Date Received: 2020-11-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2020, APPLE CARD/GS BANK add a hard inquiry on my credit report per XXXX. On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2020, XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX and XXXX.
Company Response:
State: KY
Zip: 40218
Submitted Via: Web
Date Sent: 2020-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Marcus by Goldman Sachs denied me access to the availability of deposited funds when sent to them from the Federal Government. On XX/XX/2020 The Federal Government deposited a payroll check to my Marcus by Goldman Sachs account. Marcus by Goldman Sachs employees then tried to transfer it out without me knowing this, and wait for me to receive a 2nd payroll check while denying me the 1st check that was sent/deposited. I want to report this now. My job provided proof it was sent at the same time ( simultaneously ) I received another deposit ( 3rd ) from another external source for XXXX dollars.
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2020-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I am filing a complaint against Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX. The bank is the issuer of my Apple Credit Master Card ending in XXXX. The credit limit set was {$3000.00} I have been using the card for purchases and services charges and in my first month I have Charged {$5300.00} and made electronic payments in the amount of {$4700.00}, so currently I should have a balance of {$630.00} and available credit to spend of {$2300.00} XX/XX/XXXX : {$4.00} Posted Immediately XX/XX/XXXX {$360.00} Posted Immediately XX/XX/XXXX {$1600.00} Posted ( After I called in Customer Service 2nd day ) XX/XX/XXXX {$2500.00} Did not Post The bank posted my first two payments immediately. Third payment did not post until after I called in the second day and the representative informed me that they usually would hold the payment for 3 days for my protection, in case I made it in error! The last payment did not post, and when I called in I was told it will not post until XX/XX/XXXX! I asked why and was told that it usually takes 7 to 12 days to " process payment!!, When I told them that the previous customer service representative had told me 3 days and now you are telling me 7 to 12 days, and if that is in the credit card agreement, the supervisor told me YES it is and she will send me a copy of the agreement. Upon reviewing the Card Terms and Conditions agreement ( copy attached ), under When We Credit Your Payment section on Page 10/19 ( copy attached ), The bank terms state that they will credit my account the next day. In the section below, the bank reserves the right to withhold credit availability of payments for a period of time, which is not qualified or quantified. I can understand if the bank is having a problem with the customer and is looking to reevaluate the credit availability, but when a customer is making payments in full before time, with no credit or payment problems, and when the payment funds have been deducted from my account, the payment should post immediately. We can accept 1 day or -on exception, 2 days processing, but 12 days to process payment is stretching it. This is unfair and violates the terms of the credit card agreement.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2020-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-23
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: This is my second complaint about Goldman Sachs for the same reason. With a clean credit report and a credit score of XXXX I should not get denied an Apple Credit Card. They did NOT address the issues. I've called them several times to speak to someone and they give me people who do not have access to my report. XXXX called me back onXXXX and left me a message. I could not get back in touch with her because she only left the main number. I've called on XX/XX/20 & today XX/XX/20 at XXXX XXXX and they are not able to help. My information is obviously getting crossed with someone else 's. I called the credit company XXXX and there is nothing wrong with my report I went over it with XXXX line by line and it is clean. But, Goldman Sachs says I have three different issues. All outlined in my previous email complaint, all are not correct and not in my credit report. They are canned responses that they sent, not relevant to my credit report. Please take a look into my CORRECT report as you will see it is clean. This is obviously a big mistake.
