Date Received: 2021-02-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Goldman Sacs Bank USA, is reporting late on my personal loan account for 2 months XXXX and XXXX in XXXX and 1 month XX/XX/XXXX, I was never been late 30 days as reported to all CRAs. I XXXX outside US on job and due to te encouragement and online payment option provided by creditor I paid within time frame online from their website, as per the account agreement they haven't mentioned that I can't pay online outside of USA, and even though I paid they deferred the payment and reported as late making me to check and call from other countries to pay again and report as continuously late which is against the agreement. NOTE - As Goldman Sacs Bank USA has not put in agreement terms as that I can't pay online outside USA, they should not report as late. Please look into this and ensure that creditor reports all 3 payments as on time. All the CRAs are not looking into deferring of my online payments from outside USA, proof is all my payment are made online and in XXXX, XXXX I asked them to correct this online we site bug.
Company Response:
State: CA
Zip: 94550
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
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 have an Apple card that was hacked on XX/XX/XXXX in the middle of the night there were the below charges to my card. XXXX {$950.00} XXXX {$39.00} x2 XXXX XXXX {$500.00} x3 XXXX {$950.00} XXXX XXXX {$240.00} XXXX {$24.00} XXXX {$29.00} x5 In the morning I work up to an alert on my phone that Apple had declined some attempts to use my card that look fraudulent. I call Goldman Sacks right away and reviewed all of the charges above and confirmed they were all fraudulent. Goldman Sacks looked into this and reverse all of the charges that did go thru. On XX/XX/XXXX the XXXX charge of {$950.00} went back on my card. I reported it again, Goldman Sacks reversed and looked into the issue. Keep in my this was the first charge on the night my card was hacked and then the series of other attempts happened right after that first one. On XX/XX/XXXX I see that the charge was put back on my card. I call immediately and disputed. On XX/XX/XXXX I received and email from Goldman Sachs that this card was resolved in my favor and has been perinatally removed from my card. Sometime in XX/XX/XXXX this {$950.00} charge showed up on my balance again. I called into customer service and reported it and told the story and gave all the timelines of the night I was hacked. I asked if this could be escalated as I was not please that this was put back on my balance again. I have been call at least once a week asking why this has not been removed and no one calls me back with resolution. I am very concerned, due to the fact that I have an impecable credit score with a 100 % on time history in payments. I am getting emails that my balance is past due. This in no way should be reported to any credit bureau and effect my credit standing. Please help in resolving this with Goldman Sacks as I can not get them to return my call. Thank you in advance for your time and attention to this email. XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33060
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-21
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I Have an Apple Bank credit card that I use through my mobile wallet on my XXXX. Everything worked wonderfully until XX/XX/XXXX from which point onward I have been unable to view transactions occurring on my account, view statement detail, and otherwise manage my account. I can still make charges, but I can not see if my payments and refunds have been applied, or if there any illegitimate transactions being applied, or any interest being applied ( there should be none - Ive paid my interest-free balance every month by the due date ). On XX/XX/XXXX, I contacted support via XXXX Chat. They sent me a link to check my transactions and the link opened to garble ( attached ). They had no other way to assist me.
Company Response:
State: NV
Zip: 897XX
Submitted Via: Web
Date Sent: 2021-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XX/XX/XXXX, I received notice form XXXX that my dispute with Goldman Sachs had been completed. Came back with the information was verified as true. Shows I paid {$10000.00} and still owed over {$11000.00}. This is not true. I have attached a letter from them stating the facts.
Company Response:
State: FL
Zip: 34608
Submitted Via: Web
Date Sent: 2021-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-20
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 made a purchase on XX/XX/XXXX for some items from XXXX XXXX online XXXX XXXX XXXX for {$180.00}. It appears that the company is based in XXXX. I noticed that in XX/XX/XXXX, I still didnt receive the items. So I requested a refund. The company admitted that my package was never delivered to me and told me they would give me a refund once they received the items back. I did not receive the refund as I cant return what I dont have. So I filed a dispute with my credit card company, Apple Card. As of yesterday, the company refused to give me a refund and the Apple Card representatives said because the companys provided proof that I purchased the items and the company said they were giving me a refund, they are ruling in the merchants favor regarding the dispute. Therefore, the {$180.00} charge will stay on the card.This is not acceptable because I never received the items and the company has not given me a refund. Apple Card is not a safe credit card to use.
