Date Received: 2023-09-14
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am a XXXX XXXX XXXX XXXX XXXX who rents out my extra room on a daily, weekly or monthly basis ( similar to an XXXX XXXX XXXX XXXX type situation ) And so i rented my room out for 10 nights to a man named, XXXX XXXX who made two payments of {$520.00} to cover the total rent costs of {$1000.00} + {$40.00} cc processing fees. Which he paid for using his girlfriends Apple credit card, with her permission. While staying here I witnessed him on numerous occasions call the cc company to make false claims about purchases he indeed was responsible for. After witnessing his shady behavior first hand as well as him stealing money from my bedroom, we asked him to leave once his XXXX day was up. In retaliation he has called the cc company to claim that the {$520.00} payments that we processed using our square cc reader were supposedly fraudulent charges not made by the account owner. So when I received the charge back from XXXX, I contacted the account holder for the Apple credit card, which was XXXX XXXX ( XXXX girlfriend ) and she claimed to have no knowledge of XXXX using her cc, which I know is a lie, because when I heard him call the Apple credit card operators, they had to send a verification code to the account holders phone number on file, since he was calling from his phone and not her phone number, she would receive the text message verification code and then text it to him so he could repeat it to the customer service operator and get access to her credit card account. Not to mention on a couple occasions he needed to order a new credit card, because the card he had was stolen ( another fabrication to charge off his purchases ) and in order to activate an Apple credit card, you need to put the box that the new credit card came in, next to the account holders phone, and thats how the new credit card gets activated. So in order to turn on the new credit cards, he must have used her phone to do it. Yet she was trying to spin a story to me that she has been out of the state for the past few months in on the XXXX XXXX. Well, if thats true, how did he gain access to XXXX phone if shes on the XXXX XXXX, which he obviously did! otherwise, he wouldnt have been able to turn on the new credit cards, and she was obviously in cahoots with him. Otherwise how would he have gotten the verification codes that got sent to her phone? When I attempted to contact golden Sachs credit card over this issue, and to report this fraud scam, I was unable to talk to anybody because I dont have an account with goldman sachs XXXX and apparently having an account is the only way that you can get transferred to the fraud department. It makes no sense whatsoever. So I am making this report in order to have the chargebacks reversed to my XXXX account, so I can be made a whole again, since my services were rendered in full, and I deserve payment for said services. The charges in question were made on XX/XX/XXXX via XXXX, to XXXX XXXX ( XXXX XXXX XXXX ) in the amount of {$520.00} x XXXX.
Company Response:
State: CA
Zip: 908XX
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My CD at Marcus ( Goldman Sachs Bank ) matured on XX/XX/2023. I gave wiring instructions in advance, and I did not receive any money after the closing date. I use their chat and called and they said that because of dollar limits on the size of the account, they were having problem closing the account. I called daily and got the run around. I would like them to send me the money along with extra interest for every day that they have held the funds that should have been returned to me if not for their error.
Company Response:
State: NY
Zip: 10023
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
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 have received a copy on my consumer reports, and I notice this company have still furnished to the consumer reporting agencies transactions that are excluded by law as per the FCRA 15 USC 1681a 2Ai. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that is used to calculate a consumers credit score is not a factor where the consumer report is concerned! Pursuant to the FCRA found in Section 607 ( a ) a data furnisher must provide accurate information to CRA 's. The account with this company has been charged-off, which is a cancellation of debt, which is now income, and according to the IRS, income is excluded from the consumer report. This company is in violation of the law. Please find attached document that further prove my claim.
Company Response:
State: NJ
Zip: 07083
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I have and apple credit card, and for the past few months when i have used any of my apple devices to purchase a 1 game, they would double charge me. I have called in several times and they claim it was group billing and I made the charges. I advised them that I check my purchases every day and document each purchase but they claim thats how their system works. I decided to start using my other devices that are not apple and make my game purchases that way. I do not ever get double charged. On XXXX i checked my apple credit card balance, as i usually do and it stated that my balance was XXXX, including 3 game purchases made on my apple device on XX/XX/. I have cash back on my apple credit card and i was trying to use that amount to purchase 1 game that cost XXXX, and then i got a notification that apple charged me XXXX. Before i called apple, i added up all my charges including the balance from my last credit card statement and they all add up to XXXX. I called apple on XXXX and advised them once again, that i made 1 purchase and i was charged XXXX, when i was trying to use my cash advance. They stated that its group billing from the previous days charges, and i explained that, my card shows that amount already deducted. The proceeded to tell me that I needed to remove the game because the game is the issue, when i can use another device thats not apple and i dont double billing issues. I advised that they need to credit me back the double charge and they put in a request, well the request was denied. In the past when they were double billing me, i let it go, and in the past i ended up paying an extra XXXX that i didnt owe but i paid it. This me I am no letting the issue go, i want my refund of XXXX cents that apple owes me. Currently, I will either buy an apple gift card or only use apple for store purchases/bills because thats the only time i dont get double billed, but if i am purchasing an online game using an apple device, i get double billed. I have started making screenshots of my apple balance before i make any apple purchases because Im afraid they are going to continue to double bill me. I would like this addressed immediately.
