Date Received: 2023-11-14
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Hi good day last week XX/XX/2023 my wife called me cause shes ready to go to hospital cause she thinks XXXX XXXX XXXX XXXX XXXX so i drive from to our house and get ready to leave to hospital. Now while talking to the doctor in XXXX XXXX my girlfriend told me that i need to withdraw all the money.. so yeah i try to log in my account and i put the wrong email for 2 times.. then suddenly i remeber and ask for help through the app.. and i login.. now im trying to trasnfer my money back to where i send like its external link account.. and its says there im locked so i called theyre customer service asking them why im lock and they told me that they couldnt verify me brcause i had a wrong number that they cant send me the one time pin code. I told them that im not using that number anymore cause i change my phone number with a newone 2 years ago and i dont know what or where i put that sim.. so they said that they couldnt rxplain anymore details something like that. And i was confused that day and called again samething happen.. and called the next day some agent told me that ask them to remove the restrictions. And i told them about it.. and its just so wrong timing cause XXXX agent told me that its on a review.. that they cant do anything about but just wait.. so i waited.. 2 days later i called again asking them how to transfer or the other way just to get my money back and they told me is the only way is to close the account and they told me that thursday XXXX XXXX and i said okay lets close the account and they said that once the account is closed the money will just go back directly to where i send which is my bank.. so i waited 3 days cause some agents said 3 days some 7 days some 10 days.. ( a lot of wrong information ) .. so today XX/XX/XXXX i called again cause i need the money cause my girlfriend has XXXX XXXX and my daughter is in XXXX XXXX XXXX XXXX so to me i need that money to pay for hospital bills thats my purpose i put it there.. I called twice today and one agent said that because she cant verify me she only saying that i dant give you details and more information, like im a complete stranger that rven why they cant answer like i put my money there and now im an outcast.. And the other agent tried his best and told me that give them a call 3 days from today so friday.. ( they said this last week too ) anyway i ask for the case number i dint know if you guys would need it.. but yeah i have it. I was reading last time the internet like reviews and complaints.. i read a lot same my situation how bad and slow and not good this company.. i tried to be patient its just the money that i put in my savings account is needed in emergeny.. i read a lot that same i have experience like they dont accept ID or verify it no emails and they always to give you the code on an old phone number that j have no acces.. i tried alternative phone njmber i give them my girlfriend phone number and same thing no code. Its like a joke.. I hope you guys can help me. I have no job roght now cause im taking care of my family. Im just a average person trying to survive right now..
Company Response:
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I xfered funds into the account. A weekatwr I attempted a wire xfer to send those funds put. XXXX the wire xfer was not processed in a timely manner..I initiated on XX/XX/XXXX before wire disbursement cutoff. I was not called until XX/XX/XXXX and it was at that time they told me funds needed to remain untouched for 90 days and they would not disburse the wire. This was not an initial funding. this was not a CD. This is a savings account. I was also told when dealing with customer service that they would not pay me interest on those funds after I informed them I would withdraw and close my account. Eventually they said they would send the interest to a different bank sp we will see if this happens.
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666a, a creditor may not treat a payment on a credit card account under an open end plan as late for any purpose.
Company Response:
State: TN
Zip: 37130
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Goldman Sachs pre-approved my application for a {$5000.00} XXXX XXXX XXXX XXXX. They requested that I upload my State ID, which I did and Goldman Sachs sent me a letter stating false information '' identity could not be verified '' I sent them my valid front and back of my state ID, so they had documentation of identity as they requested. Still they denied my application, The Equal Credit Opportunity Act [ ECOA ], 15 U.S.C. 1691 et seq. prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because an applicant receives income from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Department of Justice may file a lawsuit under ECOA where there is a pattern or practice of discrimination.
Company Response:
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: The Greensky program settlement administrator is not following consent order file # XXXX. I was supposedly mailed a redress payment of over {$44000.00} but i did not receive it. Greensky program settlement administrator has verified I was issued a check ( void after 90 days ) over a year ago, that it was not processed, and I am to receive a new check. That was established XX/XX/2023 and now as of XX/XX/2023 a check has still not been sent to me. I have been checking with the settlement administrator by email and phone and have been repeatedly told they are not " cutting '' new checks yet. It sure appears to me to be stall tactics. How long does it take to have a check cut? I have searched CFPB website and called several times but have been unable to find what department ensures consent orders are followed by the respondent. PLEASE HELP!!
