Date Received: 2020-01-06
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 used my Apple Card running by XXXX XXXX, to purchase some furnitures at XXXX for a value of {$2100.00}. However, XXXX told me that a carpet valued $ XXXX was out of stock and they have already put a credit on the file for me. However, until today, I never received it. I tried to call XXXX 's customer service for more than 100 times literately and their call was so busy and can never been reached. I disputed this $ XXXX with Apple Card and provided them with the document I got from XXXX. However, after two-month investigation, they rejected my case, claiming that they had got some evidence from XXXX. I asked them to provide me with the evidence and apple card promised to mail it to me, however, they were never able to provide me with that. After communication, they rejected to serve me about this case without any specific reason and I did not get any evidence until today. I called them today, but they still claim that the evidence is still not available and they are not clear about the specific reason. They are hurting my right seriously right now with ignorant altitude.
Company Response:
State: MA
Zip: 02148
Submitted Via: Web
Date Sent: 2020-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-05
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: Hi my name is XXXX XXXX and I want to make a dispute about my credit score. In the past few years I was applying for a lot of banks and credit unions because I have no god experience with everything that Involves with credit back then now I have know about credit. So I writing this to help me fixed my credit score back to normal and have good advice to keep a good credit score.
Company Response:
State: NJ
Zip: 07666
Submitted Via: Web
Date Sent: 2020-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-03
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/XXXX ( {$960.00} ) and XX/XX/XXXX ( {$900.00} ), I purchased an XXXX ( 2 total ) with the Apple Card. I specifically asked for the installment plan on both ( see attachments ). I did not get the installment plan on either. I got a {$1800.00} balance due on the card. I spoke to the Goldman Sachs rep via secure chat ( see attachment ) and was told in writing they would fix this. Today, on XX/XX/XXXX, I was told by Goldman Sachs their rep was wrong, and they will not fix it. This is classic bait and switch on a promotional offer.
Company Response:
State: UT
Zip: 84062
Submitted Via: Web
Date Sent: 2020-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-03
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: My name is XXXX. I am a XXXX at the XXXX XXXX of the University XXXX XXXX. I was born in XXXX and have filed tax returns for many years with my US issued Social Security number. I have had bank accounts at XXXX XXXX ( now XXXX ) and XXXX XXXX XXXX. Today, I tried opening a CD account with Marcus by Goldman Sachs on XX/XX/20, and my application was declined because their system could not verify my identity. I spoke with a supervisor named XXXX who proceeded to explain that Marcus will not take my money because its system can not prove that I am who I say I am. I provided my social security number and every other piece of information for which they asked, so I do not know how it is possible that my identity can not be authenticated. I offered to provide XXXX more information to prove my identity such as a scanned photo of my passport, driver 's license, and my current bank account information. She refused. I am very disappointed and have never come across an issue like this before : a bank rejects the money of a perfectly contributing, tax paying American citizen who is a student at one of the nation 's top universities. The fact that their system could not verify my identity in public or private records indicates that their system is either flawed or pulling information from the wrong records. In either case, it's detrimental to the consumer. My mother is a XXXX XXXX at one of the largest bank 's and was baffled by this situation. Marcus and Goldman Sachs need to review their policies and procedures and address situations that lead to ridiculous outcomes such as the one today.
