Date Received: 2023-10-19
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2023 I transfered {$500.00} from my Marcus account ( Goldman Sachs high yield savings ) into my XXXX investment account. On XX/XX/2023 I was informed that Marcus denied the {$500.00} transfer for " insufficient funds '' and my XXXX account was - {$500.00}. Marcus showed my transfer as " Posted '' and took the {$500.00} out of my account. Both institutions are saying the other one has my money.
Company Response:
State: MN
Zip: 55129
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In accordance to the fair credit reporting act this creditor violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states the consumer can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit card as late for any purpose.
Company Response:
State: TN
Zip: 38109
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made two payments and my available balance is on hold. They took the money from my bank account but the balance wont be available until XX/XX/24 so Im left without money for an entire week.
Company Response:
State: IL
Zip: 60103
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: NV
Zip: 89145
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: In XX/XX/2019, my identity was swollen, and many of my accounts were hacked and charged to XXXX. One of these Account in particular is the Apple card. As soon as I realize what was going on with my account, and I no longer had access to it, I filled out an online complaint form with identity theft, and I talked to Apple and told him that it was fraud, and then I was gon na pay it. I didnt amount to my card after it was taken over. and informed any theft.gov, see three, FTC, SSA, And all through credit bureau agencies. on the phone with Comenity bank, they said that i did not provide a police report of the fraudulent charges which she absolutely did, and they gave us the Apple ID which was affiliated with. That ID is no longer excess. The charges need to be taken off credit report because they were not made by her and while trying to get this done, the phone calls kept disconnecting, and I had to call Back explain everything all over again just get disconnected again. The account is an Apple Card. And I am unsure of the amount of charges, but I was told there's 15 pages worth.
Company Response:
State: TX
Zip: 75230
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: XXXX I requested a credit increase on my apple card. I was declined and told it was due to high balances on the revolving credit and length of time accounts are established. So since I was planning on using that card on Monday I made the payment on Saturday for {$15000.00} ( I am attaching the copy of the Payment made ). Since Saturday I have called Goldman Sachs 3 times. They refuse to post the XXXX XXXX payment. They refuse to call my bank and see that the money was taken out of my bank by Monday. I have asked for a supervisor to call me back since Saturday no one has called back. In the pass I had The Goldman rep tell me that yes in the past my payments of {$9000.00} were posted immediately but now I need to wait XXXX XXXX for them to post my payment so I can use the card. I believe that they are prejudice to me. Also the paper work from Goldman Sacks said my XXXX XXXX score as of XX/XX/XXXX was XXXX I have my XXXX from todayXXXX which is XXXX. ( which was lowered due to the inquires ) I also have the XXXX credit report from XX/XX/14 which I printed when Goldman declined increase that I requested, shows my credit score at XXXX and that I have only used 5 % of my availabe credit. Currently I have paid the apple card in full but they will not post my payment so I can use my card. Also on XX/XX/14 I applied for XXXX revolving card and got {$35000.00} credit line so how can that be?
Company Response:
State: CA
Zip: 91344
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I have a credit card with goldman sachs/apple . I have had difficulties paying the card since having only XXXX payments. I requested them to work with my debt management company and they refused. I have called several times and also sent a letter to them asking if they would reduce interest and setup a payment plan with me directly. They have refused to work with me in any way and continue to only make the payment higher and more impossible for me to catch up on and have made the regular monthly payment besides the back payment unfairly high. I called today XX/XX/18 and asked if there was any way I could resume monthly payments as they were and they said that the regular monthly payment besides the back monthly payment was now more than $ XXXX which previously was $ XXXX. So even if I paid the back payments I would now have to pay a $ XXXX monthly payment which they know is impossible for me to pay and also seems to be abusive of the collections system. I have tried very hard to do everything in my power to work with them and they have no desire to work with me and are now on top of that preventing me from being able to ever catch up on any payments. This will drive me into bankruptcy only due to this one card. They also said they will not send it to collections and so there is no way for me to negotiate or create any sort of payment plan ever as Im told they only do in house collections.
Company Response:
State: NH
Zip: 037XX
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XXXX Apple suspended my account for review of an XXXX charge dispute -I called every day for a month asking for updates and understanding of why my account was suspended. Multiple representatives told me that it would be resolved within the day or week. -I provided evidence proving a financial error by XXXX and Apple wherein I was being charged for a monthly installment for a watch I returned last XXXX. The Apple employee forgot to cancel my wireless plan attached to the watch when it returned and i was being charged for a watch and service I did not need. -After one month of daily calls, my account was closed without explanation
Company Response:
State: CO
Zip: 80302
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
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: To whom it may concern regarding case # XXXX. The fraudulent transactions were for 2 purchases made at XXXX XXXX XXXX outside XXXX XXXX for {$3100.00} and {$3300.00}. I am requesting that the funds taken out of my account by criminals - or whoever committed this crime against me- are returned to me immediately. I have spoken to XXXX, XXXX XXXX and XXXX representatives who talked to me to understand my situation and helped resolve this matter for me favorably. Apple Card has been nothing but unhelpful on this matter and would not talk to me so I can explain my situation. In this report, you will find the following documents that I have used as evidence. A full police report that I submitted to XXXX XXXX from the XXXX XXXX Police Department outlining the crime committed against me A letter from Doctor XXXX XXXXXXXX XXXX outlining that I spent a night under XXXX XXXX XXXX following an accident ID Theft Report that I submitted to the Federal Trade Commission with details of this criminal act against me I have included various emails from both XXXXXXXX XXXX and XXXX XXXX showing Fraud Alerts that they sent me for transactions attempted by these criminals during the same time period. I also included letters from XXXX, XXXX and XXXX confirming that they ruled in my favor and refunded me for the fraudulent transactions when I disputed them Proof from XXXX XXXX that I traveled to XXXX from XXXX on Thursday XXXX of XXXX and returned on the morning of the XXXX of XXXX Some background information on me including a screenshot of my XXXX Profile and extended resume. I added this to prove that I am an ordinary and decent person and not a criminal or fraudster. I beg you to call me ( XXXX XXXX XXXX ) to talk through this and I can explain anything you need me to. I appreciate your help in resolving the matter. This matter has caused extreme stress for me during a difficult period of my life. Regards, XXXX XXXX XXXX
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: We made XXXX XXXX come to our house and talk about installing solar panels on our house.XXXX XXXX.We were approved for the loan.XXXX Green Sky gave XXXX XXXX money to buy the equipment.Without verification from usXXXX XXXX panels where installed.Green Sky paid XXXX XXXXWe where told Electric company had to come out and install new meterXXXX Electric company came out.installed new meter XXXX XXXX was paid. Without verification that the work was completed.Solar panels are still not working and we are getting higher electric bills .We have call both companies over 10 times and no one has resolved the problem.They also try to i stall a smaller unit than the one we had contacted for our house.
Company Response:
State: MO
Zip: 64015
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A