Date Received: 2023-08-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Correspondence was sent to company back in XX/XX/2022, they never provided any documentation about alleged debt, now they are reporting this on my credit report as late payments lowering my score and I have not received anything from them in months, not a bill, a letter, NOTHING.
Company Response:
State: IL
Zip: 60099
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Dear Sir/Madam, I am writing to file a complaint against Goldman Sachs Bank USA XXXX XXXX XXXX XXXX XXXX XXXX regarding a transaction issue I have been experiencing. In XXXX, I opened both a checking and savings account with XXXX XXXX. I initiated two transfers of {$500.00} each, one from my XXXX account to the new XXXX XXXX checking account and the other from my Apple Saving account ( managed by Goldman Sachs Bank USA, XXXX XXXX XXXX Branch ) to the XXXXXXXX XXXX saving account. Not long after, XXXXXXXX XXXX terminated both of my new accounts. While I received a refund notification for the checking account, and indeed the {$500.00} was returned to my XXXX account, the same can not be said for the {$500.00} from my savings account. I promptly visited a local branch of XXXX XXXX to inquire about the missing funds. The bank personnel informed me that the money had been withdrawn from XXXX XXXX and should now be in Goldman Sachs Bank. Acting on this advice, I contacted Goldman Sachs, where I was told to wait several more days for the funds to reflect in my Apple Saving account. However, after waiting for over 14 business days, the funds have yet to appear in my account. This situation has caused me considerable stress and inconvenience, and I have undertaken due diligence in liaising with both banks to no avail. As a consumer, I trust financial institutions to manage transactions efficiently and transparently. In this instance, there appears to be a discrepancy that neither institution is willing or able to rectify. I kindly request the CFPB 's intervention in mediating this matter to ensure a fair and timely resolution. Attached, please find relevant documentation, including transaction records, email communications, and notes from my interactions with both banks. Thank you for your attention to this matter. I look forward to a positive resolution and appreciate the CFPB 's assistance in this regard. Sincerely
Company Response:
State: NJ
Zip: 08854
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I filed for XXXX in XXXX, XXXX. My XXXX was XXXX in XXXX, XXXX. My balance with Apple Card - Goldman Sachs Bank USA was included in my XXXX Since I've received my XXXX discharge Apple Card continues to report this account as open and derogatory to XXXX. It is only reporting as open on my XXXX credit report. All of my XXXX credit card accounts, including this one, are now closed. Continuing to report this account as open, when it is closed, is affecting my XXXX XXXX. I contacted Apple Card in XXXX, XXXX, XXXX, XXXX, and XXXX, XXXX - requesting an update to my XXXX credit report. Each time I was told my request had been escalated to a XXXX XXXX XXXX and would reflect with the next reporting at the end of the month. It is now XXXX, XXXX and this account is still reporting as open on my XXXX Credit report. I have challenged this misreporting directly with XXXX in XXXX, XXXX and in XXXX, XXXX. Apple Card continues to verify back to XXXX that this information as accurate, and no changes have been made to my report. Please note, Apple Card is accurately reporting that the card balance is {$0.00} and was included in my XXXX, HOWEVER they are still reporting the account as open. THIS ACCOUNT IS NOT OPEN AND IS NOT IN A DEROGATORY STATUS. IT IS CLOSED AND NEEDS TO BE REPORTED TO XXXX AS CLOSED. To reiterate, my issue is not how it is reported to XXXX or XXXX. The issue is solely with XXXX. I am reaching out to CFPB for assistance with getting this corrected. If this is not resolved my next step will be to take legal action.
Company Response:
State: CA
Zip: 90804
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I reported unknown charges on my apples card. They opened an investigation and removed the charges. In the midst of the investigation, they locked my account. My monthly payment came due for less than {$3.00} and I was unable to pay it because I was locked out. I attempted to contact them before the due date passed and could not get through. A couple of days later I was able to get my account unlocked and paid the balance. They refused to remove the late payment reported to my credit, which dropped my score XXXX points. I have not missed a payment in over 10 years. I attempted to resolve and they were not helpful.
Company Response:
State: FL
Zip: 33712
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
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 XX/XX/2023 I downloaded an app from the XXXX XXXX. I was prompted by the app that in order to use it I would need to sign up for the free trial and then pay {$40.00} after the 7 day free trial expired. So I proceeded and was immediately charged the {$40.00}. I suspect this is a scam the app developers use on unsuspecting people. I did not authorize the app to charge me {$40.00}. I reported this problem to XXXX and they are telling me I am forced to pay even though I was scammed. So I am elevating this.
