Date Received: 2023-11-26
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: Green Sky Finance company and XXXX XXXX XXXX is refusing to cancel loan due to contractor hasn't completed nor started the project within the timeline. I also gave down payment and they refused to send refund. I've ordered windows from XXXX by XXXX in XX/XX/2023 and they still haven't started with no updates, no response. The contract stated XXXX weeks.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1975 APPLE CARD/GS BANK USA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Block of information due to identity theft Dear APPLE CARD/GS BANK USA Your company has been negligent in my recent requests in regards to negative accounts listed onto my consumer report. I never gave consent for your company to furnish any accounts on my behalf. The below accounts are a result of identity theft and I am demanding they be blocked and removed within 4 days of receipt of this letter. This request was not made in error I am competent of making this request. This request is not being made for material misrepresentation nor did I receive goods or services or moneys in regards to the transaction. If your company believes that I received goods or services it shall show proof sworn under penalty and perjury of the goods or services I have received. I do not consent to an E-Oscar response. The following accounts are listed below Account Name : APPLE CARD/GS BANK USA Account XXXX : {$8400.00} Account Number : XXXX Your company has XXXX business days to remove the above accounts listed. I am demanding that the following accounts be removed as it is directly affecting my ability to obtain consumer credit and is causing harm to my financial reputation. I look forward to your response.
Company Response:
State: FL
Zip: 33137
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I went to XXXX XXXX XXXX in XXXX XXXX, NJ at XX/XX/XXXX. I used Apple Pay. I was charged XXXX, with XXXX being credit transaction fee. The charged showed up on my Apple card statement, so I have cleared the transaction. On XX/XX/XXXX, I was informed by XXXX XXXX XXXX that they only received XXXX XXXX out of the XXXX XXXX Further I am being charged in their forthcoming bill. I contacted Apple and they said I was only disputing XXXX XXXX instead of XXXX XXXX After escalating to their advisor, they claim this was a mistake and I really paid XXXX XXXX But this does not explain where the XXXX XXXX in dispute coming from. No one contacted me afterwards to clarify. Now I am facing a XXXX XXXX unpaid bill. I tried to contact XXXX XXXX XXXX but I was told that the billing department was short ( of people ). I think I need some help from you to resolve this. I already submitted my proof of payment to XXXX XXXX XXXX and Apple, but no response so far.
Company Response:
State: NJ
Zip: 08540
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: I discovered that the product was considerably inferior and defective to the point that we reject the product and want to stop paying for it
Company Response:
State: MN
Zip: 557XX
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I checked my account and discovered 3 transactions that were not authorized by me to an account I know nothing about. I immediately called Marcus By Goldman Sachs to report the theft. I reached out to the Goldman Sachs bank after the business hour, but the 24-hour, 7days week customer service line did not file my claim immediately. I had calling back to Goldman Sachs bank the next day, XX/XX/XXXX morning. The investigation started. On the same day, the old accounts ending in XXXX and XXXX were frozen for any further transactions. New accounts were opened. On the same day, the password of the online banking was updated by me. XX/XX/XXXX, I called Goldman Sachs bank to follow up on my investigation status. This morning, two account specialists told me, my investigation was denied. This is the final result, and no further investigation will be done, they told me. The same day, I called Goldman Sachs Bank requesting a supervisor. The dispute team supervisor, XXXX, confirmed that the previous two account specialists provided me an incorrect information. My dispute is still in the investigation status. Not completed it yet. XX/XX/XXXX, the email address as a username of the online banking was updated by me as well. I requested Goldman Sachs bank 's dispute department to keep locking my online banking for security. The account to which the money was transferred is listed as " Internet transfer to XXXX XXXX XXXX XXXXccount XXXX ''. This is not my husband 's name or under my name bank account. XXXXXXXX XXXX confirmed. The claim number at Marcus is XXXX XX/XX/XXXX, dispute department supervisor XXXX confirmed my signed form for the dispute agreement was received. XXXX confirmed that my dispute is still under review. On XX/XX/XXXX, Goldman Sachs bank called and notified me that the investigation would take longer than 10 business days and it takes up to 45 days instead. On XX/XX/XXXX provisional credit of {$8300.00} was provided to XXXX of the new accounts. I have received a letter of provisional credit notification the following day. I requested Goldman Sachs bank 's customer service to unlock the online banking for me to make an external transfer to my other bank account and empty the account. However, they politely stopped me from making any external transfer at this moment on XX/XX/XXXX and XXXX, both days. The customer service told me, I needed to wait for the investigation completion notification letter to do anything with the fund. My occupation is a banker. My understanding is that I should be able to access my banking transaction with the provisional credit while the claim is under investigation. But the customer service did not help me. As of today, XX/XX/XXXX, I am still waiting for the investigation result with the permanent credit.
