Date Received: 2023-09-09
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 all began, XX/XX/2022. I am not sure of the specific date but you will notice patterns of transactions on two of my credit cards. The transactions came in crazy for about a month. Since then I have been trying to file disputes but I found myself paying interest on transactions that werent mine. For nearly two years I have had to deal with there fraudulent charges. Accumulating to over XXXX. I have had to buy most of it down. The Apple company does a poor job in verifying purchases. As soon as I noticed these charges I requested a new card and apple had sent suspicious activity warning to my email but never did they permanently remove the charges from my account. The discover credit charges began the same week. I noticed immediately too and I have had to speak to multiple people and had to file multiple disputes only to end up in the same spot. Two credit cards having a mass spending is no coincidence. I noticed that not only have I lost the physical card but both these cards are the only two out of the 7 I had that was connected to my phone. I went as far as contacting the police and explaining my situation. It turns out the mall I had visited on my birthday XXXX XXXX there had been reports of stolen information when charging your phone at a port. I tried explaining this to my credit card companys but they cant asking for information I did not have. I figured out the problem but they couldnt grant me the dispute. So please, now I know not to using a phone charging station in a public setting. Ive been severely suffering and I dont want to sue these two companies for the impact of emotional distress Ive been experiencing for the past two years. I have been trying. I am a XXXX XXXX just trying to focus on school but I was faced with at a XXXX age to deal with serious matter.
Company Response:
State: CA
Zip: 91331
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I had paid my XXXX + balance in full including XXXX interest. the day my credit limit would be available to use, it was immediately lowered to XXXX. I use this credit card to pay rent. So I basically used all of my cash to pay off that card in expectation to reuse it for my XXXX dollar rent. I was basically robbed for {$3900.00}. I was not given 30 day notice or notice by physical as it is said in XXXX XXXX XXXX https : XXXX I contacted multiple reps and supervisors who give me the run around. this has caused me extreme emotional distress. I already know Goldman Sachs uses my signature and application as collateral and trade the securities. I just want my limit returned to me. I will be getting a attorney to further my case.
Company Response:
State: TX
Zip: 77006
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: We opened an a total of XXXX accounts ( XXXX are subject of this complaint ) at Marcus by Goldman Sachs. We attempted an external transfer but it was denied and I was locked out of my account. After being locked out of the account and cycling through numerous customer service representatives, to include confirming authorization for all transfer attempts, we were told we could not do transfer externally due to account 90 day rules. However we were informed we could transfer money back to the original account the funds came from. I authorized that to occur and was assured by a security specialist that it would be ok. I then proceeded to authorize a transfer back to my confirmed, linked account. The next day my account was once again locked and I spoke to a representative who said I could not transfer any funds for 90 days. This directly contradicts the first guidance I was given. I need t transfer the money but Marcus keeps cycling me through different departments, giving me varied and contradictory instructions, and false assurances. I want my account unlocked, funds transferred back to the original accounts, and to close my accounts.
Company Response:
State: MD
Zip: 20878
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
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 made a purchase XX/XX/23 for {$490.00} on from XXXX XXXX XXXX XXXX XXXX XXXX ( multiple company names for some reason ), through Goldman Sachs. They are not an accredited educational institution to issue XXXX XXXX XXXX certifications per my employer. I explained this to Goldman Sachs, the provider of my Apple Card multiple times and I am on my third unsuccessful attempt to dispute the charge with them. Each time they side with the merchant. The only evidence the merchant has provided is a receipt. Per the Fair Credit Billing Act, I have a " good reason to be dissatisfied with the items and services I have purchased '', therefore my chargeback stands as legitimate. On XX/XX/23 after multiple attempts to get this dispute settled, and Goldman Sachs repeatedly declining to rule in my favor, I cancelled my Apple Card and will no longer do business with Goldman Sachs.
Company Response:
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: In XXXX of XXXX my XXXX was stolen. On this XXXX had all my personal information including my SSN, address, and account information. No accounts had been opened during the first 2 months so I assumed everything was fine outside of a compromised Apple XXXX. On XX/XX/XXXX I got an email from XXXX saying my Apple Card had been closed, so I immediately called Apple because I know I did not open another credit card, especially with them. Come to find out, the card had a bill over XXXX so I immediately opened a dispute. The agent even told me that someone was making payments on the account, so why not just trace the account that was making the payments and confirm that the bank account does not belong to me! After months of trying to get them to receive my documents, they finally come back and tell me I am responsible for the account but did not include how they came to that conclusion and what information they investigated in order to hold me liable. I sent in a police report, identity theft report from the FTC, proof of identity, and bank statements.
