Date Received: 2024-01-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Goldman Sachs is doing incorrect math on how much credit I have for my card in XX/XX/XXXX. By XX/XX/XXXX, I paid {$1400.00} and I spent {$600.00}. On XX/XX/XXXX they downgraded my credit limit from {$1500.00} to {$800.00}. The system said that I had {$600.00} in card balance and I had {$190.00} available credit which is true that I had spent {$600.00} in XXXX however I paid a total of {$1400.00} and there's {$680.00} that is unaccounted for. There was one customer service rep who told me on around XX/XX/XXXX that I overpaid and I would have full limits and receive a check for anything I paid beyond the {$800.00} limit after my payment was applied on XX/XX/XXXX. The backend system made a mistake and when my payment was applied on XX/XX/XXXX, it incorrectly said that I have only {$190.00} when I should have had no limits and I was supposed to receive a check for {$79.00}. Here 's the original math done by the Goldman Sachs rep and this math checks out to me : {$1400.00} ( total paid for XXXX ) - {$600.00} ( total spent in XXXX as of XX/XX/XXXX ) - {$800.00} ( available credit limit that was supposed to be available to me on XX/XX/XXXX ) = {$79.00} ( credit overpayment check that would be sent to me ). Because Goldman Sachs is now doing incorrect math ( which I suspect is because their backend database isn't properly equipped to apply payments properly when a credit limit is downsized in the middle of a billing cycle ), here is the new formula of what happened : {$1400.00} ( total paid in XXXX ) - {$600.00} ( total spent in XXXX as of XXXX ) - {$190.00} ( available credit to me on XX/XX/XXXX ) = {$680.00} ( total amount that is unaccounted for ).
Company Response:
State: MI
Zip: 48212
Submitted Via: Web
Date Sent: 2024-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-14
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: This company is the worst credit card company! I have told them millions times I am facing hardship and still they have not resolved and made a fix affordable plan! Instead they have charge me fee, damaged my credit score as I couldnt pay their min due payment as their interest is incredible high. They have lied multiple times promising to have an affordable plan with no interest as I have told them my hardship and have not resolve and now damaged badly my credit score! Also the bank statement they have send me says I own XXXX dollars something but they report to credit score a higher dept. they dont even know what they are doing! See messages and letter. Thank you
Company Response:
State: CA
Zip: 90069
Submitted Via: Web
Date Sent: 2024-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-14
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: In XX/XX/2022, I applied for an Apple Card Credit Card with Goldman Sachs. Once approved, I linked my account with another persons account. Doing this, created an ongoing issue. Ive never been to use the account. The other account holder is the only one who was able to use the account. Despite numerous calls to both Apple and Goldman Sachs over 13 months, the issue remains unresolved. I couldnt use the card, add it to my phone via the app, and theres an inaccurate duplicate account report to credit bureaus affecting my credit score. Ive filed several disputes with all three credit bureaus, asserting the inaccuracy of the reported duplicate account. However, their investigations consistently claim the information is accurate, despite the evident error. This has resulted in a significant impact on my credit score, and neither Apple nor Goldman Sachs has attempted to resolve the problem in over a year.
