Date Received: 2023-10-02
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 requested a refund in the amount of {$1300.00} for a lodging booking transaction. We paid for a two night stay, but when we arrived, the thermostat showed an error, the heating was not working, and there was no hot water. Temperatures in the area were forecasted to drop below freezing. We called the owner, they said they could not come to look at the furnace before the following morning. We did not feel it was safe to stay at the property, and left. When we requested a refund, the merchant accused us of turning off the furnace ourselves. We sent both the credit card company and the merchant a photo of the thermostat, clearly displaying an error message that the furnace wasn't working. The credit card company replied that our evidence- the photo of the thermostat which said that the furnace wasn't working- did not substantiate our claim that the furnace wasn't working. When asked how it failed to substantiate the claim, they said they could not say.
Company Response:
State: CA
Zip: 94040
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XXXX payed XXXX on a balance of XXXX they double charged bank account to a total payment of XXXX tried to dispute they emailed me saying I made the duplicate payment of exactly XXXX when they dont even have a payment feature that over pay on the credi card
Company Response:
State: HI
Zip: 968XX
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I have an Apple Card, which is issued by Goldman Sachs. However, Goldman Sachs does not provide support for this, it is a partnership with Apple. On several occasions, I have had fraudulent charges applied to my card. When I dispute them through Apple 's automated system, they deny a refund with no explanation other than " ineligible for refund ''. Since Apple is both the seller and the card issuer, I have no recourse, so I decided to close the account. When I attempt to do so, I am transferred to a line where I wait to speak to an attendant indefinitely with no ETA for an answer. Apple 's chat system tells me I have to wait for 7 hours and 54 minutes for someone to respond. I'm not sitting on hold waiting for someone to answer for basically a business day. There should be a way to immediately close the account, but evidently there is not. I need help.
Company Response:
State: FL
Zip: 32746
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
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 had several fraudulent charges show up on my Apple Card including charges from international retailers. I contacted Apple Card support about the fraudulent charges and they provided a provisional credit while they investigated. XXXX of the charges they were investigating were for XXXX. Following their investigation, XXXX of the disputes was decided in my favor. However, the second one was not decided in my favor. I asked why it was not decided in my favor and they claimed that it was because I already received a credit for the charge on the other dispute and believed it was the same charge. However, the charges were for XXXX different amounts and I did not make either charge. Furthermore, I never heard of XXXX so I googled it and the website appears to be fraudulent. I tried to contact them via their email they had posted but never received a response. I appealed their decision and provided proof that they were XXXX separate charges for XXXX different amounts but they decided in the merchants favor again. I tried to dispute it again and they say it can not be disputed again. However, I did not make a purchase at XXXX for {$1000.00} and should not have to pay for a charge I am not responsible for. Especially such a large fraudulent charge. The charge was initially made on XX/XX/XXXX and was disputed through the card company and appealed. On Monday XX/XX/XXXX, they decided the appeal in the merchants favor but I never made the charge. Apple Card also refused to provide any information on why the dispute was denied.
Company Response:
State: OK
Zip: 73072
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
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 giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication XXXX any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Company Response:
State: PA
Zip: 18017
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
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: You closed my previous complaint against Apple Card ( XXXX ) without even giving me a chance to respond, which is incredibly rude. I never said that I did not conduct the courses, and I never said that I did not receive a certificate. In fact, I could create a website right now and issue courses and certificates as well. Does that make me a legitimate ACCREDITED institution? This is my argument, and it has been all along. I found this website online and it looked like a good way to earn my XXXX XXXXXXXX XXXX XXXX XXXX, however my company does not accept the " piece of paper '' that is being pawned off as a certificate because it is not from an ACCREDITED institution. As in, most XXXX courses are held at nationally or regionally accredited colleges and require green belt and black belt projects. This website offers none of this. It's a certificate mill. It is part of the greater fool theory. If Apple Card and the CFPB is not intelligent enough to understand my argument of accreditation, then I will need to escalate to legal means. As I am one of the four primary plaintiffs suing XXXX XXXX and XXXX XXXX XXXX XXXX at the moment for $ XXXX, I have no problem doing that. It seems quite petty that I can not get a {$500.00} BS charge removed. Pretty low-end for someone with a seven-figure net worth to even be dealing with, but I will not be paying it at all out of the principal of the matter. What do I need a credit score for?
