Date Received: 2018-12-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX, I received notice from my credit monitoring service that my credit score had dropped. When I opened my account, there was a notice that XXXX by Goldman Sachs had changed previous payment history on my credit report from current to 60 days late from XX/XX/XXXX to XX/XX/XXXX. I have never been late with this account and have proof that I have never been late that I will attach to this dispute. I have always been on in automatic draft program with this company to ensure that my payments are never late. I received a three month deferment from XX/XX/XXXX through XX/XX/XXXX due to being offered a deferment by XXXX Goldman Sachs due to being out of work and in a FEMA declared state after Hurricane Irma. I was advised that my credit report would not be impacted as I was under a deferment and extending my loan 's maturity date ( see attached ). My credit reporting never changed during that time frame, and now all of a sudden they have changed it. All payments before and after deferment were made on time. I called XXXX by Goldman Sachs and spoke with a XXXX XXXX. XXXX said that it seems that there has been some type of error and it would take up to 2 days for them to resolve. His explanation was very vague and I explained to him that while I am awaiting their investigation my credit reputation is being impacted because of their erroneous reporting. XXXX could not provide any other assistance and told me that he was not sure of whether the information could be corrected quickly. I advised him that just as quick as they made the error they needed to fix/resolve as I am ill considering the damage that this is doing to my perfect credit score. He said that someone would reach out to me by telephone within 1 to 2 business days but I am not confident that this company will handle as quick as necessary and that is why I submitting this dispute. I am outraged that this company with do something like this to a timely paying consumer and I will never do business with them again.
Company Response:
State: GA
Zip: 31525
Submitted Via: Web
Date Sent: 2018-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have an account with over $ XXXX with XXXX XXXX XXXX. I tried to transfer the funds out of XXXX to XXXX. I attempted this online but was advised that transfers above $ XXXX require a phone call. I called at XXXX PST to request the transfer. The agent took my information and said she submitted the request. I checked at XXXX pst and the transfer has not been scheduled. A XXXX agent advises that it make take 1-3 business days for an outgoing transfer. I find this to be unacceptable. Neither XXXX or XXXX have this type of delay.
Company Response:
State: CA
Zip: 94025
Submitted Via: Web
Date Sent: 2018-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-28
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I enrolled with XXXX XXXX XXXX in XXXX of 2018 and, per their advice, changed my contact information with them to the XXXX info. They called my personal phone and attempted to collect the debt. I informed them at that time that I had contracted with XXXX which, in Washington State, is legal representation. I told them on their recorded line not to contact me anymore and to communicate with XXXX. I told them I knew they had the contact information readily available because I had updated my information to XXXX XXXX. They contacted me and left voicemails at least 14 more times between XXXX to XXXX of 2018. I still have the voicemails saved on my phone.
Company Response:
State: WA
Zip: 98270
Submitted Via: Web
Date Sent: 2018-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-18
Issue: Getting a line of credit
Subissue:
Consumer Complaint: Goldman Sachs Small Business said my Company was approved for a undecided amount of credit until my application was finished! I had a XXXX performed and was omitted into hospital for a three week period and was unable to finish my application! I was to send in three months of my banking statements to seal the loan! I was unable to complete because I was hospitalized! I received no letter as to the need for the three months of statements. I was also told this application was not a hard pull of my credit! It was to be a loan to business and not personal. They preformed a hard pull! Goldman Sachs caused my credit to plummet. I dont believe this was a fair application or didnt allow me to finish a complete application! Thank you XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: OK
Zip: 73013
Submitted Via: Web
Date Sent: 2018-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I requested a transfer into my savings account from a linked checking account, via ACH. I later discovered that there the bank applies a five day hold on ACH deposits, which is not disclosed in their materials and is materially longer than the ACH transaction clearing process.
Company Response:
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2018-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-31
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I closed my CD with XXXX XXXX on XX/XX/18 and was using the fund for purchase of a home. During my new loan underwriting process, I was asked to provide source of fund which required me to get a transaction history of my closed CD. Since the day I closed the CD, I was not able to view the CD on my online account and when I called XXXX XXXX XXXX, they said I have to wait for the monthly statement on XX/XX/18 in order to see the transaction. I asked if they can restore my CD account online and they said by policy they can not. They also did not give me a verbal warning when I closed the CD that I would lose my online access to the account. I am risking to lose my initial deposit of this new home purchase if the new loan is not processed on time, and the fact that I am not able to access my own personal information in any shape or form between account close ( XX/XX/18 ) and the new statement date ( XX/XX/2018 ) is not acceptable to me. I should be able to obtain the transaction history any time I would like even the day after my account closed.
Company Response:
State: CA
Zip: 94568
Submitted Via: Web
Date Sent: 2018-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-20
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: On or about XX/XX/2018 I applied online to open a Goldman Sachs XXXX account, and while online, received a " We've declined your application. We apologize for the inconvenience. At the moment, we can't disclose why your application failed. " I called them several times and each time they advised that I should reapply online. I did so with the same results of being denied. I then downloaded copies of my free credit reports and verified all of my information as correct. I called them several times ( the most recent being XX/XX/2018, speaking with " XXXX '' and a credit specialist named " XXXX '' ) and was told each time that Goldman Sachs/XXXX uses a third party vendor to verify my information. However, they refuse to provide me with the contact info for the the third party vendor or the credit report they allegedly used, and I therefore have no way of reviewing, and if necessary, correcting any incorrect information.
Company Response:
State: NY
Zip: 10901
Submitted Via: Web
Date Sent: 2018-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2018, from Goldman Sach repoted inquiries that I never was applying for, I want you please to remove this inquiry from my XX/XX/XXXX credit report
Company Response:
State: NJ
Zip: 07002
Submitted Via: Web
Date Sent: 2018-09-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: dont know who this is or how they got my information along with this company XXXX XXXX Inquiry from XX/XX/2018 Bank Institution Information XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Microbilt Inquiry from XX/XX/2018 Misc. Institution Information XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2018-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-21
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: I tried to close my CD account with Goldman sach bank Account num XXXX I was asked for more penalty than the interest I earned from the CD. This is unfair how can they charge me more than interest earned from the CD. My Principal is FDIC secured. So basically if they charge me more they are reducing my principal which is already secured.
Company Response:
State: CA
Zip: 94086
Submitted Via: Web
Date Sent: 2018-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A