Date Received: 2023-11-13
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I am a victim of Identity Theft. First I found out it in XX/XX/XXXX. I filed report to Federal Trade Commision and XXXX Police Department. On XX/XX/XXXX I placed Initial Fraud Alert to all 3 major Credit Bureaus ( XXXX, XXXX, XXXX ). On XX/XX/XXXX I got a notification from XXXX that APPLE CARD/GS BANK USA reported a new account. I never had XXXX device and didn't open Apple Card account. Also Apple Card never contacted me to ensure that I am opening new account nevertheless I had XXXX XXXX on my credit report. Immediately I reported to Federal Trade Commission and local XXXX Police Department. Then I contacted Apple Card support hotline ( XXXX ) and filed dispute about fraudulent account. I mailed all supporting documents as long as FTC and police report. On XX/XX/XXXX I got a notification from XXXX that Apple Card have {$23000.00} balance. I was shocked. I called again and was told I need to wait investigation results. After several weeks I called to Apple Card support again and found out dispute was closed not in my favor. I didn't get results of investigation by email nor mail. Support representative can not help me to get results of investigation and suggested to open dispute again. Now it is almost 8 months I am trying to get rid of Fraud account and several disputes was opened and closed without any success. Please help me to close the fraudulent account and remove it from my credit report. I am attaching all agency reports and my identity documents.
Company Response:
State: WA
Zip: 98034
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: 2023-11-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Today XX/XX/12 I checked my XXXX credit report and saw a notification that my score dropped XXXX points due to an inaccurate reporting. The account is APPLE CARD - GS BANK. The account was closed and have been reporting closed for over 1 year as a charged off account ( with a balance still reporting ). Now on XX/XX/12 after checking it shows the account as opened ( see attached ) with 229 % utilization on an already closed account. This inaccurate information not only dropped my score but puts more distrust in these CRA and banking systems more than ever.
Company Response:
State: DC
Zip: 20001
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: on XXXXXX/XX/2022 I I was receiving phone calls form Goldman Sachs for not paying my monthly payment which i never used the card, and they want payment and late fee. I dispute these charges over the phone. they look into my account and contacted the Apple Inc for charges and they had no record that I authorized the charges so they reverse the charges and credited my account for those charges, all the charges was credited to my account so how I was late in my monthly bill? But Goldman Sachs still reported these charges against my credit to credit bureaus as a let payment that dropped my score from XXXX to XXXX. Once I found out contacted them and they promised to reverse the action but never did. This is not the first time they did this. once before the reverse their false late fee on the beginning of last year XX/XX/2022, because the could not produce monthly statement to me and I specifically requested a paper statement and never received any statement from Goldman Sachs. I was always getting monthly statement from all credit card companies but never received from Goldman Sachs. they promised me that they are sending me paper statements which I never received from them. I never signed for electronic statements. ever. with any company or lender always paper because I am visual person and not computer savvy. I don't use email very often
Company Response:
State: CA
Zip: 94531
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a credit card on XX/XX/23 and got denied. The credit card was Apple Card. A consumer credit transaction in 15 USC 1691 defines the Equal Credit Opportunity Act. This prohibits creditors from discriminating against credit applicants. I have the right to credit.
Company Response:
State: MD
Zip: 21403
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
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: Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Apple Card for an unresolved dispute related to the non-delivery of a round-trip ticket. Despite providing evidence and acknowledging fault from the merchant, Apple Card has not addressed the issue. Details : Date of disputed transaction : XX/XX/2023 Transaction Amount : {$830.00}, {$72.00}, {$72.00} Merchant : XXXX XXXX Brief Description of Dispute : Non-delivery of service, unjustified reasons from the merchant not to deliver the service. Documentation Submitted : Attachment 1, Attachment 2 Attachment 1 : Email communication with the merchant admitting failure to deliver the service. Attachment 2 : Response from Apple with untrue response from XXXX ( I contacted the company to change itinerary and they claimed that I did not ). Attempts to Resolve : Multiple attempts to contact Apple Card have been unproductive, with insufficient responses. The merchant 's unjustified reasons for not being able to charge my card for flight changes remain unaddressed. Apple Card 's Response : While Apple Card acknowledged receipt of the complaint and expressed understanding of the situation, no tangible steps have been taken to resolve the issue. The entire correspondence exchange indicates the merchant 's fault, yet the dispute persists. Additional Issue : Furthermore, every time I attempt to contact Apple Card, I am subjected to excessive wait times, ranging from XXXX minutes to XXXX hour and XXXX minutes. This extended wait time adds further frustration to an already unresolved matter.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Marcus froze my account after a transfer, but did not communicate they did it. I discovered it when an auto payment failed from another institution paid monthly for several years. Their failure has cost me money and left me without access to my money. I called to fix it, and they couldnt help me. They cant identify my phone number to my name using some secret tool. My number has been the same on the account from the day I opened the account. They offered no assistance except to call back in 1-3 days to validate my identity, which is nonsense. Im trapped without access to my savings and wasnt even told. This is insane. They to be fined and penalized for their incompetence.