Company Response:
State: TX
Zip: 75087
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
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/2023 I filed my initial complaint against Goldman Sachs as the bank issuer of the Apple Card. Please see the lengthy description of the issues. GS representative responded on XX/XX/2023 acknowledging their egregious errors with the handling of the fraudulent purchases made on my Apple Card. However, since their response my credit card has now toggled between restricted and ultimately locked due to XXXX XXXX being listed under installment payment plans. These were the very same phones originally purchased on XX/XX/XXXX ( the date of my card being hacked ) and were reversed under the XXXX complaint response. I was advised by a customer service representative that these were placed on my Apple Card by the XXXX XXXX. However, the dates coincide with the date the GS responder reversed all fraudulent purchases. I am back to where we started as it appears the XXXX " back office fraud department '' is not aware of the complaint response acknowledging the fraudulent purchases or the fact that all of the outstanding issues had been resolved. Additionally I was to have received a return call from the GS responder confirming that my XXXX ID was recovered contrary to the statement made in their response. I have had at least XXXX separate customer service line supervisors confirm the recovery of my ID and that all compromised information has been deleted or other security put in place. I have placed numerous requests for a response from someone in the back office operation to get an explanation of the issues but as of yet I have not spoken to anyone in the XXXX weeks since the mess reappeared. I was told they tried once but that my phone would not allow them to be put through and they are only allowed to make XXXX call to a customer. I advised that as they were calling from a restricted number, XXXX does not allow the completion of those calls for my safety. I left instructions that they either call from an identifiable GS phone number or to contact me through email. Again, nothing. To say this has been frustrating and terribly inconvenient just doesn't express the feeling of victimization from the company who states their policy of " XXXX XXXX Liability '' as a hallmark of their organization. What a joke. I have had to advise vendors that my annual renewals normally charged to my Apple card will have to go to another of my accounts.
Company Response:
State: MN
Zip: 557XX
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
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 have been battling with Apple Card for 4 months on these disputes. There were XXXX fraud charges, totaling around {$1500.00} each for about a total of {$8000.00}. I will walk you through the day these happened and everything that happened in the dispute to follow. I was in XXXX on vacation, when in the afternoon of XX/XX/XXXX I passed by this red pop-up tent in the middle of the XXXX in XXXX, XXXX man approached me about an event that was going on for the town. They were out raising money by offering some really great prizes. The game started with a few XXXX, then a few more. When I said I didn't want to give any more of the XXXX XXXX I had, that is when the SCAM started. The street vendors explained that with their credit card machines they would give the best exchange rate possible, XXXX to XXXX. So I could continue with the best exchange rate possible. The real scam came from the credit card machine they used, it was a small calculator sized machine with just a tiny screen that made it impossible to read anything on it. After they inserted the card, they had me sign on a tablet or phone, WITHOUT any dollar amount on it, it was just a line to sign on. No receipt or anything was given with any transaction. There was NEVER a point in which I could see the amount being charged by the street vendors. My card ended up being locked after the fifth charge by them and I could not access any information on the account. The Apple Card screen on my phone just stated that the account was frozen, no other information to see. Not until I called to unfreeze the card was I aware that they made these charges in USD. THERE WAS NO COMMUNICATION ON THE VENDOR 'S PART ABOUT MAKING CHARGES IN USD FOR THE AMOUNT OF {$1500.00}! The agreed amount was {$1500.00} XXXX, something like {$90.00} USD. The entire operation is a scam and there are multiple posts online about it being a scam. I let Apple Card know that these were not legitimate charges as soon as I found this out. I got the charges reversed and they told me they would do an investigation and to send in evidence. I did my best to find what I could, talks of this place pulling similar things on other tourist, was about the only thing I could find. I sent that in and waited for a response. XXXX months later, I got very short email stating the dispute is reversed, because no billing error was found, and that I had a right to see all the evidence gathered in the investigation. I furiously reached out to get the information that they gathered because I know there isn't any evidence to support these charges. The response I got from the Apple Specialist was that the only evidence gathered was what I sent in, and she said she would send that over, its been XXXX months and I still haven't received it. But from what I can gather there was not a proper investigation done. Even after this, I called to get this reinvestigated. I called and this time the specialist told me that the original specialist filed this incorrectly. That I need to dispute this as a case of paying the charges in XXXX, so it is an adjusted amount dispute. If you ask me, this is crazy that I have to fight this hard for these