Date Received: 2023-09-04
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: whenever I try to open account It is denied stating " You have applied a number of times and we can not verify the information you have provided at this time '' customer care said I need to wait 30 days before applying. I tried, it get denied all the time. all my information is correct. but they keep denying it.
Company Response:
State: CA
Zip: 94107
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: without any permission from me, bank closed my CD 's before maturity dates- moved all funds in CD 's to lower interest savings accounts - locked account - no access to {$55000.00}. in CD account - refused multiple email and phone requests to unlock account and multiple requests to disburse all funds in the CD to my credit union account - attempted to charge me multiple thousands of dollars to obtain release of my funds- more than XXXX month of correspondence by phone and email - no effective response from bank
Company Response:
State: WA
Zip: 982XX
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor XXXX XXXX APPLE CARD/GS BANK violated my rights to privacy. Under USC 1681 Sec. 602 states I have the right to privacy. 15 USC 1681 Sec. 604a. section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under USC 1666b. a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose.
Company Response:
State: IL
Zip: 60621
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: XXXX of XXXX my phone was hacked and overtaken while traveling through the XXXX XXXX on a layover. I was able to determine non of my active accounts were affected XX/XX/XXXX XXXX contacted Goldman sachs after I became aware of the account due to getting a negative report on my creditscore when the account was closed for nonpayment. I spoke with several employees over the course of about XXXX minutes, I was assured they would work to get the account closed. XX/XX/XXXX XXXX the account had not been resolved according to my credit report. I followed up with Goldman sachs and was told they could not help me and that I needed to contact Identitytheft.gov Shortly thereafter ( within a week or so-date unknown ) - I filed the report with identitytheft.gov to try to resolve the issue XX/XX/XXXX XXXX I emailed all information to XXXX ( Goldman sachs XXXX XXXX ) and received no response Early-mid XXXX I printed filled out and mailed the dispute letter per recommendation from identitytheft.gov to Goldman sachs They have been unresponsive and unhelpful. I need this issue resolved as soon as possible.
Company Response:
State: WI
Zip: 53217
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In XXXX I purchased a new XXXX. I attempted to connect the Apple XXXX to my bank account. In the process, it asked a number of financial questions. Unbeknownst to me Apple and Goldman Sachs opened a credit card in my name. Sometime in XXXX I received a collection for a {$25.00} charge for XXXX that I have never made. I disputed the charge with Goldman Sachs and asked they provide a proof of the charge. I also canceled the credit card as I had never consented to it. Goldman Sachs never provided any proof or supporting information that I had made a charge. They bizarrely insisted I did. I did not make the charge, nor anyone I know. It was completely fraudulent. Despite my exhaust of efforts to dispute the charge with both Goldman Sachs and Apple XXXX, I was stonewalled with no reply, or a denial of my request, stating i agreed to the charge. I did not. I went through the extra effort of writing to the president of the company with absolutely no reply. It began to appear on my credit profile and affected my credit score and I paid the {$25.00} under protest to clear my credit. Regardless, it remains on my credit to this day as a collection account in violation of all my rights.
Company Response:
State: CA
Zip: 92071
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Account says restricted for safety purposes. Contacted customer service limited an vague response that will resolve in a couple of days. No resolution no response no contact outside of my text messages. I prepay account spend over {$500000.00} per year.
