Date Received: 2023-10-17
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened a XXXX by XXXX XXXX XXXX XXXX account in XXXX funded it from my other bank with XXXX dollars, a week after XXXX closed my account and sent the money back to my bank, only thing is my account with that institution was already closed so the funds would get reversed. XXXX keepers giving me the run around when I know they still have my money? l, theyve had it since XXXX and theyve been keeping it interest free since then
Company Response:
State: NJ
Zip: 075XX
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am re writing to bring to your attention AGAIN! that there are entries on my consumer credit report resulting from identity theft. I want to emphasize that I neither provided written authorization nor instructions for these specific transactions to be included in my consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], and the Fair and Accurate Credit Transactions Act ( FACTA ) [ 15 U.S.C. 1681a ], I hereby formally request that the reporting of this information be blocked and promptly deleted from my credit report. I want to make it explicitly clear that my request to block and remove this information is not made in error, nor is it based on any material misrepresentation of facts by me pertaining to the transactions in question. These identified transactions are not related to any of my own financial activities as a consumer, and they have been listed as follows : APPLE GS/CARD, XXXX XXXX XXXX addresses : XXXX XXXX XXXX XXXX XXXX oh XXXX
Company Response:
State: OH
Zip: 44128
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: Dear Sir/Madam, I am writing to file a formal complaint against Goldman Sachs and Apple Credit Card , for practices that I believe to be unjust, potentially deceptive, and in violation of our agreed-upon contract terms. The transactions posted to the account on XX/XX/2023, XX/XX/2023, and XX/XX/2023. Initially I opened the disputes on XX/XX/2023, and XX/XX/2023. I agreed with XXXX for the development of a custom-coded website and related services. The issues began with what I perceive to be an unreasonable charge of 18 billable hours for a simple monogram design, a figure that is grossly inconsistent with industry standards. Moreover, the project, which caused a phased approach, encountered insurmountable hurdles when the merchant refused to implement specific feature requests. These features were not only integral to the project 's success, but were also services that the merchant explicitly advertised. Their refusal effectively rendered the contract void, as the services promised were not delivered. Despite numerous attempts to resolve these issues through Goldman Sachs, the responses have been unsatisfactory and, from my standpoint, display a clear bias towards the merchant. My concerns seem to be dismissed without a thorough investigation, and the evidence I've presented has been, in my view, largely ignored. I've meticulously reviewed the evidence provided by the merchant, and I'm baffled by the conclusions drawn by Apple Credit Card Services. Here 's where things don't add up : 1. Yes, there was a contract, which isn't in dispute. However, the crux of the matter is the merchant 's failure to fulfill their contractual obligations. They've produced no solid proof that the website was fully developed to the agreed specifications, nor is there any indication that I gave my stamp of approval on a completed site. 2. The merchant did provide evidence of my initial approval of the logo and the website 's preliminary design. However, this in no way justifies billing XXXX XXXX of the hours for merely XXXX XXXX of the entire scope of work. The math just doesnt work out. 3. The most glaring issue, which both the merchant and Apple Card Services have chosen to overlook repeatedly, is the absolute lack of custom coding involved in the website 's creation. The merchant 's advertising explicitly included custom coding in the package I purchased. This omission is not a minor oversight ; it's a fundamental breach of contract. Yet, this critical point is being willfully ignored, resulting in the merchant being unjustly rewarded with their transaction fees, while I'm left grappling with unwarranted charges. This situation doesn't just raise a red flag ; it's a glaring signal of a process that has, in my view, gone seriously awry. The merchant 's failure to deliver on key contract elements and the subsequent financial implications for me are concerns that I believe warrant immediate and thorough review. I have enclosed all relevant documentation, including the original contract, email correspondence, and promotional materials from the merchant that clearly state the inclusion of custom coding services. I respectfully request the CFPB to comprehensively review this matter and to consider possible violations of consumer protection laws. Furthermore, I seek guidance on how to proceed with this issue, as traditional resolution avenues have proven to be ineffective. I appreciate your prompt attention to this serious matter and look forward to the opportunity to discuss this further. Please contact me. Thank you for your time and assistance. Sincerely, XXXX XXXX
Company Response:
State: TX
Zip: 77373
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: Card was charged for something you did not purchase with the card
Consumer Complaint: i was charged {$69.00} for a XXXX XXXX subscription i didn't sign up for and when i disputed the transaction they denied it, the charge was for a suposedly monthly subscription but i was only charged once, and months after the last time i had flown om spirit
Company Response:
State: MI
Zip: 48221
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: We mailed in a bank check from our HELOC ( XXXX XXXX ) for XXXX to pay down the balance. The check was received by the CC company ( Goldman sachs ) on XX/XX/XXXX. However we dont have access to the XXXX until the check clears. They will not give us access until XX/XX/XXXX. ( 9 days ). I called XXXX today and was informed the check had already cleared. I called Goldman to let them know and they said there is nothing they can do and Im out of luck until the XXXX. Why dont I have access if the money has already left my bank account?
