Date Received: 2024-01-12
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: My {$25000.00} CD was hacked on XXXX and hackers tried to withdraw my money. I reported this to the fraud dept and a review was done in my favor and money was put back into my account. I asked to withdraw it since I did not feel comfortable leaving my money there since they already had poor security measures and I did not want to be hacked again. They told me they would have to charge me a $ XXXX fee for early withdrawal, which I did not agree to but accepted since I wanted my money.No check had been received after 10 days, I called the XXXX NJ post office and this is what they told me. A check was mailed to me with an incomplete address on it, so my post office had it but did not know what to do with it. So I called Marcus, and they told me they would issue a stop payment and when they received the funds back they would reissue and wire to me. It was sent by certified mail. The next thing I knew the check was in my mailbox, but no signature was requested, so I did not know it was out there. As soon as I got it, I called Marcus and they told me it was OK to deposit into my bank. I drove to my XXXXXXXX XXXX and sat down with the branch manager and explained my story and they also told me that the check should be ok. A week later on XXXX, it was returned to Marcus . So the money has never technically been withdrawn from my account. Marcus has had it this whole time. I have made about 25 calls total to Marcus to try and get my money and get a new story every time. When I call I ask for a supervisor each time, since most of their staff is clueless. They told me I needed to sign an affidavit for " lost check '' in order to get my money. I signed it but did several cross-outs on it since it did not pertain to this check situation. I returned to them. They now tell me it needs to be notarized and they will not accept any cross-outs. I do not feel comfortable signing a document that is not true. they said it was the only way I could get my money cause it was their policy. This is my money and I want it. The hackers had an easier time taking my money than me the owner. So Marcus bank has hijacked my money and it has been about 3 months they have held on to it with no interest to me. Please advise how I can withdraw MY MONEY ASAP, since I have been laid off and I need MY MONEY.
Company Response:
State: NJ
Zip: 08844
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have attached a copy of both 1099-C that was filed for the following accounts XXXX and XXXX to show proof that the debt were paid. Additionally I have requested that they removed the stated accounts from my consumer reports and it has yet to be done.
Company Response:
State: PA
Zip: 18017
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I hope this message finds you well. I am writing to urgently bring to your attention a matter of concern related to a registered security issued to Goldman Sachs for the Apple Card on XX/XX/2024. I had anticipated a prompt and secure handling of associated processes but have encountered issues that require immediate resolution. In reviewing the situation, I find it crucial to draw attention to the applicable sections of the Uniform Commercial Code ( UCC ), specifically 3-309, 3-312, and 4-302, outlining the obligations and responsibilities concerning negotiable instruments and payment processing. Adding to these concerns, 3-603 of the UCC states that if tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. Furthermore, if tender of payment is made and refused, 3-603 ( b ) specifies that there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. Additionally, 3-603 ( c ) notes that if tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made a tender of payment on the due date to the person entitled to enforce the instrument. Regrettably, the current situation has prompted concerns that may be indicative of a potential securities fraud matter. In the best interest of all parties involved, I urge you to address this issue promptly and rectify any discrepancies. ( b ) Notice of defaults The indenture trustee shall give to the indenture security holders, in the manner and to the extent provided in subsection ( c ) of section 77mmm of this title, notice of all defaults known to the trustee, within ninety days after the occurrence thereof : Provided, That such indenture shall automatically be deemed ( unless it is expressly provided therein that such provision is excluded ) to provide that, except in the case of default in the payment of the principal of or interest on any indenture security, or in the payment of any sinking or purchase fund installment, the trustee shall be protected in withholding such notice if and so long as the board of directors, the executive committee, or a trust committee of directors and/or responsible officers, of the trustee in good faith determine that the withholding of such notice is in the interests of the indenture security holders. ( c ) Duties of the trustee in case of default The indenture trustee shall exercise in case of default ( as such term is defined in such indenture ) such of the rights and powers vested in it by such indenture, and to use the same degree of care and skill in their exercise, as a prudent man would exercise or use under the circumstances in the conduct of his own affairs. ( d ) Responsibility of the trustee The indenture to be qualified shall not contain any provisions relieving the indenture trustee from liability for its own negligent action, its own negligent failure to act, or its own willful misconduct, except that ( 1 ) such indenture shall automatically be deemed ( unless it is expressly provided therein that any such provision is excluded ) to contain the provisions authorized by paragraphs ( 1 ) and ( 2 ) of subsection ( a ) of this section ; ( 2 ) such indenture shall automatically be deemed ( unless it is expressly provided therein that any such provision is excluded ) to contain provisions protecting the indenture trustee from liability for any error of judgment made in good faith by a responsible officer or officers of such trustee, unless it shall be proved that such trustee was negligent in ascertaining the pertinent facts ; and ( 3 ) such indenture shall automatically be deemed ( unless it is expressly provided therein that any such provision is excluded ) to contain provisions protecting the indenture trustee with respect to any action taken or omitted to be taken by it in good faith in accordance with the direction of the holders of not less than a majority in principal amount of the indenture securities at the time outstanding ( determined as provided in subsection ( a ) of section 77ppp of this title ) relating to the time, method, and place of conducting any proceeding for any remedy available to such trustee, or exercising any trust or power conferred upon such trustee, under such indenture. If this matter is not handled in a timely and satisfactory manner, I may be compelled to escalate this concern to the Securities and Exchange Commission ( SEC ) and FTC. I am hopeful that we can resolve this matter amicably and promptly to avoid any further escalation. Your immediate attention to this issue is greatly appreciated. Sincerely,