Company Response:
State: CA
Zip: 92629
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Subject : BILLING ERROR Re : APPLE CARD ( Goldman Sachs ) Ive sent a registered security for payment to the Principal Executive Office Address of Goldman Sachs Bank on XX/XX/XXXX via USPS Registered subject to the Trust Indenture Act of 1939, Securities Exchange Act of 1934, UPU Treaty of 1863, the Bill of Exchange Act of 1882 regarding equitable securities which also are not limited to but include debt instruments set in replacement of Floating Rate Notes to apply accreditation as debt instruments are rendered to you for the sole purpose of balanced book adjustment as legal tender to lower and reduce the UNITED STATES national debt. The credits of the payment was supposed to be processed, and the book entry was supposed to show that nothing was owed. I called USPS to confirm that the Registered Security was delivered. They stated that it was delivered to a Mailing Agent for final delivery at Goldman Sachs. I called the Principal Office at the phone number listed on the SEC Indenture Agreement filings to confirm receipt of the Registered Security, and was transferred to the mail room and told by the mail room attendant to send an email to an internal email address in order to confirm receipt of the Registered Security. Upon sending the email, I received two MailerDaemon notices stating that my email was blocked and that email did not receive external emails. I called Office of Goldman Sachs again and asked for the corporate secretary. The representative asked who the mail was attention to and I advised it was the CFO ( XXXX XXXX XXXX XXXX ), the rep stated that they would take my name and number and advise XXXX XXXX 's office of the message. In an attempt to remedy the matter I have also sent a Billing Error notice, Per the instructions outlined in the Apple Card statement under Billing Rights Summary which states : What to Do If You Think You Find A Mistake on Your Statement : If you think there is an error on your statement, write to us at : Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX In your letter, give us the following information : Account information : Your name and email address associated with your account. Dollar amount : The dollar amount of the suspected error. Description of Problem : If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true : We can not try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Per the instructions above I am asserting, once again, that the amount of {$4600.00} billed out on XX/XX/XXXX is a charge I am not liable for and I've sent the appropriate payment instrument which should have applied to the full balance. I am within the 60-day allotment period for the billing error notice. Under the below codes and regulatory provisions, my balance is to be discharged and no adverse actions are to be taken with regard to my account. Also my credit report is to be updated with the accurate information, as securitized payment coupon has been sent to the company yet has not been applied to the to the balance. Please see below list of codes that applies to this case for your reference : Regarding My Credit Report 12 CFR Part 1026 ( Regulation Z ) 1026.13 Billing error resolution and 15 U.S. Code 1666d Regarding My Registered Security 3-603. TENDER OF PAYMENT. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 3-604. DISCHARGE BY CANCELLATION OR RENUNCIATION. ( a ) A person entitled to enforce an instrument, with or without consideration, may discharge the obligation of a party to pay the instrument ( i ) by an intentional voluntary act, such as surrender of the instrument to the party, destruction, mutilation, or cancellation of the instrument, cancellation or striking out of the party 's signature, or the addition of words to the instrument indicating discharge, or ( ii ) by agreeing not to sue or otherwise renouncing rights against the party by a signed record
Company Response:
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I had submitted a complaint with CFPB on XX/XX/23. Marcus by Goldman Sachs closed out complaint saying they resolved the issue. They have not. On XX/XX/23 I called and spoke with XXXX who was going to transfer funds out to my XXXX XXXX XXXX. On XX/XX/23 I received a call from XXXX at Marcus by Goldman Sachs saying that Marcus denied my transfer but I could reinitiate it on Monday XX/XX/23. On XX/XX/23 I read the response from Marcus in which it states the transfer was requested and is being processed on XX/XX/23. I did call Marcus back after reading this response and spoke to XXXX who initiated another transfer. I am filing this complaint as I have been told different answers every time I call and still do not have my money back after almost three weeks of non stop calls to this company.
Company Response:
State: NY
Zip: 120XX
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a credit card from Goldman Sachs. I was denied because " I may already have an account or profile ''. The Marcus.com website will not allow me to reset my username/password, nor will it allow me to login to apply. I am being denied from applying for credit which is a federal violation of 15 USC.
