Date Received: 2021-02-10
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 two purchases through XXXX with my Apple Card on XX/XX/21 and XX/XX/21 for {$49.00} each to XXXX. The program I was using through XXXX has a serious programming flaw virtually wiping my purchases without use. I submitted a complaint with XXXX and was told their was nothing they could do. I will submit two statements from XXXX admitting there are issues they are trying to resolve. However, they have done nothing to make me whole for my losses.
Company Response:
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2021-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Goldman Sachs is not consistently reporting my credit card balance every 30 days per FTC laws. I was advised it would be updated ever month, at the end of the month. It was not updated in XX/XX/XXXX. It was last updated XX/XX/XXXX. As of XX/XX/XXXX it still shows the wrong balance.
Company Response:
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2021-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My identity was used fraudulently to open a personal loan on XX/XX/2018 with GOLDMAN SACHS BANK USA account # XXXX balance {$11000.00} This account is fraud.
Company Response:
State: CA
Zip: 90043
Submitted Via: Web
Date Sent: 2021-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX XXXX Inquired on XX/XX/2020, XXXX/XXXX XXXX Inquired on XX/XX/2020, APPLE CARDXXXX XXXX Inquiry : XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Company Response:
State: IL
Zip: 60564
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-02
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 paid my debt in full to this credit card company, Goldman Sachs, Apple Card. I closed the account already as well. But they are still charging me {$69.00} for an item I never received. I have called numerous times, I have lost count. The last time I called them, the representative herself even proved and told me that I had no balance left. But 2 months later I am still receiving statements from them because that same amount is still showing on my balance. This company is trying to steal money and none of the representatives want to help nor understand how to count numbers. I have proof and they have proof that I do not owe them a cent. Still they send me monthly statements with a balance of {$69.00}. I have already filed a dispute with them as well and it did not get solved.
Company Response:
State: CA
Zip: 92345
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I had outstanding balances that were paid on XX/XX/XXXX at XXXX for {$1200.00} and XX/XX/XXXX at XXXX for {$1100.00} that paid the entire balance on my credit card for the month of XXXX with a statement ending date of XX/XX/XXXX and a period ending date of XX/XX/XXXX. They are saying that even though I made the payments on time, they are saying that the payments didn't clear so they are charging me interest on the account. I have never had payments take this long to clear, and was given no indication that their policy toward payments had changed. They are now telling me to pay 5 days in advance, even though the due date is the end of the month ( which would hurt me as a consumer to prevent me from continuing to earn interest on those funds for 5 days because of their unmentioned change in policy ). I also have the account set up on autopay for the full remaining balance to prevent interest from being charged, which is misleading because I was still charged interest even though my payment processed.
Company Response:
State: VA
Zip: 22030
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-30
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/2020 a {$900.00} purchase was made using my card information. I noticed the charge a few hours after the purchase was made and immediately called Apple Card services and disputed the charge and had my card number changed. I received an email today stating I would be held responsible for the charge because the merchant provided sufficient evidence that I made the purchase. After speaking to a Goldman Sachs manager he stated the company " XXXX '' provided an invoice with my card number and billing address, but to a person of a different name and a different shipping address. The manager said I would need to provide him with an email or screenshot proving I did not make the purchase. Upon asking how I could provide an email with evidence I didn't make a purchase he stated that was not his job. Several charges were attempted with the old card number in the two months following my dispute proving that somebody has my card information. I tried explaining to the manager that wherever they got my card information is also where the got my billing address, but he said he can't help me.
Company Response:
State: TX
Zip: 77845
Submitted Via: Web
Date Sent: 2021-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XXXX my local credit union sent a check to Goldman Sachs to pay down a significant portion of my Apple Card issue by Goldman Sachs whom I will refer to as GS. GS received the check on or around XXXX per the stamp on the back of the check copy I received from my credit. GS cashed the check and has not posted the money to my account. My payment is due on the XXXX of XXXX, I reached out to GS who claims theyre looking into it and have no idea where the check is, where the money went or anything.
