Date Received: 2020-07-11
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for the Apple Card on XX/XX/2020, I got a denial due to only one reason : " You have recently been past due ''. This is NOT true! I checked my XXXX credit report and there is NO lates in the last 7 years? It said I had a score of XXXX, I don't know how someone can have that score with " past due payments ''. Please review and correct, thank you
Company Response:
State: CA
Zip: 93722
Submitted Via: Web
Date Sent: 2020-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Goldman Sacks, who is administering the Apple Credit Card, took {$480.00} out of my XXXX XXXX checking account on XX/XX/2020 without my authorization. I immediately called them. Customer Service could not explain how this happened and agreed it was a mistake. As of today XX/XX/2020, the money has not been returned to my account. I have now called them three times asking for a supervisor on the last call. She could not explain what happened but admitted the account was current with a monthly payment of {$49.00}, not {$480.00}. In addition the phone line was very poor and the English Language ability of the customer service personnel was very poor. I suspect that I was speaking with people who do not speak English as their primary language, they told me they were in Texas. On the third call I was left on hold for over 15 minutes.
Company Response:
State: FL
Zip: 34990
Submitted Via: Web
Date Sent: 2020-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-09
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Apple credit card services through Goldman Sachs keeps denying my credit card application because they say they cant verify my identity. Ive reached out to all credit bureaus to ensure my information was correct, but they keep saying they cant verify me and keep denying me.
Company Response:
State: MD
Zip: 20707
Submitted Via: Web
Date Sent: 2020-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-25
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: The apple card doesnt allow for any customer authorized data sharing. So I am unable to import it into my bugdeting programs without manually entering each transaction.
Company Response:
State: UT
Zip: 84606
Submitted Via: Web
Date Sent: 2020-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-25
Issue: Getting the loan
Subissue:
Consumer Complaint: I applied online for a debt consolidation loan on XX/XX/XXXX and was denied. I called Marcus and was told to call XXXX, which would be pointless as I already know whats reflected on my credit report. The denial reason provided was number of recent inquires on credit bureau. This is false. I have one inquiry for an apartment, that I currently live in, from XX/XX/XXXX. I dont have multiple inquiries as Marcus by Goldman stated I do.
Company Response:
State: NY
Zip: 10075
Submitted Via: Web
Date Sent: 2020-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-23
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: The lender says that the borrower ( me ) can apply for a payment workout program to help recover from missed payments due to unemployment. The lender will tell the borrower what is the minimum payment required but when the borrower submits their request the lender denies the request with for the following reason : " Payment to income ratio exceeds hardship program thresholds ''. The lender will not disclose what the threshold is that must be met. I have made 3 attempts to sign up for the program, each time offering the requested minimum payment, and calculating my income based on three different models. Each time I am denied with the same denial statement but they refuse to tell me what the threshold is that I need to meet. All I want from the company is to make the minimum payment during my unemployment with a promise from me that I will return to normal payments when my income is restored. I have made 6 different attempts to accomplish this but each time the representative said that no one can tell me what the threshold is and no human can give an approval - only the computer program can grant an approval.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-23
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Goldman Sachs Bank USA did not respond to the CFPB complaint ID XXXX filed on XX/XX/2020. The only message I received was " The company can not respond to this complaint, '' which is unsatisfactory. Please respond to this complaint properly and professionally. My Online Savings account with Goldman Sachs Bank USA ( under the brand name XXXX ) was opened on XX/XX/2020. The account was funded on XX/XX/2020. On XX/XX/2020, I found that online banking access was blocked, and I had no access to my money. I was shocked because I never received prior communication ( neither email nor letter ) regarding this block. I did not know when the account got blocked, because I did not use online banking very often to check balance. On XX/XX/2020, I called XXXX Customer Service, I was told that someone from their Specialist Department would call me within 24-48 hours. Nobody called me, and account was still blocked. On XX/XX/2020, I called XXXX Customer Service again, I told them that I expected to have received a call from them, but nobody called me and account was still blocked. The agent put me on hold for half an hour, and she promised that the Specialist Department would call me within 24-48 hours. I insisted that I could hold in line to wait for the Specialist Department to have time to speak with me. I was told that the Specialist Department was busy. Then I offered to make an appointment for their best time for the call, because the Specialist Department already failed to keep the promise. I was denied of such an appointment, and the agent guaranteed me that the Specialist Department would call me within 24-48 hours. As I had expected, nobody called me, and account was still blocked. On XX/XX/2020, I called XXXX Customer Service again, I told them that I expected to have received a call from them, but nobody called me and account was still blocked. The agent promised that the Specialist Department would call me within 24-48 hours. I told the agent that the same thing had happened twice before, and the Specialist Department had failed every single time. The agent again guaranteed me that the Specialist Department would call me within 24-48 hours. As I had expected, nobody called me, and account was still blocked. On XX/XX/2020, I called XXXX Customer Service again, I told them that I expected to have received a call from them, but nobody called me and account was still blocked. The agent promised that the Specialist Department would call me within 24-48 hours. I told the agent that the same thing had happened twice before, and the Specialist Department had failed every single time. The agent again guaranteed me that the Specialist Department would call me within 24-48 hours. As I had expected, nobody called me, and account is still blocked. My account is still blocked, and I still have no access to my money. For the duration of two weeks, I called Goldman Sachs Bank four times, but to no avail. Their Specialist Department never called me, and never unlocked my account.
