Date Received: 2023-08-31
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I've had at least 6 phone calls with Goldman to resolve this issue. First phone call in mid-XXXX was to inquire about my XXXX balance as the statement shown didn't add up. A case was opened as person I spoke with couldnt explain it. I called twice to check on case progress as my payment was coming due. It took 3 weeks for me to receive an incomplete response in XXXX to my original inquiry. While waiting for this response my payment was coming due. I called to inquire on progress and explicitly asked how to handle the upcoming payment and was told that because I had disputed the balance, I would not be charged interest. In fact, I was charged interest and the card company is refusing to refund all the interest charges. This is my first ever partial payment and I want to be clear, I made a partial payment under the companys representation to me that interest would not be charged. If the associate made a mistake in providing this guidance, it is not on me and I shouldnt have to pay. To add, it took an additional 3 people, each at a higher level, and over 2 hours on the phone to finally explain my balance discrepancy. In fact, during my 6th call, the manager that called me almost gave up and wanted to create a case to be reviewed. Goldmans obscure accounting of my activity and balances led to several different explanations as to the discrepancy in my purchase activity and total balance due. At one point telling me that the extra balance due was due to incomplete XXXX payment when I had it on autopay for full amount and was told the reason interest was not charged in XXXX was due to some weird accounting done by Goldman. Turns out that was not the case, but again, it took an additional phone call and an extra hour to resolve the mystery. I took every action to ensure I would pay my balance on time. I called Goldman several times to get an explanation of the balance due, I called to inquire about case status before payment was due, and I explicitly asked how to handle the upcoming payment and was told that because it was in dispute, no charges would accrue if I didnt make payment. Luckily, I did pay the majority of the balance on time. I didnt pay the amount I could not understand, and no one could explain to me in a timely manner, why it was being charged. Goldmans inability to explain its own statements and the incorrect information provided to me can not possibly be my problem to pay for.
Company Response:
State: NY
Zip: 10552
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: The company refused to approve an Apple Card for me. I haven't use credit cards for the past 25 years. I don't want to use credit cards, but now I want to get a credit card from XXXX Co., since they have an interest free loan option for buying a computer. My computer is old and is not working. I need a new computer, because I am back in school. Goldman Sachs wrote me an email the other day, telling me that I am creditworthiness, because I don't have credit cards, and because I have a large student loan. Nonetheless, my XXXX XXXX is XXXX, and I just received a new student loan from the U.S. government. If the U.S. government trust me, why can't Goldman Sachs do the same? Thank you for your help. XXXX XXXX
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
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 XXXX XXXX merchant named XXXX XXXX XXXX XXXX, charged an unauthorized transaction to my Apple Goldman Sachs credit card for the amount of {$490.00}. The company was hired to move my furniture on XXXXXXXX XXXX. During the move, it began to rain and the movers refused to move my couch in the rain because they claimed they could be injured. They told me they would be returning the following day after the weather improved to move my couch. They refused to release my couch and took it back in their moving truck, saying that they needed to hold onto it until the job was completed. On XXXX XXXX, the movers arrived at XXXX XXXX to move my couch inside my home. They asked me to sign their mobile device to close the moving contract, but they did not disclose that they would be charging me a second time. When I saw the second transaction on my credit card later That same day, I called the company and could not reach anyone. I continued to call and leave messages to dispute the charge directly with the merchant but did not receive any response. I opened a dispute for the charge with my credit card company, Goldman Sachs. On XX/XX/, Goldman Sachs informed me that they decided to side with the merchant on the dispute. They did not ask for additional evidence on my part before making their decision to credit the merchant for a transaction that was charged without my permission. If you see the attached contract I signed with XXXX and XXXX XXXX, you will see that a couch was included in the inventory to be moved. I should not have been charged a second time or additional charges since the couch was already included in my contract.
Company Response:
State: MA
Zip: 021XX
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: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Due to the covid 19 pandemic I became unemployed and was unable to make payments in a timely manner. The late payments have affected my credit worthiness.
Company Response:
State: CA
Zip: 92618
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Incorrect personal information reporting to XXXX
Company Response:
State: MI
Zip: 48507
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.
Company Response:
State: MS
Zip: 39180
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently received a report informing me that my SSN, DOB, and driver 's license number was found on the XXXX XXXX XXXX in XX/XX/XXXX due to a XXXX XXXX in XX/XX/XXXX. I pulled my XXXX credit report and see that on XX/XX/XXXX a soft and hard inquiry was made by Greensky Installment, which I did not make. I've contacted XXXX to explain the breach and to report the non-authorized inquiry. They have set up a Fraud Alert on my account and will start the process of removing the fraudulent inquiry, XXXX has advised me to contact you, the Federal Trade Commission to report the fraud.
Company Response:
State: FL
Zip: 32713
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act, XXXX by Goldman Sachs # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: CA
Zip: 954XX
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I am disputing the balance due and requesting an audit. I had inquired previously regarding being double billed by a vendor. The dispute was closed unsatisfactory. However, the credit card company is now double billing for that vendors charges. I have included invoices from XX/XX/XXXX through XX/XX/XXXX. As you can see my statements were always paid timely and in full. This issue is having an disruptive effect on my finances and well as incorrect billing and credit reporting. Please correct pursuant to the Fair Credit Billing Act.
Company Response:
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My account has been locked on Apple Card for a week and no one is helping. I opened a few dispute recently one being XXXX I think that might have done it as I told them it says delivered but ups or someone stole the package as they signed for me
Company Response:
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A