Date Received: 2020-08-25
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I have tried several times over the last year to get an Apple Card Credit card issued through Goldman Sachs. I have been denied each time even though I meet all credit criteria. The reason given in the email that is sent to me on rejection is that I have been recently past due. This is based on my XXXX credit report. I monitor all of my credit reports and the last time I was past due on anything was over four years ago. I have contacted Goldman Sachs several times and have asked them to review my application. They can not tell me what they mean my recently past due and they say they can not manually review my application. I have twice asked for a case to be opened for someone to look into an issue with the algorithm and they refuse. They just say they can not approve my application. I am asking for clarification of their criteria and a manual review of my application. I am happy to provide my credit report if needed. Thank you.
Company Response:
State: TX
Zip: 76179
Submitted Via: Web
Date Sent: 2020-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: NH
Zip: 03102
Submitted Via: Web
Date Sent: 2020-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-20
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/2020, I called Marcus by Goldman Sachs bank to close my savings account which i have had for over two years.. I was told they would wire transfer my money to another bank where I have an account. Instead without ever contacting me they froze all my funds and locked me out of my account. I called them on the phone and they told me they can hold my money for any reason and for as long as they want and don't have to tell why, They then told me they are mailing me papers i have to have notarize and return before they will discuss my account with me. So basically they have stolen all my money without any explanation and who knows when I will ever see it again.
Company Response:
State: CA
Zip: 92677
Submitted Via: Web
Date Sent: 2020-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-20
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: My name is XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ). I charged {$1400.00} to a Goldman Sachs Apple Card on XX/XX/XXXX in payment of six months of auto insurance premiums to XXXX. I canceled the policy at least 24 hours before it took affect XXXX because a much better offer came out of nowhere from another company. XXXX actually should never have charged me, but it did. This has been going on for over two months. XXXX claims to have returned the money to Goldman Sachs Bank or reversed the charges. Goldman Sachs Bank refuses to credit my account. I have been in touch with them numerous times by phone and through text support. I have all of those text records or all that my phone saves. Still, no money. GSs provisional credit is no credit at all. The Banks employees are masters of runaround and deceit. Im trying to get retired, but because of the pandemic my congregation and I agreed it would be better for all if I delayed my retirement. Had I been retired, {$1400.00} would be about 40 % of my monthly income. Suddenly Id have become one of those senior adults wondering how to pay rent. I dont know if this is an effort to scam a senior or just run of the mill thievery.
Company Response:
State: DE
Zip: 19805
Submitted Via: Web
Date Sent: 2020-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-20
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have been trying to get money out of Marcus for over a month now. First I tried to wire to a third party escrow to close on a home purchase, the person on customer service took the wire information for the wire and said it would go out. I then got a call several hours later informing me that they do not wire to third parties only to accounts in my name, so I started a wire to my credit union. Then, because my credit union uses a third party bank for wires, they informed me that a wire was not possible. At that point I was able to get a person to send me a cashiers check, WAY too late to close on my house. ( I had to take a personal loan for my down payment from my mom to close ) So, knowing that it would be impossible to get money going forward I opened an account with a new bank and tried to wire funds to that account. Marcus then proceeded to lock my account and every time I try to call to get it unlocked they put me on hold while they attempt to contact someone in a specific department and 30-40 minutes later come back and say that no one is picking up. I have called multiple times and can not get my money now. The most recent call, they couldnt even find my account in the system.
Company Response:
State: CA
Zip: 94521
Submitted Via: Web
Date Sent: 2020-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-18
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Apple offer me a credit card with no interests if pay in full in less than 12 months. Last month was my first payment and I noticed that the charge me an amount for interests. I went to a chat with them and they told me the haven't enroll me on this offer without further explanation. Nine days ago they told me the 'll get back at me with a decision on the next three days but I haven't hear from them since. I have all the chat conversations saved on my phone.
Company Response:
State: PR
Zip: 00676
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Good evening, On XX/XX/XXXX, I called the Apple Card-Goldman Sachs - Credit card company to report unauthorized transactions on XX/XX/XXXX. Somebody used my card or my information without my permission. The amount was {$600.00} from Apple Services ( merchant ). The agents refused to help me and keep transferred me to Apple support ( Merchant ). On the 4th call, I already told them that I was not calling Goldman Sachs to be transferred to Apple-customer service ( Merchant ). They keep asking me again that did I tried to work out with Apple ( Merchant )? I told them yes and the reason I called Goldman Sachs is to investigate the unauthorized transactions on my credit card account. It was not me make those purchases. She keep me on hold, she said that she need to talk with Apple customer service ( Merchant ). After 40 minutes, she disconnected. I am very unhappy with the result, Goldman Sachs never call me back regarding about the case at all. Goldman Sachs which is my credit card issuer should be on my side when there is a problem about my card. They did not take any step forward to protect their customer like me against fraud.