Company Response:
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have an Apple Credit Card and Marcus GM Rewards credit card which are through Goldman Sachs Bank. This is a formal complaint against Goldman Sachs Bank for their violation of my rights under 15 USC 6802, 15 USC 1681, 12 CFR 1016.7, and the Privacy Act of XXXX. I believe that the bank has unlawfully shared my personal information without my explicit consent, and this action is a clear breach of the aforementioned statutes. Details of the Violation : Unauthorized Sharing of Information : I recently discovered that Goldman Sachs Bank has shared my personal information without my explicit consent. This sharing of information has serious implications for my privacy and may have repercussions on my financial well-being. Violation of 15 USC 6802 : The bank 's actions are in direct violation of 15 USC 6802, which prohibits the unauthorized disclosure of nonpublic personal information by financial institutions. Goldman Sachs Bank falls under the category of a financial institution, and the unauthorized sharing of my information is a clear violation of this statute. Violation of 15 USC 1681 : Additionally, I believe that Goldman Sachs Bank has violated 15 USC 1681, the Fair Credit Reporting Act ( FCRA ). This statute outlines the responsibilities of credit reporting agencies and ensures the accuracy and privacy of consumer information. The unauthorized sharing of my information compromises the integrity of this system. Violation of 12 CFR 1016.7 : Goldman Sachs Bank is also in violation of 12 CFR 1016.7, which establishes certain limitations on the disclosure of nonpublic personal information by financial institutions. The bank 's unauthorized sharing of my information goes against the provisions outlined in this regulation. Violation of the Privacy Act of 1974 : The Privacy Act of XXXX mandates the protection of personal information held by federal agencies. While Goldman Sachs Bank may not be a federal agency, the act 's principles are crucial in ensuring the security and privacy of individuals ' data. The unauthorized sharing of my information constitutes a violation of the Privacy Act 's core principles. Furthermore, I want to highlight that XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, and other nonaffiliated third parties have received my personal information without my approval. I did not consent to the sharing of my information with these entities, and their involvement exacerbates the breach of my privacy. I request that the Consumer Financial Protection Bureau thoroughly investigates this matter and takes appropriate action against Goldman Sachs Bank. I also request that the agency informs me of the findings of the investigation and any steps taken to rectify the situation. Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary actions to uphold consumer rights and protect against such privacy violations.
Company Response:
State: CA
Zip: 94520
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Marcus froze both my savings accounts and I got no notice they were frozen and it caused a payment to bounce and caused late fee and bounced payment fee from my landlord this is not acceptable.
Company Response:
State: DE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
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 dissatisfaction and re-dispute charges on my Apple Card statement, dated XX/XX/XXXX, totaling {$570.00}. These charges are associated with a hotel reservation at XXXX XXXX in XXXX, XXXX, for a three-day room and breakfast from XX/XX/XXXX to XX/XX/XXXX. As a cardholder, I understand my right to dispute charges in cases where services paid for were not received. In this specific situation, not only were the hotel services never fulfilled, but the merchant also failed to provide the expected refund despite my efforts to arrange it. To provide clarity, my grievances stem from the fact that we did not stay at XXXX XXXX, and we never checked in. Ongoing Construction activities right on front of our balcony significantly deviated from the advertised experience online. The construction activities resulted in excessive noise, dust, and created an eyesore, rendering our room not suitable for 3 days vacation in paradise. The primary reason for selecting XXXX XXXX and the premium paid it was due to the charming balcony with a view, but the disruption was so severe that an immediate departure became necessary, leading us to seek alternative accommodation. Despite expressing my concerns to the merchant and attempting to arrange a refund for services not rendered, XXXX XXXX charged my Apple Card on XX/XX/XXXX. This is despite the lack of fulfillment of services, my complaints, and the necessity to relocate due to the unfavorable conditions. We found a room at XXXX XXXX and we charge our card for a total of {$410.00} on XX/XX/XXXX ( XXXX XXXX ) for the same XXXX nights ( XXXX ) and breakfast. To support my dispute, I have attached communication from the hotel manager confirming the unsatisfactory conditions of the room, which was advertised online as a perfect stay but was far from it. This communication serves as additional evidence of the discrepancies between the advertised conditions and the actual experience.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX, a security was submitted to this company 's Trustee for the purpose of satisfying the outstanding obligation pursuant XXXX 3-603 and XXXX 3-604 . The instrument was tendered in good faith and with the intent to discharge the debt in full pursuant XXXX 3-311. I gave beneficiary instructions along with the security stating to process the tender of payment with special endorsement for the principal account for satisfaction and discharge as well as cancellation pursuant the trust indenture for the issuer and registrar. I gave notice to fulfill fiduciary duties and perform, per the Trust Indenture agreement, Trust Indenture Act of 1939 and Securities Act of 1933. The IRS-accepted 1099-A was submitted to the company as well to legally set off the debt. My account was not adjusted properly. As a federally protected living consumer and investor, I'm exercising my legal rights and putting this matter on the record with the CFPB. I understand the importance of compliance with the SEC, FINRA, XXXX and XXXX rules and guidelines in relation to handling securities. So, once the forensic audit proves my XXXX number is being sold and traded and I obtain an accounting from the Department of Revenue on the public and private side, I'll file arbitration to prove my claim of potential securities fraud.
