Date Received: 2023-08-14
Issue: Getting the loan
Subissue:
Consumer Complaint: Needed extensive plumbing repair. ( XXXX, MN ) XXXX XXXX XXXX encouraged us to apply in our home while he was there ( some repairs were already done ) ... and said we were approved. We were to activate loan online. Were not able to ... and advised to call Green Sky ( the loan company ). I have been calling all week, put on hold, transferred, to no avail, being told " a case was opened '' " it is in investigations '' XXXX, from Green Sky is supposed to call, has not yet. I have left several messages. His number is : XXXX, ext. XXXX. XXXX XXXX XXXX is angry that we have not " activated '' loan yet and advised me rudely to get it activated now or we don't get paid! We have 3 incomes in this house. My mom is the primary on the loan ( loan app XXXX XXXX..name XXXX XXXX ) She is XXXX she does not hear well o n the phone. They have not returned calls or taken me seriously at all. I do not know what the problem is. The work was to be in the XXXX XXXX range. We will have to cancel the rest of the work and pr0bably be charged more because it was a " bundle package. '' We can pay some on a credit card but would need a loan to complete the big job which is a necessary job.. I am stuck here waiting for a call that does not come with XXXX XXXX breathing down my neck AS IF IT IS MY FAULT!!!! Please help... .my phone number is XXXX. XXXX XXXX is my mother and she and I are living in the same home, as is my partner. The loan is in her name. I can not move forward or backward waiting for Green Sky to contact me and I have tried all week!!
Company Response:
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have my Apple Card ( Goldman sachs ) account restricted, tried to contact to them big number of times and they just say account under review, its already going few months
Company Response:
State: CA
Zip: 95610
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have been a victim of a horrible crime, whereby I was XXXX XXXX forced to reveal my phone passcodes and authentication information while visiting in XXXX XXXXXXXX XXXX As a result of this I lost access to my apple XXXX account and thereby access to my AppleCard by Goldman Sachs account. I had an installment plan for my XXXX XXXX and since I had lost visibility into the account, I attempted to pay it off early by making a payment of what the CSR indicated was the balance of the loan of {$370.00}. This payment cleared my bank on XX/XX/2023. After this payment was made, and I attempted to close the account, I am told by another CSR that I have a {$98.00} balance, which I reluctantly paid. When I asked for a detailed ledger of the payments made to the installment plan in question so that I could reconcile the total amount and whether I am paying the right amount or overpaying and I was not able to receive a ledger nor any clarifying information, even by escalating to a supervisor.
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: This is a follow up from complaints XXXX, XXXX, XXXX, and XXXX. Goldman Sachs claims in their reply to XXXX that they have restored my installment plan and that they would follow-up with me. As noted in my reply to that complaint, I never received any such follow-up, and furthermore, my installment plan was not restored with the original terms and conditions. Today I spoke with a different resource at Goldman Sachs, first name 'XXXX XXXX, and he indicates the terms have changed and they have no way to restore them to the original agreement. I share this fact with the CFPB for information, as I believe changing the terms of this agreement is likely in violation of any number of Federal regulations, but Goldman Sachs is unwilling or unable to restore my original terms. I doubt that fact is likely to change in response to this complaint. The sum total of all of these issues have consumed countless hours of my time and based on my reading through public complaints in the database it would appear very probable that I am not the only consumer adversely affected by Goldman 's many issues with this product. I would encourage the CFPB to further investigate these systemic issues as all my good faith efforts to do so directly with Goldman have failed.
Company Response:
State: OR
Zip: 97223
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have been a customer of MARCUS.com ( Marcus Goldman Sachs ) since XX/XX/XXXX. About 6 months ago I opened a new cd and a saving account and made a deposit of $ XXXX, one day in XX/XX/XXXX, I tried to access my online account and found out it was being locked and there were no email notifications or any signs before they decided to lock my account. Since that, I tried to call them numerous times and try to solve the issue but the first time I called their rep told me the house number was the only number that their internal system identified. Very soon I noticed she was lying, I have always used my cell phone as the primary number whenever I forgot the password their system would automatically send me the passcode to my cell phone. I told her I have never set my house number as the primary, and I asked her about where on the website had that setting and she said it was their internal system that identifies the house number, not the cell phone number. I then was promised that someone will be in contact with me no later than 48 hours to verify and provide the passcode. 2 days passed I did not get a single call from them, I then made several follow-up calls about this, and every time I was promised the same things and I still never got the call then I continued making several calls until someone finally said I can send them the notarized documents to prove my identity so I did it then I called again to follow up and make sure they got my documents. They told me they have received the documents and they are currently in the queue for review. I was told to call them back in 3-5 days to follow up on the status. It has been over 3 weeks, I have made a total of 6 calls at different times and I was always been told the same lies. Until today, MARCUS still locks my account.
