Date Received: 2020-05-05
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 have the Apple credit card through Goldman Sacks. On XX/XX/XXXX, there was a charge of {$300.00} from a company called XXXX. This was a charge I did not make and I immediately called Apple Card, they put the charge under review. On XX/XX/XXXX I was charged again, Apple said they ruled in the favor of the merchant. I have called at least 6 times and can not get this resolved, all they say is we understand your frustration. XXXX is a food delivery service, that does not deliver any-where in XXXX XXXX Florida.
Company Response:
State: FL
Zip: 32082
Submitted Via: Web
Date Sent: 2020-05-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-04
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: Reached out to Apple for an interest rate adjustment. They declined. I replied that I will be closing out my account once I have paid off the loan. They asked if I would like to close it today. I agreed. ( XXXX ) Went to perform a balance transfer today ( XXXX XXXX ) my access to account information through Apple was blocked. I have no account information to perform balance transfer. I reached out to customer service though the app. They declined to help. I called customer service. They were not willing to provide me with the correct card information to perform a balance transfer. Supervisor told me the accounts closed. We will only take cash. The interest is still payable. I do not find the fact that they will not allow me to transfer money to another bank as an appropriate tactic that a credit card company should be using. I feel AppleGoldman Sachs stating to close the account right away after I had mentioned I would be closing once I transferred the balance out was a predatory move to gain favorable financial position by increasing their interest payments. Customer service was not willing to partner to find a resolution. This is unfair business practice to be performing and I would like to see Apple and Goldman Sachs held accountable.
Company Response:
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2020-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-30
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 had made a purchase at a XXXX dealership for a service ( fixing my a/c ). I paid for the service up front, like the dealer requested. I had to leave town for work, when I came back the dealer sent back the parts for my car, so I spoke to the XXXX and he agreed to refund me for the services, given that I never received them. XXXX never refunded me, so I took it with XXXX XXXX Credit Card and dispute it. They returned saying that the dealership had enough proof that I made the purchase. However they refused to see that through the whole time I talked to them about the dispute, I mentionedseveral times, I never received the service. I made the purchase and never got the services. When requested proof of the investigation. They had none, only that I made the purchase. No proof of the dealership saying I received the services, the only thing I got was we can do nothing.
Company Response:
State: VA
Zip: 22192
Submitted Via: Web
Date Sent: 2020-04-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-30
Issue: Money was not available when promised
Subissue:
Consumer Complaint: My transfers begin the XXXX if each month with Marcus By Goldman Sachs accounts. They give customers 6 transfers. I logged into my account and scheduled a transfer for XX/XX/2020 and the message I got was letting me know they were blocking my account from legal transactions and were not giving the money to me as promised by contract. Attached is an image of what the screen showed each time I tried to schedule for XX/XX/2020. They blamed it on their website which is not true this is how they deny XXXX customers their money.
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2020-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello, On XX/XX/2019 I called Goldman Sachs asking to close my account and they confirmed they did ; however, it keeps showing in my XXXX credit report and everytime I file a dispute it keeps showing the wrong information that my account is still open with a balance. I have called both companies and they are both asking me to do things none of them do. It has been an ongoing issue without finding a solution.
Company Response:
State: MN
Zip: 55038
Submitted Via: Web
Date Sent: 2020-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-28
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Marcus by Goldman Sachs offered a {$100.00} bonus after opening an account and depositing {$10000.00} and maintaining that minimum balance for 60 consecutive days. The promotional bonus would be given within 14 days of fulfilling the bonus requirements. I opened the account on XX/XX/2020 and completed the minimum balance funding on XX/XX/2020. 60 days should be approximately XX/XX/2020. I contacted Marcus by Goldman Sachs today, XX/XX/2020, because I had not received the promotion and was told that I was ineligible for the promotion as they did not have a note of it on my account. Even though I signed up for the offer and completed the terms, Marcus by Goldman Sachs is refusing to honor a promotion that they had advertised.
