Date Received: 2023-08-25
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023 my XXXX checking account was compromised with a check that was stolen from my mailbox washed and cashed from my acct. police report filed I contacted bank and blocked acct. On this day a scheduled transfer of funds was set up to my Marcus by Goldman Sachs acct. Unfortunately it could NOT go through do to the block on my checking acct attached to my Marcus acct. 2 days later I closed the compromised checking acct and opened a new one. My bank replaced the stolen funds of XXXX XXXX I then transferred to my new acct and CLOSED old checking acct. I went to my MARCUS acct to remove old checking and add new one and found out its was locked. I called Marcus and they told me it was closed and no reason given. I tried to explain what happened and they gave me the run around that no one can explain to me why. I now have no access to my funds. There is an old checking acct attached that does not exist and there is no way they can transfer my funds back to me! I asked them to reopen so u can transfer funds out of this acct and they would not! I have no access to my funds and they will have to send me a CHECK in order to get my funds out of MARCUS savings and CD. I have read on line that they do this often! This is a terrible business practice and they LEGALLY CAN NOT HOLD MY FUNDS. Please help me. Appreciated!
Company Response:
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: GM Master card was transferred to Goldman Sachs and two {$40.00} fees were added to my account because I was having difficulties paying this account. I requested a courtesy waiver of the fees to allow me to be able to pay this account off. I was told the fees could not be waived but no real explanation why.
Company Response:
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
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 a transaction dated XX/XX/2023 I was scammed {$190.00} in the beach in XXXX XXXX XXXX using tap to pay. I almost instantly noticed this scam and reported it to Apple Card hoping that this swiftness would help my case. I have gotten in the phone with them multiple times, reopened the claim 3 times, told my story via email and over the phone countless other times. Despite providing all the evidence that I possibly can, Apple Card/Goldman Sachs continues to not only deny the claim but not even look at the details of an obvious scam. The whole point I use a credit card overseas is to protect myself from things like this happening. In the few times it has happened, my credit card company has timely and efficiently resolved the claim and gotten me back my money. This is the first time Ive ever filed a fraud claim and been denied and denied repeatedly. To others, dont use your Apple Card if you want any type of fraud protection, they will close your claim in the scammers favor and leave you hanging with the bill.
Company Response:
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have changed my card number on my Apple Card as I was trying to get in financial shape and informed the customer care not to have any recurring payments carry forward, they have agreed to it at the time but and it was declining few of the transactions in the beginning which I saw on the statement after that, so since I knew it was working I didnt thought of the balance as I know I will only have to pay if I make a purchase, and I was in control of my finances, but they allowed two transactions carry forward from the old card from last year I guess that was even before a year I did business with them, since I was confident about not having to check my statements often because of the new card I didnt notice, until today I got a mail I dont normally look at the advertising email but luckily I found that they have charged my card and is being charged today for a second time when I looked the credit card statement its on it, when I spoke to the customer care they mentioned, they have no power to block merchants, so where is my safety? Anyone can come and take the money and I have to be responsible for it, since I am a realtor and know few lenders and mortgage brokers and also trying to be a Mortgage broker I knew about CFPB I dont know how many people are going through this, what I have learned in NMLS is that I have the power as a consumer to ask the bank to not to continue a payment on my credit card unless I authorize but this bank seems like they dont care about the rules or correct me if I am wrong as well please, but pls let me know where was I wrong, what should I be doing so that it wont happen again!
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Goldman Sachs Apple Card unlawfully declined me of a deferment Or payment option when I got behind on my payment due to hardships I am currently thirty days past due and I have contacted them several times and they declined to give options. My card is closed and they still wont give an option for hardships.
Company Response:
State: FL
Zip: 32803
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Dear Sir/Madam, I am writing to file a formal complaint regarding the recent restrictions imposed on my credit card account with my Goldman Sachs XXXX Apple Card XXXX I have been facing significant challenges in using my credit card for the past couple of weeks, and I believe these restrictions are unjustified and detrimental to my financial well-being. I want to emphasize that I am a XXXX citizen, and these financial restrictions have caused undue stress and inconvenience to me. My XXXX XXXX and fixed income make it essential for me to have access to my credit card to cover daily expenses, emergencies, and various other essential purchases. Unfortunately, I feel that my circumstance as an older individual may have been taken for granted, leading to the current situation. It is important to note that my credit card account is in excellent standing, with no outstanding balance due. I have maintained a timely payment history, and my creditworthiness should not be a factor in the restrictions that have been placed on my account.
Company Response:
State: CA
Zip: 91352
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I assume an installment loan with Greensky LLC. program. The loan had a per Quiter installment history payment plan. I have documents, contracts, and payment plans. That I agreed to but I am disputing the final payoff and the amount of overpayment They have charged me. To close out the loan, I sent them an additional {$2000.00}. to meet their demands. But My mortgage company sent them a final payoff amount of {$48000.00}. The total loan amount was XXXX. The loan was approved for XXXX. But I only needed XXXX for the dental implants. But before I used any of the loans. There was an introductory agreement that I pay XXXX for the first 6 months. The first 6 months was based on a XXXX loan. After that was paid, they would recalculate the remaining balance. Here is the below line : XXXX. plus XXXX plus XXXX The loan was only XXXX.
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Late fee of {$7.00} should be waived, my balance was XXXX, and XXXX credit card played a game with me, they added the disputed amount of {$240.00} in the balance and then immediately charged me the late fee of {$7.00} they should stop playing these games with the customers. They are unnecessarily wasting a lot of time on the phone to verify the account and filing a dispute.
Company Response:
State: CA
Zip: 92833
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Marcus / Goldmans Sach closed my account because they suspected fraud. After verifying my information, they still closed my account. The investigation took several weeks to resolve and I didn't have access to my money XXXX + During the time that I didn't have access to my money, interest was never paid out when the balance was sent to me
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/2020, MTGLQ Investors, L.P. foreclosed on a loan with XXXX XXXX for a property at XXXX XXXX XXXX, XXXX, MS , XXXX. It appears that they used a servicer, XXXX XXXX XXXX, to do so as XXXX 's phone number was listed on the legal paperwork. Internet searches indicate that MTGLQ Investors, L.P. is an entity controlled by Goldman Sachs. Since foreclosure, MTGLQ has not maintained the property, and it is currently an abandoned eyesore with vagrants, drug users, and other issues emanating from it. I have tried to reach out in any way I can to this company to beg them to either sell it to me, list it with a realtor, ANYTHING, but they have clearly abandoned it over the past three years. This is leading to a severely detrimental effect on our neighborhood, and I am hopeful that the CFPB can help.
Company Response:
State: MS
Zip: 39402
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A