Date Received: 2020-02-12
Issue: Problem when making payments
Subissue:
Consumer Complaint: I paid a payment on time on XX/XX/20 the about Was XXXX and on XX/XX/20 the Amount I paid was XXXX and all the transactions were valid ... then a couple days later It declined my transaction because I wasnt aware that the funding source I paid it with wasnt valid .... But!!! The transaction went through. A couple days later they declined the payment and made it seem like it was a late payment but it Really Wasnt ... so I was wondering if you guys can help me out with that a problem, Because it wasnt my fault that I didnt know that the funding source was invalid, Even though I paid it and the Transaction went through and it made my credit score dropped 59 points ...
Company Response:
State: WI
Zip: 53209
Submitted Via: Web
Date Sent: 2020-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-12
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/2020, I was attempting to purchase a computer at XXXX on my Apple Card. The purchase was declined. I talked with multiple representatives at Apple/Goldman Sachs ( the underwriter for the card ), but was unable to use the card, even though the purchase was well below my limit. The credit card rep could not give a reason as to why the purchase would not work. I ended up using another card after spending about 50 minutes on the phone with the credit card company trying to get the issue resolved.
Company Response:
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2020-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-12
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: The Company provided a Fraudulent statement lied to you a federal Agency. FBI, Metro PD and FTC already ruled that they in breach of Federal Law and committing Federal Banking Fraud. This what they wrote to you : " CFPB Response XXXX # XXXX ( Recd XX/XX/2020 ) Goldman Sachs Bank USA received the above-referenced complaint related to the Apple Card via the Consumer Financial Protection Bureau ( CFPB ) Complaint Portal on XX/XX/2020. We appreciate the opportunity to address the issues raised by Mr. XXXX XXXX and the CFPB. Mr. XXXX complaint references the treatment of Daily Cash for returns. The Apple Card Customer Agreement details the handling of a return on an Account, including that the Bank will charge an Account an amount up to the amount of any Daily Cash accrued for the transaction ( s ) related to the return ( a Daily Cash Adjustment ). Mr. XXXX made a purchase and earned Daily Cash. When the Customer returned the merchandise, the Bank charged a Daily Cash Adjustment, as the Daily Cash he previously earned was already transferred to his Apple Cash account on XX/XX/2020. Based on the above details, we kindly request this complaint be closed. '' This the reality. The Merchandise was never returned. The computer is in my possession. XXXX XXXX AFTER SPEAKING WITH GOLDMAN SACHS ON THE PHONE IN PRESENCE OF WITNESSES who submitted sworn affidavit to the FBI Also. XXXX advisor asked me to return it and repurchase it to gain additional discount when I went to purchase XXXX XXXX. I told them what about my cash they got Goldman Sachs on the phone and GOLDMAN SACHS representative in the presence of the witnesses that I get to keep my cash back if I di what I am told by XXXX. Please see attached the proof that the merchandise was repurchased with the receipt and that it is registered to me with the XXXX XXXX Document. I have published this fraud to MEDIA OUTLET SO that other consumers do not get frauded by GOLDMAN SACHS LIKE I AM VEING FRAUDED AND ABUSED Additionally, their supervisor had agreed to put this under investigation and someone was supposed to call me and it never happened THE RECEIPT AND XXXX XXXX EVIDENCE BELOW SHOWS YOU THAT I ABIDE BY THEIR TERMS AND CONDITIONS!!!!!!!
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2020-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: goldman sachs opened XX/XX/2017 remarks charged off as bad debt balance {$10000.00}
Company Response:
State: VA
Zip: 23454
Submitted Via: Web
Date Sent: 2020-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-06
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Apple Card " Goldman Sachs '' Mandatory needing an Apple mobile device to view the current or past transactions, pay or view the amount due, or challenge transaction. Nowhere in the documentation that this is described. Refusal to send paper documentation regarding transaction disputes and monthly statements when no Apple Device is available to view this information, notification was sent to Apple Card " Goldman Sachs '' and also by phone to describe issue but they refused to send information even stated that I must buy an Apple mobile device to see all statements regarding Credit Card.
