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: On XX/XX/2023 I purchased a leather jacket branded by XXXX XXXX from the merchant XXXX XXXX in the amount of XXXXXXXX XXXX tracking was XXXXXXXX XXXX XXXXXXXX received on XX/XX/XXXX. Upon opening the package I realized it was not what I had ordered and promptly contacted the merchant to return the item or reach a solution. Despite an effort to contact the merchant they never responded and I waited until XX/XX/XXXX to submit my claim Dispute # XXXX giving the merchant enough time to respond and give me a solution which they didnt. Upon submitting the claim I realized I wasnt asked for any information and asked and said theyd ask for it if needed so I let the dispute process take its course until XX/XX/XXXX that I realized that they still hadnt asked me for any information. The rep I spoke to told me they hadnt requested any information because the merchant never replied so I assumed I was going to win the case but still sent them evidence to substantiate my claim. On XX/XX/XXXX a week after I had raised my concerns my dispute was ruled in favor of the merchant because of the evidence they provided. Not only did they lie to me saying they didnt respond but they did not take my evidence I immediately raised my concerns to the Goldman Sachs supervisor who admitted fault that the reps had misinformed me and messed up and they said my only option was to reassert the claim. I have sufficient evidence which I will be providing along with the conversations with the Apple Card reps to show the missteps that they took with my claim and hopefully I get my money back as its blatant that I never recieved what I ordered. The new dispute claim number is XXXX if you need anymore information do not hesitate to reach out thank you for listening.
Company Response:
State: CA
Zip: 92336
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
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/XXXX, I was overcharged by XXXX XXXX in XXXX. I made enough purchases worth {$20.00} ( 2 drinks and an appetizer ). I did not sign any receipt and am confident that video footage will not show me drinking {$75.00} worth of drinks or signing a receipt. Yet, I learned when I checked my Apple Card history a couple days later that I was charged {$75.00}, a {$55.00} overcharge. Once I saw this overcharge, I immediately started the dispute process, which is reflected in my text to Apple on XX/XX/XXXX that is attached as evidence. I attempted to call the nightclub once a week for two weeks, each time a manager was not present and they told me to call back later. I called again XX/XX/XXXX and was finally able to talk to a manager who would not admit fault and told me they would look at video footage and send me an email. When the manager read me the list of my charges, it became clear that I was charged for my whole corner of the bar that night and not just myself. The bartender clearly made a mistake and was incompetent at keeping track of tabs. Evidence that I called XXXX XXXX on XX/XX/XXXX is attached. I never received an email and opened a dispute with Apple Card/Goldman Sachs as my attempt to resolve it through them had failed. I received a decision on my dispute on XX/XX/XXXX that the merchant charged me for the amount I intended and did pay. This is not true as I never intended to pay that amount. Video footage will not show me drinking {$75.00} worth of drinks, and it will not show me signing any receipt that says that because I never signed any receipt.
Company Response:
State: IN
Zip: 462XX
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: At XXXX XXXX XXXX XXXX XXXX XXXX, I received an email from Marcus by Goldman Sachs saying there is an issue related to my account and they asked me to call back. When I called them back, I asked what the issue is and they asked me personal information to verify my ID. I was able to verify my name, date of birth, last 4 digits of my SSN, and the secret word associated with my account. At this point, they told me they need to send a verification code to my phone for the last verification. However, the agent was not able to send the code because my phone number showed inactive in their system. This is the number I gave to Marcus by Goldman Sachs when opening the account and is the contact info linked to my account. Furthermore, this was the phone number I used to call them to inquire about the issue. Their system couldn't send the verification code and they told me they could not verify my identity. Because of that they refused to let me know what problem there is with my account. After hanging up, I checked my account and found that I couldn't access it anymore as it was locked. I called again but because of the same reason, they told me they couldn't verify my ID. They refused to give my the reason for locking my account and they refused to tell me how to unlock it and get back access to my money in it.
Company Response:
State: CA
Zip: 94040
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2024, I initiated a {$100000.00} transfer from my Marcus by Goldman Sachs Online Savings Account to my personal XXXX XXXX XXXX Investing Account. But this transaction was reversed by Marcus by Goldman Sachs on XX/XX/2024. On XX/XX/2024, I spent around 4 hours talking to more than 4 customer service associates, but got different explanations. Further, I had another similar {$100000.00} and {$50000.00} transfers initiated on XX/XX/2024 and XX/XX/2024 respectively, which probably would be declined by Marcus by Goldman Sachs too. So first could I get the correct reason why these transfers between my own personal accounts were declined by Marcus by Goldman Sachs? Second, I need to use the {$250000.00} in my personal XXXX XXXX XXXX Investing Account as soon as possible, so how can I transfer the {$250000.00} funds out of Marcus by Goldman Sachs in the fastest?
Company Response:
State: CA
Zip: 95117
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I am using Marcus for high yield savings account. After I transferred $ XXXX from my bank account to Marcus, I recently learnt that my account was locked. Then I tried to call Marcus 5 or 6 times. Each time either they said they cant one time pin me because the phone number they have on file doesnt associate with my name, or they can OTP me, and they try to contact my bank to verify my bank account information, put me on hold for half an hour, then suddenly hung up on me. For the first case they said they will contact me in 1 or 2 business days but no one ever contacted me ever since. This is not a proper way to do banking business. Why does Marcus has this and only this outdated method of verifying peoples identities? Shouldnt they provide methods like email verification? Shouldnt my bank information be already verified before Marcus approves my transfer into the account? After I submitted a complaint with CFPB, all I got was a call back from Marcus doing those futile verification of my identity again asking for my SSN, DOB etc. but I am still locked out of my account.
