Date Received: 2020-10-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I was trying to get money out of my digital wallet from Apple and I was sent through an UNWANTED application process for their credit card. I didnt want credit! I just wanted my balance. I knew Id get denied. But really? I just wanted my funds. Someone should look at the process to get to your apple funds. You shouldnt be sent to the card application process when you just have a balance that you want access to. Lets say UDAAP. Lets also say also so many access to funds. Would that include Reg CC?
Company Response:
State: MO
Zip: 64012
Submitted Via: Web
Date Sent: 2020-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My job at the XXXX just dropped my payroll check into my account and my bank did not think I knew so they keep trying to slide it out before I can verify that it is there. Some of the employees are biased against XXXX and as a result they keep trying to steal their deposits at Goldman Sachs USA. They are also doing a mass layoff so those fearing this are stuffing their pockets with anyones money they believe an oversight wont notice
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2020-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-02
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 recieved a total of five fraudulent transactions on my Apple Card ( Goldman Sach 's Mastercard ) between XX/XX/2020 and XX/XX/2020. These charges are as follows : 1. XXXX, XXXX, AZ for XXXX on XX/XX/2020 2. XXXX, XXXX, AZ second charge for XXXX on XX/XX/2020 XXXX. XXXX XXXX XXXX and XXXX XXXX, XXXX, AZ for XXXX on XX/XX/2020 4. XXXX, XXXX, AZ for XXXX on XX/XX/2020 XXXX. XXXX, XXXX, AZ second charge for XXXX on XX/XX/2020 After numerous conversations via chat and by phone, all charges were credited due to fraud except for the second XXXX charge made at XXXX on XX/XX/2020. The company is stating the vendor provided evidence that the charge was valid. This is impossible because I have never been to XXXX, and was in XXXX for these days as shown by other charges on my statements. The first charge from XXXX was indeed deemed to be fraud, but they refuse to acknowledge the second charge for some reason. I requested the information used in the investigation as shown in the attached chat transcript with Apple Card support, was told they would provide it, and never did. I refuse to pay for a charge when it is obviously fraud, I can prove I was across the country when it was made, and all other associated charges were already proven to be fraudulent.
Company Response:
State: TN
Zip: 37664
Submitted Via: Web
Date Sent: 2020-10-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: 1. I scheduled a payment of {$440.00} to pay off my XXXX balance. But on XXXX, I found two transactions on my bank account, both of them are {$440.00} and charged by Apple Card , which means I am being charged twice without my authorization or acknowledgement. It is a serious violation. 2. When I disputed it with Apple Card customer service, they said they will refund me, but refused to explain any details or admit the mistakes. On XXXX, I found out my card balance somehow increased from {$230.00} {$700.00}. But since I paid off everything before XX/XX/XXXX, the current balance should be my XXXX spending which is {$230.00}. So I tried to contact Apple Card to fix it. But they can not find out the problem. It is a violation again!
Company Response:
State: NY
Zip: 11238
Submitted Via: Web
Date Sent: 2020-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-02
Issue: Money was not available when promised
Subissue:
Consumer Complaint: On XX/XX/2020 at XXXX XXXX I wire transferred XXXX from Goldman Sachs USA. I usually receive Them The Same Day, so when I checked back to find out why it was Delayed they said a jealous employee Reversed it trying to steal XXXX from me
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2020-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-30
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My husband and I opened an online savings account on XX/XX/2020. I promptly downloaded the app to use the account online. We went through the process of linking my other external bank account to the Marcus account and transferred {$100.00} into the account. We then transferred {$1000.00} into the Marcus account from our currency exchange account from the sale of our home in the XXXX. Then I transferred {$100.00} back to my external checking account and all was fine. We then transferred {$16000.00} into the account from our exchange account. The next time I logged into my online app, it said my account was locked. I called their help line and was transferred to three different agents who eventually stated they would send an affidavit for me to verify my identity because I couldn't pass a credit history based questionnaire. After 3 weeks, the affidavit did not arrive and I called them again. It was sent to a street address but it needs to go to a po box . After some struggle, they agreed to resend it to the PO box . It's now been 3 weeks again, and it had not arrived. Trying to communicate with them is very difficult due to the agents not speaking English and always needing to put me in hold to ask someone else for advice on how to proceed. They refuse to return my money, give me an explanation of why it was locked in the first place, or provide timely, meaningful help to resolve this in a professional, safe and expeditious manner. This is unacceptable when dealing with someone's life savings.
Company Response:
State: WY
Zip: 829XX
Submitted Via: Web
Date Sent: 2020-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I applied for a credit line increase with Goldman Sachs Apple Card. I received an email stating I was declined because of Serious Delinquency on my credit report for XXXX. So I called and asked for another review. They stated there must be a delinquency Im not seeing on my XXXX report. I called and opened up a XXXX account to review my report. It states no serious delinquency in the past 7 years. I have been approved for increases on other cards but not with Goldman Sachs.
Company Response:
State: AL
Zip: 35022
Submitted Via: Web
Date Sent: 2020-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-23
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I ordered a emergency wire transfer this morning at XXXX XXXX and it never went through. It is now XXXX. The customer service agent is not doing the right thing.
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2020-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-22
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: So on XXXX XXXX I decided to get XXXX using Apple Card with their finance options, but I had to cancel my order because I changed my mind on the model and I ordered a different model. Initially I paid {$8.00} for expedited shipping and it was charged on my Apple Card XXXX XXXX. I saw the pending charge of {$8.00} and didn't think the pending charge would be on the account longer and it will fall out. It's been 3 months and I have reached out to Apple Card numerous of time and countless hours. I now understand no one is competent to handle my situation and they keep brushing me off, cause they can not find the solution. I have been told different dates that my problem was going to be solved, some said 3 days, some 5, some 10 and some even 90 days. I'm very frustrated as this is not my fault and I have to call them from my time and spend hours going through this ordeal.
Company Response:
State: PR
Zip: 009XX
Submitted Via: Web
Date Sent: 2020-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-20
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 noticed six separate charges for {$25.00} each on XX/XX/XXXX that were not initiated by me. I contacted both the card issuer and merchant later the same day to dispute those charges. The merchant marked the charges as fraudulent and the card issuer opened disputes on the six charges with provisional credits applied to offset the charges. On XX/XX/XXXX one of the six charges had the dispute resolved in my favor - a merchant credit was applied for {$25.00}, and a {$25.00} charge was applied to reverse the provisional adjustment. On XX/XX/XXXX a second {$25.00} charge was applied to reverse the provisional adjustment without any corresponding merchant credit. Meanwhile the five other disputes are still not resolved my the card issue and it has been more than 90 days since the disputes were opened. Since the XXXX double dip reversal charge I contacted the card issue twice - by chat and by phone. The representative I spoke with said the disputes would be resolved before the 90 day period from the opening of the disputes and that they would " escalate '' the second adjustment charge to some unnamed group that would follow up with me - it has been over two weeks and no word from them.
Company Response:
State: PA
Zip: 193XX
Submitted Via: Web
Date Sent: 2020-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A