Date Received: 2019-10-18
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I applied for the XXXX XXXX in early XXXX and applied multiple times due to paying off other debt and wanting to see if the rate would change. I get a message that says I applied too many times. I contact support and am told to wait 30 days. This was on around XX/XX/2019. I wait 30 days and receive the following email from Goldman Sachs " Thanks for your interest in XXXX XXXX. Goldman Sachs Bank USA has reviewed your application, and it was not approved at this time because : You have applied a number of times so we can not verify the information you have provided at this time If you believe this decision was made in error, please re-attempt the application : Ensure your personal information ( legal name, SSN, birth date ) is accurate and matches your ID, if provided If you were asked to verify your identity with your Driver 's license or State-issued Photo ID, make sure : You are capturing the image clearly You position your Driver 's license or State-issued Photo ID in the frame, place it on a dark surface, and make sure lighting is adequate with no glare Your ID hasn't expired '' Same message as before the 30 days. I ask them to open an investigation into whats going on with my apllication and get no solutions or suggestions. Just " Try again '' type mentality.
Company Response:
State: CO
Zip: 80016
Submitted Via: Web
Date Sent: 2019-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: XXXX Is misleading information fcra violation Gold man car and FTC violations
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2019-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-14
Issue: Getting the loan
Subissue:
Consumer Complaint: Theyre back at it again, I thought we had a handle on it, they gave you a response a few months ago addressing this matter. There are no loans for me there.
Company Response:
State: CT
Zip: 06066
Submitted Via: Web
Date Sent: 2019-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-12
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: Actually, XXXX has restricted my XXXX XXXX account since XX/XX/XXXX saying that there's some unusual activities without any reason. So, without any letter, any explanation they restricted my account. Now, in XX/XX/XXXX, I got XXXX Mastercard and bought a phone which gave me 3 % cashback, also I am using apple card everyday and get 2 % Cash Back. These all cash back goes to XXXX XXXX and I am not able to use it because of that restriction, so what to do now? I don't have any way to use it. I am pissed off and calling back and forth every time. I need solution for that. Please provide solution for that. They arrongantly says that's our terms and condition. Without reason They can't just restrict my account.
Company Response:
State: IL
Zip: 60148
Submitted Via: Web
Date Sent: 2019-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-11
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/2019 I filed a dispute with XXXX for merchandise that I did not receive. The visa card is issued through Goldman Sachs and is called XXXX XXXX. The company stated it would issue a provisional credit while it investigated the claim. A month later, no credit has been applied to my account and the dispute has not been resolved. I contacted the company on XX/XX/2019 and was told that a technical error occurred that had delayed the processing. The company then further stated that it had resolved the dispute and issued the credit. This is false, The funds and transaction are both missing from my account, and I am unable to use my card for any purchases.
Company Response:
State: AZ
Zip: 85345
Submitted Via: Web
Date Sent: 2019-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-07
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XXXX XXXX. Goldman Sachs Bank will not accept and is unable to process applications with a Real ID Star. I have made dozens off attempts and have received zero acceptance. Apple does not have a work around no paper nor do they have the ability for human intervention to process the application. WWW.DHS.GOV the department of homeland security requires everyone who travels by air by XX/XX/2020 will be required to have one of these ID cards. I am an airline pilot so I have upgraded to the new ID. Yet XXXX and Goldman Sachs are discriminatory to those who are in compliance. This is also a strike against American Ideals through liberal politics. The foundation of a real ID is that it is secure and your citizenship is verified. This company is creating consumer demand through a product it credit card then limiting it to only those who have delayed compliance with a Department of Homeland Security Mandate.
Company Response:
State: AK
Zip: 99516
Submitted Via: Web
Date Sent: 2019-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-04
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: XXXX/Goldman Sachs is charging me {$18.00} for an Interest Charge. However, I attempted to pay my balance which was due on XX/XX/2019 of {$200.00} and mistakenly entered in {$200.00}. I'm being charged {$18.00} interest for a shortfall of {$2.00}. It seems like an exorbitant rate of interest. This is a new credit card and a new credit card company ( Goldman Sachs ) and the agents I've been speaking with do not seem to have any procedures for helping me out when I contact them. Some of the agents agree it is an erroneous charge but are unable to change it. Please help. Thanks, XXXX
Company Response:
State: CA
Zip: 91320
Submitted Via: Web
Date Sent: 2019-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: This bank treats me horrible their customer service doesnt understand what identity theft is I have applied for the XXXX XXXX once and now due to so many applications they refuse to process my valid one and the fraudulent ones delete from their system they want me to wait 40 days to reapply their crazy
Company Response:
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2019-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-02
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I closed my 401k account with Goldman Sachs as I was XXXX XXXX XXXX XXXX. I decided to take a lump sum distribution in the amount of $ XXXX and GS processed this on XX/XX/XXXX. I have been working with them for over one month to try and obtain the funds. Initially, they told me it would take about 3-4 business days for the ACH to be processed and received by my financial institution ( XXXX ). However, by mid XXXX I still had not received any funds. After calling Goldman Sachs back to check on the status of the transfer, I was told it had rejected and they had automatically issued a check, however this went to an incorrect address. I had them update the address on XX/XX/XXXX, and stop and reissue a new check. As of XXXX, I still have not received any check. I requested another ACH or wire transfer and was told that wasnt standard procedure, but they would look into it. I am at a loss, I needed this money for a financial emergency and Ive been waiting for over a month to get my money.
Company Response:
State: TX
Zip: 75024
Submitted Via: Web
Date Sent: 2019-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XX/XX/2019 XXXX XXXX XXXX On Sunday XX/XX/2019 I am purchasing a pants through XXXX XXXX XXXX online and my XXXX XXXX XXXX didn't went through. I tried twice and I can not purchase anything by using the provided Credit Card Number to my XXXX XXXX. I decided to contact them through chat and they were asking all information regarding about my XXXX XXXX XXXX. They were asking also for a Bank Statements which I provided. However, I didn't noticed that it was only under my spouse name. I explained it to them through chat that we just recently moved to a new address and we didn't fixed it yet. I sent another Bank Statement which is only under my name.They replied and says Thank you for the information. After few minutes I received email from them and they closed my account. I called them and I spoke to different agent until I spoke to the supervisor on duty because I demand an answer to why they closed my account. Even the supervisor told me that she can not give me an answer to why they closed my account. I told her about the email I received that stating " Your XXXX XXXX account has been closed because : Failure to comply with the terms of the card member agreement or rewards agreement ''. I asked the supervisor what was the failure? ans she told me that is not a question that I can not give you an answer. I believe that being a Card Holder I do have the right to know what was the reasons why they closed my account. I just asked a simple question that ended up closing my account without no reasons at all.
Company Response:
State: FL
Zip: 33611
Submitted Via: Web
Date Sent: 2019-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A