Date Received: 2023-11-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I started using a Goldman Sachs Savings Bank account through my Apple Pay account. I have linked XXXX different accounts that I had money in to move money. Doing this I had to provide the information and verify the accounts through Micro Deposits. Recently I have tired to add a beneficiary on my Goldman Sachs bank account and I was DENIED doing so becuase I did not have my mother and fathers SSN. Because of this I made the decision to move my money from them. I have set up a new High yield Savings account with XXXX. Went through the same process to link my bank account with them and then initiated the bank transfer. Goldman Sachs has denied the transfer and has said I need to verify the account. I told them I have already done this. They said in their savings agreement it states that we need to call the bank on 3 way so they can confirm this is my account. I had spoke to 4 or 5 different people and no one can show me any agreement that shows this. They have directed me to the following part in the agreement. " To link an external account, you must provide proof that the external account : ( i ) is a deposit account held at a bank located in the U.S. or U.S. Territories ; ( ii ) is an account in which you have full right and authority to the funds ; ( iii ) is not a trust account ; and ( iv ) is owned by you. You may not link a business account. We may restrict linking to an external account at specific financial institutions. You authorize us, our agents, and service providers to verify ownership of the external account. '' I have provided them all the information need to cover all 4 areas. After being argued with for hours. I said that this is not right and I will be reporting them. I said I will do the call and told them the only 4 things you can ask are what is in the terms an agreements. The gentleman put me on hold for about 5 minutes and came back and said that he will need to get more information than those 4 items listed above. I told him according to the terms and agreements they do not and I will not authorize my bank to give them more info. he said then he will not be able to authorize and/or initiate the transfer. Goldman Sachs is Denying me to move my money to the where I need it to go and this needs to me handled immediately
Company Response:
State: AZ
Zip: 85207
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
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 purchased a XXXX XXXX bag online, it was received, but received damaged. I returned the item to XXXX XXXX with proof of purchase to Goldman Sachs Apple credit card. They keep reversing the charge but with no proof that I have the item. The item was returned to XXXX XXXX and proof of this return was sent to Goldman Sachs Several times. XXXX is known for this issue, after reviewing online. I found several customers who are having this same issue with their XXXX XXXX and XXXX not wanting to do anything about it. The product was received like this. I don't know if this was in shipping or how their warehouse shipped it out. I contacted and notified XXXX right away of the damages to " not being able to locate my account '' and the item wasn't returned in prestige condition, but how could it be returned in prestige condition when this was received by me like this. I do not have around $ XXXX for a bag that was received damaged/defective. I have sent all proof to Goldman Sachs, but they now want me to take this in to get it documented, but how? I can't take this into a leather treatement business around me when I don't have the item.
Company Response:
State: CA
Zip: 93004
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
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: On XX/XX/2023, I purchased a comprehensive " move-out cleaning '' package for my apartment and paid for the purchase using my Apple Card. Shortly after the job was " finished '' I inspected the quality of the service, and more than XXXX of the apartment was NOT cleaned or even touched. Immediately I contacted the company ( XXXX XXXX ) about my dissatisfaction, but they refused to offer monetary compensation. Following this, I initiated a dispute with Apple Card/Goldman Sach 's whom did not perform a thorough investigation into the matter. I have several photos of the unclean apartment and eye witnesses including the landlord of the complex which can testify about the condition of the apartment. Unfortunately, it looks like Goldman did not look at the facts objectively given there is an overwhelming amount of material suggesting the apartment was not in fact cleaned to a reasonable satisfaction.
Company Response:
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Signed up for Apple credit card XX/XX/XXXX via email from Apple/goldman sachs . Promotion was spend XXXX $ within 90 days upon approval and get XXXX $ back via XXXX XXXX ( Apple XXXX ). Have exceeded that spending threshold well within time. Have also contacted them several times via telephone and chat support. They wanted proof of this promotion and seemed like they had no idea what it was. One XXXX search will tell you all about it. I have been told several times there has been an inquiry opened and will be solved within ten days by several associates. Never did that come to fruition. This has been going on for a couple months. This shouldnt be an ordeal all for a XXXX $ bonus.