Company Response:
State: GA
Zip: 30815
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I received a deposit XX/XX/XXXX. Marcus bank closed my account. They requested information I sent it in, I was advised that the account would be closed and the money returned to the sender. The money was a loan and they are requesting that I pay the loan they never got the money back! I requested my money be released in XXXX they were supposed to send an affdavit I never received so I downloaded it from the website and sent it in on XX/XX/XXXXXXXX I am reqyesting my money plus damages!
Company Response:
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Dear CFPB team, I am writing to express my complaint and dissatisfaction regarding Marcus by Goldman Sachs Savings Account Service. On XX/XX/XXXX, they locked my savings account and asked me provide an affidavit, I did go to an XXXX for the notary and sent back the affidavit to them, but they never let me know that they never receive my letter and didn't ask me to resend one. On XX/XX/XXXX, they forcibly closed my savings account. I called them for more information as I still have about {$25000.00} in that account, and I asked them send back the money to my original bank, XXXX XXXX XXXX, account ending in XXXX, they initially claimed that they would transfer the balance within 1-3 business days. However, it has now been over 10 business days, and I have not received any refund. I have attempted to contact Goldman Sachs 's customer service multiple times, but unfortunately, I have not received any clear responses regarding my issue. No matter how many times I call, no one is willing to address or provide a detailed explanation, and some even threatened me that I already lost my money because my account is closed, if my XXXX XXXX XXXX account can not receive it, the money can't be returned to the closed Marcus account, and then I will just lose the money, which has left me feeling extremely disappointed and confused. As a customer of Goldman Sachs Bank, I have placed trust and reliance in their services, but this recent experience has left me highly dissatisfied. I hope that you can assist me in resolving this matter and ensure the safe return of my funds to my XXXX XXXX XXXXXXXX account. I can provide any other information if you need, such as my driver 's license, passport, etc. Once again, thank you and hope you can help me with this case! Thank you!. Sincerely. XXXX XXXX
Company Response:
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My Apple Master Card account was closed by Goldman Sachs without prior notification and about 15 min before my appointment to get a new laptop. The specialist I spoke with to appeal or reverse this decision was deceptive and indicated I received several notices of account closure. I confirmed my address and I was notified it was sent by email. The only emails received were account statements which I can not access due to account closure. My statements were emailed on the XXXX of each month. This is unfair to me as I can no longer see my account details as the only way to access this information was through my Apple Wallet. This matter was escalated to a manager who knew my request and desired outcome yet he strung me along for close to an hour. I specifically asked and the manageXXXX confirmed he was aware even though he wouldnt do anything.
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Our XXXX XXXX XXXX XXXX Credit Card for our company XXXX XXXX XXXX is being reported on my personal credit instead of our business credit report. In XXXX we fired our management company that managed our real estate and they stole our checks. The ex management company proceeded to commit bank fraud daily and make our business account go negative daily. XXXX XXXX XXXX would replenish the funds, but we were in a constant flux of negative days for over a month. This ex management company continued to steal funds or attempt to steal funds daily for over a month. Once we froze all the accounts for this to stop I noticed our XXXX XXXX XXXX account automatic payment of {$200.00} was not paid and I promptly paid. Due to the fraud and chaos of this active assault on my company our automatic payment bounced and was late. This happened due to the bank fraud of our prior management company. We have never been late and have all of our accounts on automatic payment to make sure we are on time. I have asked the company to please properly report this on our business credit and to have mercy, due to the situation and to please not report us as late due to the bank fraud on our account. The first credit dispute was unsuccessful and we have reopened a second dispute. This account should be reported on our business profile and not on my personal credit. I also wish for them to remove the late payment to the extenuating circumstances.
Company Response:
State: FL
Zip: 34747
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: GOLDMAN SACHS BANK USA XXXX XXXX is being reported unaffiliated XXXX parties without giving me my disclosures. Pursuant to 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from GOLDMAN SACHS BANK USA and none of these documents have been provided.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A