Date Received: 2021-01-19
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Goldman Sachs is letting XX/XX/XXXX break their agreement with the users.
Company Response:
State: PA
Zip: 160XX
Submitted Via: Web
Date Sent: 2021-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-18
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XXXX XXXX, I applied online for an Apple Card. The advertising said that the inquiry wouldn't affect my credit score, but accepting the offer would. On XXXX XXXX, I checked my XXXX XXXX account and XXXX lowered my credit score by 5 points due to an inquiry by GS Bank. I did accept the offer. However, XXXX is lowering my credit score due to the inquiry, not due to opening the account. I contacted Apple Card customer service and they couldn't help. I have attached a copy of the advertising language and the XXXX explanation of the credit score inquiry as being due to GS Bank Inquiry.
Company Response:
State: FL
Zip: 33141
Submitted Via: Web
Date Sent: 2021-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-13
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I called and closed three of my CDs with Marcus by Goldman Sachs on XX/XX/2021. Two accounts totaling approximately $ XXXX were closed and the funds were returned to me. It should be noted that promised wire transfer dates were not adhered to and required my constant follow up. As of XX/XX/2021 a third account has not transferred on promised dates even with follow up on my part. XXXX is will promptly open an account but will does not respond well to requests for account closures. I had a medical emergency that I required my funds for and XXXX was completely unsympathetic and unsupportive of needs. Never again will they receive a single XXXX of my funds.
Company Response:
State: NJ
Zip: 07470
Submitted Via: Web
Date Sent: 2021-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-12
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Since XX/XX/2020 to Present I have been dealing with fraud on my credit card. Goldman has changed my card number over 5 times and I still get hit with the transactions. I have spent hours on the phone with Apple card support, over the last few months trying to rectify the situation. Merchants are able to charge my new card number after Apple card support changes my card. Customer service and I have confirmed that Goldman is forwarding the transactions but are unable to stop it. There is a complaint in since XX/XX/2020 with no resolution. As of tonight I have been changed another fraudulent charge.
Company Response:
State: NY
Zip: 11354
Submitted Via: Web
Date Sent: 2021-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-11
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: Made several in-app game purchases using the credit card. Learned recently that the game was hacked also noticed several duplicate charges on my credit card. Reached out to the game provider and app store and they did not refund me. Requested credit card to dispute all such transactions. They disputed only a fraction of transactions up until XX/XX/2019, whereas the Transactions and duplicate charges go way back to XX/XX/2019.
Company Response:
State: WI
Zip: 53154
Submitted Via: Web
Date Sent: 2021-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Goldman Sachs USA Bank never deposited my XXXX Payroll check today. They stole my XXXX payroll check that was supposed to be deposited today for XXXX.
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2021-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-09
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I have reason to believe that Marcus by Goldman Sachs is engaging in predatory lending. The reason for my beliefs is that I recieved a loan from them a couple of years ago. At the time they gave me the loan they did not tell me that they were going to charge me an outrageous amount for the interest. I have paid over {$5800.00} on a XXXX loan and I still owe them XXXX. I have communicate to them that I am having diffuculties making the payment they want of XXXX a month and instead been paying XXXX a month. The have retaliated by damaging my credit to the point of my credit being unfavorable. Can you please assist me with getting them to lower the interest on my loan and allowing me to pay XXXX month due to the pandemic. Thank you.
Company Response:
State: FL
Zip: 33029
Submitted Via: Web
Date Sent: 2021-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-07
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I asked XXXX to transfer my money from XXXX XXXX account to Goldman Sachs USA in the amount of XXXX and instead they stole the XXXX, them pulled negative XXXX then reversed the negative XXXX in their system without ever giving it back to the external account thereby leaving it negative.
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2021-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-05
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/20, I discovered my credit was charged for {$170.00} at XXXX in XXXX. I live in XXXX, the geniuses at Goldman said I made the transaction but provided no evidence. I did not make this charge! My wallet was lost/stolen.
Company Response:
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: company has committed fraud pursuant to 12usc 1431 because they are not authorized to issue credit only debt. also the alleged credit card does not meet the definition of a credit card In accordance with 15 usc 1602 ( I ) and according to 15 usc 1602 ( g ) the bank does not meet the definition of a creditor
Company Response:
State: NY
Zip: 11212
Submitted Via: Web
Date Sent: 2021-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A