS FROM PAST CARDHOLDERS OF APPLE SAYS WHEN DOING THEIR APPLICATION ON PHONE THEY GOT AN INSTANT APPROVAL WITHOUT ASKING FOR AN ID AND MOST COMPLAINTS PEOPLE HAVING TROUBLE GETTING APPROVED FOR CREDIT AFTER UPLOADING ID SAYING CANT VERIFY IDENTITY. ENCLOSED IN ATTACHMENTS OF DRIVER LICENSE FRONT AND BACK, SOCIAL SECURITY NUMBER FRONT AND BACK, UTILITY BILL IS TO PROVE MY IDENTITY AND ASK THIS APPLICATION BE MANIUAL APPROVED. I WILL BE SEEKING AN ATTORNEY TO ASSIST ME IN SUEING APPLE FOR DENYING ME FOR CREDIT FOR AN WHO YEAR WHEN I PROVEN MY IDENTITY IN UPLOADING MY DRIVER LICENSE AS REQUESTED BY APPLE WILL SUE IF THIS COMPLAINT IS NOT RESOLVED IN MY FAVOR BY XX/XX/2021
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: After 2 years of perfect payments record Paying my full balance ever month in full Without even 1 prior email or help After having trouble to pay my balance for the very first time my Apple card was closed during national pandemic I would like to report the bank into customer support at the state of CT and national customer help. I would Luke to expose this bank practice, without a single email or giving me an opportunity to fix my account, they just close it. I think banks forgot whos money bailed them out including this bank in the past bank crisis, but during national pandemic, when people loose jobs, struggle they use their power to bring everyone more down Im a woman owning a small business strangling like all of us, how is it possible for bank not giving you even one notice that they plan to close your account after being late for one month! This bank should be ashamed of themselves and not allow to profit from national crisis! Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ct XXXX XXXX XXXX XXXX
Company Response:
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A