Company Response:
State: CA
Zip: 94901
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Dear Goldman Sachs Bank : I am responding to your business reporting a debt you are trying to collect. You reported on all three credit bureaus XXXX, XXXX as well as XXXX by postal mail, on XX/XX/2023, and identified the debt as verified debt owed. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Company Response:
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
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 ordered with my Goldman Sachs GM credit card XXXX pair of shoes. Around XX/XX/XXXX the purchase price is XXXX the date it shipped was XX/XX/XXXX. The company name is XXXX. I received an email stating that my items had been delivered however when I got home from work there was nothing on my porch. I contacted the merchant to ask them what's the problem they told me that it has been delivered. I then filed a dispute with Goldman XXXX GM for the disputed amount above. They keep denying my claim because they're stating that the shipper delivered the item. So they're making me pay for items that was stolen off of my porch before I can retrieve them. I've been disputing this since then
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Subject : Request for Assistance Regarding Incorrect Reporting of Credit Delinquency I, XXXX XXXX, am writing to address a series of issues related to my account, previously held with XXXX XXXXXXXX under the XXXXXXXX XXXX XXXX, which subsequently transitioned to Goldman Sachs in XX/XX/2022. For a period of eight years prior to this transition, I was a responsible and compliant account holder with XXXX XXXX. However, during the course of the transition to Goldman Sachs, which lasted approximately 3-4 months, I encountered significant and unexpected difficulties. Access to XXXX XXXXXXXX Account : Throughout the transition period, I was unable to access my XXXX XXXXXXXX account. This prevented me from viewing my balance, paying my bills, or managing any other account-related matters. Failure to Receive New Card : Despite diligent communication with Goldman Sachs ' customer support, I did not receive my new card. The support staff repeatedly assured me that the card was on its way, only to later discover that it had been sent to an outdated address. Delays in Addressing the Issue : The eventual realization of the mistake by Goldman Sachs led to further delays. The process of receiving my new card and accessing the newly switched Marcus account was fraught with unnecessary challenges. Credit Report Impact : During this period, I received a credit report indicating serious delinquency on this credit card account. This was alarming, given my otherwise perfect payment record on this and all other credit cards under my name. Though I promptly paid the outstanding {$30.00} balance upon finally gaining access to my account, the delinquency had already been recorded on my report. Impact on Mortgage Application : This erroneous delinquency has had a direct and adverse impact on my attempt to purchase a house, as it reflects unfairly on my creditworthiness. Unsuccessful Attempts at Resolution : Despite my best efforts to reach out to the concerned parties and seek resolution, I have been met with resistance and inaction. In light of the foregoing, I respectfully request your intervention and assistance in resolving this matter. I believe that the facts clearly demonstrate that I am a responsible consumer who pays debts in a timely manner, and that this incident is an aberration resulting from circumstances beyond my control. Your prompt attention to this matter will not only correct an injustice but also facilitate my ongoing efforts to purchase a home. Please find enclosed relevant documents supporting my case. I look forward to hearing from you soon. Sincerely, XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
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: An Apple Card was fraudulently added to my name and used to siphon funds from my bank account from XX/XX/XXXX to XX/XX/XXXX through Goldman Sachs. The amount owed was reported as fraud and charged off so that I wouldn't be entitled to the return of funds. I never requested it to be charged off, only investigated so that as a result, my funds were returned to me. The final grouping of payments that were denied due to insufficient funds were not the only funds that were illegally accessed. Again, the payments made between the dates of XX/XX/XXXX to XX/XX/XXXX were fraudulent as well. Goldman Sachs and involved credit bureaus acknowledged that the payments were fraudulent but Goldman Sachs has refused to return the funds that was stolen. I was given multiple dates for a return of the funds, which is notated in Goldman Sachs notes but funds have yet to be returned as of XX/XX/XXXX. I am aware that there is a XXXX period after which legally, I am to receive returned funds and have expressed this to Goldman Sachs XXXX XXXX XXXX, XXXX Department but yet have not received any refund as of this date. I am in need of the funds to avoid further financial distress. And request that this refund process be expedited. I am prepared to seek legal remedies for pain and suffering and mental distress associated with the ordeal. The total amount is XXXX.
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My Apple credit card and savings account were locked and restricted by Goldman Sachs on XX/XX/2023. I have called numerous times to try to resolve the issue and each person I talk to only tells me that my account is under review and that someone would be reaching out to me to verify my information. It has been well over a week since this issue began and I have not been given an update and I have no access to my accounts and can not withdraw from my own savings. Customer service is less than helpful and my account is seemingly locked for no reason.
Company Response:
State: TX
Zip: 755XX
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A