Company Response:
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I represent an account holder as power of attorney. Marcus by Goldman Sachs locked the account holders account access based on a fraud flag and has refused for more than six weeks to unlock the account. Every time I call, they either ask for more information or say that a supervisor will call me back, but a supervisor has never called me to date despite multiple requests. I provided Power of Attorney documentation to Marcus so that I could assist with getting access to her money restored. In early XX/XX/2023, I contacted Marcus customer service on her behalf. I was told that the Power of Attorney documentation could take up to 30 days to process and instructed to call back later. I called back again the following week and was told to call back in a few business days to allow additional time for processing. I called back again on XX/XX/XXXX. After initially being told that my Power of Attorney documentation was not received, I was finally told that it was, in fact, received and was being processed. I was promised that a supervisor would call me within three business days. That did not occur. I called back on XX/XX/XXXX and spent more than an hour on the phone. I was told for the first time that Marcus would need to speak with the account holder, but she is incapacitated. I was then told for the first time that Marcus would need a physician note to accept the POA. That, of course, is not how POA law works and has never been requested of me by any other financial institution in my time serving as POA.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: 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 you 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. I am trying to by my dream home and realized I have damages on my report. Total defamation to my character. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!
Company Response:
State: MI
Zip: 48111
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Other transaction problem
Subissue:
Consumer Complaint: Hi! My name is XXXX XXXX. I am XXXX XXXX XXXX and retired. I am living off from Social Security Income and Interests Income from CDs accounts of online banks. This is what is happening now with Marcus by Goldman Sachs Bank. XX/XX/XXXXXXXX : I opened an online savings account with Goldman Sachs. It is under my name XXXX XXXX XXXX and XXXX XXXX XXXXXXXX as a joined account. A lot of transactions between XX/XX/XXXXXXXX : I opened online CD {$110000.00} 3.0 % Interest rate with 5 Yrs Term. A lot of transactions between XX/XX/XXXXXXXX : I found XXXX XXXX pays 4.50 % Interest rate with XXXX Yrs Term. XX/XX/XXXX : I decided to move all money to XXXX XXXX from Goldman Sachs. XX/XX/XXXX : I withdraw CD {$110000.00} by paying early withdraw penalty {$1600.00} to Goldman Sachs and I deposited to my savings account. XX/XX/XXXX : Saving Balance is {$130000.00} as of XX/XX/XXXXXXXX with Goldman Sachs. XX/XX/XXXX : I opened a Savings account with XXXX XXXX. I requested link between XXXX saving and Goldman Sachs savings. XX/XX/XXXX : The link between XXXX and Goldman Sachs is completed. XX/XX/XXXX : Requesting from XXXX, I transferred {$900.00} and {$130000.00} to XXXX Savings from Goldman Sachs. XX/XX/XXXX : XXXX XXXX showed {$130000.00} balance and Goldman Sachs Savings showed XXXX Cents. XX/XX/XXXX : Nightmare has began. XX/XX/XXXX : I tried log in Goldman Sachs online bank but I couldnt. They banned me to log in. I called Goldman Sachs service center for help. They changed it back so I could log in. XX/XX/XXXX I found Goldman Sachs withdraw my transfer ( ACH ). I called manager. I asked her why the transfer ( ACH ) are withdraw. She told me I cant transfer money like that. I asked her why not. She told me she wanted to speak my wife. I told her my wife is not here now. XX/XX/XXXX I learned my savings account is freeze. I can view my savings account but I can not transfer money from my savings account. I called manager again. She said to me that I can not transfer money until she can speak to my wife. I told her this join account either person can withdraw or transfer money from it. She acknowledged that but she doesnt want my money to be transferred until she talk to my wife. I told her my wife doesnt speak English and I am the primary user. She insisted she wanted to talk her. Now my money is Goldman Sachs Savings and I can not do anything. My wife is in XXXX, XXXX XXXX. I dont know what to do. Now I am worrying my money. One third of my savings are jeopardized to lose it. I am beginning to understand the risk of using internet banking. I want all my money to be transferred to XXXX checking account if it can be solved. I dont want any money in Goldman Sachs bank . Goldman Sachs bank is very dangerous bank. They manipulate computer and they bring in any amount of money from other banks but they dont want to send any money to other banks. I thank you XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 91402
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested. I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine. I ask you to provide the following information 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( F ) in this alleged matter? 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state? 5. Please evidence proof of the alleged debt, specifically the alleged contract or other instruments bearing my signature? 6. Please provide a complete account history, including any charges added to this collection agency or any account? 7. List of all names and contact information of all employees that was spoke to regarding this account or collection? You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it. For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status XXXX XXXX
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A