Date Received: 2020-06-08
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 initiated a dispute on XX/XX/2020 in the amount of {$500.00} from the merchant XXXX. Its been over 2 billing cycles since the dispute has been acknowledged and I havent gotten any update.
Company Response:
State: WA
Zip: 98105
Submitted Via: Web
Date Sent: 2020-06-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-05
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Contacted Apple Card regarding dispute on XX/XX/2020. On XX/XX/2020 Apple Card email me for additional information and response was given via replying to their email. I contacted Apple Card the week of XX/XX/2020 and was told the dispute is in second stage. On XX/XX/2020 Apple card email me to state the the dispute was no in my favor. I contacted Apple card by phone several time and was told that they never got my email with information that they needed. Apple card also told me that they got information from the merchant that sounded very suspicious, and my request for such information has been denied. My request to reopen the case was also denied.
Company Response:
State: CA
Zip: 92394
Submitted Via: Web
Date Sent: 2020-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Two charges were made to my account. None were authorized by me. Contacted multiple times to different departments and the bank. Nothing was done. Slap in the face. Im not paying for something I never bought or received.
Company Response:
State: PA
Zip: 173XX
Submitted Via: Web
Date Sent: 2020-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-04
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I attempted to make a funds transfer from my Marcus account today, XXXX, an error message stated, " unable to process '' or similar thereof. The transfer was going to my linked XXXX account in my name, three prior funds transfers were made prior, amounts of {$2300.00}, {$600.00}, {$800.00} with no issues. I called to find out reason for issue, it appears Marcus placed a hold on the account yet again, second one thus far. The reason for the funds transfer is to cover ACH payment items due to withdraw from XXXX account. Also, I am in process of making an offer to purchase a house and need access to funds.. It appears Marcus likes to monitor transactions, mark them as suspicious to the point of harassment.
Company Response:
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: To whom it may concern, Just to establish the context of my dispute, its imperative to note how the COVID-19 effected my job status which then negatively effected my credit. During the initial phases of COVID-19 in the month of XXXX, the management team at my job at XXXX, had alerted all XXXX Managers in a conference call about a pandemic that was going to affect our market and possibly hurt sales. During the months of XXXX, upper management had alerted all Managers to be extremely vigilant of any vital signs or symptoms of the coronavirus within the team and if anything we were encouraged to stay home. Towards the end of XXXX, New York State had mandated all Non Essential stores be shut down and that was when I was out of a job as a Store XXXX at XXXX. My income had immediately come to a halt and unfortunately still have dependents that I personally still have to take care of including paying the rent, electricity bills, phone bills, car bills, utilities, cable bills, groceries etc. After my store had shut down, like many Americans, I was in dire financial hardship and needed extreme financial assistance immediately. The one credit card I was living off of was my Apple Card issued through Goldman Sachs. Never was I late on a payment and always had my credit utilization under control. With limited means of resources and no income along with major obligations to fulfill, it was the one asset I could use. Although I was utilizing the available credit on the card, it is IMPOSSIBLE for me to pay down my credit so my credit utilization could be 10-30 % which it usually is. My available credit at the time was {$1000.00} and the amount of credit used was north of {$900.00}. It was nearly impossible to fund any available funds to pay {$900.00} down. On the same day I found out that my store was going to shut down, I had contacted Apple Card Customer Service ( XXXX ) to see how Apple Card was going to send my data to the credit bureaus about me not paying down my credit even if I pay my bills on time but still having a high credit utilization. The Apple Card Specialist advised me to wait and see if they do report negatively because the belief was that the CARES ACT would pass which it did but the prevention of reporting negatively to the credit bureaus did not. I'm in extreme dire financial hardship due to this unforeseen COVID-19 pandemic and it's extremely hard to position my finances to cover costs that I personally did not know I was going to have to cover immediately. Due to the use of my Apple Credit Card, my credit dropped roughly -54 points on my Transunion report. On XX/XX/2020, I had called Apple Card Specialist and confronted them about my dire economic hardships and disputed that negative report. After a couple weeks, the dispute was denied because they claimed the information was accurate however, the information is incomplete. It is boarder line fraud and extremely misleading when an Apple Card Specialist notifies me to " wait and see '' if my credit will be negatively reported instead of giving me the proper necessary information where I did not have to max out my card. A misinformed Apple Card Specialist caused my credit to drop -54 points and does not fully represent my creditworthiness which is total fraud. I know this statement will provide a deep clarification to my situation and how I was swindled out of a good credit rating.
Company Response:
State: NY
Zip: 11355
Submitted Via: Web
Date Sent: 2020-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Dear Consumer Financial Protection Bureau, CFPB : I AM NOT GOING TO STOP COMPLAINING BECAUSE APPLECARD CONTINUES TO ANNOY, HARASS, AND INTIMIDATE ME BY SENDING ME EMAILS FALSELY ALLEGING I OWE THEM MONEY WHEN I DON'T. AGAIN AND STILL, Goldman Sachs/Marcus OWES ME {$500.00} AND XXXX XXXX OWES ME {$3200.00}. Sincerely and Respectfully, XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-03
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: This is about the Apple Card and Goldman Sachs Bank. I made a dispute in XXXX and the dispute was overturned in XXXX, but the reason for it being overturned was completely different than the reason I disputed. I disputed the charge because the company didnt honor its return policy, but they overturned the dispute because The merchant provided sufficient evidence that you made the purchase, which was never in dispute. When I tried to get assistance, create a new dispute, or get more details about why it was overturned, their customer service was completely unhelpful. In the dispute email, it said You have the right to see the information used in this investigation. To request a copy, please contact Goldman Sachs Bank USA by chat or phone. They did not provide l that information upon request and I asked multiple times in XXXX.
