Date Received: 2020-09-19
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Unable to access savings account from Goldman Sachs bank, two seperate accounts opened over 2 years ago, Bank refuses to provide information on the accounts without a set password that I do not know. I would like to withdraw the money in both accounts and close any and all dealings with Goldman Sachs. letter received was titled " Marcus by Goldman Sachs. ''
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently pulled my credit report and noticed several fraudlent accounts some even had no account name associated with them.
Company Response:
State: AL
Zip: 36116
Submitted Via: Web
Date Sent: 2020-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-18
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Had a dispute against XXXX XXXX XXXX ( made a purchase send to the mall and wasnt pick up failed to issue credit ). The amount was {$49.00} made on XX/XX/2020. The company was contacted and they acknowledge the mistake. Expect Apple Card decide to reverse the provisional credit. I called Apple Card services ( golden bank ), the representative was overly rude. She give me a lecture me by telling me to have the USPS credit me since was their fault not the credit card fault since the postal office and all the packages are insured. The call dropped, next day my account was restricted ( cant make purchases ). I called and they told me I was being investigated because my shopping habits. I called again and send them the copy of the transaction and I was told we restricted your car for your own protection and security of the bank you may not be able to use the card 5-7 business days. You will get a letter regarding the outcome. I am a former banker and theyre in violation of fair credit since they did it in retaliation of my previous calls. I explain them I am not a thief, I always pay my bills on the and I have never been late and I ask which company flagged me to request a copy of the report and they failed to disscuss any further info. All they keep saying was I cant disclose why you been restricted all I can tell you is you need to wait.
Company Response:
State: CT
Zip: 06605
Submitted Via: Web
Date Sent: 2020-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-17
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I opened an Apple account in XXXX 2020 and never charged anything on it. Some apple charges from my phone went on the account that I was not aware of. The company then proceeded to send digital invoices to an old email account that I have not used in over 8 years, since changing my name. My apple ID had that account as the name of the account, but NOT the email associated with it. The company then sent email notices only for a few months before finally notifying me by mail of the balance owed. The day I received the notice I called and paid the balance in full. Now the account is reporting a balance due after the account was paid in full. The account is closed, yet it is still being reported as open with the balance due. With all the email problems that occur, for anyone to limit communication with customers to email only and then send that correspondence to the wrong email should be criminal. It should be illegal to report late payments in this situation and there should recourse for consumers who find themselves in this situation. I have not one single late payment in over 8 years and now this situation can prevent me from purchasing a home. I am more than upset and think Apple not be allowed to offer these services if they are going to create these kinds of situations for their customers. I will sell my stock, get rid of my XXXX, XXXX and XXXX over this situation. This should be illegal.
Company Response:
State: AZ
Zip: 85283
Submitted Via: Web
Date Sent: 2020-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is in response to Goldman Sachs USA previous response on XX/XX/2020. Goldman Sachs has ignored the Identity Theft claim. They have NOT contacted the bank used to open the account and make the " ( 9 ) successful payments '' nor have they confirmed if the account was compromised and used for fraudulent activity such as opening credit accounts, and loans. According the bank records on XXXX XXXX of the consumer as of XX/XX/XXXX, there was only one bank account in the name of the consumer at the time of opening the Goldman Sachs account which according to Goldman Sachs was on XX/XX/XXXX. The name of the bank was " XXXX '' and the account did not carry balances high enough to open a personal loan which as of XX/XX/XXXX, states a balance of {$12000.00} with Goldman Sachs according to the XXXX Consumer Credit Report. According to the XXXX XXXX Reports of the consumer, the total balance for the consumers bank account " XXXX '' as of XX/XX/XXXX was {$57.00}. This amount is NOT sufficient enough to open a personal loan account with a balance of {$12000.00}. An inquiry was also made from Goldman Sachs Bank on XX/XX/XXXX requesting a copy of the consumers XXXX XXXX report. They have reviewed the consumers banking information on XXXX XXXX and have failed to mention this in their last response! A copy of the Identity Theft report and XXXX XXXX report have been attached to provide evidence that the account for Goldman Sachs bank was opened fraudulently without the consumers knowledge or permission. According to the Identity Theft claim, the bank used for this account was found to be compromised and fraudulently used to open the Goldman Sachs account. I request that CFPB priorities and investigations further investigate this claim and provide assistance in filing a law suit against Goldman Sachs Bank USA as they have failed to provide verified evidence that the account was opened by the consumer and not of fraudulent activity. Under The Fairs Credit Act, Goldman Sachs is violating the consumers rights.
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2020-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-15
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Had multiple charges from a merchant called " XXXX '' brought this up to the attention of Apple card Goldman Sachs. They flagged the charges as fraud. few weeks later i received an email notifying me that the charges where found in the merchants favor. The merchant claims they have evidence that im associated with the address they have on file. I inquired to that evidence and Goldman Sachs was not able to produce any evidence. I believe this is gross negligence and breaches my rights under the Fairs Credit act.
