Date Received: 2023-11-02
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 used my Apple Card to purchase two tickets for a local concert. When I attempted to use my Apple Card I received an error from XXXX saying my payment couldnt be processed. So I waited a minute and tried again. The second time the purchase was successfully made ; however, I was charged twice. I attempted to resolved this with the ticket company ( XXXX ) they submitted a request for refund but I never hear from them again. So I tried again with the ticket company. They submitted a second refund request. I never heard back. So I went to XXXX and disputed the additional charge. They replied that I intended to purchase all those tickets which Im fact I had not.
Company Response:
State: CO
Zip: 80123
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: My XXXX company notified me that my bank returned a XXXX payment due to insufficient or uncollected funds. I spoke to multiple managers from Marcus by Goldman Sachs, who shared that this was incorrect and that I had the balance to cover the funds. My XXXX company was able to provide me proof that the funds were returned. This resulted in me paying a XXXX NSF fee, a {$150.00} late fee, and a XXXX dollar credit card processing fee. I have been waiting several weeks for a representative to contact me. At this point, I request that Marcus cover the charges for the fees charged due to their returning the funds. The managers spoken to : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX All of my attempts since XXXX should be documented at Marcus since the XXXX of XXXX.
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Today XX/XX/XXXX I received the outcomes of XXXX disputes that were reversed for the XXXX time to the merchant. These disputes were filed in XX/XX/2022. They were for XX/XX/2022 and XX/XX/2022. I filedXXXX disputes in XX/XX/2022 against the same merchant. I have had XXXX disputes ruled in my favor. So dont know how I still have XXXX left. I called them today to reassert XXXX of them. I have never received the receipts for them. I have called 5 times today and either was transferred and put on hold for half an hour or longer and no one would pick up so I had to keep calling back. Finally they answer and they are unable to send the receipts. Worst customer service ever. I have sent every time that I have reasserted these disputes the same evidence that I sent for the XXXX that was ruled in my favor. The evidence was good enough for XXXX so what is the problem now? I know its called harassment, maybe revenge? I am sick of this mess and have been dealing with it for a year now. You owe me {$17000.00} from the disputes that were ruled in my favor. My account has never been credited for all of them. Take the money for these last disputes from what you owe ME. You are the most corrupt bank I have ever seen. You will not get another dime from me. I did not authorize any of the disputes and I never gave that merchant my card number, password, PIN number or CVV number. I dont use Face ID or fingerprint ID. The IP address on the merchants evidence is not mine. I have sent you proof .Your bank authorized these transactions on a name and address!! I have researched this merchant and they are corrupt and are located in XXXX the most corrupt company in the world. You need to be shut down from your corrupt business practices. You have thousands of complaints for the same reasons that I am having. You are ruining the Apple name. You do nothing but lie and steal from the consumers. I will fight this till the day I die. I dont give up easily and I DO NOT PAY FOR FRAUD. I demand that these disputes be taken to XXXX Arbitration.
Company Response:
State: IN
Zip: 478XX
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I opened an online savings account with XXXX by Goldman Sachs in XX/XX/XXXX, which I funded with money from my checking account at XXXX XXXX ( which was linked and approved by Marcus ). One month ago ( on XX/XX/XXXX ), I requested my savings to be withdrawn from the Marcus account. The transfer was reversed the following day on XX/XX/XXXX. I contacted Marcus to understand the situation, and was informed that my account had been locked. The reason provided to me was that I needed to be verified with a pin authorization sent to my mobile number on file ( the same number I have been using for years and which has never been changed since I opened the account - also the number called Marcus from ), but that since the number was not associated to my name ( whatever this means ) they couldnt verify me and therefore had to lock my account. I was then informed the only way to unlock my account was to sign a notarized affidavit and return it to Marcus. They claimed it was mailed to me on XX/XX/XXXX, and that it should arrive in XXXX business days. After 15 days I had not received the affidavit in my mail. I called Marcus again on XX/XX/XXXX to request the affidavit be re-sent, and I was informed that there was a new company policy which no longer used affidavits. Instead, I was to be called by Marcus within XXXX business days to rectify the situation and confirm my identify. XXXX business days have passed, I have not been anywhere without my phone and, surprise surprise, I havent received a call from Marcus. My account has been locked for one month. I have urgency in withdrawing my funds, and feel like I am no closer to having my situation solved. I feel completely powerless and have no idea what to do. I request Marcus by Goldman Sachs to please unlock and close my savings and CD accounts, and transfer all the funds to my XXXX XXXX account ( the original account I used to fund it ).
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Apple Card holds payments for 7 business days before updating credit limit, despite funds already being withdrawn from bank account. This means that despite paying the credit card on time, there is a 10 day period of not having access to credit on the card. Support will not manually release the hold. They advise that the only way to avoid a hold is to pay the credit card balance via Apple Cash and that it will then be adjusted immediately. I am not sure whether forcing consumers to use Apple Cash for timely release of their credit is legal but it is inconvenient. There is no notification when you make an ACH payment that your credit will not be updated for 7 business days. This is a big annoyance and has resulted multiple times in $ XXXX of credit not being available to me more than a week after submitting an on time payment. Please help.