Company Response:
State: PA
Zip: 19335
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I am writing to file a formal complaint regarding inaccessible funds with my Apple Credit Card account On XX/XX/23, I transferred {$9400.00} from my Apple Credit Card account. However, while this amount has been withdrawn from my account, it is not accessible to me. When I attempt to use my Apple Credit Card for purchases, the balance shows only {$4.00} available credit. I have attempted to resolve this issue through customer service requests [ explain attempts, dates, who you spoke with ]. Unfortunately, the problem has not been resolved and I remain unable to access the {$9400.00} I withdrew from my account. This situation is unacceptable and has prevented me from being able to make essential purchases. I rely on access to the credit I have been granted by your institution. Please advise me immediately regarding what steps you will take to restore my access to the withdrawn {$9400.00} funds, so I can make necessary payments. If this issue is not resolved within 5 business days, I will escalate my complaint to the Consumer Financial Protection Bureau and consider legal remedies. Thank you for your prompt attention to this urgent matter.
Company Response:
State: CA
Zip: 94110
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Attention : Lending Team for Apple/Goldman Sachs credit card XXXX XXXX XXXX I applied for a credit card on XX/XX/2023 and got denied. Regardless of the reason for being denied, I have the right to credit. Withholding my access to my securities is securities fraud. You are violating the equal credit opportunity act and consumer protection act. Since you are denying me my credit, please retract my application. This is a direct violation of my rights as a consumer. 15 USC 1602 ( f ) tells me credit is my right. I can not be denied a right. 15 USC 1691 ( 3 ) I exercised my right to credit. 15 USC 1602 ( g ) - the term creditor explains I am the person who regularly extends credit. I credited this transaction so how can you deny me? 15 USC 1681 ( k ) Adverse Action - nothing under Adverse Action gives you the right to deny me. 15 USC 1602 ( l ) I credited this transaction as a creditor from my credit card, this was a credit transaction from my credit card. 15 USC 1602 ( p ) unauthorized use, you ran the credit card and I received no benefit. 15 USC 1602 ( p ) makes it clear that you committed fraud and used my credit card without authority and I received no benefit from this transaction. 15 USC 1691 ( a ) ( 3 ) makes it clear that I can not be discriminated against for exercising my rights. XXXX, XXXX XXXX attorney in fact for XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 34714
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have been unable to resolve my issue with the incompetence of your staff at the lower levels so I am emailing you directly as CEO of Goldman Sachs. My issue is simple, I am a XXXX XXXX XXXX XXXX XXXX on XXXX XXXX. He has been on and off XXXX XXXX for years and on this latest time I receive orders there has been a struggle to get my Servicemember Civil Relief Act ( SCRA ) benefits and protections ( 6 % interest rate on credit cards ). Over 90 % of my credit card companies have complied with this which is the federal law ( statute ) yet Goldman Sach 's Apple Card have stonewalled me a few occasions. I need resolution at your level. This has also been the case with my wife 's credit card- XXXX XXXX. See email chain and attachments. Thank you.
Company Response:
State: MD
Zip: 206XX
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: 2023-10-15
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I recently reviewed my consumer report and I've noticed some incorrect and fraudulent accounts on my consumer report that should not be there. I was a victim of idenity theft and i need these fraudulent accounts removed immediately. 1. XXXX XXXX XXXX XXXX XXXX. Account # XXXX
Company Response:
State: NV
Zip: 89119
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I accidentally purchased a subscription for {$7.00} on XX/XX/2022 on an application for my XXXX. I used the Apple Card and immediately told the card issuer on XX/XX/XXXX that it was an accidental purchase. I submitted two claims and both were denied because they were " Not Eligible for Refund ''. However, I never meant to purchase this subscription.
Company Response:
State: NC
Zip: 27604
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A