Date Received: 2023-08-30
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: My XXXX XXXX XXXX XXXX was purchased by GM XXXX credit ( Goldman Sachs ) and I did not get the same interest fee when Goldman purchased the card from XXXX XXXX because no matter how much I pay my minimum or balance will not go down. I admit I was late the pass few months due to changing jobs, but as of last month I got caught up and my minimum never went down. I know Goldman Sachs is under investigation so I want to ensure the interest theyre charging me is correct as from looking at my old XXXX XXXX statements it seems as if the interest went up?
Company Response:
State: CT
Zip: 06610
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: 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 initiated a dispute on or about XX/XX/2023 after having been overcharged by a merchant for a transaction taking place XX/XX/2023. Goldman Sachs closed the dispute in the merchants favor and stated that I could be mailed evidence on behalf of the Merchant which had been shared with Goldman Sachs. I reopened the dispute and waited to receive the merchant 's evidence ( mailed by Goldman Sachs ). I received the merchant 's evidence which effectively proved my case, as the Merchant 's evidence showed a very different subtotal than the subtotal which was presented to me, the customer ( I had shared an image of the original receipt with Goldman Sachs at the start of the dispute process ). Despite clear evidence that the merchant improperly inflated the subtotal of the transaction during its final processing, Goldman Sachs closed the dispute once again in the merchant 's favor. I have since reopened the dispute for a third time ( on XX/XX/2023 ), after having notified Goldman Sachs that I would file both FTC and CFPB complaints due to their failure to correctly uphold the dispute in my favor after having been shown conclusive evidence of the merchant 's treachery.
Company Response:
State: CT
Zip: 06840
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: CFR 1026.11 ( a ) ( 2 ) states " Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer '' I requested a positive balance of {$7800.00} refund on my XXXX credit card on XX/XX/23 and as of today, XX/XX/23, I have not received it. On XX/XX/23, I called and confirmed with the representative that the balance can be refunded to my checking account ending in XXXX in 8-10 business days. On XX/XX/23 I called again since it has been past the 8-10 business day window and was told it is still being worked on. On XX/XX/23, the balance was still not refunded. I spoke to a manager and said the case will be escalated and I should expect a communication by end of day XX/XX/23. Today is XX/XX/23 and I still have no received a response nor a refund of my positive balance.
Company Response:
State: NJ
Zip: 07032
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, {$40000.00} was taken from my XXXX savings account and transferred to a fraudulent savings account in my name at Goldman Sachs XXXX Marcus. I did NOT open a savings account at Marcus. A few years ago I held 2 certificates of Deposit at Marcus but they matured and, as far as I knew, the accounts were closed. I subsequently learned that {$40000.00} held by Marcus was then transferred to a bank in Iowa - XXXX XXXX XXXX XXXX XXXX When I called XXXX XXXX XXXX the officer a the bank told me that she had found the deposits. She strongly suggested that I file a report with my local police department. see the attached XXXX statement showing the transfer of {$40000.00} to Goldman Sachs
Company Response:
State: NY
Zip: 106XX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: 15 U.S. Code Sec. 1601, 1602/ To Whom it may concern, I XXXX XXXX XXXX made an uninformed decision on this date XX/XX/2020 when I entered into the consumer credit transaction agreement. There was no such evidence of indebtedness, the only evidence was the agreement. So therefore the agreement is null and void. Because I made an uninformed decision because I didn't understand its meaning and it wasn't clear and conspicuous.
Company Response:
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
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 an 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: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I paid off my loan about two months ago. They refuse to update my credit record, The payoff amount was over XXXX XXXX dollars. I have documentation from my credit union. XXXX XXXX XXXX XXXX XXXX. They are scamming XXXX XXXX I need help.
Company Response:
State: NC
Zip: 27713
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
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: Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter that I have been trying to resolve with Goldman Sachs since XX/XX/2023. On this date, I disputed a charge of {$66.00} from XXXX XXXX. However, on XX/XX/XXXX, I was informed that the charge would remain on my account. In response, I requested the case to be reopened on the same day. On XX/XX/XXXX, I provided additional evidence, including confirmation from the merchant that the transaction was unsuccessful. Despite this, on XX/XX/XXXX, Goldman Sachs maintained that the charge would remain on my account. On XX/XX/2023, I once again requested to reopen the case and provided further information to Goldman Sachs. Yet, on XX/XX/2023, I was informed again that the charge would remain on my account. I escalated the matter and spoke to a supervisor named XXXX. She informed me that they had not received any documentation from the merchant to support my claim for the {$66.00}. XXXX also stated that I had not provided evidence that the reservation was cancelled. I clarified that there was no cancellation because both the merchant and the website confirmed that the transaction was unsuccessful. Recently, I informed the merchant that Goldman Sachs confirmed the transaction went through on their end. However, the merchant has refused to respond to my communications. It is also worth noting that Goldman Sachs has refused to take into account the confirmation from both the merchant and the merchant 's website that the transaction was unsuccessful. Instead, they are solely accepting the merchant 's terms and conditions. Despite providing screenshots as evidence of the unsuccessful transaction, Goldman Sachs has refused to refund me for services that were not rendered. I believe this to be an unjust situation and I am seeking your assistance in resolving this matter. Sincerely, XXXX XXXX XXXX : Timeline and Evidence sent to Goldman Sachs on XX/XX/2023.
Company Response:
State: DC
Zip: 20032
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This is my complaint for APPLE CARD/GS BANK USA XXXX I believe that my information is being misused and reported as inaccurate. In my credit report from XX/XX/2023, I found some derogatory item that I was not aware of. I found fraudulent charges and account with inaccurate information, such as payment history, status,, balance, and date of last activity. According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Goldman Sachs has provided me with a 1099-C evidencing the {$2700.00} that was cancelled ( attached ). Yet the debt is still reflected on my credit report and file. Since the last report on the XX/XX/XXXX, Goldman Sachs. They will have 3 business days to perform and communicate with all credit reporting companies and bureaus. Please be advised, by filing these 1099s, 1098, etc will be placing me ( a private party ) in a position of a public officer, therefore, in clear violation of 18. USC 912. Just know that I did not consent to this and it is legally impossible, furthermore you can not pursue any legal action in any state court because as a foreign entity, you have no jurisdiction.
Company Response:
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A