Company Response:
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2024-01-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-14
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: XXXX XXXX XXXX I am submitting this complaint again because I started a dispute with my Apple credit card by Goldman Sachs for a {$4000.00} payment made to Caught a Deal a contracting company on XX/XX/XXXX that did not provide the service agreed upon or completed any job as described. The dispute was reversed despite having submitted evidence that supports my claim and Goldman Sachs Bank USA ( the " Bank '' ) failed to consider the facts, dates, order, and sequence in which the events happened. Bank Response to my first complaint : Goldman Sachs Bank USA ( the " Bank '' ) received the above-referenced complaint related to the Apple Card via the Consumer Financial Protection Bureau ( `` CFPB '' ) Complaint Portal on XX/XX/XXXX. The Bank appreciates the opportunity to address the concerns raised by XXXX XXXX ( the " Customer '' ) related to a transaction dispute with the Merchant Caught a Deal in the amount of {$4000.00}. The Bank conducted an investigation and confirmed no Bank error occurred. The Customer initially disputed the transaction on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The Bank applied a temporary credit while the dispute was investigated. Based on the investigation and a review of the evidence provided, the Bank resolved the dispute in favor of the Merchant. The evidence confirmed the Customer was provided with the Terms and Conditions and a contract which were both signed by the Customer. The Customer advised the Merchant that there was a hard time finding funding for the project and the Customer requested to delay the project until additional third-party funding could be found. During this time the Customer filed transaction disputes with multiple financial institutions against the Merchant. As a result, the Merchant pulled the work supplies from the property and ceased work until the transaction disputes could be resolved. The Customer 's evidence was insufficient in showing what damages occurred, or the Merchant was unwilling to work with the Customer. As a result, the temporary credit that was applied to the Customer 's account was reversed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The Bank sent the Customer an email detailing the dispute outcome. The Customer should contact the Merchant directly with questions or concerns related to the transaction. Based on the above details, the Bank kindly requests for this complainttobeclosed. My Respond : Payments made to the merchant were always on time. According to the contract signed, XXXX XXXX of the total cost had to be made at the start of the project. The number of payments made was greater than XXXX XXXX at all times to a point in which payments reached XXXX XXXX of the whole project cost within a week. Since we understand there were additions to the project with no work order submitted by the way, my brother did not know any better than accepting these additions with no work order submitted and despite these additions, my brother was able to keep up payments at a XXXX XXXX rate. The merchant was always requesting more funds and he came out with reasons that later on were found to not be true. despite the merchant requesting more funds my brother 's payments were always at 70 %. You must understand that additional costs were incurred with the progression of the project. Later on, we found out that no work was completed even the additions did not start and the project was not even close to the finish line. Damages were caused by the contractor for bad labor at the property and he did not know how to orchestrate the project. A licensed inspector came to the property right after my brother saw he was the victim of fraud he inspected the property and at the same provided a written letter giving a direct comparison to what the contractor or merchant was supposed to complete. The consumer never advised the merchant to delay the project. My brother was being pushed to get more funds when he already paid 71 % of the total cost upfront. My brother has this property as a rental in which he does not live he relied on the merchant and believed the contractor was doing the job. The house is 2 hr away and my brother 's only mistake was to trust that the contractor was completing the job when in reality he was not. Pictures, inspection report, and letter from the inspector signed by the home inspector and letterhead were submitted to Apple card. it seems like they did not review them. In a new dispute, Dispute case number XXXX XXXX we provided a detailed narrative of events explaining what happened. Detailing dates in which payments were made and showing that at the first week, my brother already paid the total cost of the project that later on had additions, and again despite this, he kept payment at 70 % and the contract states that XXXX XXXX at the start of the project and 50 % at the completion of the project. NO PROJECT WAS COMPLETED The consumer did not file transaction disputes with multiple financial institutions against the merchant while he was working as the merchant states. My brother started the disputes right after he realized he was the victim of fraud. Right after he saw that no work was done at his property when he went to the property on XX/XX/XXXX, he then started the disputes. The merchant made the customer believe he was working at the property all the months previous XXXX and came out with reasons to request more funds when the contract stated that 50 % was to be paid at the start and 50 % at the end. Please, also know that the contract itself does not comply with New Jersey XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pointed out the contract issue. The customer told the merchant in an email that he was officially terminated from the job on XX/XX/XXXX, when the merchant reached out to my brother on XXXX XXXX XXXX XXXX XXXX XXXX about the disputes. Please, know that the merchant has not worked any more at the property since the beginning of XXXX XXXX the merchant misled my brother by making him believe he was working and for this reason, induced him to provide more payments telling him that he pays more upfront will easy the project and will result in getting better pricing. He is fabricating the facts and Apple card failed to review the documents and failed to see the dates on which the events occurred. I just provided in an email sent as of today XXXX XXXX XXXX a document named Detail Narrative of Events in hopes Apple Card can review and see the sequence and order in which the events happened. Apple Card should review the document named pictures and videos. Also, review the inspection report and letter from the home inspector to find out what was not completed and the damages caused by the fraudulent contractor. Please, also consider the emails in which the contractor asked my brother for more money telling him that he was going to