Company Response:
State: WI
Zip: 53029
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a high yield savings account with Marcus by Goldman Sachs for their high yield savings interest. When I tried to withdraw a bulk of the money out of Marcus, it was reversed. My first attempt in calling Marcus was a 1 .5 hrs call ending in a dropped call. During that 1.5 hours on the phone, the first representative said that I was being transferred to another representative that can better assist me. The next representative had no idea what the call was about and proceeded to ask me security questions as if I just called in. After multiple holds to " check to see what's going on with my account '', I was again transferred to another representative that again asked for my personal information for verification. At this point, I'm starting to believe none of the previous representatives knew the problem and proceeded to put me back in the queue for another representative to " help '' me out. Then after being held on hold for a few mins, the phone disconnected. After trying to call again, I was finally told that there is a hold in my account. The first representative told me that there is a hold on my account due to some garnishment but could not tell me who or what is putting that hold. They said it could be the receiving bank ( XXXX in this case ) or some other agency/institution but they do not have visibility on that. They did mention that they can usually see if it's the IRS and that there was no indication that it was that institution that put a hold on my account- I never heard " IRS '' spoken after this representative. I've asked to speak to supervisors but even they would just say that they do not have any additional details and have no idea how to help me out. They can not give me ANY information about the " garnishment '' on my account and I am told there are no other departments, or any other person I can talk to to try to figure out how to resolve the problem. I proceeded to contact XXXX, and they saw that there was a hold that could potentially have been from being flagged as a potential fraudulent transaction but they immediately resolved this. I was able to link my Marcus account to my XXXX account within the XXXX app and tried to initiate the transfer from XXXX instead for the same amount. After a few days of processing, it was reversed again. I called XXXX again - the Marcus linked account was suspended in their system but they were able to lift it again. I went back to my Marcus app and tried to initiate the transfer once again from the Marcus app. At this point, I am not even able to initiate the transfer. I just end up getting a constant error telling me to " please try again ''. I figured if it's an issue with XXXX, I can try to transfer it to a different bank. But I am now also unable to link new accounts to my Marcus. Called Marcus again and just like the last time, they see a hold but they are unable to give any information. My money is with them but they can't tell me how I can be able to get access to that at this point. They say there is no department within Marcus that can give me that information because of the sensitive nature. I would think it may be sensitive at their level or for their team but there should at least be some team that would be able to tell me this information - information about my money that is being held by them. I should be entitled to information about my own assets. They make it seem like whatever this institution is that has put this hold will need to lift it, but I would not be able to figure out how to resolve it because they wouldn't be able to tell me who is putting the hold- I can only sit, wait and hope while they keep my money that whoever this mysterious institution is suddenly decides to lift whatever hold is put on my account. I asked if I can just close my account altogether but even that I apparently can't do. On my part, I have not received any letter or any notification of a potential garnishment to any of my accounts. I have no kids which means I am not responsible in paying child support and I pay my student loan every month. I've gone as far as finding a way to contact the IRS to confirm that I have no balances I owe to the government - I don't. The agent confirmed that I have XXXX balance. None of this makes sense as I also just closed on a house which did an extensive check on my personal and financial situation. I also have multiple bank accounts, but somehow Marcus by Goldman Sachs is the only bank that has a garnishment under my name and holding my money.
Company Response:
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I only received a response saying that the account was verified as mine
Company Response:
State: MA
Zip: 01109
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2023 I was a victim of identity theft. The thief used my information to open a credit card with Apple Card/GS. They used the card to make purchases in the amount of {$3600.00}. None of these charges were legitimate.
Company Response:
State: MA
Zip: 01867
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
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 am writing to express my profound frustration and dissatisfaction with the handling of my Apple Card account concerning unauthorized charges and an inaccurately increasing balance. Despite reporting the theft of my Apple Card and unauthorized transactions promptly, the situation has not been adequately addressed, and I find myself in a perplexing and challenging predicament. The incident unfolded when I realized my Apple Card was missing, and I promptly reported the theft to the relevant authorities. Subsequently, I contacted Apple to inform them of the situation, expecting swift action to rectify the unauthorized charges. However, the response has been disheartening, with the reported transactions remaining on my account despite multiple attempts to resolve the matter.
Company Response:
State: MA
Zip: 025XX
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A