Company Response:
State: MO
Zip: 64093
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-17
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I have gotten numerous pre approved solicitations from Marcus XXXX XXXX Per their website and XXXX XXXX, I meet all the requirements for approval ( credit score and income ). I applied for a personal loan to consolidate my credit cards on XX/XX/20. Their website states that you will have a response or request for additional information in 1-2 business days. I had to log into their website and check my profile every day to see an update. I had to continuously call for updates and was told that it would be 1-2 business days for a response. By XX/XX/20 I asked for my file to be escalated. I was told they would reach out to me. I called again on XX/XX/20 and was told that a letter was mailed to me and there was nothing they could tell me. Basically my file was declined as soon as I complained. They said they were not able to tell me why it was declined and that I had to read the letter whenever I finally got it. Today I have gotten more emails with pre approvals from Marcus. This to me is false advertising and I feel they declined my application based on my complaint.
Company Response:
State: IL
Zip: 62226
Submitted Via: Web
Date Sent: 2020-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-17
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 at Apple.com, signing up for their Apple Card ( Goldman Sachs ) for a financing offer on XX/XX/XXXX. Part of the order was not due to ship for a month ( manufacturing backlog ) and part of it shipped immediately. On XX/XX/XXXX, I decided I would buy the items locally and cancelled the order with Apple. I immediately shipped back for the part of the order I received and shortly after receiving the return, Apple refunded me for that, however the part of the order that hadn't shipped yet was still " pending '' on my card and the card was still showing a balance. I contacted Goldman Sachs ( who backs the Apple Card ) and explained the situation. They told me Apple had to release the pending charge and then transferred me to Apple. The Apple rep told me it was Goldman Sachs who is holding the pending charge and told me to contact them again. I give it some time to hopefully allow the pending charge to fall off and 2 weeks later, on XX/XX/XXXX, contact Goldman Sachs again, who proceeds to tell me it's Apple issue. In the meantime, Apple support had already emailed me a Credit Memo, showing the credit of the returned merchandise but absolved itself of the pending charges as they are not the bank. They insist there is nothing they can do about this. After a quick XXXX search, I'm seeing other Apple ( Goldman Sachs ) cardholders are having this exact same issue and are stuck in this infinite loop of being tossed between merchant and bank support.
Company Response:
State: CA
Zip: 91604
Submitted Via: Web
Date Sent: 2020-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a Marcus savings account on or around XX/XX/2020, I funded it with a XXXX XXXX XXXX account. Over the next few months, I made over {$70000.00} of deposits from a XXXX XXXX XXXX checking account ( these can all be provided upone request ) and some additional smaller deposits from my personal XXXX and another XXXX XXXX XXXX account. On XX/XX/2020, I attempted to wire transfer money for a down payment on a property to a third party, it was at this time they informed me that they do not do that, which is inconvenient, but fine, no problem there. I then set up a transfer of {$71000.00} to my personal XXXX account for the down payment. The next morning, XX/XX/2020, I logged into my Marcus account to check on the status of my money and my account is locked ( it is still locked a day later ) so I can not see my balances. I call in to find out that my wire never happened, and only then do they tell me that I can not fund my account from a business account, which most of my money has come from. The service representative agrees that they should have caught it, and it is their fault. I then decide to attempt to close my accounts ( I have this one and another ) and spend the next hour doing that. The representative gives me a confirmation number for each ( XXXX, XXXX ) and says it may take up to 3 days to get my money, which would put me in breach of contract for my real estate purchase, putting % 5,000 earnest money at risk. The representative, who I did not get the name of, informs me that she has taken notes on the situation. Later that day, I get a call from Marcus and they immediately ask for my date of birth and social, which is insanely unsafe practice - I inform the representative of this and she claims to have written notes and that I can call them back. I call them back from the website phone number and get a different representative. He informs me there are no notes from any of my previous calls, he also tells me that he has no idea what my confirmation numbers are for. This means that the representatives are either lying to the customers, or the note system is broken, I advise him to elevate that. Knowing this I get his name, it is XXXX. He tells me, that we need to close my second account, which I had already done earlier that day ( confirmation number XXXX ) - we go through that whole process again and he informs me he will put it in the notes and that there is no confirmation number. This whole time I am unable to login and see the amount or status of my money, and no one can tell me what is going on. This is more than {$75000.00} that I can not access and these problems should be caught not when I need to use my money, but when I am doing something that " isn't allowed ' like funding with a business account ( which really makes no sense as I could just move it into a personal account, then into the bank either way. It is 2 days in, and I really have no idea when I will have access to my {$75000.00}, this does not seem right. Not only that, this has cost me over a half day of wages trying to get around the fact that I am going to be in breach of a contract and do not have a spare {$75000.00} laying around. I do want to note that throughout this the representatives were extremely polite and apologized a lot for the incompetence of the bank.
Company Response:
State: MN
Zip: 55416
Submitted Via: Web
Date Sent: 2020-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A