Date Received: 2020-04-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I disputed a charge on XX/XX/2020, on XX/XX/2020 I contacted the company to request they stop the dispute process. As of XX/XX/XXXX I am still not being allowed to make payments as they claim the dispute process is still on-going. I have contacted the company many times and nobody is able to provide insight or help me make a payment.
Company Response:
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2020-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had a balance of XXXX on my card and payed about {$1000.00} something back in the beginning of XXXX and my balance still hasnt updated it says that the company last reported in XXXX. I contacted the company and didnt really give me a answer just said to try and pay the full amount i even showed screenshots of my current balance. I made about two or 3 disputes to XXXX and it did change once but it went back to saying i still have a balance of XXXX out of XXXX a couple days later. Its already XXXX and it still hasnt changed my current balance that i owe as of today is {$180.00}.
Company Response:
State: CA
Zip: 90806
Submitted Via: Web
Date Sent: 2020-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have contacted the goldmansachs on several occasions most recent XX/XX/XXXX and XX/XX/2020 about the balance being incorrect ( I have a XXXX balance but they are reporting {$2400.00} ) as well as the payments being reflected incorrectly. ( all payments have been made on time ) They have not reported to XXXX ( the credit reporting they use ) since XX/XX/2020. This card has been paid in full since XX/XX/XXXX. I have started a dispute witg XXXX and both times they maintained my balance was {$2400.00} but when I spoke with goldmansachs they acknowledged my balance was {$0.00}. I have asked them to report the new balance. They said they would inly report that the account is in good standing and not report the balance as XXXX according to XXXX a goldmansachs specialist, because my account was XXXX and they felt they had nothing to report. Even tho she said they report monthly or every billing cycle. When I pointed out it had not been she repeated her original statement. And refused to report the new balance.
Company Response:
State: VA
Zip: 20112
Submitted Via: Web
Date Sent: 2020-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-09
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: XXXX XXXX apple card ( mastercard ) offered to allow customers to skip XXXX payment if the enrolled in customer assistance program, I enrolled and got a message a few days later that said I made a offline payment to them, upon further investigation I discovered they took my entire cash rewards balance. I immediately contacted customer service and complained and received an email acknowledging I was enrolled In customer assistance program and they returned the money from my cash rewards, yesterday while closing the card they told me my cash awards account balance was XXXX
Company Response:
State: CA
Zip: 94132
Submitted Via: Web
Date Sent: 2020-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-31
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Company closed my account unexpectedly and without notification on or around XX/XX/2020. When I called to inquire as to why ( after being embarrassed at a restaurant when my card was declined ) I was placed on multiple long holds after which I was told the account was closed due to " evidence of a previously financial crime conviction '' ( their exact words ). Neither I or anyone in my family have ever been convicted or even suspected/investigated of a financial crime, so this was a big shock to me. I was told via a email I received after calling in to inquire about the closure that evidence/documentation would be provided to me within 30 days ( the attachment stating that is included in this complaint ). It's been almost 90 days of this writing and I still haven't received anything. When I attempt to request the documentation via phone I have been told that there is only a general feedback form which doesn't require a response. I have just now submitted yet another request for documentation but the customer support representative advised me that I may or may not receive a response.
Company Response:
State: CA
Zip: 946XX
Submitted Via: Web
Date Sent: 2020-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-30
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I enrolled in their promotion for a {$100.00} credit after depositing {$10000.00} by XX/XX/2020 and keeping it there for 60 days. I deposited the money on XX/XX/XXXX after receiving my annual bonus from work. However, when I called to check on the status of the bonus I was told that I did not enroll in the bonus. Then after showing them the confirmation that I was enrolled, they then changed the story to say I wasn't eligible for the bonus since I had withdrawn money from the account on XX/XX/XXXX, which was before I enrolled in the bonus.
Company Response:
State: CA
Zip: 92064
Submitted Via: Web
Date Sent: 2020-03-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-27
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I signed up for the Marcus by Goldman Sachs savings account ( promotion which is {$100.00}. I deposited the required {$10000.00} on XX/XX/XXXX. The bonus tracker on the website said that I could withdraw the funds on XX/XX/2020 ( yesterday ) which I did. I called up today to inquire about my bonus and was told that I am not eligible because I was supposed to keep the funds until the end of the day on XX/XX/2020. I informed them that the bonus tracker did not say that. It simply said " withdraw funds on XX/XX/2020 '' and you are eligible for the bonus ( which I did ). I am eligible for the bonus because the bonus tracker literally said it was ok for me to withdraw the money on XX/XX/2020 which is what I did. I noticed that the bonus tracker is not showing on my account today or I would take a screenshot of it. Please credit my account the {$100.00} as promised. This is my second time doing a bonus with Marcus by Goldman Sachs and the first time I did the bonus I did get paid for it. If I do not get paid I will not do another bonus with Marcus by Goldman Sachs and will file another complaint.
