Date Received: 2023-08-27
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My Apple Card account has been restricted for over 2 months now. Ive reached out to support as instructed and am either told XXXX hear from someone in 3-5 business days to resolve or that there is nothing they can do and I just have to wait. This has been going on for over 2 months with no answers. Ive reach out 3 times this month along with a number of times in XXXX.
Company Response:
State: GA
Zip: 30188
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I Sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking #. According to the FRCA The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. ListAccounts I want the CFPB to publish this description on consumerfinance.gov AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE IS NOW XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 99 % Balance {$6400.00} Balance updated XX/XX/XXXX Credit limit {$6500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - DISPUTE RESPONSE!!!! 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''
Company Response:
State: NY
Zip: 11727
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I had a XXXX $ limit, paid it off in full for an apple Goldman Sachs credit card. The payment was pending for about XXXX weeks, during which time I had claim rights with my bank to get it refunded for bad behavior by the credit card company. About XXXX days after the XXXX payment posted, and I lost those dispute rights, they lowered my credit limit from XXXX to XXXX, without any prior notification, or any explanation as to why they waited exactly until I lost my dispute rights to make this change. Now, I can not use the credit limit to increase my credit score. I found this behavior very predatory. Finally I got a call from a Manager who told me to contact my bank to file a dispute, knowing full well they had waited out my dispute rights before pulling the rug out from under me. Now I could have used that money to pay off another credit card to gain credit score, or used it for myself, but instead they have commuted what I consider to be an incredibly scummy and dishonest act toward me.
Company Response:
State: NY
Zip: 11432
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
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 was in XXXX in XX/XX/XXXX and I bought the below boat rides, taxis and tours from XXXX XXXX XXXX XXXX for {$230.00} on XX/XX/XXXX. 1. Boat ride from pier to XXXX XXXX - 20 minute boat ride ( completed but took us to the wrong pier / opposite side of the island ) 2. One-Day 3 island tour - service not provided/ they never showed up 3. XXXX XXXX to XXXX XXXX XXXX Speedboat- service not provided/ they never showed up XXXX. XXXX XXXX XXXX to XXXX ( Ferry ) - service not provided/ they never showed up XXXX. XXXX XXXX to Airport- service not provided/ they never showed up The company started by taking us to the wrong island, so we had to find another boat to get to where we needed to go to and didn't get there until nearly XXXX. Then, the tour company messaged us saying we needed to come back at XXXX to find new times because his drivers/boat people aren't available. We said no and that it was already XXXX and we're not getting up early to go and revise all this and he needs to honor the times we agreed to. We told him if he doesn't do this, we need our money back and he said no. The next morning, the tour company never showed up and neither did anyone else for the other tours/ ferries ( items 2 - 5 ). I first disputed the transaction on XX/XX/XXXX with Apple Card support received a rejection / denial on XX/XX/XXXX saying " The merchant charged you the same amount that you intended to and did pay for your purchase '' I refiled the same day, and on XXXX I was told " We further investigated the dispute and reviewed any additional information that may have been provided. Based on our review, the original decision will remain because there is no evidence to substantiate the claim '' I refiled again and on XX/XX/XXXX was told " We further investigated the dispute and reviewed any additional information that may have been provided. Based on our review, the original decision will remain because there is no evidence to substantiate the claim '' I have repeatedly provided Apple the entire XXXX XXXX where the tour company is telling us they can't deliver on the tours we purchased, a map of showing where they dropped us off and where we should of been, plus a long 13 point email of detailing everything that happened. They did not show up for any of this, and all Apple Card has done is provide copies of the receipts that the tour company provided them- which I already have.
Company Response:
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I filled for Bankrupcy in XXXX of XXXX. This company continued to try to collect the debt during the bankrupcy even after being contact by my lawyer and being served by the court at least 5 times. After the Debt was discharged I filed a complaint the credit agencies provided the petition for bankrucy as well as the Discharge that was granted. On XX/XX/2023 Marcus by Goldman Sachs responded electronicky and in writting the I still owe the Debt, which is a Violation of the United Stated Bankrupcy Protection act. And that they are going to continue reporting it to the credit agencies. I, My lawyer, or the court have not given them the bankrupcy papers atleast 6 times. 2 times now post discharge. this complaint with the 3rd time post bankrupcy they have been provided the court documents of discharge.