Company Response:
State: FL
Zip: 33076
Submitted Via: Web
Date Sent: 2021-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-20
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I get denied for a Apple credit every time I try to apply. I spoke with someone last night XX/XX/20 about it I let them know that Im a victim of identity theft and XX/XX/XXXXwants me to try to get to a credit card to raise my credit score which is almost XXXX I just want to be able to get it raised. I dont need much financed thru Apple credit card just enough to prove I can pay what I owe if approved on time with no problems. Could you please help me
Company Response:
State: GA
Zip: 317XX
Submitted Via: Web
Date Sent: 2021-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Goldman Sachs Bank is a result of IDENTITY THEFT i have tried to resolve this with the company and XXXX and no one is willing to help! I have asked both companies to provide proof and nothing has happened. No proof has been received. This account has been removed from XXXX and XXXX with no issues but XX/XX/XXXX keeps saying verified as accurate. I never knew anything about Goldman Sachs until I applied for a apple card ( that does belong to me ) that goes through GS BANK and they then told me i owed them some old debt which was a result of identity theft
Company Response:
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2021-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-20
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/XXXX - A purchase of {$380.00} was made on my Apple Credit Card ( Goldman Sachs ) was made at XXXX at XXXX XXXX XX/XX/XXXX I noticed a fraudulent charge of {$380.00} and immediately contacted Apple ( Goldman Sachs ) customer service at XXXX XXXX. I informed them that I've never made any purchases to this merchant. The full amount was credited back to my account and my credit card replaced. XX/XX/XXXX - Two new charges appear on my credit card, one of {$140.00} and another of {$230.00} totaling {$380.00} equal to original amount. I immediately contacted Apple credit card to dispute the charges one more time with XXXX. The amount was returned and a fraud investigation was underway. XX/XX/XXXX - I received an email with the transaction dispute resolved in favor of the merchant. The email states that sufficient evidence was provided by the merchant that Ive made the purchase. I called Apple credit card customer service once again to only dispute the transaction of {$140.00} and to request the documents of the results of the investigation. The Apple card specialist named XXXX at Goldman Sachs informed me that the documents would arrive in 1-3 business days. The documents never arrived after said time. The amount of {$230.00} remained credited and a temporary credit of {$140.00} was returned to my credit card. XX/XX/XXXX - The dispute made back in XX/XX/XXXX was again resolved in favor of the merchant for the same reasons stated above. The fraudulent amount of {$140.00} was charged back to my credit card and I received an email stating the same outcome. I contacted Apple Credit Card again to dispute the same amount of {$140.00} of part of the fraudulent purchase made at XXXX back in XX/XX/XXXX. I spoke to a fraud specialist again who repeated the same steps above and suggested to dispute the charge again with an unknown outcome. I requested the documents of the dispute and the specialist said that I will receive them in 1-3 business days. I told the specialist to leave the charge this time, and now, I'm filing this complaint.
Company Response:
State: CA
Zip: 95125
Submitted Via: Web
Date Sent: 2021-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-19
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I dont understand why Marcus by Goldman Sachs bank USA doesnt offer us checking accounts only savings when they claim to be a bank its ridiculous they should add checking to their portfolio and offer more products
Company Response:
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I attempted to pay off my entire balance on my Goldman Sachs Apple Card on XX/XX/XXXX and called in to make a balance transfer of {$5700.00}. The payment was initially accepted on the phone, but a few days later the charge was denied. I still had a balance due on the Apple Card, so I called to find out what the updated total amount due was. The rep told me my new balance was {$5800.00}, so I mailed in a physical check. That check went through on XX/XX/XXXX. I showed a {$0.00} balance. On XX/XX/XXXX my account was charged interest of {$74.00} and a monthly installment plan of {$41.00}. I called to find out why I was being charged this when I had a {$0.00} balance. I could potentially understand the installment payment ( though I was told it was included in the balance I paid ). But I didn't understand how a {$41.00} charge would accrue {$74.00} worth of finances charges. The rep couldn't explain either. Between XXXX and XX/XX/XXXX I called several times I was never given a clear answer as to why I had a balance. Finally in XXXX, they explained that the balance I was quoted did not include the installment plan and I would still need to pay that amount of {$160.00}. I initially disputed that amount because I felt I shouldn't be penalized for their mistake. I eventually called back in to pay the {$160.00} and get rid of this headache. I was told I would have to pay the new balance of {$210.00} because there was delayed interest that wasn't applied when I paid the balance in full. Again I told them I got my pay off number from them and do not want to pay any additional fees. Due to their mistakes, poor communication and poor customer service, I am asking a third party to review this case.
Company Response:
State: HI
Zip: 96706
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A