Date Received: 2023-10-25
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I did an online chat regarding my AppleCard ( Goldman Sachs ). I requested statements from the year XXXX I was told multiple times that there is no ability to provide statements further than 2 years back. All other banking instiution have been able to help me in this matter as I have an IRS audit and need the statements.
Company Response:
State: UT
Zip: 84020
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
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 am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33155
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: The general interest on my card when actually applied equates to roughly 10 % higher than the posted rate on my card and seems to vary based on amount paid. To clarify not the amount of interest but the actual interest percentage seems to vary. I have reached out numerous times and nobody seems competent to even understand the issue or prepared to listen to the problem. All I get are promises that the interest is correct with no actual math or material facts to back it up. The highest level of management I can even speak to doesnt even seem capable of listening to any question I ask. I have provided them screen shots of their own app as well as all the math I have done for them to dispute.
Company Response:
State: VT
Zip: 05401
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Problem when making payments
Subissue:
Consumer Complaint: On XX/XX/XXXX, my bank, XXXX, transferred from my savings account {$9600.00} to GreenSky. That is the full amount of my loan. Green Sky says they never received the money even though my bank has provided me - and thus them - the TR #, the transitioning number, and the trace number proving they were sent the money. I have talked numerous times with GreenSky on the phone explaining the situation. After three weeks I was finally given a Resolution team member to work on this. No results. Then I got her manager and she has not been returning my calls either. Last week the resolution team member manager finally told that in early XXXX, GreenSky experienced an " internal banking error '' that resulted in payments across their company to not being properly credited. " All '' of their accounts are messed up. They can't seem to find a solution or know what exactly happened. Nor are they in any hurry to solve the problem and properly credit my account. I was repeatedly told that it was my bank, BMO, that made the mistake and never sent the funds. Thus, I filed a CFPB complaint ( # XXXX ) against my bank when in fact I should have been filing this complaint against GreenSky last week. Since I now have transaction numbers, etc. to prove that XXXX sent the funds, it is GreenSky which has made the mistake, not been transparent about their " internal banking error '' of early XXXX, and has continued to deny the rightful resolution to this issue- the crediting of {$9600.00} to my loan.
Company Response:
State: CO
Zip: 80227
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
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: These are unauthorized charges that started in the month of XXXX. I was charged {$590.00} over 3 times first one started on XXXX XXXX XXXX. This has been ongoing for almost a year I have file a police report and I need this matter resolved. Per Goldman Sachs Apple card policy is that the consumer is not responsible for unauthorized charges but yet I am being held responsible for these unauthorized charges that was open on the internet from XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have had to close my card several time per Goldman Sachs agents they kept placing the blame on other agents for not filing the complaint properly instead of solving the problem this has continue from XXXXXXXX and still on going I have pay this account completely off over times the problem still not solved. Goldman Sachs Apple Card Acct # XXXX XXXX XXXX XXXX
Company Response:
State: NV
Zip: 890XX
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies, and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by XXXX XXXX XXXX which states It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX Bank, APPLE CARD/GS BANK USA XXXX XXXX XXXX, XXXX XXXX, LOUISIANA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NR/SMS/CAL ) XXXX a financial institution XXXX definition under that title. XXXX XXXX XXXX section XXXX a section XXXX states, " In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX Bank, APPLE CARD/GS BANK USA XXXX XXXX XXXX, XXXX XXXX, LOUISIANA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NR/SMS/CAL ) XXXX financial institution and XXXX Consumer reporting agencies XXXX, XXXX, and XXXX XXXX not have my consent to furnish this information and they surely do not have my written consent. Any and all consent XXXX, XXXX, XXXX, ( XXXX Bank, APPLE CARD/GS BANK USA XXXX XXXX XXXX, XXXX XXXX, LOUISIANA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NR/SMS/CAL ) XXXX it be verbal XXXX non-verbal, written, implied, or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX Bank, APPLE CARD/GS BANK USA XXXX XXXX XXXX, XXXX XXXX, LOUISIANA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NR/SMS/CAL ) XXXX never XXXX XXXX XXXX my right to exercise my nondisclosure option. Not only that XXXX XXXX XXXX ( a ) ( XXXX ) states '' Except as authorized under subsection ( b ), but no consumer reporting agency XXXX also make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' This account is an adverse item they are reporting again without my permission, which is against the law. XXXX XXXX Code XXXX ( A ) ( XXXX ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX states '' XXXX consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer XXXX exercise the right to opt out at any time. '' I am opting out of your reporting services.
Company Response:
State: LA
Zip: 70068
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Me and my husband purchased a car. The downpayment is XXXX My husband requested the transfer on XXXX XXXXXXXX. The transfer was then scheduled for Monday. On XXXX XXXX ( today ) he went to check the status and his account was actually blocked. When I checked, my account was also blocked. From that on, we are suffering to reestablish the access. They wasn't being able to " send a pin '' to " verify my account '', but all information we gave was right. After long calls, my husband managed to have access again. We immediately requested A SECOND TRANSFER ON XXXX in order to have all our money back. Now our first transfer of MY FIRST TRANSFER OF SATURDAY XXXX was reversed and we have a check to pay tomorrow. They just need to liberate our money, from all transfers ( FIRST AND SECOND ).
Company Response:
State: CA
Zip: 95376
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: XX/XX/2023 My account has been locked and Apple or Goldman Sacs has not provided a reasons why. I requested the reason after contacting support. They requested that I change my password and I did so. After this they claimed someone will contact me within 2 hours to resolve and no one has contacted me. Meanwhile my account remains locked, and I have not been provided any information related to the details of why it is locked.
Company Response:
State: CA
Zip: 92630
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act APPLE CARD/GOLDMAN SACHS XXXX XXXX XXXX HAS VIOLATED MY RIGHTS 15 USC 1681 Section 602 states : I have a right to privacy. 15 USC 1681 SECTION 604A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION. 15 USC 1666 B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT CARD PLAN AS LATE FOR ANY PURPOSE.
Company Response:
State: MI
Zip: 48507
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX XXXX XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' GOLDMAN SACHS BANK USA is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' GOLDMAN SACHS BANK USA the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, GOLDMAN SACHS BANK USA whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code $ 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish an information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "
Company Response:
State: FL
Zip: 33705
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A