Company Response:
State: PA
Zip: 18940
Submitted Via: Web
Date Sent: 2020-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-02
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: THIS APPLE CARD APPLICATION WONT VERIFY ME ITS NOT WORKING I CALL THEM TO TELL THEM THEY DONT FIX IT TELL ME REAPPLY AFTER 30 DAYS I WAIT SAME RESPONSE THEIR SYSTEM WONT VERIFY ME OR ALLOW ME TO APPLY HOW IS THIS FAIR AND GOLDMAN SACHS WONT DO ANYHTING TO ADDRESS THIS
Company Response:
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2020-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-01
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I wanted the card to get the six percent rewards on Apple products for holiday. I sent in all of my information the application requested via my XXXX, I removed the freeze from my credit report and included my drivers license ( front and back ) showing my current address. I was approved for the credit card with a {$15000.00} credit limit. I ordered the physical card which was received and activated. I used the mobile pay to make purchases at XXXX, a vending machine, XXXX, Apple Services, XXXX XXXX and XXXX XXXX XXXX totally {$41.00}. I paid the account immediately, I dont like to carry balances. These purchases were made XX/XX/XXXX - XX/XX/XXXX when for no apparent reason my account was restricted and placed under review. I contacted Goldman Sachs numerous times since then, on one occasion I was asked a series of identifying questions regarding my car color, boat length and the city of my alma mater ( which was not listed ). I even sent pictures of my XXXX XXXX XXXX and my XXXX XXXX XXXX. I noticed that they pulled my credit report resulting in a hard inquiry which remains on my report for two years. They finally reported to XXXX the account in XXXX ( a full two months after the account was opened ). They reported I had a {$10.00} balance and to date there have been no updates. I do not have any balance. They are pulling credit, lowering scores doing so, they then restrict the account and their response to the inquiry is, After looking into the account I show that it is currently under review and we will be reaching out once the review is complete. This is now XXXX and still nothing. They are damaging my credit with an account that is not usable, with outdated information and sporadic reporting. They are not providing ANY information on timeframe to resolution, or, for that matter, simply no information at all. I was unable to get the six percent rewards back for my Apple holiday purchases. I feel they are scamming people for information, damaging consumers credit and simply not doing what one would expect from a credit card provider. Its all some sort of scam.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-29
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: On XX/XX/2019, I tried to open a new savings account with Marcus ( Goldman Sachs Bank USA ). I received a message stating that I'd need to call the company the next day to provide further information. I did so on the morning of XX/XX/2019, and was informed that my application for a savings account was rejected due to security reasons. I asked for further information, but was told this was forbidden. This is not the first time I have had problems like this with Goldman Sachs.
Company Response:
State: VA
Zip: 23188
Submitted Via: Web
Date Sent: 2019-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-27
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Encouraged to sign up for Apple Card. Was told the 6 % cash back would be available with the card. Applied but wasnt told specifically about the timeframe for the offer term validity. Turns out offer is only valid through XX/XX/XXXX. Application was conducted in store on XX/XX/XXXX. Application was entered properly. Card app is now under review. Wasnt able to purchase product with cash back discount. Was encouraged to buy and then return by store employee. Seemed like a way to convince us to simply buy. Wouldve purchased either was but didnt seem fair. Was told by employee that approval would be on the spot. Contacted support and despite information being properly entered and no credit freezes, new loans etc taken out, the app is under review. Support stated that it would be several days ( which likely means week ). Store employee said it would be 24 hours. Not a fair process or way to gather new credit card users. Seems fairly predatory.
Company Response:
State: IL
Zip: 60056
Submitted Via: Web
Date Sent: 2019-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I opened my app for my Apple Card to see if I owed. It said XXXX payment is due. I clicked on it and it asked me for my thumb print. Next thing it showed was two payments were charged to my bank. On for around {$50.00} and another for over {$2000.00}. It also showed it already took XXXX payment a few days ago as well. I contacted Apple and they told me they cant return the money or cancel the payment even though I didnt agree to it. I can submit a dispute and they might refund the money. However I dont have {$2000.00} in that account and it is going to completely over draft my account. I didnt agree to these charges and they stole money I do not have! The bank is going to charge me so much for this.
Company Response:
State: TN
Zip: 37066
Submitted Via: Web
Date Sent: 2020-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/2019 1st I was notified by Marcus by Goldman Sachs Personal Loans that in these exact words : " XXXX, please read, weve enclosed details on how to reapply! Your Loan Options are Waiting. It won't hurt your credit to see your loan options. '' So i followed the instructions, I was denied a small XXXX XXXX dollar loan. The very next notification i saw was from my Credit Alerts : Heads up : You have new alerts on XXXX. How am i supposed to get hard inquiries off my report if they keep trapping me into getting them like this? I was set up
Company Response:
State: CO
Zip: 80011
Submitted Via: Web
Date Sent: 2019-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A