Date Received: 2020-12-14
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: Goldman Sachs Bank, doing business as " Marcus by Goldman Sachs, '' denies me access to the {$15000.00} I deposited into my new certificate of deposit. I opened this CD on XX/XX/2020. The next day, I endorsed and mailed a {$15000.00} check to the Illinois mailing address specified in the Account Agreement. That check CLEARED on XX/XX/2020. When the funds had not showed up my new CD by XX/XX/2020, I contacted Goldman Sachs Bank. It denied having received the check. I continued to contact Goldman Sachs Bank over the past 2 weeks, but it still denies having received the check and still has not credited my account. The cleared check demonstrates Goldman Sachs Bank has misappropriated my funds.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-12
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: Goldman Sachs issued me an apple credit Card through an XXXX account I had separate on my XXXX. XXXX was stolen and i called right away to report it. Unable to retrieve it I endured unauthorized charges to which the company couldnt explain yet Im being billed continuously monthly for charges that are not listed on my bank statement or that they can explain. They told me they cant access the transactions and only I could do it through an XXXX account I cant get into. This being said, they offered to mail me the itemized statement. I received an itemized statement with no charges shown but a total amount of {$430.00} to Be paid. They wont dispute or close my account
Company Response:
State: CA
Zip: 93021
Submitted Via: Web
Date Sent: 2020-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-12
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: Apple credit card managed by Goldman Saks was used to purchase Apple MacBook Pro 13 '' notebook on XX/XX/XXXX at Apple Store online. The amount was {$1600.00} and {$150.00} sales tax as 2 separate transactions. An order was never created. Apple Customer Care admitted that it is a known problem happening for a new Apple credit card but was assured that these 2 charges would be automatically dropped from my account in 2-3 days. These are still active charges after almost a month, and a number of calls between Apple Store Customer Care and Goldman Saks Support managing this card for Apple did not address the issue. Only yesterday after I escalated issue at Goldman Saks Apple Card Support its manager XXXX finally admitted that it is a known problem for this card. She created a case # XXXX on XX/XX/20 to remove these 2 charges. But when I asked when these illegal charges would be removed she put me on along wait to consult somebody else, and returned back saying it would take another 30 days to investigate this contradicting that she clearly saw that no order was associated with these 2 charges. She neither sent me email about this issue nor would send me mail about it. Currently there are 2 charges : {$1600.00} and {$1700.00} I used this card for a recognized {$1600.00} charge. {$150.00} is interest charge from that not created by Apple Store order.
Company Response:
State: NY
Zip: 11209
Submitted Via: Web
Date Sent: 2020-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Sent payment on XX/XX/XXXX for XX/XX/XXXX due date. It was deposited in Goldman ( for Apple Card interest free purchase ) account on XX/XX/XXXX ( have copy of check ). Ive chatted, sent copy of deposited check and called 3 separate times and Im receiving late notices still today. They keep apologizing but nothing gets done.
Company Response:
State: NJ
Zip: 07840
Submitted Via: Web
Date Sent: 2020-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX has been ignoring my calls for a investigations into fraudulent accounts. Each tome i call they hang up and or tell me they cant find the documents i have submitted. Each time i file a CFPB complaint they reply with " this is not you ''
Company Response:
State: CA
Zip: 92614
Submitted Via: Web
Date Sent: 2020-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-05
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Saw an ad for the Apple Card from Goldman Sachs. Advertising is incredibly deceptive regarding impact to credit bureau ( ie hard inquiry ). Nuanced footnote between the notion of applying ( as in filling out the application ) versus accepting the card. I have images I can send.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2020-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I transferred XXXX on XXXX/XXXX/XX/XX/XXXX At XXXX pm to XXXX account XXXX and XXXX told Goldman Sachs USA that they did not see it, with me on the same line. They then said I didnt have it after they got caught and I said yes I did I told them my balance and he then agreed and hung up on me. They told me they sent the transfer and then stole it.