Company Response:
State: CA
Zip: 94538
Submitted Via: Web
Date Sent: 2020-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-22
Issue: Getting the loan
Subissue:
Consumer Complaint: Im being inundated with loan offers that dont exist for people of color. Two emails a day. I thought I brought this to your attention before.
Company Response:
State: CT
Zip: 06066
Submitted Via: Web
Date Sent: 2020-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I made a purchase in XXXX of XXXX, and applied for an apple card due to a discount if I opened an account. I gave the apple store clerk all my billing information including email address for which I wanted to receive statements. Apple Store uses Goldman Sachs Bank for their Apple Card. My intent was to pay off the card on the first billing cycle to avoid any interest. Having never received a statement, in XXXX of XXXX I was notified of a negative entry on my credit report from a monitoring service that I have. It was from Goldman Sachs Bank of overdue payment ( which I never received a statement ) On calling the Bank XX/XX/XXXX the representative I spoke with stated the statements go out electronically. I explained that I never received any electronic statement and would like to know where it was sent. The representative stated she could not give out that information. I asked for the address to send a complaint regarding not receiving any statements and was given Goldman and Sachs/Apple Card XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX ( In the middle of the current pandemic ) I sent a certified letter to Goldman Sachs explaining the situation and requested mailed copies of statements, as well as provided my email address and telephone number so someone could get back to me to discuss this issue. I also requested all paper bills from this point forward because I was not receiving electronic bills, as well as a redaction of the delinquency in my credit report. Although I received the paper statements up to XXXX in XXXX of XXXX, I still have not received any paper monthly statements. I saw that the email they had on the account is not my email address that I provided to the Apple Store representative for the application. The statement stated I owed {$2500.00}. On XX/XX/XXXX I sent a certified letter with the full amount that was owed, stating this was my payment in full to close the account. It was posted to the account XX/XX/XXXX. I also included in the letter to have all correspondence of this account be in writing and gave an address and telephone number. Nothing was ever received from the company. I made an inquiry in XXXX of XXXX and found the account was never closed and still accruing interest. When I called and spoke to the representative I was told that all cancelled accounts had to be done over the phone. When I stated that I sent a certified letter with instructions, she repeated that all accounts had to closed by phone. In order to close the account I had to pay an additional {$14.00} for interest ... on statements I never received? I find it appalling that a company can do this. I hope this complaint can be rectified and any interest charges that were paid be refunded as they bank was not sending any information as requested in order to payoff and close the account.
Company Response:
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2020-06-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-18
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I recently opened a savings account with Marcus by Goldman Sachs. The very day I transferred funds into the account Marcus LOWERED the interest rate without warning. I called to close the account and was told the funds were on hold and to call back on XX/XX/XXXX. I called on XX/XX/XXXX and was told to call back on XX/XX/XXXX. This bank is working a SCAM! I want my funds transferred back to the accounts from which they were taken.
Company Response:
State: CA
Zip: 92103
Submitted Via: Web
Date Sent: 2020-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A