Date Received: 2020-10-13
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I transferred XXXX from Goldman Sachs USA to my external linked account on Sunday and it was processed on Monday and completed on Tuesday and I received an email stating this at XXXX XXXX. I checked the external account and it never arrived as instructed or promised in my account. I want to report bank misconduct under cfpb and fdic laws. I want the money that was not disbursed as instructed.
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2020-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have submitted complaint through this platform once already and gotten no resolution from both the creditor and the credit bureau. The account by Goldman Sachs on my credit report is an account that was opened fraudulently and now I am a victim of identity theft. I have tried tried to fix this with both the creditor and the credit bureau. While both companies have made no effort to resolve this I am having to submit other complaint. I received information from the creditor that the proof that they have that this account belongs to me is based on a phone number that it is not mine, an email address that is not mine and an IP Address that is not mine. I have have sent both the creditor and credit bureau supporting documents showing that this account doesn't belong to me. I have sent a copy of my phone bill which has a different number than this creditor has on file. I have sent a copy of my email address information which has a different address than what the creditor has on file and contract that shows i've had this email address for over 15 years. I have sent a copy of my IP Address from both my cell phone and personal computer and this shows a different IP Address than the creditor has on file. I have also filed a police report and identity theft report with the FTC in addition to all of the other documents that I have sent. I find this outrageous and completely illegal because all of this evidence that I have provided clearly shows that this account doesn ; t belong to me and that someone stole my identity in order to defraud this creditor. Neither the creditor nor the credit bureau are following the law and are totally violating the Fair Credit Reporting. My next step since I am running out of options is having to file a lawsuit against both the creditor and the credit bureau. This is affecting my credit negatively and I am trying to purchase a new vehicle and so this is absolutely affecting my life and it needs to be resolved immediately.
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-07
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 & Goldman Sachs have failed to address their mistake that has impacted me. I followed up to dispute a transaction on my credit card. It has taken 6+ tries to get this addressed. This has been going on for months. Initially the attempts I made to follow up would eventually get disrupted by letting me know I was being transferred only to find out they were no longer transferring me. This happened 5 times in a row. I was following up consistently and this process was inefficient. When I finally thought this was addressed Apple tried to charge me the {$300.00} transaction several months later. There was no given explanation why they moved forward with this. When I tried to follow up they said they emailed me requesting for further evidence, which I gave them on my own accord previously. They said I needed to respond to the email they sent requesting this. I asked for the date the email was sent because I received no such email. They could not provide the date. Now I'm in the process of trying to get this addressed. I asked to speak to a supervisor otherwise to get transferred to the dept. to close my account. They kept stringing me along until I said if I'm not transferred I'll take this as a threat you're holding me hostage as a customer when you can not help me nor do I want to be your customer. I was unable to close the account at this time because they are unable to address the charge that was already settled in XXXX. I informed them this was fraud that they kept trying to charge me for something that was previously addressed. I was told a supervisor would call me today at the latest XXXX XXXX. I have not received a call and have emailed Apple once again. I am unsure of how to proceed because they are passing the buck and are trying to tire me out from following through or something.
Company Response:
State: CA
Zip: 94403
Submitted Via: Web
Date Sent: 2020-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. XXXX XXXX
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-07
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: I open a 18 month CD on XX/XX/XXXX which matured in XX/XX/XXXX. The Certificate rolled over for a 1 year term to expire on XX/XX/XXXX automatically. I want to put this money in my savings account instead. The company advertises a grace period on the web ( See Below ). I have call several times and spoken with at least 3 different people including today. They claim that if I close the CD I will have to pay an early withdrawal fee. Please bear in mind that as of today XX/XX/XXXX and by their words below from their " frequent ask questions '', I am still under a 10-day grace period and I am choosing to " Withdraw Balance without Penalty '' as indicated below. But because they are insisting on charging me a fee to withdraw I feel obligated to leave the money on the account. This for all intent and purposes is fraudulent advertisement and complete disregard for customers rights. WebsiteXXXX XXXX XXXX XXXX general What are my options when my CD matures? We will notify you via email before your CDs maturity date. There is a 10-day grace period following your CDs maturity date, during which you have a few options : withdraw balance without penalty ; renew your CD with the same term ; or, close your CD and open a new one with a different term If you do not contact us within the 10-day grace period to take any action, your CD will automatically renew for another term.