Company Response:
State: CA
Zip: 92614
Submitted Via: Web
Date Sent: 2020-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-16
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 made a purchase on XX/XX/24/20 through a company called XXXX XXXX. I purchased rose plants that were ultimately delivered on XX/XX/XXXX. The company has a 1 year guarantee on all plants, and the plants I received arrived dead. I contacted the company and they asked for documentation, pictures, etc, which I provided. The company denied my return claim. I opened a dispute with Apple Card ( through Goldman Sachs ) on XX/XX/XXXX, which was denied on XXXX because Goldman Sachs found that I made the purchase. That was never my dispute - I told Goldman Sachs that I made the purchase, my complaint was that the goods were delivered damaged. I reopened the claim on XXXX, and GS again denied the claim on XXXX because they found that the merchant had provided a credit ( the merchant had not ). I contacted GS and asked for proof that the merchant provided a credit because the credit did not appear on my credit card statement, and they declined to do so. They reopened the claim on XXXX and AGAIN denied it on XXXX. I contacted them on XXXX by phone and the customer service rep said that she was reopening the dispute for me, but it was never reopened. I contacted them again on XX/XX/XXXX and they are now saying that they can't reopen the dispute because it has been reopened too many times. This is due to their incompetence! I am being completely ignored and am being charged for damaged goods. I don't know where else to turn.
Company Response:
State: MA
Zip: 02184
Submitted Via: Web
Date Sent: 2020-09-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-12
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On the morning of XX/XX/XXXX I received a notice only device that my Apple Card had been used to make a purchase at a XXXX in XXXX, FL in the amount of {$74.00}. Ive never been to this XXXX, I did not make the purchase. It is fraud. I immediately contacted the Apple Card support and reported the fraudulent charge. I had the physical card canceled and thought it was done. It is evident that the card had been skimmed and cloned as someone attempted to use it again at the same place the next day. There has been a rash of skimming at local gas stations here. Yesterday, XX/XX/XXXX, I received notice from XXXX XXXXGoldman Sachs that I had lost a dispute over the XX/XX/XXXX charge. I tried to contact Apple Card support and tell them that I had not disputed the charge but rather reported a fraudulent charge. I was passed through three different representatives and then received no response from a fourth.
Company Response:
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2020-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-11
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: XX/XX/2020 I disputed a charge to my Goldman Sachs Apple Card. The charge was from a company called XXXX through XXXX that was made XX/XX/2020 for {$190.00}. My dispute was/is as follows : Utilizing the XXXX website I purchased a part for my clothes dryer. I entered the model and serial # on the XXXX website and they sent me a new control box for my appliance. The part they sent me was not the correct part. I immediately reached out to XXXX and they ignored my requests to remedy the situation by providing the correct part or providing a refund. I then filed a dispute with Goldman Sachs Apple card and provided a copy of the email I send XXXX requesting remedy for their error. While they did provide provisional credit they eventually found in the favor of XXXX because they " provided proof that I made the purchase ''. I dont understand why it took 8 weeks to confirm I made the purchase since I told them I made the purchase in the initial dispute. The dispute is that this company didnt send me the part I ordered and has refused to remedy the situation. I have in turn purchased a new dryer and no longer want the part from this unresponsive company ; I want my money back which Goldman Sachs Apple Card is refusing to provide.
Company Response:
State: MI
Zip: 49426
Submitted Via: Web
Date Sent: 2020-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/20, my XXXX year old son got on to my XXXX. He made 10 purchases of items in the XXXX XXXX without knowing what he was doing. It wasn't until late that night that I received purchase notifications saying that all those purchases had been made. I filed a complaint on XXXX and was denied a refund. I then went to my credit card issuer ( Apple Card / Goldman Sachs ) and stated that these purchases were unauthorized. On their terms, it states : " You will not be liable for any unauthorized transactions made on your Account. '' https : //www.goldmansachs.com/terms-and-conditions/Apple-Card-Customer-Agreement.pdf In that same agreement, they say that you will be responsible for transactions that occur for people that have access to your device. That is EXTREMELY overreaching. There was no warning when I gave him access to my device. Any other credit card company ( like XXXX ) would have disallowed these transactions. I suspect because of their affiliation, their relationship has become more important than consumer protections. I compare this to a child taking your credit card to a store and purchasing things with your credit card. Would you be able to take those things back to the store? Absolutely. Would you get a refund from the store? Absolutely. If the store refused the refund, would you be able to contact your credit card issuer to get a refund? Absolutely. This needs to stop.
Company Response:
State: CA
Zip: 94598
Submitted Via: Web
Date Sent: 2020-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A