Company Response:
State: NY
Zip: 10465
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/2020 Received notification that Goldman Sachs Bank had made a hard inquiry of my credit report from XXXX. There is no reason this should have happened since I have not applied for, or been granted, credit by anyone in over a year. I phoned XXXX the same day. They informed me that I should contact Goldman Sachs. Phoned GSB to notify them of the error. They requested that I send physical documentation including a printout of my credit report, and a letter stating the problem. They said that once these documents were received they would resolve the problem. I complied fully. XX/XX/2020 Mailed all documentation requested to Goldman Sachs address provided by the company. XX/XX/2020 Phoned GSB customer service. Spent 90 minutes explaining the problem. I received promises that the problem had been documented and that someone would email me with an update within 48 hours. No update was ever sent. XX/XX/2020 Phoned GSB customer service. Spent 2 hours re-explaining the problem and providing more of my personal information they claimed was necessary to resolve the problem. This time I demanded that the call be escalated to a supervisor. During this call I was told that the person who applied for credit used my SS # but her name was XXXX XXXX, and that none of her other information matched mine. Knowing that it wasnt me I was assured that the entries to my credit report would be removed quickly. This time I requested a case number so that I would not have to keep repeating the problem every time I called. I was provided with a 6 digit reference number that I was assured would allow the representative on any future call to access the case details. The representative took my phone number and promised that he would personally call me within 24 hours to confirm that the issue had been resolved. No call ever came. When I asked to speak with him during the next call they said that no one by that name worked there. XX/XX/2020 I was alerted once again by my credit monitoring service that a new account had been opened under my ss #. I viewed my credit report to learn that GSB had now opened the account for the person they had already identified as having made the fraudulent application. It was an Apple charge card with a {$10000.00} credit limit that was now listed among the other credit I was responsible for. XX/XX/2020 Phoned GSB customer service. I provided the case number I had been given, but was told that customer service agents had no access to that information, and that I would have to explain the problem all over again, and provide all of my personal information, before they would help me. This call was escalated twice to supervisors who said they were working on the problem. They refused to provide me with any promises or even assurances that this account would be removed from my credit report. Each rep I spoke with claimed that they did not have the authority to remove anything from my credit report, and that the people who did have that authority could not be reached by phone. XX/XX/2020 Updated notice on the fraudulent account says that a balance transfer is pending. XX/XX/2020 Filed a dispute with XXXX notifying them that the Apple Card from GSB was fraudulently opened using my SS #, and that GSB refuses to close the account or remove the items from my credit report. This report is also being filed on XX/XX/2020. This covers a period of almost one month during which I spent over 6 hours on the phone with GSB ( one time on hold for over 30 minutes ), and divulging all my personal information to them while receiving no action on their part to resolve this issue. It is pretty shocking that Goldman Sachs Bank would authorize the inquiry to my credit report based on no matching information except my SS #, and that they then would authorize the opening of an account with a {$10000.00} credit limit to a person that they knew had fraudulently applied for credit. Apart from that being a stupid way to run a business, they apparently don't care who they damage in the act of making money.
Company Response:
State: OR
Zip: 97520
Submitted Via: Web
Date Sent: 2020-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-23
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My Marcus by Goldman Sachs savings account locked me out while performing a normal password change request. It made me generate a pin 6 times and locked me out by the 3rd pin request. When I called XXXX to have my account unlocked they lied to me and told me the website is not working properly. However my coworkers all logged in without any issues whatsoever. Attached is what they showed me upon requesting a pin for login. The XXXX and XXXX employees working in the NY call center are stealing government funds from XXXX XXXX and did not want to be caught. They stole one of my deposits as I have in an email that I received 2.
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2020-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-20
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: Goldman Sachs - Apple Credit Card : Fraudulent Charges : Refuses to refund unauthorized charges. In violation of The Fair Credit Billing Act ( FCBA ) and the Electronic Fund Transfer Act ( EFTA ) The account is being reported to credit agencies as late but all charges on Credit Card are due to unauthorized charges which Company refuses to provided documentation from the merchant. I have been requesting Documentation of resolution since XX/XX/2019, Apple Card has violated its own policy 's which state that they will provide all documentation in a timely manner when requested. I have contacted a requested this documentation every 2 weeks from Apple Credit Card since unauthorized charges happened.
Company Response:
State: CA
Zip: 92131
Submitted Via: Web
Date Sent: 2020-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A