Company Response:
State: NY
Zip: 100XX
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/23, Apple/Goldman Sachs froze my credit card and savings account without any warning. I have made multiple calls and requests for information but have been stonewalled at every turn. So I am reaching out to the US government for help in understanding why this blockade is happening.
Company Response:
State: NJ
Zip: 08753
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
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 originally contacted Goldman Sachs regarding a transaction that was dated for XX/XX/XXXX. Filed the dispute on XX/XX/XXXX the transaction for XXXX in the amount of {$2600.00}. Goldman Sachs advised that they would have a dispute resolution by XX/XX/XXXX. XXXX, ( the merchant ) had reached out to me and advise that the attempted to refund the transaction two times but the transaction was denied by Goldman Sachs. I contacted Goldman Sachs regarding this issue, and they said that they denied the refund due to the fact that they said I went behind their back to work with the merchant to get my money. Goldman Sachs had requested that I canceled my dispute multiple times at which I had told them that I did not want to cancel my dispute. Goldman Sachs canceled the dispute without my consent resulting me having to re-file the dispute on XX/XX/XXXX. At which time when the dispute was re-filed, they did not go based off of the date for the original dispute XX/XX/XXXX. Resulting in me, having to wait an extended period of time to have this dispute resolved I have made multiple calls to Goldman Sachs providing sufficient proof that the merchant has accepted liability for the dispute. Which was provided in XXXX, and they still are not resolving the disputes, they told me that they will not resolve the dispute until 90 days after XX/XX/XXXX. After to finally dispute on XX/XX/XXXXXXXX Goldman Sachs close my credit card without advising me that the card number was replaced. Nor did they provide to me any written or email confirmation that this was taken place when I contacted Goldman Sachs in regards to this they said nothing I said why my card was closed and replaced without my prior knowledge. On XX/XX/XXXXXXXX I spoke to a supervisor by the name of XXXX, requesting information in regards to my dispute. At which time she told me, she will not provide me any information for my prior dispute, because she doesnt have access to that information after multiple request from her asking to provide me the information that is required to be provided to me for filing a dispute, she then complied and provided to me the date for the dispute that originally was filed on XX/XX/XXXX. I also have advised Goldman Sachs that I have not received any written or email confirmation of any of my disputes at which time XXXX told me she will not provide me my confirmation of my dispute. Goldman Sachs has failed to comply with regulation Z and within the timeframe allotted within this regulation. I have made multiple times for Goldman Sachs to provide to me a resolution to this dispute, which they have yet to do so.
Company Response:
State: HI
Zip: 96744
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I submitted a XXXX $ payment on the XXXX on XXXX and theyre refusing to release my funds or verify the funds have been paid through my bank. They cant return the funds, and its going to be on hold til the XXXX is what they said. Goldman Sachs is about the worst XXXX company for a consumer to have the luxury of spending their money. Im going to have to take out a loan since they wont grant me access to my money. XXXX ridiculous they cant release my funds. Theyre bad trust advisors for my account.
Company Response:
State: FL
Zip: 34655
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Credit card was used fraudulently and left me to pay the balance I did not make these purchases on the Apple credit card some fraudulently used my card which resulted in closing my account I want my account back with a restored balance or the debt gone it messed with my credit
Company Response:
State: CA
Zip: 93552
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: To whom it may concern Im reaching out to you to get some type of resolution for my Apple Card by Goldman Sachs. I have been dealing with this issue for over 2 years and I hope you can assist. During the XXXX pandemic I received notification from several credit card companies including Goldman Sachs to assist users affected by the crisis and how they were there to assist. I had the card for a year or so with on time payment history. I reached out to goldman sachs around XX/XX/XXXX to obtain assistance from the said company above. I explained to them that I was not able to make my monthly payment that month due to reduction of hours and wanted to be placed on the program that will prevent me from going 30 days past due. My credit is one of my top priorities, so I wanted to be proactive with this beforehand. I spoke with a representative who advised they could assist and to make sure I dont go into delinquency. To my surprise I get an alert that my credit scored dropped. When I checked the alert, it was due to a miss payment from Apple card. I immediately called goldman sachs to explain to them that I was placed on a program for customers effected by covid. I was told that they would need to find and listen to the phone call and would be contacted under pending investigation. A few months later at the end of XXXX I was told they would refund the interest and that credit reporting would be updated with all 3 bureaus. Since XXXX this has not been done and it still shows a late payment for both XXXX and XX/XX/XXXX. I have called into Goldman Sachs several times the last two years to get this resolved and Ive been getting the run around every single time. I asked them where the recording is so you can hear the discussion and was told its only for internal used. I have called several times to explain whats been going on and Ive been hung up on, kept on hold, or being told to dispute it with the credit agencies. I explained to them to look at my payment history and that I never missed a payment until the rep gave told me which I now found out was the wrong information. Ive tried to speak with the XXXX XXXX department and financial services regarding this matter. The representative gave me incorrect information that negatively impacted my credit. This is negligent and unfair as a consumer and the consequence is my credit history being dropped due to this. I asked a supervisor what happens if the rep gives out wrong information to a consumer that could damage their credit and was told it was nothing, they can do about that. Im reaching out in hopes that you can assist with me getting the incorrect information removed. Thank you so much.
Company Response:
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A