Date Received: 2023-11-29
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I have contacted my local police department and filed a criminal complaint about credit card fraud and identity theft. This credit card account by marcus GM goldman and sachs credit card was opened fraudulently using my identity. I am a victim of identity theft and fraud. Goldman Sachs refuses to close credit card account because they think I opened it when my identity was stolen. I have taken all the correct steps but Goldman Sachs refuses to close out this fraud account. Please help remove and delete this account permanently. I am a victim of fraud and identity theft.
Company Response:
State: WA
Zip: 98362
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Apple Card fraudulently opened a credit card in my name. I am a victim of identity theft. I notified the police and received a police report. I sent that police report to Apple Card and Apple Card ignored my complaint and offered me no further assistance. Apple Card is violating my rights and condoning fraud.
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Trouble accessing funds in your mobile or digital wallet
Subissue:
Consumer Complaint: XXXX didnt publish my add, and will not allow me to refund my {$3200.00} balance. It says I need to request it through Apple Pay, but Apple refuses to refund it back to the Apple Card. Both these large companies are holding my money and neither will refund and theyre just pointing at each other. I just want my funds back since they wont give me the service.
Company Response:
State: OK
Zip: 730XX
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: GS Bank US- XXXX {$1700.00} Inaccurate balance and history reporting on credit account this item does not belong to me and I request to have this inaccurate item blocked and removed immediately from all credit reporting agencies
Company Response:
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Problem when making payments
Subissue:
Consumer Complaint: Hi. I was having difficulty making monthly payments. Goldman offered a payment plan and was suposed to take pmts automatically. I was taking care of other debts and didn't realize they were not taking money until I got a notice stating it was sold to a collection agency. I was confused because I didn't receive any notifications from Goldman. I continuously asked why they didn't set it up and no answers. I recently received a check from them for {$270.00} for a good will credit for not processing my account correctly. This does not resolved the damages. XXXX, a collection law firm, has entered a judgement against me as well for this. If the auto pmts were set up the series of events would not have took place.
Company Response:
State: FL
Zip: 32244
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX I made a minimum payment due for {$110.00}. XXXX XXXX My ACH filed which was unaware to me. XX/XX/XXXX, XXXX I made two payments for {$250.00} and {$16.00} totaling of {$260.00}. XX/XX/XXXX, XXXX I made another payment for {$130.00}. I have a late payment report for XXXX for 30+ days late which was only two weeks late when the payment was made.
Company Response:
State: TX
Zip: 76542
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I applied for an Apple Card but was initially denied. I was then offered to start on the path to the Apple Card program through Goldman Sachs. I completed the program and applied for the Apple Card and was accepted. The first time I tried to use the card was in XXXX to make a purchase and it was denied. I contacted the company and the only thing they would tell me is that my account was under a restriction and that someone would be in touch with me. I tried contacting them again a couple of months later and was told the same thing. I looked at my wallet app on the XXXX and it still says the same thing. I remember hearing in the news about a month or so ago that Goldman Sachs is trying to offload the Apple Card to another company. I have read on the internet that a lot of people have had this problem with no resolution ever happening.
Company Response:
State: OH
Zip: 45211
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I hope you are doing well as I write this. I'm writing to express my worry about the recent late payments made to my credit card company. I sincerely ask for your help in reviewing my account and appreciate your quick attention to this subject. Over the past few months, I have experienced unforeseen financial challenges that have impacted my ability to make timely payments on my credit card. I take full responsibility for the late payments and understand the negative consequences they may have on my credit history. I value my relationship with the Credit Card Company and have been a loyal customer for years. APPLE CARD/GS BANK USA XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the APPLE CARD/GS BANK USA customer service representative XXXX I am reaching out to request your understanding and consideration in removing the late payment entries from my credit report. I assure you that this situation is temporary, and I am actively working to improve my financial stability. I have taken steps to address the challenges I faced, and I am committed to ensuring that my payments are made on time moving forward. Thank you for your understanding and cooperation. I look forward to hearing from you soon.
Company Response:
State: CA
Zip: 90047
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
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: A fraudulent charge appeared on my credit card. I reported this to Goldman Sachs. They reversed the charges and said they would send information about the charges. I do not have any knowledge of the charges listed as IN * Student Mentorship for {$250.00} and XXXX, which were charged to my card on XX/XX/. I have never had any interaction with this vendor. I have not received any mentorship services from any vendor nor have I ever received services from any vendor providing student mentorship services. I dont believe IN * Student Mentorship are a real business. I contacted Goldman Sachs again on XX/XX/. I sent a letter on XX/XX/, which apparently did not reach Goldman Sachs. The Apple website lists an incorrect website for such disputes, apparently. So, I tried again. I asked Goldman Sachs for a file regarding the fraudulent charges made in reference to the dispute listed above. This is my fourth request for you to provide this information. To date I have not received any substantiation from you that a valid charge took place. I provided a fraud report to the FTC Report Number XXXX. Goldman Sachs ' case manager called on XX/XX/XXXX to say that I needed to prove that I had not made these charges. If you XXXX : " In * student mentorship '' no results are presented. I have no emails, texts or phone calls from this merchant. I was told that I made these charges with my phone in person. My phone was never outside of my control on XX/XX/. I have asked for evidence that merchant has a valid account with my name, including : receipts, tracking numbers, or written interactions with the client.
Company Response:
State: NY
Zip: 10012
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
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: Apple Card/G & S I have contacted several times through their Apple support which is completely useless about fraudulent activity and transactions from XXXX to XXXX of hundreds of dollars for A Bingo game purchases. They have declined my request for refund and ignored my complaint for fraud.
Company Response:
State: FL
Zip: 32712
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A