Company Response:
State: NY
Zip: 133XX
Submitted Via: Web
Date Sent: 2021-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-29
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I recently came about an issue where my savings account with Marcus by Goldman Sachs ( Marcus ) was locked up and my funds became inaccessible after a series of fund transfers to XXXX Exchange ( XXXX ). The issue was resolved after a series of calls to supervisors at Marcus. Below are details on the issue. On XX/XX/2021, XX/XX/2021, and XX/XX/2021 I transferred {$12000.00}, {$15000.00}, and {$500.00}, respectively, from my Marcus savings account to my XXXX account. On XX/XX/2021 I transferred 2 small payments of {$0.00} and {$0.00} from my Marcus account to a XXXX XXXX XXXX account. The purpose of these two small transfers was because the Marcus site required me to do so before I am able to send a larger sum of money. After verifying the amount transferred I would be allowed to make larger transfers. After these transfers were verified by me, I proceeded to transfer a larger sum between {$2000.00} and {$4000.00}. The reason I can not supply the exact amount is because the transfer history is no longer active in my Marcus account. On XX/XX/2021, my Marcus Savings account was locked up and I was left with no ability to access my funds. A phone number was provided for me to reach out to resolve this lock issue. On the first call, I was told that the account had been flagged because I had sent funds to XXXX and they could not verify that I owned that XXXX account. To resolve this issue, I would have to submit a XXXX account statement to Marcus via mail and that I could not send it via email. My account would remain locked until this document reached Marcus and then it would take up to 10 business days to be reviewed. I proceeded to look in my XXXX account to find that there were no account documents that would satisfy the verification requirements asked by Marcus. I relayed this information to a Marcus representative on a second call. After speaking with a superior I was told this new information would be reviewed to see what could be done. I heavily expressed my need to access my funds and how it was preventing me from engaging in personal business activities. As there was no response after a few hours, I called a third time, but there was no change to the situation. I asked if my account could be closed and funds transferred to my personal checking with XXXX bank and was told I would not be able to. On XX/XX/2021 I placed the 4th call and was told the account was flagged because I had tried to send funds to another institution, XXXX XXXX XXXX ( XXXX ), which was not discussed in any of the first 3 calls. The Marcus representative tried to verify my account with XXXX, but couldn't because XXXX does not do account verification to external sources. She offered to cancel an ongoing transfer I had to them in order to get my account unlocked. I agreed and my account was unlocked then. I asked the XXXX representative to let me file a formal complaint to improve the system and was told there is none. After speaking with her manager, she recommended I file it with the Consumer Finance website. Systematic issues : - It is still unclear to me if Marcus flagged and locked my account because of my transfers to XXXX, XXXX, or both entities together. - Marcus failed to notify me of my account lock up. I was only alerted after having waited long enough for my XXXX bank transfer, which never occurred, and login into the Marcus website to find that the account was inaccessible. - Marcus allowed me to send two small transfers to XXXX as per their system verification process, but flagged and locked my account on a larger transfer after I had already verified my transfers as per their verification process. - Marcus representatives gave me different reasons at different times for my account to be locked. - Marcus requested a verification by mailing a copy of a statement from XXXX which I had no power to obtained and left this issue in my hands. - Following the verification process would have taken at least 12 business days ( 2 days for mailing the documents and up to 10 days for processing ) when they could have been sent via email immediately should the documents be available. There is no reason for a customer 's funds to be inaccessible for this period of time. - I had to speak with 4 different supervisors until my issue was resolved. - Marcus does not have a formal process to submit feedback on practices that can improve their business practices. - The verification process was solely left in the hands of the customer. Things that went right : - The customer representatives were calm and followed processes dictated by their company ; they helped with what tools they were given.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
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: On XX/XX/XXXX, I noticed an unauthorized charge to my Apple Card issued by Goldman Sachs Bank. I immediately contacted Goldman Sachs through their chat feature. While I was in chat, two more charges were attempted on my Apple Card to XXXX XXXX XXXX XXXX. The rep told me not to worry. They would credit my account. On XX/XX/XXXX, I received notice from Goldman Sachs that they have resolved the dispute in the merchant 's favor. I called Goldman Sachs, XXXX reviewed the ship-to address for the {$240.00} XXXX XXXX XXXX XXXX order. XXXX confirmed that it did not ship to my address.
Company Response:
State: WI
Zip: 54115
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A