Date Received: 2019-03-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: a hard inquiry was added to my credit report from Goldman Sachs. i never applied for a loan from their company. When i contacted them, they could not find any information on my file. i gave them the last 4 digits of my social security number and they still couldn't locate my file. Two days ago i received a letter from them stating that i had applied for a loan and my application was incomplete. the letter also stated that because i had an apllication that it authorized the company ( Goldman Sachs ) to actually inquire into my credit which resulted in an hard inquiry on my file. i made another contact with the company after i received the letter. They tried to tell me that i had an application on file with their company but they did not believe the social security number was accurate. i asked them to just remove the hard inquiry from my file. They told me to contact XXXX as it may be fraud. i only want them to correct my file to reflect what really transpired. this matter has become complex and i believe this is very simple.i need your assistance in this matter ... Thank You
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2019-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2018, I invested money into XXXX XXXX XXXX XXXX through a broker I found online. I did research on the company to make sure that the company was legit in order for me to invest. After I proved that the company was legit, I invested a total of {$210.00} to the broker ( named XXXX XXXX ). After that, he told me his " boss '' was going to give me a call to tell me what the next steps we're and to congratulate me on my investment ( named XXXX XXXX ). After some time passed, the broker contacted me about my profits ( total profits of {$3200.00} ). I was then told afterward that I had to pay {$500.00} in taxes in order for my profits to be released to me through XXXX XXXX to the companies " tax attorney '' ( XXXX XXXX ). I sent the payments through XXXX and XXXX XXXX through my phone. I sent one half of the payment through XXXX and the other through XXXX XXXX. The contact 's email is : XXXX I didn't pay the taxes and never received my money. I contacted my tax person and he confirmed that I do NOT have to pay taxes to get my profits paid out to me. People he knew invested in that company but never paid any tax for their profits to be released. I was scammed of {$210.00} and I never heard from the people again. I leave the documents or " contracts '' sent to me here.
Company Response:
State: CA
Zip: 922XX
Submitted Via: Web
Date Sent: 2019-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-24
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: XX/XX/2019 Consumer went through onboarding process to open a savings account at Marcus.com. After disclosing all information the application was refused. No reason was provided. Consumer immediately tried to respond via email ( as part opening the online account Marcus.com sent a PIN as part of the verification process ). The email bounced and no alternative email was provided. Consumer Called customer service and requested disclosure as to why the application was refused. Request was not serviced citing privacy concerns and no alternative path to a ) either provide additional supporting documents or b ) reach someone who could help were provided.
Company Response:
State: NY
Zip: 11215
Submitted Via: Web
Date Sent: 2019-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: fail to remove a fraud alert and banks holding loans against me because i've been i victim of ID theft
Company Response:
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2019-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have presented Goldman Sachs Bank USA with disclosure of concerns pertaining the fraudulent use of my XXXX account. I have notified that I have been a victim of identity theft. Goldman Sachs has noted that I did not authorized the debit of my savings account in any form. The account was compromised and debits continue to be made to the account after having reported several times fraud as their department failed to prevent the unauthorized party to continue to make debits to the account. I have presented my concerns once again to a XXXX, who did not address the concern of fraud and identity theft appropriately. I have requested that the monies that were debited from the account as a result of fraud be credited to the account. I have been able to regain online access to the account after requesting to have reset my username and password. I have presented the enclosed affidavits. There has been to this date no mitigation of losses. I request that you close the account as your poor practices have remain unable to support victims of identity theft and that you act appropriately conducting an investigation that considers the affidavits that I have been sent after your denial to my RegE claim. I request your understanding in resolving the unauthorized use of my information to request services and towards debits that I did not recognize. If you may offer the support that I need to resolve this matter, I would appreciate it greatly.
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-07
Issue: Problem when making payments
Subissue:
Consumer Complaint: When I took out the loan, I was told that I'd be able to reamortize the loan if I made a substantial payment on the loan. I made a substantial payment on the loan ( over 50 % of the principal ) and called to ask to have the loan reamortized, when I was told this was not possible.
Company Response:
State: IL
Zip: 60626
Submitted Via: Web
Date Sent: 2019-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-30
Issue: Getting the loan
Subissue:
Consumer Complaint: I have received 8 e-mails, one every 2-4 weeks since XX/XX/XXXX " Important news : XXXX, you're now eligible to reapply. '' Bank began sending these emails every two weeks reminding me of my eligibility to apply for their loan products, last " reminder '' email came on XX/XX/XXXX My last application was XX/XX/XXXX, it was declined On XX/XX/XXXX, I logged in and encouraged with some additional income coming to me and wanting to apply for a loan to continue rebuilding my credit, I took Marcus by GS Bank up on their offers and checked my eligibility. I increased the household income to include my boyfriends salary as we live together now. {$110000.00} to {$170000.00} I changed the address on my application and account during the process today online ( XX/XX/XXXX ) From XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX to XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXXXXXX. The ZIP code while fairly close together have significantly different overall per capita incomes and demographics. I was only given " Time since decline too recent '' as the reasoning for declination on this application, electronically and over the phone The operator I spoke to ( XXXX ) was only able to provide me with the reasoning defined in my Adverse Action letter from XX/XX/XXXX, I was attempting to apply within some arbitrary three month window that I was unaware of based on any available information from Marcus, in writing or online. I only applied after a considerable marketing full court press from Marcus by GS. After receiving four of the aforementioned emails did I finally apply Then declined or even considered because of this arbitrary time limit. I have about {$260.00} in savings there, with direct deposit set-up to send {$260.00} bi weekly for an emergency fund. I have not stopped this direct deposit and will maintain my business with them based on how they respond to my complaint. They offered to " opt me out '' of further mailings, I declined the offer.