Company Response:
State: CA
Zip: 92656
Submitted Via: Web
Date Sent: 2020-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-24
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I took out a loan with Goldman Sachs on XX/XX/20, I paid off the loan on XX/XX/20. It was for XXXX and needed an additional XXXX per the rejection letter it says that I have an existing loan and the time is too recent. When I called for additional information because the letter is not clear. No one can give me explanation and I am trying to find out. They just saying that they would escalate the issue but nobody is doing what they saying they going to do. They are saying its a system issues but the sales reps can fix. I called them the company on XX/XX/20, XX/XX/20 and XX/XX/20.
Company Response:
State: AR
Zip: 72118
Submitted Via: Web
Date Sent: 2020-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-23
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Apple, Inc. offers a credit card, the Apple Card, which is issued by Goldman Sachs. One can apply for the Apple Card from the XXXX app on their XXXX, which I have done more than once. My application has been denied each time ( most recently today, XX/XX/XXXX ), and each time I have received an email explaining the reason for the decision. In every email, the reason is " You have recently been past due, '' and my credit score is displayed as XXXX ; each email states that the score was obtained from TransUnion and provides a phone number to call XXXX with questions. Every time I receive this email, the same information is displayed ; I will attach a copy of the most recent email I received regarding the decision made by Goldman Sachs based off the information they received from TransUnion on XX/XX/XXXX, which I am attesting is inaccurate. At the time of this writing, I am currently and have been on hold with TransUnion for over eight hours cumulative, and my credit score -- as reported for free through the XXXX XXXX app and provided by TransUnion -- is XXXX ( a screenshot will be attached ). I have not been late on any non-medical payments in two years, which is reflected in my Credit Karma app ( I have also attached screenshots to support this ), and the XXXX credit score lines up with my credit history from approximately two years ago -- I have access to free copies of my credit report through XXXX XXXX going as far back as XXXX, and although I haven't always used XXXX XXXX as frequently as I do now, there's a score of XXXX around the time I imagine this score of XXXX might fit. I called TransUnion earlier today ( XX/XX/XXXX ) using the phone number provided in the email I received. I waited on hold for an hour and explained my situation to the representative who took my call. She stated she could sell me a copy of my credit report for {$9.00}, but for my security she couldn't give me any information over the phone. When I expressed disappointment, she stopped speaking to me for at least two minutes. When I asked her how she expected the call to end because I had no intention of hanging up, she hung up on me. I called back from the same phone number XXXX my personal mobile phone number ) and waited for another hour, asked for a supervisor, and have since been waiting for over seven hours with no answer and no further guidance. I know that currently, due to COVID-19, they are operating under alternate hours, and they " close '' at XXXX Eastern ; I live in Arizona, so at the time of this writing it is XXXX XXXX Arizona time and they are closed, but I am still waiting on hold. I will continue to wait as long as I must to get an answer, or until the call disconnects, because I need guidance regarding why my credit score is being reported by one company, TransUnion, to two different companies as two different scores.
Company Response:
State: AZ
Zip: 85014
Submitted Via: Web
Date Sent: 2020-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I paid off this card to a XXXX balance on XX/XX/2020. I contacted Goldman Sachs on XX/XX/XXXX to inquire about closing dates and when the updated balance will be reported to the credit bureaus. The answer that I was given was uncertain but the agent opened an internal dispute to look into getting the information updated. After not hearing anything back, I filed a dispute with XXXX in early XXXX and Goldman Sachs incorrectly reported this information as accurate. As of today, XX/XX/XXXX, the account is still showing an incorrect balance ( {$2400.00} ) thus affecting my credit score and my ability to make purchases. I contacted Goldman Sachs again today and the agent that I spoke with stated that the previous investigation was closed and that she will reopen another. According to my records, Goldman Sachs has not reported anything to the credit bureaus since XX/XX/2020.
Company Response:
State: LA
Zip: 704XX
Submitted Via: Web
Date Sent: 2020-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-15
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Marcus by Goldman Sachs has refused to payout my {$100.00} savings bonus for maintaining $ XXXX for 60 days. They allege that I was deemed ineligible for the bonus as I had apparently made an ACH withdrawal the same day I enrolled for the promotion. I totally forgot about this, certainly an honest mistake. However, XXXX should have performed due diligence and informed me ASAP that I was no longer eligible as I am effectively tying up $ XXXX for 60 days under the FALSE impression that I was still eligible. This is misleading and deceptive practices and completely unprofessional.
Company Response:
State: HI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-04-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A