Company Response:
State: DC
Zip: 20008
Submitted Via: Web
Date Sent: 2020-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In XX/XX/2020 I was flying alone ( I'm a single mom ) with my XXXX children. During a layover in an airport, I realized I had inadvertently checked my wallet in my luggage. I had no access to money because all of my credit cards and cash were in my wallet ( checked in my luggage ). My children hadn't eaten and wouldn't be able to eat for many hours until we got to our final destination and I retrieved my checked luggage. As a last resort, I applied for an apple card administered through Goldman Sachs so I could use Apple Pay at a restaurant to feed my children. The application took no longer than 5 minutes. I never consented to online paperless statement delivery and they never verified my email address. I promptly forgot that I even opened this card and since it was not a part of my financial picture, I never thought to go looking for a statement. They arbitrarily ( without my consent or approval ) sent the statement to the email address associated with my XXXX XXXX. I never check this email because the only use is for XXXX XXXX login functionality. They ONLY sent statements and past due notices to this email address. They never mailed me a statement. By the time they contacted me by phone, the account was already 36 days past due at which time I paid it immediately on XX/XX/XXXX ( 6 days past the 30 day mark ). At this time, I explained that I never got any statements and asked the clerk to whom I gave payment to please not report negatively to my credit. She stated that she didn't think it would negatively impact my credit since it was only 6 days. Yet Goldman Sachs reported a {$14.00} past due payment to XXXX, severely compromising my otherwise perfect credit score. I opened a dispute with XXXX - at the completion of which Goldman Sachs informed me that the past due was reported correctly. I was not disputing that it was reported incorrectly but that it was reported UNFAIRLY. And that under the circumstances of me not receiving the statements or having any say in how they were delivered, they should consider the whole picture and remove the negative reporting. I then wrote a letter to Goldman Sachs and explained the situation again, in writing and asked them to remove the reporting. They wrote back saying that the report was issued correctly. I then had an attorney write a letter. To which they responded that the report was issued correctly. This is the first negative I've had on my credit in more than a decade. I am now having difficulty getting a mortgage because of a 6 day past 30 days late payment of {$14.00} and I have been able to get Goldman Sachs to pay attention to the circumstances. This is the epitome of UNFAIR credit reporting.
Company Response:
State: AZ
Zip: 85086
Submitted Via: Web
Date Sent: 2020-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-31
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: Apple Card ( Goldman Sachs ) continues sending me statements with a balance that does not make sense, even after I closed the account and paid the amount that THEY told me was the total balance in full. In other words, the balance is more than the net sum of credits and debits. They seem to have messed up and installment purchase at the XXXX XXXX. In any case, even after paying the total final balance in full - more than I thought i owed -- they are still saying it's not done. This started in XXXX and after I got a statement that was impossible to understand. The math didn't ' add up -- by their own admission. I talked to 3 different reps and none could solve it. After one call in XXXX that lasted 2 hours -- I finally agreed to pay of the entire thing including the installment purchase in full and close the account. Even though the total seemed too high and didn't make sense. I wanted to be done with it. So I sent payment on XX/XX/XXXX and the account was closed. Now, 2 months later I am being sent emails saying I owe more. So today, Sunday, I spent 2 more hours on the phone with a rep. We went through transaction by transaction and it showed I had paid MORE than the total of my expenses. ( Each bill was paid in full each month - other than the 0 % interest installment purchase at the XXXX XXXX ). So this has nothing to do with accumulated interest charges. I paid the bill in full each month. She was very helpful but even she couldn't figure it out. By her own admission it didn't make sense. She went to get a supervisor - and I end up on endless hold. And after another hour of waiting on the call, she never came back and abandoned the call. So no resolutions. I would be willing to pay the balance they say I owe - {$130.00} if I thought it would go away and end the matter. But that is what I did in XXXX and that didn't work. I am quite sure that I could send the {$130.00} and next month I would be asked for more. Goldman Sachs can not reconcile my statement to the sum of transactions and payments. I have no confidence in their ability to resolve this so I am looking for help.
Company Response:
State: LA
Zip: 70809
Submitted Via: Web
Date Sent: 2020-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Goldman Sachs will not transfer my Apple Card to my current Apple ID. The Terms and Conditions for the Apple Card issued by Goldman do not prohibit this transfer. Failure to transfer this card means ( according to the options presented by Goldman reps XXXX and XXXX on XX/XX/20 ) : 1. I may cancel the account and suffer adverse credit score impact 2. I may continue to let the account be utilized under anothers Apple ID, without access to this account from my own Apple ID. 3. I may cancel the account and reapply for a new Apple Card account, and suffer adverse credit score impact. At the time of filing of this complaint, I have a zero balance on this account, but have no acceptable means of protecting my credit score and ensuring any future liabilities are appropriately authorized.
Company Response:
State: MI
Zip: 49024
Submitted Via: Web
Date Sent: 2020-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A