Company Response:
State: IL
Zip: 60640
Submitted Via: Web
Date Sent: 2018-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-26
Issue: Managing an account
Subissue: Problem with fees or penalties
Consumer Complaint: On XX/XX/XXXX I made a call in to XXXX by Goldman Sachs Bank to close out a Certificate of Deposit Account prior to its maturity on XX/XX/XXXX. As a result of this call, I have the following complaint. COMPLAINT : During the call, the representative said that the account had paid enough interest that an early withdrawal penalty would not be taken from the principal of the account. This was troubling to me as I did not recall seeing that early withdrawal fees could be deducted from the principal of a CD account. Upon inspecting the Deposit Account Agreement ( LINK 1 below ), I found the following language on PDF pg. 7 : `` An early withdrawal penalty could result in the reduction of the principal. '' ( This line is underlined the in the attached screenshot ) XXXX ' `` High-Yield Certificate of Deposit FAQs '' page specifically the subsection titled `` What fees or penalties are associated with my CD? '' ( LINK 2 below ) is a near duplicate of the relevant section from the Deposit Account Agreement but omits the line regarding principal reduction. I find this omission dishonest and misleading to consumers. I submitted the complaint above verbally to a different customer representative at XXXX via phone call. LINK 1 : XXXX : XXXX LINK 2 : XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 10001
Submitted Via: Web
Date Sent: 2018-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-20
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/2018 I was opening a new CD online at Marcus Bank. I was transferring {$4400.00} from my Marcus Bank High Yield Savings into a new Marcus 3 Year CD. The {$4400.00} showed deducted from my savings but did not go into the new CD. The new CD showed not funded. I immediately called in and they completed a tech ticket. It took 2 days for them to recover the {$4400.00} back into my new CD. It showed not funded until XX/XX/XXXX. They told me they would correct the transfer date to the original so that I would not lose interest. Online it only reflects the deposit date of 2 days later XX/XX/XXXX. When the money disappeared out of High Yield Savings and after I reported the problem on XX/XX/XXXX, I went back in to view my High Yield Savings transactions and I could not access any transactions, just monthly PDF 's showing where the normal full detailed complete transactions used to be. I reported this to the tech that I spoke with when they called to tell me the transfer had been fixed. The tech said my account should be back to normal to see transactions as I assumed I was only " locked out '' of these while they were working on it. That was not the case. 8 days later and I still can not have access to any of my High Yield Savings account transactions. I called back and reported the problem twice on XX/XX/XXXX. The first customer service rep did not help. She told me to look at dropdowns that showed last 60 Days, 30 Days and XX/XX/XXXX and that it should fix it. I told her I had already done that and I needed her to put in a tech ticket to have it fixed. After had a legitimate problem with their banking software I expected her to take me seriously but she blew me off telling me that if that didn't work to try the Credits/Debits/All dropdown. This did not work either. I called back the second time on Saturday and they supposedly put in a tech ticket to have it worked on. I called back on Monday XX/XX/XXXX and asked for a supervisor. He seemed genuinely interested and said he would call me back the next day. I had given him my cell number as a contact number to reach me. After we hung up I got an email from Marcus saying my phone number had been changed on my account. I called back in and told the rep that my cell number is OK to call me back on but not put it in the database as my prime or alternate phone number and to only include it in the notes and that while on the recorded line I gave them permission to use my cell number for contact. Anyway, I received a confirmation email from Marcus that my phone number had been updated. I NEVER HEARD BACK FROM THE SUPERVISOR. He was a total liar. I had told him that I would be contacting regulatory agencies if they didn't fix the problem and the problem still exists 8 days later here on XX/XX/18. I need access to all of my transactions, especially when I can't trust where funds go out my account and I can't see them. I am wondering if they are trying to hide what the transactions show about the missing {$4400.00} or if they are just completely incompetent in their software and tech support. Both scenarios scare me as a deposit customer. Don't banks have responsibility to make sure customers have full access to their accounts online, especially ONLINE ONLY banks like Marcus? I need Marcus to fix my account. I think the fix is simple and that someone simply needs to reset the account access. If not, Marcus needs to be reviewed by the proper regulatory agency to make sure they have the correct standards and practices to make sure money doesn't go missing and customers have full disclosure of every transaction on their account. I have posted this same complaint on Deposit Accounts and will be sharing this experience on similar sites so that consumers know how bad Marcus Bank is with losing customer 's money and then not returning full access to their accounts in a timely manner.
Company Response:
State: FL
Zip: 34684
Submitted Via: Web
Date Sent: 2018-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-19
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I was denied a loan by Goldman Sachs Bank after two inquiries provided misleading and inaccurate information. The two companies that provided the derogatory information were XXXX and XXXX XXXX. I have requested specific information from all three entities to elaborate on this information used against me and gotten no response.
Company Response:
State: CA
Zip: 96007
Submitted Via: Web
Date Sent: 2018-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A