Date Received: 2023-11-10
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: Apple Card by Goldman is sending my financial data and statements to the wrong email address I do not possess and is unwilling and unable to 1 ) Change the email address to the correct email address OR 2 ) Stop sending my data to the wrong email address.
Company Response:
State: WA
Zip: 98027
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Goldman Sachs is reporting a late payment on my account. This late is from XX/XX/23. I thought I had this account on auto pay but unfortunately was not. This late payment was an oversight. I am asking that you please make this one time good will adjustment to my credit file. I have been working on it for years and I saw a significant decrease in scores from this XXXX late payment. Please remove the late payment
Company Response:
State: UT
Zip: 84010
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: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I was visiting XXXX, XXXX from XX/XX/XXXX to XX/XX/2023. The fraudulent transactions occurred on my Apple Pay in the early morning hours on XX/XX/2023 at XXXX XXXX XXXXXXXX. Total five transactions occurred through Apple Pay : XX/XX/2023 : {$6500.00} XX/XX/2023 : {$6000.00} XX/XX/2023 : {$4800.00} XX/XX/2023 : {$6000.00} XX/XX/2023 : XXXX I disputed the transactions same day ( XX/XX/XXXX ) in the evening via Text messages XXXX XXXX XXXX ) with Apple Pay in XXXX, XXXX. Apple Pay could not reach to me other than text messages option in XXXX, XXXX. I did not authorize, purchase or sign on anything and Apple Pay opened the dispute claim. Apple Pay did not verify with me via text under advance theft protection and denied the dispute without sharing any evidence of my authorization, sign the receipts.
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I phoned AppleCard/GS Bank on XX/XX/XXXX and requested to close my never-used account. The person I spoke with informed me that I had a balance owing of {$20.00} plus {$3.00} in interest. This was the first I had heard of any amounts owing. I informed them I would pay that amount if it would complete closing my account. During the call they asked several times if I was sure I wanted to close my account, and I confirmed each time. I paid the outstanding balance on the call with another credit card. I asked and was told there would be no negative credit report, which turned out to be untrue. I was recently informed by my bank, XXXX XXXX, that my credit score had declined by nearly XXXX points, from mid XXXX to mid XXXX. The reason for the loss of score was a XXXX late payment claimed by AppleCard/GS Bank , as reported by XXXX. This is the only negative item on my credit report and it was clearly in retribution for closing my card account, as I had never used the Apple Card and did not know of any late charge. I called AppleCard/GSBank customer service after learning of the maliciously false credit report and asked them to remove the report. The woman I spoke with was very sympathetic and understanding, she said it was not right but all she could do was submit a " XXXX level '' report to her superiors. I have yet to hear anything more from Apple Card/GS Bank . Speaking to XXXX about this is not possible because they refer all inquiries to GS Bank. In my mind this is a good example of the abuse practiced by online finance companies over consumers. My confidence in XXXX to protect its customers has been severely damaged by this experience.
Company Response:
State: CA
Zip: 95864
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Applied for a line of credit and was denied.
Company Response:
State: FL
Zip: 33598
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am a long-term customer of Marcus by Goldman Sachs . I have XXXX Savings Accounts, all of which were locked on XX/XX/2023. I did not receive any notification that the accounts were locked and only learned when I called to check the status of a bank wire. The representative said there was a note on my account that the bank cancelled the wire when they could not reach me by telephone days ago. I was later told by a supervisor that no call was ever made and there was in fact, no such note. The bank then refused to use any of my personal information to verify my identity, including my social security number, date of birth, and secret word. They also refused to send a one-time password to my phone. They said that my cell number is now invalid and they must instead send me an " affidavit of identity '' to notarize and return. Even though the form is initially blank, they will only send it via first class mail. Meanwhile all of my funds will be frozen, leaving me without funds to pay my bills. They also said they can not tell me the reason for the hold without the affidavit. I have read many accounts on this website and others that Marcus can take weeks to unlock the account, even after receiving the affidavit. I will be forced to liquidate an investment to generate enough cash to pay my bills, including the ones that come out of the Marcus accounts automatically. It was completely unprofessional to not contact me and inform me about the locked status and to misinform me about the attempt to call me. It was also completely unprofessional to refuse to use any reasonable method to verify my identity and to delay the form by forcing it to go via snail mail in both directions.