Company Response:
State: OH
Zip: 43068
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: WHAT HAPPENED I applied for an Apple Card on XX/XX/XXXX on my iPhone and provided a copy of my state identification card. I got an email the following day stating that my application was denied because " we are unable to verify your identification information ''. I checked the information and applied again on XXXX with the same result. I called Apple Card support ( XXXX ) on XXXX to find out what was wrong ( I have a XXXX XXXX so gave permission for my husband to speak for me ). The representative told me to check that all my information was correct ( on my iPhone, Apple ID etc ) and be careful with uploading my ID card. I tried again using the Apple website and again got the " unable to verify '' email. My husband and I carefully checked our credit reports at all three credit bureau ( XXXX, XXXX XXXX XXXX ). All our information was correct. The only possible problem could be that XXXX had our previous apartment number as current despite also listing the more recent unit ( we moved within the same building one year ago ). We contacted XXXX to make this correction. Before applying again on XX/XX/XXXX, I called Apple to check if it was OK to proceed. The rep encouraged me to do so but my application was again denied because " You have applied a number of times and we can not verify the information you have provided at this time ''. I called back and was told that I should wait a couple of days and then apply again. To be safe, I waited until XX/XX/XXXX before applying again but was again got the " ... number of times ... '' email. I called Apple again to ask why this had happened after I had carefully followed their instructions. The rep said that she would transfer me to Apple ( XXXX ) to get help with the identification process. The new rep said she was with Apple support, didn't know why I'd been sent to her, and would transfer me to " Goldman-Sachs XXXX XXXX In fact, this was back to Apple Card because, while the reps pretend they're speaking for the bank, they don't! This time, the rep told me that I should wait for 2-3 weeks before applying again. I asked to speak with a supervisor and explained the situation but was told she could do nothing. MY COMPLAINT Apple Card 's automated application system is like playing the lottery. Their representatives can not help and so are restricted to giving tips rather than providing factual advice to help customers solve problems that may occur. I was not told why my identification was unsuccessful, encouraged to try multiple times, and then prevented from applying again due to an unrevealed limit. This is not the way a serious and fair bank should operate. My husband applied in XXXX and was approved within minutes! We have the same addresses, high credit scores and income so why should I have so much trouble?
Company Response:
State: PA
Zip: 19103
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Hello, My Apple/Goldman Sachs Mastercard account was hacked last week. The perpetrators got into my Apple Wallet and started using my cards. I was contacted by Apple/Goldman Sachs , the gentleman 's name was XXXX XXXX XXXX who said they had to investigate the situation. They blocked the transactions and said it would take a few hours to rectify. Its been now 5 days and all they can tell me is that they are investigating and it will take more time. They says they will call me back at the end of the day and never do. Since then they have locked me out of all my XXXX accounts. They have not been helpful in anyway. I can not get to my email and so I contacted Apple who said they could not help in this situation. I am extremely frustrated at the poor communication and service by the Goldman Sachs credit card unit.
Company Response:
State: NC
Zip: 27517
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Marcus Goldman Sachs incorrectly reported a 30 XXXX late payment on my credit report. I have made several payments within the 30 day gace period permitted after the due date, I asked for a full payment history of my account and never received it. Upon making the payment within the 30 day frace period i was told by the customer representative that I was within the 30 day grace period. Therfefore there would be no delinquent reporting in XX/XX/2023.
Company Response:
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My XXXX was stolen from me and was used to make fraudulent charges as well as open a new credit account. They bypassed all of the built-in security measures that the XXXX is supposed to have.
Company Response:
State: LA
Zip: 704XX
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Billing Error amount of {$2400.00}. XXXX of the errors are late payments, under an open-ended consumer credit plan, which is against the law. The next one is security fraud. They are never credited my account for certificate of indebtedness. The company did not credit my account for dividend payment that they have made off my treasury coupon. Via Electronic Transfer Act of the interest of my coupon. My billing dispute past, current or future certificate of indebtedness while under this contract. Also want my securities sent to me via check.
Company Response:
State: NJ
Zip: 07111
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Subject : Complaint Against Goldman Sachs Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Goldman Sachs regarding a matter that has significantly impacted my financial standing. I appreciate your attention to this issue and seek your assistance in resolving the situation. On XX/XX/2023, I accepted the payment presented by Goldman Sachs, considering it as an implicit agreement to the terms presented. I have evidence that I sent a second notice to Goldman Sachs on XX/XX/2023 seeking clarification, resolution and an opportunity to cure this matter. On XX/XX/2023 I sent a notice of dishonor and estoppel which I have all three letters and return receipts proving that Goldman Sachs received my correspondence. Unfortunately, I have not received any response from Goldman Sachs, leading me to believe that they have accepted the terms outlined in my letter. Despite this tacit agreement, I am now facing adverse actions from Goldman Sachs, particularly in their attempt to negatively impact my credit score. I find this action to be unjust and in violation of the understanding I had assumed through the acceptance of their payment. At your request I will provide copies of the relevant documents, including my letters to Goldman Sachs and any correspondence I have received from them. I kindly request that you investigate this matter thoroughly and take appropriate action to remedy the situation. I trust that the Consumer Financial Protection Bureau will act diligently to ensure fair and just resolution in this case. Please keep me informed about the progress of your investigation and any steps taken to address my concerns. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Company Response:
State: CA
Zip: 96003
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A