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: To Whom It May Concern, I have been dealing with identity theft for the past year and a half and it is a difficult and troublesome on-going issue that Im still trying to resolve. There is an on-going identify theft alert in my name with FTC. Ive also put a year fraud alert with credit companies for this entire year. Please re-open an investigation for this fraud case on my behalf. Furthermore, I have also enclosed a police report for the illegitimate charges as well circumstances that have caused the identify theft in the first place. Apple card issued by Goldman Sachs Bank USA has blocked me from seeing my bank statement under my apple ID : XXXX I have reported many charges which were fraudulent to them, however, they have re-billed everything that were reported. I can not see anything on my end I have no access to see what is happening to my account. However, I was afraid of interest would accrued on the card I just kept paying until I was able to reach out. They never returned my emails or phone calls and I'm left in the dark on why my fraud claim isn't resolved. As explained when I have reached out to them about those charges, which I can't see since my account was closed without notice, that are fraudulent due to identity fraud. They recently claimed they found not fraud on my account which is inconsistent to what I have originally reported to them. My phone was lost with my wallet, my virtual card is on that phone. How can you not find fraudulent activities on my card when that happened?? Moreover, I don't have access to this email address XXXX anymore because it was hacked into when I lost my phone. Again I received no communications from XXXX to its day. No reasons given as to why they closed my account either.
Company Response:
State: SC
Zip: 29526
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This company charged-off this alleged " debt ''. Per IRS publication all charge-off 's are considered income and it is illegal to report income. Per 15 USC 6802 I have the legal right to opt out of reporting. Notice of opt-out was sent to the company over a month ago.
Company Response:
State: CA
Zip: 93274
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
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: This is not a loan it was for a debt consolidation and they had me paying over {$300.00} and I chose not to use them and told him to close my account and then they put it down as if I got a loan for {$10000.00} And the credit cards on the consolidation were never paid, so what am I paying back {$10000.00} for I made payments to the one thats in at least six months, and nothing was accomplished. They didnt pay off any of my credit cards and and I didnt get any money.
Company Response:
State: CA
Zip: 90221
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
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 opened a GreenSky Financial account on XX/XX/XXXX which was activated on XX/XX/XXXX. The account was given a {$19000.00} line of credit to pay for a home repair. The vendor XXXX XXXX, XXXX submitted a fraudulent charge of {$6500.00} on XX/XX/XXXX which I initially declined approval for. I then spoke to the XXXX who said they accidentally made an internal billing mistake and credited {$6500.00} and they were just re-charging it but that my balance would NOT increase by {$6500.00} as this was NOT an additional charge it was correcting a deduction on their side of the GreenSky system. XXXX lied and deceived me into approving this request for payment which increased my balance. I do not owe this amount and assert it is a fraudulent charge. However, GreenSky has failed to take any action whatsoever to adjust this amount off of my balance. They have also denied me the right to remedy my claim with mediation and/or arbitration pursuant to their Bill of Rights. I respectfully request assistance with resolving the fraud to my account and having GreenSky correct the actual amount owed to my account. I filed my initial complaint with GreenSky back on XX/XX/XXXX and they have had sufficient time to resolve this matter and have failed to do so. I have already filed complaints with the XXXX, FTC and DOJ for Consumer Affairs.
Company Response:
State: NH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have being denied access to funds in my account and account usage for three ( 3 ) weeks resulting in financial losses to me and my investments. I have called the bank no less than 7 times over this and the bank has refused to do anything in resolution.