release any and all claims and the property when in reality no claims and no lien were applied because he did not complete the job, he was threatening my brother in hopes my brother gave him more money, these were tactis and in this case intimidation as well as telling my brother he was getting evicted because he missed payments. My brother all this time thought he had almost completed the work project and this is why he was trying to send more payments whenever the merchant requested them despite the fact my brother knew he was not supposed to according to the contract of just providing 50 % at the start, but my brother wanted to accommodate and truly believed the contractor, my brother was misled again. The contractor was asking for more money when no work was completed at all. I asked Apple Card to please look at the facts. I am including bank statements from the other source of payments made to the contractor to prove that payments were always made on time and that the merchant stopped working because he couldn't get more money out of my brother. The last tactic the merchant used was the settlement offer and my brother was convinced he was at fault and truly thought the work project was almost completed this is why my brother sent the last {$2000.00} payment, later found out when he visited the property that the merchant did not do almost anything and neither completed any work and caused damages for bad labor. Therefore, the merchant stopped working not because of the disputes my brother initiated. He had already left the work unfinished before my brother started the disputes. PLEASE, PRIORITIZE READING THE DETAILED NARRATIVE OF EVENTS DOCUMENT AND REVIEW BANK STATEMENTS AND CREDIT CARD STATEMENTS TO LOOK FOR CAUGHT A DEAL OR XXXX XXXX CO LOOK AT THE PAYMENT DATES AND CORROBORATE WITH THE FACT THAT PAYMENTS WERE GREATER THAN 50 %. NO PERMITS WERE PULLED BY THIS XXXX EITHER. ALSO, REVIEW EMAIL CUSTOMER WITH XXXX XXXX XXXX Payments were directed to the merchant as :. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 11369
Submitted Via: Web
Date Sent: 2024-01-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-13
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: In XXXXXXXX XXXX XXXX I signed up for what I believed was an eligibility assessment to see what XXXX I qualified for with XXXX XXXX I believed that I would get XXXX month of enrollment at XXXX and then a quarterly charge of XXXX. Immediately after agreeing to an assessment I was charged XXXX, not the XXXX that was advertised! I immediately asked for a refund and was denied so I contacted my credit card company who opened a dispute which they did not settle until XXXX! During this XXXX months I was not given full access to the program as advertised and I requested a refund or credit to make up for the lost time and lack of service. XXXX XXXX denied my request stating Weve reviewed your request and will not be able to accommodate a refund, as our paid service is the medical assessment itself and not the outcome of the assessment ( per our Terms of Service at sign-up ). At this point I wasted XXXX and did not receive full service as advertised. It does not say on the website that they will charge XXXX for a XXXX assessment it says If you want to chat with a XXXX provider, you can purchase a membership for just XXXX for the first month, which gives you access to : Unlimited text-based visits with licensed XXXX providers XXXX Urgent Care without an appointment Flexible appointments for chronic condition management XXXX XXXX management and renewals XXXX XXXX XXXX and XXXX, including XXXX shipped to your door ( medication cost not included ) As always, no insurance needed, all on your own schedule. After your first month, youll automatically be enrolled in a quarterly plan ( which is {XXXX} each time ). Youre free to cancel until XXXX day before your membership renewal date. If you prefer, you can instead pay for a one-time virtual visit, which costs XXXX and includes XXXX week of follow-up chats. You can also download the XXXX XXXX app and use our smart Symptom Checker for free. I was denied access to full service between XXXX and XXXX because I disputed the charge. The credit card company provided no rationale for siding with the company. The company has a XXXX XXXX XXXX XXXX They did no research and took XXXX months to provide a resolution.
Company Response:
State: NJ
Zip: 08028
Submitted Via: Web
Date Sent: 2024-01-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I sent a communication to GOLDMAN SACHS, regarding my option to opt out of having my nonpublic personal information shared/reported to any credit bureaus including XXXX, XXXX and XXXX. In regards 15 USC Code 6802, it states that : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party ( GOLDMAN SACHS AND THE BUREAUS MENTIONED ABOVE ARE NOT AFFILIATED ) any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( They NEVER gave me this information/option ) ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Again, they never gave me that option when the transaction was initially done ). *Also see ; 12 CFR Part 1016 Subpart A* They DID NOT give me full disclosure when the transaction initially took place, which is misleading and fraudulent. NONPUBLIC PERSONAL INFORMATION MEANS : personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution. NON AFFILIATED THIRD PARTY MEANS : any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. I am demanding that this information that I choose to no longer have shared with the bureaus, be removed from all of my credit reports immediately. In addition, compensation for their violations of the law and making my life difficult.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I tried to transfer money out of the account to my reference account at a different bank ( also in my name ) at which point my online access was blocked and the bank claimed they could not verify my identity. I provided all forms of identification they have on file, my phone number ( that they claimed could not be used to issue a mobile code ), the email address with which I registered ( they claimed they don't have this information although it's the only mode of communication ), my social security number, date of birth, address and secret password. This is the entirety of the information that was provided during the account opening process, however, they now say they need an affidavit and said I should wait for them to send me something and I should contact again in 1, 2 or 3 business days. I have said that I would like to close the account and they said it's not possible until I am verified, but they can't help me at this point. The bank is running me in circles. I clearly said on a recorded line that I would like to close the relationship immediately as is my right. By not accepting my forms of identification, they are essentially blocking me from ending the business relationship and thereby circumventing the consumer rights. They also won't let me access or transfer the money.