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened an online marcus with goldmans Sachs high yield savings account three weeks prior I had opened a XXXX XXXX account because I was looking for a hight return rate and I found XXXX before I came across marcus. Once my account was opened with marcus and my bank links were set up I made a XXXXXXXX XXXX transfer from my XXXX on XX/XX/XXXX and then a few days later on XXXX XXXX XXXX XXXX wire transfer from my long term savings account at XXXX Immediately after making the large wire transfer ( my entire life savings ) my account at marcus was locked and I no longer had access to it which meant I was unable to see whether my XXXX even made it into account. I called bank and spoke to rep that said I needed to do a XXXX party verification of my XXXX XXXX account with them. So after over an hour on the phone we did just that, I was authenticated, and my account was unlocked with the entirety of my funds showing in my marcus account that night on XXXX XXXX XXXX XXXX XXXX evening I tried to log into my marcus account again to check my funds and I was again locked out of account. I spent over another hour on the phone with them where I was told at 1st my account was sent to fraud and I was under investigation where my account may or may not be closed entirely but they would give no reason for why this occurred then a few minutes later lady said she had " misread '' everything and that the hold was from the day prior when I did my 3rd party authentication and it was still being " processed '' so it would take a little time but that she would unlock my account and to check online again in 5-10 minutes. I waited an hour and the account was once again still locked so I called again spent over 2 hours this time on the phone with yet another rep. This time I was told that my account was officially closed due to a " business decision '' and there was no other explanation other than that. My wire transfer would be returned to original savings account by XXXX XXXX XXXX XXXX and if I wanted more information of why my account was closed I would have to wait until XXXX XXXX XXXX to call a supervisor at XXXX XXXX because they had all left for the night now and there was nobody who could tell me any other information. So I called XXXX XXXX XXXX XXXX XXXX and waited hours to talk to a supervisor. They explained to me that they have high security and sometimes it triggers and then they have to investigate to make sure there is no illegal activity ( there is not ) but that if there wasn't my account should be fine my account would stay open and the funds in the meantime would not be transferred back to midflorida until the process was over in 1-3 business days. So I was told that I would be informed no later than today XX/XX/ whether my account was closed or not. I have not heard from them yet, now my entire life savings is somewhere I have no access to and can't even see if it's where they say it is I'm just left to trust a stranger on the phone that it's there and safe. It's been accruing no interest in any account now for over a week and I am unable to access it. If they want to close my account I am fine with that even though XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm savings and have done absolutely nothing wrong or illegal. I was just searching for a better place to put my life savings and came across 1 account before the other. My problem now is I need and want to either be cleared or have my life savings returned to my original account. This holding my money and me hostage for weeks on end so they can accrue interest while in the end probably shutting my account down is outrageous. Shut it down and give me my money or clear the investigation and let me see that my money is safe in your account. There's been plenty of time for all of this to happen and the lack of information or urgency is infuriating and unfair.
Company Response:
State: FL
Zip: 33813
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I paid my balance in full 2 days before it was due on XX/XX/23 the total was approximately XXXX. I paid the entire balance due on the date that I made the payment. After the due date of the Apple credit card I went to check and make sure that the payment cleared to find a balance of XXXX. I spoke to someone on chat at Goldman Sachs and was told that in order to avoid paying interest I have to pay the entire balance 2 months in a row. I then asked if the balance did an arbitrary number that the just make up and if it is not than how can I still have a balance if I paid in full and was told that is policy
Company Response:
State: NY
Zip: 11010
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: LISTED WITH XXXX APPLE CARD GS BANK USA, OPENED XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX LISTED WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX APPLE CARD GS BANK USA, OPENED XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX LISTED WITH XXXX XXXX XXXX I OPENED XX/XX/XXXX APPLE CARD GS BANK USA, OPENED XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX ALL THE ACCOUNT LISTED I HAVE DISPUTED AND ALL THEY HAVE ALL REMAINED ON MY CREDIT REPORT, I HAVE REQUESTED VALIDATION OF THE DEBT AND COPIES OF SIGNED CONTRACT AND NON OF THEM HAVE COMPLIED. THE COMPANIES HAVE EITHER SIMPLY STATED THAT ITS VALID WITHOUT ANY DOCUMENTATION TO PROOF IT. I HAVE ALSO CALLED EACH OF THESE CREDITOR TO LET THEM KNOW IM THE VICTIM OF IDENTITY THEFT WITHOUT ANY HELP
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I bought a XXXX XXXX Order Number : XXXX Order Placed : XX/XX/XXXX. I was issued an Apple credit card/account. It is the only transaction associated with the account. Goldman Sachs was provided an email address from Apple in the account setup. The email address XXXX. That email address was assigned by Apple over 20 years ago and has never been used other than as the Apple account ID. It is not used for or monitored for correspondence and never has been - without a problem for over 20 years. It can not be deleted ; I tried years ago, concerned that it would lead to confusion, which it has. Goldman Sachs attempted to reach me using that address to indicate that payment ( s ) were overdue. Needless to say, I never received those notices. I make auto payments directly through Apple for other products and services every month. I believed the payments were being made automatically to Apple for the product purchased. After 39 years without incident I do not monitor Apple auto payments monthly. I have never had a late payment before ( check my report ). I built and maintained a credit history rated excellent on all three reports for decades. It is now trashed due to an email address I never use ( other than as account ID ), do not want and did not understand would be the basis for contact from an institution I did not deal with directly. Fair redress in my opinion would be to remove the delinquent report from my credit rating. If there is a penalty due to my not understanding the complexity of the transaction so be it, but the damage done to my credit does not reflect my credit worthiness accurately and resulted from correspondence between Apple and its credit account partner. All outstanding payments were made within minutes of my learning they had not been as expected. I contacted Apple on XX/XX/XXXX and again on XX/XX/XXXX. Case ID : XXXX. On both occasions I was forwarded to Goldman Sachs. On XX/XX/XXXXXXXX I was advised that a supervisor would review and contact me - no one did. On XX/XX/XXXXXXXX I was told that Goldman Sachs could not address the problem other than to tell me to change the email address that I never used intentionally and can not delete.
Company Response:
State: NH
Zip: 032XX
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A