Company Response:
State: CA
Zip: 92131
Submitted Via: Web
Date Sent: 2020-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I had my cell phone and wallet stolen while attending a medical conference in XXXX XXXX, LA XX/XX/XXXX. When I arrived home on XX/XX/XXXX and ultimately had access to the internet, XXXX XXXX informed me via email that a new hard inquiry appeared on my credit report. I discovered that a Goldman Sachs Apple Card had been opened in my name and that {$4700.00} had been charged. I immediately contacted Goldman Sachs and Apple to inform them of this fraudulent activity. I was advised to change my log-in information and informed that I would not be responsible for fraudulent charges and that the account would be closed. They requested that I document this information on IdentityTheft.gov and submit this information to XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX. I completed this information and submitted it to them the subsequent day. I filed a police report with XXXX XXXX Item : XXXX. I froze my credit and created fraud alerts with all three credit bureaus. Over the last several months, I have contacted Goldman Sachs countless times without any hint of a resolution. I filed a dispute with XXXX on XX/XX/2020. Unfortunately, the result was that the disputed information was somehow verified as accurate. I then received an email from Apple Card on XX/XX/2020 that said my Apple Card account was 48 days past due and that my past due balance was XXXX. This was the first time I had received anything in writing from Apple or Goldman Sachs. I spoke to Goldman Sachs at least five additional times including supervisors all of whom say they have 'escalated the situation ', that I should not be receiving these bills but that I should just continue to call back in a few days. I again filed a dispute with XXXX XX/XX/2020. I reviewed my credit report today after I was notified of a drop in my score to find that my payment history now includes my first ever missed payment.
Company Response:
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2020-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-04
Issue: Managing an account
Subissue: Problem with fees or penalties
Consumer Complaint: Opened on line cd account on XX/XX/2020 around XXXX with Marcus bank of Goldman Sachs on line and called back at XXXX XXXX and XXXX XXXX to make a stop on transferring funds of $ large amount from my bank. I called the number provided by the website and that turned out to be a call center. I asked if I should make a stop order with my bank but the call center personal told me that they can do this fro their end and that I need not have to take any action by me talking to my bank. She asked me to check in couple of days.At this time funds were still pending in my account on XXXX of XXXX. So I was thinking they got my request and stopped opening my cd account. To my surprise the funds went to Marcus bank upon checking my account on line. Again I called on XXXX at XXXX pm, to same number provided by Marcus and of course found different personal to answer my phone and told me it might get two to three days to get approval to return my funds without penalty.. They would not call me or send email on their action and I need to call them back and check. I called back on Tuesday XXXX morning at XXXX XXXX since no funds were deposited back back to my were they were originated. I was still given the prototype answers and refused that I can talk to their supervisor on duty. Since the call was answered by call center, I requested if they can connect me to the bank directly or can put me in touch with the bank manager/officer. My request was not honored and told me to check back now after two to five business days. I called back again on Friday XXXX XXXX and was told still being investigated by a special department and might take another 2 to 5 business days. Now I was worried since my daughter just had a baby and was in need of financial help. I called back today morning on XX/XX/XXXX to check and was told the penalty would be simple interest for 270 days. Please note that I called to cancel my account before getting funds from me and now they are trying to rob me with that penalty. I strongly demand that my funds of XXXX is immediately returned to my account and stop kiting with my funds that was stopped within an hour of request of opening account.
Company Response:
State: TX
Zip: 75070
Submitted Via: Web
Date Sent: 2020-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In CFPB complaint XXXX Goldman Sachs lied. Has not updated info as stated. See screenshot.
Company Response:
State: KS
Zip: 666XX
Submitted Via: Web
Date Sent: 2020-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My account with Goldman Sachs Apple Card is settled and closed with a balance of XXXX. Despite this, the information on my XXXX credit report is four months out of date.
Company Response:
State: KS
Zip: 666XX
Submitted Via: Web
Date Sent: 2020-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-04
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/2020, Marcus by Goldman Sachs opened an account illegally online without my permission. The company used my name, birthdate, social security and opened an online Goldman Sachs savings account. I called the company on XX/XX/2020 and spoke to four different people regarding the fraudulent account. The names of the people XXXX, XXXX, XXXX and a specialist in the Fraud Department. I told them that a false, online savings account was opened in my name and I was upset that they would do this without actually doing some investigative work regarding the person being a robot, a thief or an actual, qualifying person. I was told that it doesn't take any money to open up an account and that is how most banks do their banking. I mentioned that all three credit monitoring companies have been frozen for several years and I also have XXXX which when checked tells the banks of any identify theft problems regarding the account. After talking to several representatives of Marcus by Goldman Sachs, they said they will investigate and close the account. I am very wary that this account may not be closed and that is why I am submitting this complaint. What bothers me about banks letting accounts to be opened, they send a statement that you will be held responsible for this account, even though you did not open it. It takes the online person minutes to open and it takes me days or weeks to close these accounts. The rules of the system must change and the banks seem to be indifferent regarding this and do whatever they want to do.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A