Company Response:
State: WA
Zip: 98125
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I was giving an apple credit card that just popped up on my XXXX. I didnt apply for it and do not want it. Tonight I started to see fraudulent charges on my account. I tried to cancel this account which by no has been compromised. They will not let me cancel the account. Ive asked over 20 times on chat and they wont even acknowledge that Im asking to cancel this card. I need help. I dont want this card and didnt apply for it.
Company Response:
State: LA
Zip: 70471
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Apple Card/GS bank USA , account number XXXX, This account is suspicious I requested this company to provide me with original signed contracts of me given this company permission to submit my information to any third parties. I also requested this company to provide me clear and conspicuous instructions given me option to opt out of this unknown debt. I requested this company to provide me with written contract of me knowingly agree to owe any debt ( Apple Card/gs bank ) this company havent cooperated and provided me the necessary documents/information. After a statue of time I requested this company to cease and desist all communications with me which they havent and this account is still being illegally reported to my credit report. Which is clear violation of FCRA 15 United States Codes.
Company Response:
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2023-11-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XXXX I had sent a dispute letter to GSBANK in regard to a charged off / canceled debt account and I have yet to receive a response from this company. GSBANK is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. The Fair Credit Reporting Act, to be more specific, 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( GSBANK ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( GSBANK ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. GSBANK can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website for further evidence. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from GSBANK for the cancelled debt of { {$3300.00} } in order to file as ordinary income. Where is my 1099-C GSBANK is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. Because of this I will report your agency to the IRS for tax fraud via the Form 3949-A form. GSBANK has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In GSBANK terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and XXXX is not an affiliate of GSBANK nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. If this company truly believe otherwise then I demand that they prove to me and the cfpb that XXXX, XXXX, and XXXX are " Bureaus '' as federal law describes it. I have a right to privacy and Per the Privacy Act of XXXX as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. GSBANK must also refund the remaining balance of the consumer account upon its termination. This is your 7 day notice to return ALL money due from this consumer account. XXXX Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of { {$1.00} } is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ). ( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure.
Company Response:
State: PA
Zip: 187XX
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I was advertised a pre-approved offer for a $ XXXX GM XXXX XXXX credit card by Goldman Sachs. I was told that I must submit a state ID to finalize my approval. Goldman Sachs received my documentation both via the " upload documents '' section of their own website and also in a complaint made on CFPB.gov ( XXXX ). In both instances, Goldman Sachs knowingly and willingly made false statements stating " Unable to verify identification information '' in regards to my credit card application which is a violation of 15 U.S. Code 1611. Goldman Sachs has the ability to use other methods outside of using my state-ID to verify my identity, including sending a 6 digit code to a phone number in my name, or asking me multiple choice security questions in accordance with public record, but has chosen not to do so, although federal law requires them to! Goldman Sachs falsely stated " The Bank conducted an investigation and confirmed no Bank error occurred. As stated in previous responses, and according to the Bank 's records, the Consumer submitted the most recent application on XX/XX/2023. As part of the application process for the GM XXXX XXXX, the Bank conducted a review to research any red flags identified and to verify the identity of all applicants. '' No investigation occurred, the documents requested were sent to Goldman Sachs and obviously have not been reviewed, or the person reviewing the documents has poor eyesight.
Company Response:
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: The account was closed after being paid in full. I called apple to confirm everything the account was settled and had no pending charges. Apple then charged a fee and didn't notify me until after 30 days. They sent a letter and the fee was paid over the phone. the late payment was reported to the credit bureaus and i believe it is retaliation over closing the account. i have tried to call apple multiple times and they were not helpful.
Company Response:
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A