Company Response:
State: NY
Zip: 10022
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
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 purchased an {$700.00} TV from XXXX. The TV worked well initially, but then started being extremely slow and having wifi connection issues. I purchased this under XXXX 's 100-Day Risk-Free Trial ( specific for TVs ) which is STILL on the front page of their website which can be viewed here : XXXX XXXX XXXX. When I contacted XXXX, they said their refund policy is not 100 days and that I can not return the item. Huh? I explained to them that their promotional policy is 100 days and sent them that link. They continued to insist that they do not offer this refund period. I initiated a dispute with my bank who decided to side with XXXX despite me sending this information to them along with video evidence of the TV being faulty.
Company Response:
State: PA
Zip: 19125
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I paid off my balance on my Goldman Sachs credit card on XX/XX/XXXX of a total of {$7100.00}. I then noticed my available balance was still below my actual credit limit on this account. So I contacted customer support on XX/XX/XXXX at XXXX. Est. They stated that my payment was successful and had posted and cleared in their system. I was put on hold multiple times to try to speak to a manager regarding this. So i thought it may be best to try again the next day XX/XX/XXXX at XXXX XXXX. So I called them and asked the same question if they had been paid on the balance I had with Goldman Sachs. They had stated that it indeed had been processed and was successful in posting and had cleared in their system. I then asked to speak to a manager and was able to ask him the same question. He then stated on the record that there was no one at Goldman Sachs that could correct my available balance. Which was 100 % incorrect. So I proceeded to reword the question to make sure he was understanding me correctly. He was and he didnt try to help me get my available balance that had already posted on there end. He stated it was because of a draft that was unsuccessful XX/XX/XXXX. Which is over 6 months and 4 days ago, and I have had 8 successful payments after the o incident he referred to that he used as his reasoning for holding my funds for 10 days. I then asked if I could get a copy of the voice recording that they have since they record calls and he said he couldnt get it for me. I wanted it for the reason he was stating on the record that no one in the entire business of Goldman Sachs could change my available balance to the correct balance that should be available to me. Which is incorrect. I honestly thought I was dealing with a legit company. Just to have their manager lie to me and state it was impossible makes me have no faith in the system. That who knows what they will lie and state next.
Company Response:
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
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 file a complaint regarding an unresolved dispute with Apple concerning a XXXX XXXX purchase on XX/XX/2023. The product was never received by me due to its damaged condition upon delivery, which led me to refuse it. The XXXX tracking system confirms the refusal of the package associated with my address. Despite numerous attempts to resolve this issue with Apple, including discussions with supervisors, the response has been unsatisfactory and seemingly templated, lacking attention to the provided evidence. The purchase was made using an Apple Card with specific financing options for the XXXX XXXX. I have disputed the charge five times, with the first four attempts being denied without proper explanation or consideration of the evidence. The dispute process is lengthy, taking up to four months, with minimal communication other than requests for additional information, which I promptly provided. The lack of transparency and rationale behind the denial of my disputes is concerning, especially given the fact that the credit card company and the merchant are the same entity, suggesting a potential conflict of interest. The purchase amount was {$3400.00}, separate from the tax amount of {$260.00}. Interestingly, the dispute for the tax was quickly resolved, and I received a permanent credit. However, the main dispute involving the {$3400.00} has been denied four times, despite it being part of the same transaction. This situation has caused significant inconvenience and financial strain, and I seek assistance in resolving this matter fairly.
Company Response:
State: NE
Zip: 68046
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A