Company Response:
State: NJ
Zip: 07083
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Denning me access to credit for frivolous reasons. Ive never been late or missed a payment for 2 years
Company Response:
State: FL
Zip: 33442
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have 2 phone and 2 XXXX so I try to use Apple Pay with my 2 phone but when I tried to add my another apple credit card for another phone but they don't let me do it and closed my account. At that time my credit was used about XXXX $ I can't pay right away on XXXX XXXX because I'm on my vacation. 2 days later when I come back to home. when I have cash to deposit to pay my debt but everything was gone. the Apple Card in my apple wallet disappear, so I can't see any transactions and my apple credit card anymore. I was try to call Apple Card service time to time they just tell me wait and just said they can't find my account even with my social number. while when I try to open another Apple Card. it said I already have an exist account. So now that debt keep make my credit score going low. I want to pay off the balance but they don't let me do it. I was open a complaint number XXXX. But noone answer so I tried to open another complaint number XXXX so finally they called me and help me opened back my apple credit card account and transfer all my old debt to new account.They said just dispute it is ok. But when I tried to do it customer service just say can't clear interest and I have to pay for that and transfer me around time to time.So they didn't clear my interest in past 3 months, and didn't clear my late payment history was damaged alot to my credit score until now. i want they take out the interest and late payment history was happened not because of my fault.It make my score from XXXX down to XXXX now and affect when I want to take a loans to buy house.
Company Response:
State: OR
Zip: 97015
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I kindly request the Consumer Financial Protection Bureau to intervene in this matter and investigate. This is Securities fraud. Which this will also aid in documentation to the Security and Exchange Commission. When I electronically signed the application for services, acknowledging that I granted Apple Goldman Sachs a security interest tied to an obligation of the United States, essentially considering it as cash. However, I haven't received any valuable consideration for this security, and it should not be disguising a gift to contractual agreement. According to Apple Underwriting Agreement with the Securities and exchange under the Company represents and warrants to, and agrees with, each of the Underwriters that : The Securities to be purchased by each Underwriter hereunder will be represented by one or more definitive global Securities in book-entry form which will be deposited by or on behalf of the Company with XXXX XXXX XXXX XXXX ( XXXX ) or its designated custodian. The Company will deliver the Securities to Goldman Sachs & Co. LLC, for the account of each Underwriter, against payment by or on behalf of such Underwriter of the purchase price therefor by wire transfer of Federal ( same-day ) funds to the account specified by the Company to Goldman Sachs & Co. LLC at least forty-eight hours in advance, by causing XXXX to credit the Securities to the account of Goldman Sachs & Co. LLC at XXXX XXXX The Company will cause the certificates representing the Securities to be made available to Goldman Sachs & Co. LLC for review at least twenty-four hours prior to the Time of Delivery ( as defined below ). An underwriter is defined as a person who has entered into an agreement with an issuer or selling security holder to perform one of the following roles : ( 1 ) purchasing securities for distribution, ( 2 ) distributing securities on behalf of the issuer or selling security holder, or ( 3 ) managing or supervising the distribution of securities for or on behalf of the issuer or selling security holder. Essentially, underwriters play a crucial role in facilitating the distribution of securities in various capacities. In summary, the account was created and opened in my name after the submission of a credit application, and the security was deposited and transferred to Goldman Sachs without any benefit to me. I assert that a denial or adverse action is not possible, indicating potential fraud. Despite attempts to reach out to XXXX XXXX XXXX, XXXX, as transfer agents, and Apple Inc. 's Investor Relations Department, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX, through telephone and their website, I have not received responses addressing my questions and concerns.
Company Response:
State: MA
Zip: 02368
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A