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2020-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-03
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: on 'black monday ' - XX/XX/2020 - received an email solitication from XXXX to purchase and XXXX XXXX or newer with Apple credit card and receive a {$50.00} XXXX gift card. there were no other noted restrictions. I called Apple customer service at ( XXXX XXXX XXXX ) to clarify terms and see if the gift card could be applied to the purchase price. I was *clearly* informed that an XXXX XXXX would qualify and I could only apply gift card if I selected the 24mos pymt plan. I then went online as the representative advised, ordered the phone and used apple credit w/ the 24 mos pymt term. Part of the selection process was to choose carrier type or unlocked phone. There were no notices that not selected 'unlocked ' would result in not receiving the promo. I was told I'd receive the promo gift card as an email 24hrs after pickup. I then picked up the phone in an XXXX store and asked the representative in the store on XXXX2020 about the gift card. On Thursday, XXXX/XXXX/2020, I called XXXX XXXX XXXX to follow up on the gift card and was told today that I was 'ineligible for the promotion because I selected a carrier phone vs. an unlocked phone '. This was deceptively advertised, not clearly stated and I spoke with several representatives on the 800line and in store that did not indicate this would be cause not to receive the promotion.
Company Response:
State: NC
Zip: 28117
Submitted Via: Web
Date Sent: 2020-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-02
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 purchased items on XX/XX/2020 online with XXXX XXXX. Merchant stated item would be sent out within a week. Cancellation can be requested if they do not ship out within 25 days. On XX/XX/2020 I emailed merchant requesting cancellation since 25 days had elapsed. They did not respond or acknowledge my request for cancellation. On XX/XX/2020 the items were received by me, which I did not want at that time. I emailed merchant, again no reply. I contacted Apple Card to open a dispute, and Apple Card told me that they would not open a dispute unless I send the merchandise back. So on XX/XX/2020 I sent the items back to the merchant, and they were received on XX/XX/2020. At this point Apple Card was investigating my dispute, but 2 months later aided with the merchant with the decision that I had made the purchase. I reopened my dispute, stating I had cancelled my order, returned the merchandise per Apple Cards guideline for opening a dispute, and at this point I just want me money back. Per the merchants website, refunds are not given unless the stated shipping time has elapsed ( 25 days ) or you have received the product ( which was almost 2 months ). Also per their website, they wont refund purchase unless its within 30 days, which is completely ridiculous since they dont plan on sending merchandise until at least 25 days after order date. I have already filed a complaint with the New York XXXX against this company, and last I checked their website is no longer active. Apple Card has repeatedly sided with the merchant, refusing to acknowledge the deceptive shipping/refund policy of the vender, as well as the fact that I tried in good faith to cancel my order per the websites stated shipping policy. Instead, Apple Card insists I made the purchase, and they also insisted I return the merchandise before they would even consider opening a claim for my dispute. So I feel like Im being mislead and treated unfairly. Im tired of dealing with this matter and having the same decision even though I have returned the merchandise and tried to work within all stated policies.
Company Response:
State: CA
Zip: 913XX
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-02
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I've applied for an Apple Card provided by Goldman Sachs, multiples times, but each time I've applied ( through the XXXX XXXX app on my XXXX ), I've been denied. On a constant basis, I get e-mails and ads from XXXX suggesting the I apply for an Apple Card. Each time that I launch the XXXX XXXX app on my phone, a message pops up to suggest that I apply for the Apple Card. These ads pop up all over my XXXX whenever I attempt to complete a financial transaction or use the wallet. I shouldn't be bombarded with these ads from Goldman Sachs in reference to the Apple Card if they are not going to actually give me the card. Because this company is partnered with Apple for this venture, I shouldn't have to keep getting these constant ads for something they are not allowing me to have, each time I use an app on my phone.
Company Response:
State: GA
Zip: 304XX
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A