fraud charges and I still have to pay. But either way, {$90.00} a charge instead of {$1500.00} is at least something I can live with. A quick side note, I haven't been out of the country much, but I XXXX sure have never spent that kind of amount of money in somewhere I am unfamiliar with. Back to the dispute, I get this all re-disputed, send in all the evidence I can gather, and I wait another XXXX months. I woke up today, XX/XX/XXXX to XXXX more emails from Apple, " Your transaction dispute is complete and will remain on your account. '' This time with the same short description as to why, but this time NO talk of having the right to see all the evidence gathered in the investigation. So again, I sent what I could in, I did my part, and there doesn't seem to be a proper investigation done. I do NOT believe Apple Card is doing their part in protecting my rights as a consumer. I will attach a screenshot of the chat with the Apple specialist that stated they would send the evidence gathered in this case. I never received it, and I will also include where they stated that they in fact hadn't gathered ANY addition evidence outside of what I submitted.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Dear Sir or Madam, after obtaining my credit report, I noticed that it shows late payments on the above account with this company. It specifically states that I was 30 days late. This has damaged my credit worthiness and is extremely troubling. I am sure APPLE CARD/GS Bank is aware and understand that it is required by law that they must take proper care in ensuring the accuracy of this information with my account ; adhering to this of the utmost. They are required to send my statements or bills to my correct address, take care to respond to my change of address requests and accurately record my payments in a timely fashion as well as provide me with a notice 21 days before the due date before you can consider a payment late. They are also REQUIRED by law to provide me with a notice before providing anything on my consumer report that would negatively impact me as a consumer. The law clearly states that If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. They did not do any of the things the law clearly states. The law is also clear that transactions and experiences DO NOT BELONGS ON A CONSUMER REPORT in case you are not aware here is what the law state report containing information solely as to transactions or experiences between the consumer and the person making the report Also make sure late fees are accessed properly. In this regard, I hereby request the following steps to remedy this situation. 1. To ensure compliance with all provisions of the Fair Credit Billing Act, please send me a notarized statement attesting that you have complied with this act in regard to my account. 2. Im requiring written evidence for all the payment you claim that I was late according to my obligations with your company. Including the tracking number of the letter you sent out to place on me on notice 21 days prior to the statement due date. 3. Im seeking written evidence of timely billing and the posting of all payments I made on this account, regardless of whether or not you claim they were late from the time this account was opened to this present date. If they are not able to provide me with this evidence that I am legally entitled to have in writing, I affirm that they please remove all negative references of these late payment 's entries by your company to all CRAs as they were submitted. XXXX, XXXX and XXXX and any others. If I have not received these itemized documentations within the period prescribed by law, I will expect to receive written notification that they have removed all late entries that Ive disputed off my credit report. I thank you in advance for attending to my requests promptly to verify identity, I am enclosing copies of my state drivers license and an electric bill, that shows your current mailing address. Sincerely, XXXX XXXX
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My complaint regarding Marcus Goldman Sachs. I called on XX/XX/XXXX to request a wire transfer of $ XXXX to my checking account on file as I am closing on a house the week after and need to make sure the money is available. I tripled checked that they let me know if there are any issues as this was a time sensitive matter, and they agreed. Fast forward XXXX XX/XX/XXXX and the wire transfer still hasn't been received. I called again the same day and inquired and they confirmed that the wire transfer has been sent but I need to contact my received bank ( XXXX ) as maybe they are having trouble processing it. I called XXXX and they confirmed that no wire transfer has been sent. I then called Marcus back and they said that there was a problem with the wire transfer but that they are unable to tell me what the issue is. I remained patient ( albeit furious on them not taking any responsibility ), and after wasting another XXXX mins over the phone they said they sent an expedited wire transfer. Later the XXXX, I called to double check so they said that the wire transfer has been sent AFTER the cut off time which contradicts what they told me and that will waste another business day when I have a deadline to close on the house that I need to meet. I asked again why the negligence and she laughed it off rather than taking any responsibility. And still I have no idea when I will receive my money.
Company Response:
State: MI
Zip: 48126
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My Apple Card is showing that account restricted for which I can not make any purchase. When I made a call to them they just said under review and no more info can be provided
Company Response:
State: MI
Zip: 48105
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A