Company Response:
State: NY
Zip: 124XX
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am having a problem with the XXXX XXXX XXXX credit card by Goldman Sachs. I have always paid my bill on time and have a very high credit score. I have accounts with many different banks and this is the worst company I have ever worked with. They do not stand behind their customers at all. My payment was due on XX/XX/XXXX. I went online that day, logged into my account to pay my bill. It would only let me chose XX/XX/XXXX to make a payment. I tried calling and sat on hold over 30 minutes and never got through and kept getting disconnected. So I processed the payment online. I received an email immediately, on XX/XX/XXXX that my payment was received. Any other company, XXXX for example if the payment is made after a certain time automatically reverses any late charge. I figured the same would happen. The payment was made on time on the due date of XX/XX/XXXX. That isn't the case with this company and I was charged on XX/XX/XXXX two separate interest charges in the amount of {$32.00} and {$37.00} for a total of {$70.00}! I have called multiple times, been transferred, submitted claims, waited for calls back that I have never gotten. I have wasted hours and hours of time on the phone over this and they will not reverse the charges. I am not even told why there are two separate charges.
Company Response:
State: WI
Zip: 530XX
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Marcus by Goldsman Sachs never resolved my concerns and problems. I had to call multiple times and my concern never has been resolved. The customer service people are really rudes to me and hanged up on me. I am not able to add Gm Credit card to my apple wallet through the Marcus app and Marcus website. It happened to me too many times. Please take an action against them.
Company Response:
State: CA
Zip: 94941
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: The company denied my application for a credit line for credit report discrepancies on XX/XX/2023 and other multiple occasions. Pursuant to the Truth in Lending Act, I should be allotted the same opportunity as someone with a perfect credit score. Pursuant to the Federal Reserve Act Section 16, in no event shall the amount applied for using collateral security be less than the amount requested.
Company Response:
State: AL
Zip: 36303
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Managing an account
Subissue: Problem with fees or penalties
Consumer Complaint: HELLO name-XXXX XXXX XXXX XXXX XXXX i renew my cd on XX/XX/XXXX with number XXXX online with bank marcus by goldman Goldman Sachs Bank USA XXXX XXXX XXXX XXXX XXXX PA XXXX this cd is keep renewing for more than two years i am loyal costumer for the bank.in XX/XX/XXXX i saw some account name XXXX XXXX XXXX is connected to my cd XXXX and my saving account XXXX and that is not my account and i never requested it. ere XXXXXXXX XXXX th withdrawal from saving XXXXand bank deposited back without informing me so i called bank today XXXXabout this fraud they ask me to to close the saving account so i did .but they didnt close my cd and asking XXXX for closing the cd.as of now XX/XX/XXXX until XXXX still that fake account is connected and showing that money will go to that account ( XXXX XXXX ) which is not mine. so i ask bank that i want to withdraw my money from my cd because of this scam but they are asking XXXXXXXX XXXX to do that so please help me to get my money back. note- bank withdrawal XXXX and put back is XXXX without my request.so they new something is wrong still not informing me. i talked to three different departments of bank but no response please help me to get justice i have all supporting documents and bank calls are all recorded lines of banks thanks
Company Response:
State: NJ
Zip: 08901
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My CD with Marcus by Goldman Sachs matured on XX/XX/XXXX. I requested the account be closed. On XX/XX/XXXX I received email verification that the account was closed. By XX/XX/XXXX I had not received any funds either by wire or by mail and contacted G/S I was placed on hold repeatedly and was told they would call me back rather then me wait on hold. I did not receive a call back. XX/XX/XXXX I called and was told by XXXXXXXX XXXX XXXX ) it takes 3 days for the money to be wired. XX/XX/XXXX, No fund received by my bank and spoke to XXXX then XXXXXXXX XXXX XXXX XXXX who said the account to which the wire was to was to be sent was a business acct. That is not correct is it a personal savings account. The same account the funds were initially send to G/S. I was then transferred to XXXX and requested a check be mailed. That would take 1 to 10 days. XX/XX/XXXX I received an email from GS requesting I call them back. Spoke with XXXX XXXX XXXX XXXX and XXXX, who needed to send a PIN to verify I was who I said I was. A verification code was sent to me each time I asked for the funds to be transferred or mailed. XX/XX/XXXX I called and spoke with XXXX who said the check was sent out overnight. XXXX I called G/S and was told the check was sent USPS and the tracking number is XXXX. I entered the number in the USPS tracking website and this message appears - '' XXXX doesn't seem to be a USPS tracking number. Please check the number and carrier and try again. '' This is ridiculous.
Company Response:
State: CO
Zip: 80023
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A