Company Response:
State: CA
Zip: 917XX
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: For the past few weeks, I have tried multiple times to move money from a Marcus by Goldman Sachs account into an external account. Each attempt has failed even though I have followed different advice/ instructions from Marcus representatives and supervisors each time. No one has been able to provide an accurate answer as to why I can't move the money as requested. I need the following : ( i ) My wire request to go through successfully and ( ii ) someone to instruct me in how to avoid this issue moving forward.
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
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: XX/XX/23 I was called and scammed by someone claiming to be Apple Card ( Goldman Saks ) Fraud Dept. They said they needed to do a hard reset on my Apple XXXX in order to prevent further fraud. I did it - and they took my identity and charged a total of almost {$12000.00} in several separate transactions at XXXX XXXX Apple stores ( I live in XXXX TX. ) I immediately reported the incident to Apple Card, I reported identity theft and got affidavit, police report, froze my credit etc.. My credit card ( Goldman Saks Apple Card ) has opened investigation and determined that I am responsible for the charges. I did not make these charges, I was not even in New York on that day which my credit card statement shows, and I cant understand why they are saying I must pay. They have not explained the decision and I need help because I feel like Apple Card is now scamming me.
Company Response:
State: TX
Zip: 75229
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Apple credit card illegally reported 4 late payments on my consumer credit report. while under a billing dispute error XXXX 15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Apple credit card never mailed any of these statements previously apple stated their policy is electronic statements- unfortunately in regards to the fair care reporting act federal law requires creditors to mail the statement - apple 's credit card policy is just their policy and not federal law under consumer reporting -If an open-end consumer credit plan provides a period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed concerning such portion of the credit extended for the billing cycle of which such period is a part unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made to avoid the imposition of that finance charge Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( XXXX ) transmittal of funds to a creditor in excess of the total balance due on an account, XXXX XXXX ) rebates of unearned finance charges or insurance premiums, or ( XXXX ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.
Company Response:
State: MN
Zip: 55112
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
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 write to you in my capacity as a steadfast disputant of the charges levied against my account in relation to purchases made from XXXX 's. My contention primarily revolves around XXXX distinct charges, namely {$970.00} ( Reference XXXX ), {$1800.00} ( Reference XXXX ), and {$1200.00} ( Reference XXXX ). The items associated with these charges were returned in a singular package, as per the instructions provided by XXXX 's, who furnished me with a single return label. The purported evidence provided by XXXX 's is, upon closer inspection, insufficient to substantiate their allegations. It merely confirms the receipt of goods, a fact I have never disputed. My contestation lies in the subsequent return of these goods through XXXX, utilizing XXXX 's provided shipping label. The allegations of being an " abuser '' are not only grossly inaccurate but also wholly unsupported by any tangible evidence or precedent. A cursory review of XXXX 's internal records would substantiate my claim that this was my maiden online purchase through their platform. The absence of any historical orders or returns under my name and billing address should further corroborate my assertions. The narrative of events could not be simpler : I received items that were unsuitable for myself and my partner, requested a return, and dutifully sent the items back using the provided XXXX shipping label. Regrettably, the package was reported as lost in transit. Despite multiple assurances of a forthcoming refund from XXXX 's representatives, the repayment remains outstanding, a source of great frustration. The role of Apple Card in this matter has, unfortunately, left much to be desired. The institution 's apparent endorsement of XXXX 's unsupported assertions has been disappointing. In essence, I find myself in an undesirable situation where I am without the items I initially purchased, saddled with the associated debt, and deprived of a much-needed refund. It is my sincere hope that this explanation provides clarity and prompts a re-evaluation of my case. In light of these experiences, I have resolved to discontinue any future transactions with XXXX 's. I appreciate your attention to this matter and look forward to your assistance in resolving this.
Company Response:
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I haven't XXXX credit card ending in XXXX, they did not resolve my XXXX dispute for reference number : XXXX It is in the amount of {$240.00} XXXX, I'm pretty disappointed, and did not expect this. The service was miserable of this XXXX listing i stayed at and I did not expect this. Secondly they have applied a {$7.00} cents on my credit card out of no reason, I do not know how come the payment got returned. Customer service is a disaster, and it takes forever to reach a customer service agent and they keep on transferring to another person, and it never gets resolved
Company Response:
State: CA
Zip: 92833
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A