Company Response:
State: NJ
Zip: 07407
Submitted Via: Web
Date Sent: 2020-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-07
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2020 at XXXX XXXX I ordered a wire transfer from Goldman Sachs USA bank. Before the XXXX cutoff for same day delivery. A representative by the name of XXXX, at the Utah service center gave me the case # XXXX. At XXXX XXXX I checked to discover it was NEVER received on my end. I contacted management and they said I should have it by XXXX XX/XX/2020. I still NEVER received it. They tried to process two transactions and steal one instead. While only informing me of one being delayed. I Never received any completed transactions. The representative was also very argumentative.
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2020-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-06
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 I purchased an Apple XXXX XXXX online through XXXX XXXX and paid using a newly issued Apple Card ( Goldman Sachs ). On XX/XX/XXXX, the XXXX XXXX was returned to the XXXX XXXX for a full refund - and I received proof of full refund from XXXX XXXX for the phone, XXXX XXXX monthly subscription, taxes and fees for a total refund of {$540.00} that was supposedly credited back to my Apple Card according to XXXX XXXX. To date, Apple Card ( Goldman Sachs ) continues to illegally charge me monthly installments of $ XXXX/month for the iphone, apple care and taxes despite my repeated formal requests to dispute these charges. Apple Card has failed to honor the dispute or recognized the full refund credited back to my Apple Card on XX/XX/XXXX. XXXX XXXX has also failed to assist with rectifying this situation.
Company Response:
State: CA
Zip: 90266
Submitted Via: Web
Date Sent: 2020-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-05
Issue: Struggling to pay your bill
Subissue: Problem lowering your monthly payments
Consumer Complaint: APPLE/Goldman Sachs is not sending billing statements except through the mobile wallet. If you close the card and remove it from the wallet, you can not get a bill. They did not notify me that i was late for over 30+ days. They can not find PDF statements from XXXX or XX/XX/2020, only XXXX and XXXX based on phone calls on XX/XX/2020 and XX/XX/2020. This is affecting my credit report. This is causing me to get fees and finance charges unbeknownst to me. None of this is disclosed up front. I closed the account months ago and paid the outstanding balance so I thought I was done. I closed the account because they would not waive a 1st time late fee for one day late because I didn't hit the final payment button on my phone the prior day. They can't tell me what day i closed the account. they do not keep good records.
Company Response:
State: OH
Zip: 43040
Submitted Via: Web
Date Sent: 2020-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-05
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: This concerns interest charges that are being applied to my account, and which contradict the advertised interest rate ( i.e. no interest ) for which I was qualified and for which I was approved at the time the device was purchased using the XXXX Card credit card. Below is a summary timeline of the transaction. XX/XX/2020 : I purchase the XXXX XXXX XXXX from the XXXX XXXX at XXXX using the XXXX Card, and opted for the 24-month installment credit option. XX/XX/2020 : I contacted XXXX to obtain support because the phone would not successfully complete the second SIM card set up. XXXX directed me back to XXXX. XX/XX/2020 : After unsuccessfully trying to configure the device at the XXXX retail store, I returned to XXXX to request a refund as I was frustrated. At that point, the manager directed an associate to switch out the hardware. The XXXX associate refunded the original transaction, and then completed a new sales transaction using my XXXX Card details. The new hardware worked as expected. Since those transactions were completed, it has come to my attention that my Apple Card account is charging interest, and it is not on the 24-month interest-free installment plan that I thought I was getting. All indications suggest that the XXXX sales associate who processed the return on XX/XX/XXXX, did not set up my purchase the way the original purchase was done, thus causing my account to be subjected to interest charges.
Company Response:
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2020-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-05
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Saturday XX/XX/2020 closed my account, and transferred money out of my account at Marcus goldman Sachs. Been on the phone with them everyday, and long hold times, no one there knows why the account won't close or why the money will not transfer
Company Response:
State: MT
Zip: 59102
Submitted Via: Web
Date Sent: 2020-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A