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2020-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-19
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: Hello, In XX/XX/XXXX, I opened a 12 months CD with Marcus by Goldman Sachs. Unfortunately, due to an unexpected circumstance, I will need to break the CD before its maturity date on XX/XX/XXXX. I called to find out what is the penalty that I will need to pay. Surprisingly I found that the penalty amount I need to pay will be higher than the total interest paid to me so far. This is an unfair practice as GS earned interest already on the money I deposited. However, as a penalty, they are charging me also for future interests they could have earned. The bottom line is that I am going to get less than the actual principal amount I deposited. I would appreciate any help to ask GS to reconsider the penalty amount to be more responsible and fair. Best, XXXX XXXX
Company Response:
State: CA
Zip: 94002
Submitted Via: Web
Date Sent: 2020-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/20 I made a purchase at XXXX for {$2800.00}. After shipping delays, I received the wrong item before receiving the correct item and returned it on XX/XX/20 back to the XXXX XXXX physical store XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I was promised a refund. None has been issued to me. XXXX XXXX has a record of my return. I filed a dispute with Apple Goldman Sachs card due to no refund. Apple Goldman Ssachs has failed to investigate this matter instead just simply telling me different reasons over the last 6 months why this charge was valid. They have failed to listen, to document, and to investigate this matter. Per federal regulations, did not acknowledge my complaint in writing. The credit card company is legally required to investigate the dispute and resolve it within 90 days after receiving the claim. I filed the claim on XX/XX/20. I have not received any letter from them and any details to their investigation. They are way past the 90 days. They have reapplied the amount to my credit card and every-time I call I receive a promise of a manager to call me who never does. This is why I am reaching out to the FCPB and requesting your help to recover the original {$2800.00} and the penalty in the same amount for a total of {$5700.00}. Please note Apple has denied to give me my card number and you habe to look me up via my SSN XXXX. Card info : Apple Card - No Fees apply.applecard.apple/ issued by Goldman Sachs
Company Response:
State: CA
Zip: 94520
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/XXXX I applied for an Apple Card backed by XXXX XXXX using an old XXXX that I own and use for app purposes. I was " approved '' with a credit limit of {$1500.00}, and a physical card was mailed to me, which I received and activated on XX/XX/XXXX. The following day I attempted to use the card to make an online purchase of {$640.00} for a new phone at the XXXX XXXX online. I received a notification on my XXXX to authorize the purchase - which I did - but then the purchase was declined. I thought perhaps the online merchant ( XXXX ) was attempting to process the transaction using my old address, and corrected my info and attempted to try the purchase again, which was again declined. I contacted Apple Card support in chat, who assured me there was no issue with my card or account, and suggested I try again - which I did - and was again declined. I decided to just use my XXXX XXXX card, and finished the chat with the Apple Card representative, who informed me my account and card were fine to use. On XX/XX/XXXX I had a voicemail from Apple card support asking me to call. I called back that same day and they were unable to tell me why they had called, and after being transferred to 3 different representatives one agent thought maybe it was to confirm my phone number - which I did - and that was that. Nobody informed me of any account issues. The next day, on XX/XX/XXXX, I once again missed a call while working from Apple Card support asking me to call back. I called back again, and again was told they had no idea why I was being called. Today, XX/XX/XXXX, I logged into my Apple Card account and there is a message that my account is " blocked from new spending '', and to call Apple Card support. I promptly did and the agent had no information for me, could only tell me my account was now " under review '', and had no idea when/if someone would call me back, with no resource for me to reach someone about this. I am upset that Apple Card offered me incentives to apply for the card with balance transfers, zero interest, cash rewards ... etc, pulled my credit report which resulted in an inquiry, approved me, sent me a card, and within 10 days has blocked it without ever having made a purchase - and has no method for me resolving whatever issue it is they have.
Company Response:
State: OR
Zip: 97401
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XXXX XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report per XXXX and XXXX. On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX and XXXX. On XXXX XXXX, 2019, GOLDMAN SACHS BANK U add a hard inquiriy on my credit report per XXXX.
Company Response:
State: PA
Zip: 17011
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-17
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: Goldman Sachs is being discriminatory against me as a XXXX year old XXXX male. I have been approved for the Apple Credit Card twice, I have sent in my documents, I have answered questions related to my credit report, I have done everything to identity myself. Goldman Sachs still denies my application for " unable to verify identity ''. I asked if I could send my docs by mail or even send an email. They refuse to accept my identity unless it comes from an XXXX with a higher quality camera than my old XXXX XXXX. Basically, Im young, XXXX, with good credit, and willing to send whatever information to verify my identity but Goldman Sachs refuses to give me the ability to verify my identity. I have already been notified by Goldman Sachs twice, both time saying I was approved. Only to later snatch the hope away from me with word later that I was unfortunately denied. I can not afford a new XXXX, they must accept documents via fax, mail, or email to allow me to verify myself. Making an XXXX which is not in my budget the only way to verify my self is extremely illegal and XXXX on Golman Sachs behalf.
Company Response:
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2020-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Disputed multiple transactions to Goldman Sachs and they didnt even take a look at my request.
Company Response:
State: CA
Zip: 94577
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A