Date Received: 2021-02-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2020, I contacted XXXX : by Goldman Sachs that there were unauthorized transfers being made from my savings account. While I was on the phone with them these transfers were taking place. They stopped one transfer and recommending closing the account. They transferred what was left in the account to my local bank. They transferred me to the fraud department who would begin an investigation into the transfers. They asked me if any of the transfers were made by me and I reiterated that I had made no transfers since opening the account. They assigned claim number XXXX to the investigation. There had been almost 40 trial deposits and transfers of less than {$1.00} made by the people testing the account from XX/XX/XXXX through XX/XX/2020. I would like to know the results of claim XXXX and what was done in reaction to the over {$23000.00} in illegal transfers from my account.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2021-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-16
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: HAVE A FRAUDULENT CHARGE ON-LINE CHARGE ON MY APPLE CARD WHICH IS THROUGH GOLDMAN SACHS. THIS CHARGE IS FROM XX/XX/2020. AMOUNT IS {$560.00} & HAVE BEEN DISPUTING IT SINCE THEN. THEY LOOK INTO IT, CREDIT ACCOUNT TEMPORARILY THEN RE-CHARGE ACCOUNT NO MATTER WHO I TALK WITH FROM APPLE & GOLDMAN SACHS. I HAVE FINALLY RECEIVED A COPY OF THE CHARGE FROM GOLDMAN SACHS & ITEM WAS DELIVERED TO AN ADDRESS IN XXXX, PA. I ALSO RECENTLY FILED A FRAUD POLICE REPORT & SENT THIS IN WRITING TO THEM. AND AGAIN GOT A TEMP. CREDIT FOR A WEEK OR SO & THEN CHARGE RE-APPEARS ON ACCOUNT. NOT SURE WHAT TO DO AT THIS POINT? THX.
Company Response:
State: PA
Zip: 19006
Submitted Via: Web
Date Sent: 2021-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-16
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 used my credit card ( Apple Card ) on XX/XX/XXXX to pay for fitness equipment. After placing the order I contacted merchant in XX/XX/XXXX to follow up on my order. I was not given a confirmed date for delivery of equipment nor an ETA. I disputed the charge with my credit card. It was resolved in favor of merchant. As per card company I authorized the charge which is true. However I am not disputing the charge as such but disputing the charge due to inability of merchant to deliver merchandise that I paid for. I contacted merchant again in XX/XX/XXXX. Merchant expressed his inability to fulfill the order, yet again. I am paid {$470.00} for goods that were never delivered and credit card company washed off their hands by not helping their own customer. I have shared the emails from vendor with my credit card company and even then they are not willing to take action.
Company Response:
State: CA
Zip: 94588
Submitted Via: Web
Date Sent: 2021-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-15
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: This is my second attempt to resolve this issue in regards to my consumer credit transaction.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-13
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: During my purchase of XXXX phone on XX/XX/2020 at XXXX store online the tax amount shown as I will be charged was {$68.00} and after the transaction was completed my card was charged for {$82.00}. I have filed a dispute with Apple Card ( Goldman Sachs ) and they said they will reach out for evidence from me but didnt happen and after few days they said it went in merchants favor. So I filed a dispute again and they could not resolve. So I have paid off all the other balances in my card except {$82.00} and closed my account.
Company Response:
State: IL
Zip: 60089
Submitted Via: Web
Date Sent: 2021-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-12
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: Hello, on XX/XX/2020 I placed an order with my Apple Card on XXXX XXXX. The tracking showed it was delivered. I waited a few days, checked my whole building, spoke to my security before contacting the merchant, I waited a few days, received no response. Thats when I decided to dispute the charge with Apple. They keep putting the charge back on my account because theyre saying the merchant provided evidence that it was delivered. However I did not receive my item. How can I show proof that I never got my stuff? Apple said they cant help me until I submit a complaint with you guys. Please help me, I am not willing to pay that money for an item I have not received in almost 3 months.