Company Response:
State: PA
Zip: 17011
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023, I received an email from Goldman Sachs about the closure of my Apple Card account associated with the Apple Id XXXX due what they claimed to be " failure to comply with the terms of the Customer Agreement ''. I called Goldman Sachs about the closure and they confirmed the account was indeed closed. I explained that that there must have been a mistake, as i couldn't have done anything that violated the user agreement. I even reread the Apple Card user agreement and could not find anything that would cause the closure. I then asked what terms in the agreement was violated. They responded that they have no way of telling as the only thing they could see was what was in the closure email. For the last 06 months I've been escalating the issue through Goldman Sachs to figure out why my account was closed. I was told something different by almost every representative. I was told to that my profile was in good standing and should just reapply. I would try to reapply from my Apple ID only to find the application showing an error. Then i was told to just reapply from a different Apple ID. When i applied with a new Apple ID, the application no longer showed as error. After submitting the application, it would sit in a review state for 15+ days before i would receive an email denying my application " due to system error ''. I was then told to wait 30 days, then 90 days, then 180 days. All the representatives telling me that I shouldn't be getting any of the error and my Apple ID is in good standing. Still nobody can tell me what terms were actually violated. On around XX/XX/2023, i received a call from a Goldman Sachs manager stating that they have done a through investigation on why i was having problems reapplying. She said they didn't find anything that could cause this issue on their end. She then states that my Apple ID is actually " Not '' eligible to reapply a the moment despite what every other prior representative have have stated. She then states that she also can't see what terns were violated and to keep randomly applying and the system will decide " when '' or " if '' it will let the application go through and that the matter is now closed. I then asked for a copy my account transcripts to review. She said that she could put in a request but it would be up to Goldman Sachs whether the company want to give it to me. As of XX/XX/2023, i have not heard back from Goldman Sachs about the request.
Company Response:
State: TX
Zip: 78224
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Due to banking issues, I paid my creditor XXXX in 1 month. ( depleting my account ). I asked the creditor for a refund, they refused, said speak to financial institution. Spoke to financial institution, they said speak to creditor.
Company Response:
State: NY
Zip: 11758
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 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 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 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 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: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Marcus by Goldman sachs has frozen my account several times and " unfrozen '' it now several times, yet I am unable to deposit or withdraw my money. Every time I speak to them they say I am " in the queue '' to close and wire my savings back to a bank I can trust, however nothing has changed. It has been weeks now since I have been able to access my own funds. In XXXX, I began a {$20000.00} withdrawal to my brokerage account which was reversed by Marcus. I called when it was reversed and they said it was unfrozen. I initiated the transfer again, and it was frozen and called to have it fixed. They had no record of the withdrawal. A week later, I made a deposit to find the deposit was reversed with the status " account frozen ''. I have spent hours on the phone with various agents who have been unable to assist. This " savings '' bank has saved me nothing- they have effectively stolen {$20000.00} from me. Pure incompetence. The worst part about these idiots is that they don't even have a record of the reversals unless you find the right person in their fraud department, then all of a sudden your shadow record is available. SCAM.
Company Response:
State: CO
Zip: 80504
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My savings account has been repeatedly locked and my funds have been trapped in the account, despite multiple calls with specialists who unlock the account. I have asked specialists if I was able to transfer my money out and they confirmed that I could transfer the money out. I requested a transfer from Marcus to XXXX on XX/XX/23that was returned onXX/XX/23 because my Marcus account was locked. I called Marcus and my account was unlocked by a representative who said it would be fine to transfer the money. I requested a transfer from Marcus to XXXX again on XX/XX/. This transfer was returned back into the Marcus account because, again, my Marcus account was locked. I called to unlock the account on XX/XX/ and was told that I had to submit an affidavit of identity before I could access my money that was locked in the account. I was told to call back in 1-3 business days because the affidavit required approval before Marcus would send it to me. I called 3 business days laterXX/XX/23 to check if the affidavit of identity had been sent, but the representative simply unlocked my account and confirmed that I could transfer the money out. I attempted to transfer my money out of the Marcus account, but once again the account was locked. During each call with a representative/specialist, I was given conflicting information about whether my account and funds were accessible. My mother received a voicemail on XX/XX/ informing me that my account had once again been locked and that I would need to call. I called on XX/XX/ to unlock the account and the representatives told me they had not put in the request for the affidavit of identity yet. The representative told me she would be asking the " upper management '' to approve that the affidavit of identity would be sent to me in the mail. I was told to call in 1-3 business days to check if the affidavit of identity had been to me from Marcus, XXXX I called today, XX/XX/. The representative on the phone said that there were no updates and that I am supposed to call in 3-5 business days. This means that my account and funds will have been locked for over a month before I can access them, and still Marcus does not give me information or help me access my funds.
Company Response:
State: CA
Zip: 91748
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A