Date Received: 2023-10-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I asked and sent letters to XXXX about an account that was open under my name and they failed to remove the account and late payments being reported
Company Response:
State: FL
Zip: 32822
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I reached out to a number of Goldman Sachs staff including the CEO 's office and no remedy to properly adjust my interest rate on both cards to at least 6 %. I have been unable to resolve my issue with the incompetence of your staff at the lower levels so I am emailing you directly. My issue is simple, I am a XXXX XXXXXXXX on XXXX XXXX. I have 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 for 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: 2023-10-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Hello, I have reached out the the 3 creditors in this matter, XXXX XXXX, Apple Card XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Reporting Act, this creditor has violated my rights. I understand that under 15 USC1681 section 602 - states, I have a right to privacy15 USC1681 604A, section 2 also states a consumer reporting agency can not furnish an account without my written instructions.15 USC1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Company Response:
State: CA
Zip: 916XX
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 to 45 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/2023, I received a notification on my phone from Apple Credit Card issued by Goldman Sachs Bank Bank USA that my credit card account was locked and that I would need to contact support to unlock it. I contacted support and was told to contact them again during regular business hours. XX/XX/2023, I contacted Apple Credit Card ( Goldman Sachs Bank Bank USA ) and after verifying my information, made a one-time phone call to the number on my account, providing me with a number to call back to remove the lock on my account. I called the number to remove the lock, and while on hold, I received another notification on my phone, this time related to my Apple Savings Account issued by Goldman Sachs Bank Bank USA. My savings account had now been locked. This lock meant I could not access any of my own money in my savings account, I could not withdraw this money or transfer it back to the linked checking account. When I reached Apple Card Support, I was notified that my savings account was locked due to my Apple Credit Card being locked. I was told that I could not access my Apple Savings Account or my Apple Credit Card until a " review '' had been completed on my account. I asked for a timeframe of how long such a review would take, seeing as I had all of my money in this savings account and needed to access this money to pay bills, etc... I was told there is no timeframe for the review. I asked if they could transfer the balance of my savings account to the checking account of another financial institution already linked to the Apple Savings Account, and they told me there was nothing they could do on the account until the Apple Credit Card review was complete. I was given instructions that, first, the Apple Credit Card review would be conducted. When that was completed, and access was restored to my credit card account, only then could I contact Apple Savings Account support to get the lock removed from my savings account. I asked to speak to a supervisor and was told the supervisor was not available until Monday.
Company Response:
State: CO
Zip: 80234
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
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: On XX/XX/, there were multiple unrecognized transactions going through my Apple credit card. I immediately contact the bank customer care and report this problem and disputed these transactions. However, almost the 3 transactions that I disputed, there was one that dose not get approved. The amount of this transaction is XXXX I disputed it again and again but the result keep coming back denied. The company send me a documentation regarding the transaction that " prove '' that I make the transaction. However, the document they sent me clearly demonstrate that the billing email, the billing name, the phone number, all did not belong to me to my family member. There should be no way they should approve this transaction and further declined my dispute request while I did not authorize or issue this transaction. I just now disputed the same transaction the 4th time, and issuing this complain.
Company Response:
State: OK
Zip: 73069
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: As per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and they are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Company Response:
State: SC
Zip: 299XX
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I would like to send money to Goldman Sachs ( Apple Card ) to pay off my balance. However, they have hidden my card number from me since I closed the account. Therefore, I can't tell my bank my account number so they can send money and pay off the balance. No one at Goldman Sachs told me when I closed the account that the number would be hidden from me. They also said I should " write my email address on a check '' and then send it. They said they could apply it to my account that way. However, this obviously doesn't work when requesting a bank send money directly to a card. I was also told " Apple Card doesn't accept balance transfers '' -- so basically they don't accept money from XXXX XXXX XXXXXXXX, where my card is, or XXXX, which is where my actual bank account is that has a credit card also connected to it. I can't add my account number to this complaint since they no longer allow me to have an account number.
Company Response:
State: CA
Zip: 91321
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: After filing one complaint they proceeded to tell me they couldn't verify me which would take a7 day turnaround affidavit I had to get notarized.I did and I I did so at the ups store with a tracking number and over nighted it.So when I confirm XXXX signed for it on the ups tracking sight I called and let the employee lie and then confronted them, then they dispatched me to Someone who said oh yea it just hasn't been uploaded an it would take 7 days to process before I have access to MY VA XXXX CHECKS.Even after I explained all this to this woman there was no empathy.I served from XXXX to XXXX 4 months in XXXX and year in XXXX while I was XXXX an XXXX yrs old.i just got benefits 4 months ago now there trying to take them.
Company Response:
State: FL
Zip: 33764
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Over a 10 year period of time I have accumulated XXXX in reward points. Company says you can redeem for account credit. I called go have it applied to my account and was told I can only use it to buy a car or go on a trip or out to eat or have repairs done at GM. This is a scam. I am old I do not need a car I do not eat out due to covid and i dont travel. This is a bold lie to get you to get this card and use it. I would like my rewards paid to my account like they say.
Company Response:
State: TN
Zip: 373XX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A