Company Response:
State: NY
Zip: 11224
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-12
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I opened a Credit Card account with Apple that is serviced by Goldman-Sachs on XX/XX/XXXX. The reason for opening this account was because they offered " no interest '' and to give you money back if you purchase Apple products with that card, which was my intention, due to my previous XXXX being destroyed at work. On XX/XX/XXXX I closed the account to consolidate my debt and keep me from using that card. When talking to the representative, he set the expectation that I am expected to pay the remaining balance on the card, which I knew and agreed with. In XXXX, XXXX, I paid {$400.00}, XX/XX/XXXX, I paid {$900.00}, and then XX/XX/XXXX I paid the remaining balance of {$1200.00} to XXXX out the account. At this point, I was under the assumption with the account being closed, paid in full on or before the end of the month, I would no longer have any obligation to that account and could move on to paying off my other debt. Goldman-Sachs then charged me interest in the amount of {$23.00}, and claim they notified me of a late payment. On XX/XX/XXXX I happened to open my digital wallet app where you manage the Apple Credit Card, and see that I have a late balance of {$24.00}. I immediately contacted a Goldman-Sachs representative. That representative then told me they would forgive the interest, and I paid XXXX cents to officially XXXX the account for a second time. At this point in time, I assumed since they waived the interest, the late payment would be removed. Moving into XX/XX/XXXX, I had my mortgage lender pull my credit to get approved for a loan to buy a new home. I then found out from my lender that I had a 30 day late mark on my credit report from Goldman-Sachs. I then contacted Goldman-Sachs to try and solve this issue. Goldman-Sachs then told me they would file a dispute within the company. I also filed a dispute through all the credit reporting bureaus. That wasn't getting me anywhere, so I then called Goldman-Sachs to try and get as high in the management chain as possible to plead my case, and settle this as a misunderstanding that way I could have my credit fixed, so I could qualify for a conventional loan. I made it through to the third in management of the customer service department, who told me that they can not transfer farther, but can submit a request to have upper management call me. Goldman-Sachs never returned my call, to which I responded with contacting the XXXX XXXX XXXX. After submitting the complaint to the XXXX, I called Goldman-Sachs and found out from a representative that they would not be removing the mark. I asked to speak with that higher level of management, which they replied with, they will be calling you to explain why. Again, I never received a phone call. As of today, I received the response from the XXXX where Goldman-Sachs again denies my request to remove the late mark on my credit. I disagreed with their request to close the complaint, and am continuing with my complaint through the XXXX. I have come to CFPB in hopes to find a resolution. This mark on my credit report has dropped me 70 points, which can last up to 7 years, all because of Goldman-Sachs not properly outlining their terms and conditions, and in my personal opinion portraying information falsely. In their advertisements, they boast " no interest '', " No interest if paid in full on or before the end of the month. '' I paid within the month, never had a late payment, and even with the account closed and paid in full by the end of the month, they charged me interest, and caused me to have a past due payment, in turn causing me to loose 70 points on my otherwise " perfect '' credit. I have never had a late payment, even when I lost my job. I feel that Goldman-Sachs advertises information improperly, and I do not want something like this to happen to someone else, who is trying to better their credit and get out of " bad '' debt.
Company Response:
State: CO
Zip: 807XX
Submitted Via: Web
Date Sent: 2021-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: Money was not available when promised
Subissue:
Consumer Complaint: On XX/XX/2021, called Marcus by Goldman Sachs ( MGS ) to perform a Domestic US wire from my MGS online savings account to my XXXX XXXX XXXX, XXXX. Individual Investement account, and I was asked to gather the required information ( Bank name, routing number, account number, etc ). I was informed that if the request was received by XXXX. of a business day, the domestic US wire would occure within hours of the request. When I called MGS on XX/XX/XXXX to provide the required Domesctic US Wire from MGS to XXXX XXXX, for some unkonwn reason the representative lied and decieved me by telling me that I could only perform a US domestic wire for an account that I had linked, which I was not told the day before, and has turned out to not be true. On XX/XX/XXXX, I called back to MGS to verify the requirements to perform a US Domestic wire to XXXX XXXX, and only had enough time to get the represntative, who did not appear to know what he was doing, to verify that I could indeed perform a US domestic wire to an external account and it did not have to be linked. On XX/XX/XXXX, called MGS to initiate the US Domestic wire to XXXX XXXX before the XXXX. deadline, and after 4 hours, checked my XXXX account and did not see the funds. Followed up the phone call to MGS and the MGS representative then proceeded to tell me that my US domestic wire was in the queue, and would need a primary and secondary review before the funds could be released ( which was not told to me ). Then, the MGS representative told me that after the review, it may take 2-3 business days to complete the US domestic wire. **Complaint is to determine how many times and the Marcus By Goldman Sachs company lied and decieved me as a customer, and how this behavior can be corrected by Marcus by Goldman Sachs XXXX
Company Response:
State: MD
Zip: 21113
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have an Apple Card by Goldman Sachs ( Credit Card ) with a USURY APR of 21.99 %. I was in a chat session, first with a customer service representative and then with that persons ' manager, who both refused to even take my request to lower that APR into consideration, by referencing what they referred to as the SCRA, which according to them both, only allows for SELECTED members of the military, the sole and exclusive opportunity, to have their APR 's lowered. This is of course discriminatory and illegal and against the FAIR LENDING ACT, hence my submittal of this complaint to the CFPB. Please find attached, screen shots of the chat interaction I have referenced above, that further details my afore-here summation of my complaint. Please let me know what further you need from me.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-10
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On several occasions ( at least 3 times over last 6 months ), I've called Marcus Bank by Goldman Sachs about receiving bank statements at my mailing address even though I'm setup for online / paperless delivery. They keep sending paper statements to my address but I'm not always home and there have been issues with my mail being access by external people. In fact, I know of one instance where my statement was opened by someone else ( PRIVACY EVENT ). I'm currently logged into my account and the delivery method is " Electronic '' but I'm still getting paper communication ( see attached screenshot ). They don't seem to care ... I've called so many times and even asked to pass my issue over to their Complaints team but no one calls me back and handles my situation. There is something wrong with their system. PLEASE HELP!
Company Response:
State: PA
Zip: 19115
Submitted Via: Web
Date Sent: 2021-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A