Company Response:
State: TX
Zip: 77381
Submitted Via: Web
Date Sent: 2023-08-26
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: I havent had a card since XX/XX/2022 I have disputed the transactions the merchants send reports that I made purchases when I did not. I do not have a card in my possesion.
Company Response:
State: FL
Zip: 33135
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I put in a dispute XX/XX/2023 and then told to reset my XXXX password which I did so I then woke up the next day ( XX/XX/2023 ) to my account being locked after several attempts and multiple representatives and supervisors I was told it was under review and would get solved by end of day by some or within 24 hours by others or they wouldnt even give me a time frame. I then got an email on Friday night ( XX/XX/2023 ) at XXXX that said Thank you for contacting Apple Card with Goldman Sachs about your account restrictions. Our records indicate your issue was resolved on XX/XX/2023. but unpin checking my Apple wallet my account was still restricted. I contacted them again to a supervisor telling me they were escalating a case to find out why after the review the reason behind why my account was still not unlocked. So then I called back the next day to be told it would take 10 days for a review and that I would just have to wait. I believe they just keep pushing me aside and that Im constantly getting false information from different reps and supervisors. Today when I was reporting all this I was told I would get a call from a Apple Card manager that basically told me theres nothing they can do and I would just have to wait and then they hung up on me. I would like some clarification on what is happening and to get this resolved as soon as possible.
Company Response:
State: CT
Zip: 06042
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Problem when making payments
Subissue:
Consumer Complaint: I completed payment on my loan with Green Sky and my bank mistakenly sent and extra payment of {$370.00}. The company didnt issue a check when they received the overpayment and when I saw it on a statement 2 weeks later and called I was told I have to wait for 30 more days to get my refund. That is 6 weeks! The company holds my finds hostage making an interest. They charge 25 % interest for their loans with 0 % intro financing for 12 months. If a payment is delayed by more than 10 days, they will charge 25 % retroactively and I would have forfeit the intro financing. BUT they can hold my money for 6 weeks without any consequence. When I called I was rudely informed that there is nothing I can do about it. I find this practice greedy and dishonest. The amount mistakenly withdrawn from my account can be of consequence and Im not willing to have it held without my consent for 6 weeks.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2023, I made a payment of {$1600.00} the current balance due at the time to clear up my account and brought it current to a XXXX balance. As per the agent I spoke to that amount was confirmed and I closed the account due to the high interest rate. On XX/XX/2023 I received an email that I was owing a balance of {$30.00} so I called in to query what that was all about, only to be told that was interest from purchases made from the card. I tried multiple times to resolve the issue and have the company Goldman Sachs write off that amount because I was not aware of it, neither did it show up in my account and the agent that took my payment by phone was not aware of it or made mention of it. They have refused to remedy the situation and choose to put me in collection status for {$6.00} placing a derogatory mark on my credit report and flagging my account 90 days past due. No one was making an effort to correct the fault on their end, as I was not made aware of this balance at the time I was making my payment and closing the account. This account was placed on my report after the fact my account was paid up in full and closed.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I am a victim of identify theft since XX/XX/XXXX and a police report was filed for the first incident in XXXX of XXXX. I have had several credit card accounts compromised, several new accounts open in my name, numerous inquiries into my credit from companies, new addresses and phone numbers that are not mine added to my credit report, etc. I have contacted all credit bureaus and have put a freeze on my credit. I have disputed all inaccurate information to the credit bureaus and have contacted the companies to dispute the unauthorized charges, newly opened credit lines, and incorrect information. I have been successful with all thus far with the exception of XXXX and Apple Card. An Apple Card was opened on XX/XX/XXXX. I printed my credit reports in XX/XX/XXXX and realized this card had been opened without my knowledge. I called Apple Card and reported this as fraudulent, informed them of my issues with identity theft, reported that the address and phone number they had on file was not mine, that I have never lived at that address, and that I have no knowledge of that address with the exception that the address was used to open and/or attempt to open multiple other fraudulent credit cards and loans. Apple Card informed me that they would look into the issue and they closed the account. I also reported this dispute with XXXX. I received notice at the beginning of XX/XX/XXXX that XXXX had founded in Apple Card 's favor and the information was verified. I then went to my local police department and filed an incident report with regard to the fraud. Apple Card and XXXX have yet to delete this information from my credit report. Whatever investigation Apple Card did, they never contacted me for additional information to verify my identity, address, or phone number.
Company Response:
State: PA
Zip: 15108
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A