Company Response:
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Formal complaint against Goldman Sachs Bank USA for discriminatory and erroneous practices in the credit application process I am filing this formal complaint against Goldman Sachs Bank USA to investigate and resolve what I believe to be unfair and discriminatory treatment in my application process for the Apple Card credit card. Despite having a good credit history, my applications have been denied multiple times for reasons I believe to be inaccurate and possibly discriminatory. Background XXXX. Date of first application : XX/XX/XXXX XXXX. Date of last application : XX/XX/XXXX XXXX. Total number of applications rejected : XXXX Problem XXXX : Incorrect Information on the Credit Report In my most recent application, made on XX/XX/XXXX, I was informed that the reason for the denial was the existence of a " recently closed CHECKING/SAVINGS ACCOUNT '' according to the XXXX report. I have confirmed with XXXX that no such information exists in my credit history, and to date Goldman Sachs Bank USA has not corrected this error. Problem XXXX : Inconsistencies in Rejection Reasons Throughout my many applications, I have noticed inconsistencies in the reasons for my credit denial. For example, on my last application, I was told that they couldn't verify my information, which is incorrect. Problem XXXX : Third Party Supplemental Information ( XXXX XXXX XXXX XXXX ) Goldman Sachs also based its decision on additional information from a third party XXXX XXXX XXXX XXXX XXXX ), which I have also verified and turns out to be incorrect in my case. Allegation of Discrimination I have observed that people with less favorable credit profiles than mine have been approved for the same credit card. This leads me to ask if I am being discriminated against for unknown and unstated reasons. Attachments : XXXX. Copies of all my requests and responses received from Goldman Sachs. XXXX. Copy of my credit report from XXXX and other relevant agencies. XXXX. Copy of my report from XXXX XXXX XXXX XXXX. Resolution Requested I request a thorough review of my credit applications and a detailed explanation of the reasons for the denials. If it is determined that errors or acts of discrimination have been committed, I ask that they be corrected immediately and that my credit application be processed in a fair and transparent manner. Since XX/XX/XXXX I am trying to apply for an Apple credit card sponsored by Goldman Sachs USA Bank. This Bank in the course of 1 year has been able to demonstrate what is being discriminatory in unfair with my applications. I will attach all the applications that I made during this year and the past where it can show a number of incidents and inconsistencies in the answers. I will attach copies of my credit reports behind junior and other agencies that report credit histories. I am applying for a credit card and consider that I qualify to have it. I also consider that I am being a victim of injustice and discrimination when it comes to receiving a decision. In my credit history you can see that my credit does not have negative information. I only have a few credit cards with a low credit limit for which I am applying for the Apple card so that my credit limit can grow. I can show from my credit history that I was worthy of a credit line increase on my XXXX credit card because of my good payment history and that speaks volumes about my commitment to good credit. Today in this letter I will detail step by step the unfair process that they have done towards me. It is not the only Bank that has been unfair to me and I have already reported it previously and thanks to the fact that I have reported it this way, the Bank has proceeded to grant me the credit. Example of this XXXX XXXX was unfair to me when it came to denying me credit and I reported it this way and thanks to the investigations that were carried out they granted me the credit. Therefore, I am once again relying on you in accordance with the law to sue Goldman Sachs Bank USA and trusting in a positive decision. On XX/XX/XXXX I applied for a credit card Apple Card is a credit card created by Apple INC and issued by Goldman Sachs. My application was denied because Goldman Sachs Apple tells me in the application decision that my XXXX XXXX credit bureau tells them I have a recently closed CHECKING/SAVINGS ACCOUNT. I contacted the company XXXX and a manager informs me that in my credit history it does not appear that I recently had a SAVINGS BANK ACCOUNT OR RECENTLY CLOSED CHECK, therefore, there is incorrect information in the credit application decision. I contacted the credit bank Apple Card is a credit card created by Apple INC and issued by Goldman Sachs Apple and a manager responded to me informing me that the only way they can reconsider my application is for XXXX to confirm that there is incorrect information on the card. decision. I contacted XXXX again and they do not have a letter format to send Goldman Sachs Apple bank the rectification that there is incorrect information in the decision of my Apple credit card application and that there are no negative accounts in my credit history. Only they can give me a copy of my credit record, which I must send to Goldman Sachs Apple so they can see that I don't have a recently closed CHECKING OR SAVINGS ACCOUNT on my record. I as a client am being a victim of this injustice. Credit denial decisions by Goldman Sachs Apple. I can show the inconsistencies in each of the decisions. Until showing my last recent application where it says incredibly that they can not verify my information that I provide them. The bank relies on the fact that this information is taken from my credit history by the XXXX XXXX, in addition to requesting XXXX information from a third party ( Third Party Supplemental Information ) which in this case is XXXX XXXX XXXX XXXX and I attach a copy of My history with this company showing that I have no recently closed accounts. I further request that the bank verify with XXXX XXXX XXXX XXXX this information and verify it in this complaint. That is to say that Goldman Sachs Apple has no basis to deny me credit and what it is doing is unfair. I can see other people who do receive credit and have credit with late payment accounts and Goldman Sachs Apple authorizes credit for them. Why not me? That is injustice and discrimination.
Company Response:
State: NY
Zip: 11372
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A