Company Response:
State: TX
Zip: 77047
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXX XXXX I tried to transfer XXXX USD to my XXXX XXXX XXXX account. Then Marcus locked my account and they did not say why it is locked. Then they said that an instruction of affidavit will be sent to my mailing address within 10 business days. I have waited for 10 business days and still not yet received the instruction of affidavit.
Company Response:
State: CA
Zip: 94568
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
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: I have been a GM cardholder since early XXXX. In XX/XX/XXXX, after attempting to replaced an expired card, my card never arrived in the mail, and approximately {$5000.00} in charges were fraudulently attempted with my card. GM resolved all but XXXX of them, XXXX for SQ WRECKER for XXXX and another for XXXX for XXXX. I first opened the dispute in XX/XX/XXXX, as evidenced by their first provisional credit. GM has rebilled me for a XXXX time as of XX/XX/XXXX. When I contacted customer service, I was told the evidence they have from these two merchants included my home address and a tracking number. As the cards were clearly lost or stolen in the mail, this is not a surprising find in my opinion. In addition, the dispute was more than 90 days old and should have been fully resolved. I have attached a recent discussion with one of the customer service representatives.
Company Response:
State: WA
Zip: 98006
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Order of Events XX/XX/2023 : 1st Notice I endorsed the bill and sent along with a Letter of Instructions - Re : Claim of Credit, which was sent to the billing department located at : Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX6112. USPS Certified Tracking # XXXX ( delivered on XX/XX/2023 ) A copy of the endorsed bill was also sent to XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX, XXXX, CA XXXX, along with a Letter of Instructions - Re : Claim of Credit, a notarized Power of Attorney, and a copy of the Federal Reserve Act Sec. 16, Part 1 & 2. USPS Certified Tracking # XXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : XXXX Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX, XXXX, CA XXXX, along with a Letter of Instructions - Re : Opportunity to Cure, a copy of the Federal Reserve Act Sec. 16 and Sec. 29, and included a copy of the delivery confirmation from USPS of the 1st Notice. USPS Certified Tracking # XXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : XXXX Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Default of Notice, a copy of the Federal Reserve Act Sec. 29, and included a copy of the delivery confirmation from USPS of the 2nd Notice. XXXX XXXX Mail XXXX # XXXX ( delivered on XX/XX/2023 )
Company Response:
State: NM
Zip: 87124
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: I have account with XXXX and gets monthly report. I was alerted that an account was opened in my name at The Goldman Sachs Group Inc on XX/XX/2023. I did not open this account, and nobody contacted me about opening account in my name. The details received from XXXX on the illegally opened account in The Goldman Sachs Group Inc. are as follows : Reason - Open Financial Institution - XXXX Secondary matches - Name, Address, XXXX Name of Financial Institution - The Goldman Sachs Group Inc Account Opened Date - XX/XX/2023 Notification ID - XXXX
Company Response:
State: IL
Zip: 60015
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Apple card closed my account on XX/XX/XXXX and i had severall open dispuites with them. They have not given the money for my dispuites i have sent them documents showing that they never credited my account for the dispuites their are severall that were never added ro my account and i have sent in documents severall times the ammounts are as follows {$240.00} XXXX home depot as explained severall times their were two orders one was cancelled due to shortages and the money never refunded. {$170.00} home depot apple insists that the merchant gave me credit for this when it says on my statement that credit was denied when I log in it's showing A plus balance of XXXX and if you add the other three to that that they that they never did it will be {$900.00} and I wan na know how I go about getting that money back because my apple card was closed and this has been well long over 90 days. Im sending documentation and showing that this was never credited back that the XXXX never credited my account back and neither did apple because if it was I would have seen a credits in one of those and I am sending all the statements there and the XXXX XXXX and XXXX were never given credit by either apple or XXXX it does not show up on my statements I need to get this issue resolved and get this taken care this is going on five months and it seems to be every time I call I get a different answer from whoever answers the phone if you have any questions please give me a call my number is area code XXXX thank you XXXX XXXX
Company Response:
State: OH
Zip: 44087
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I have a pending application with Goldman Sachs for the GM XXXX XXXX XXXX, I was approved ( I believe it was for {$6000.00} ) but my application is pending because they claim they did not receive a clear state ID. -- -- -- - I submitted a very clear and legible copy of my state ID, I read online that a covert way of discriminating against certain credit applicants is to deny them under the narrative that their document were not acceptable. -- -- -- I fear that I may be being discriminated against.
Company Response:
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A