Date Received: 2023-08-10
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Lock account without prior notice and lying to customer!!! Following up with previous complaints. The bank replied and said on XX/XX/XXXX they will close my account and transfer my money, but didn't receive my call backs on XX/XX/XXXX and XX/XX/XXXX so they can not proceed. However, this is not the truth. The bank is lying. I did receive emails regarding calling back to the bank, and I called back. On XX/XX/XXXX, someone claimed to be a supervisor refused to close my account and denied the fact that I have requested to change my address in my previous calls. However, on XX/XX/XXXX, I have requested to send XXXX to my new address. I told her I reached an agreement with the bank to close my account on XX/XX/XXXX, and I even agreed to the verbal statements of closing account. But she still rejected the facts. XX/XX/XXXX, I called again, a XXXX in fraud department answered my call. XXXX refused to tell me anything regarding my account ( including when will the XXXX be sent out ) and also rejected to look into my issue. I made zero progress in this call too. The bank is not resolving my issue as they said!!! I did call back but none of the people answered the phone proceeded to close my account, which is in the contrary to their replies. They are lying. I've attached my records of calling the bank on XX/XX/XXXX and XX/XX/XXXX. I'm asking for a {$1000.00} compensation for the total XXXX hours I'm wasting on phone calls, my financial loss, and my mental suffering during the previous two months dealing with this bank.
Company Response:
State: CA
Zip: 94085
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Due to the incompetence and shady business practices of Goldman Sachs/Apple Card , I am having to file a second complaint. My original complaint ( XXXX ) was filed because there was an " inadvertent processing error '' by Goldman Sachs and my Apple Card was overpaid by {$480.00}. Goldman Sachs/Apple Card initially refused to refund my overpayment. When they did finally refund my overpayment, they charged me {$11.00} in interest that should have never been charged because, as is the case every month, my balance was paid in full. Additionally, I was informed that there would be a trailing interest charge because of their mismanagement of my account. Goldman Sachs refunded the {$11.00} interest that should have never been charged and informed me they would also automatically refund the trailing interest charge ( I specifically asked if I needed to initiate the refund and was told that I did not ). At the close of my last billing period, I was charged {$4.00}. The trailing interest was not automatically refunded, so I contacted Goldman Sachs/Apple Card on or about XXXX XXXX. It is now XXXX XXXX and the erroneously charged trailing interest has still not been refunded. There seems to be a pattern of shady business practices, that border on fraud, by Goldman Sachs/Apple Card . This is likely what doomed their push into consumer banking.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Back in XXXX, I was frauded in several ways, and somehow these accounts have appeared on my credit report : XXXX XXXX, and Goldman Sachs And Co. I have never shopped at either of these companies, yet I just got a notification from XXXX XXXX that my XXXX XXXX line of credit has been reduced because of delinquent payments on these accounts. I don't know how to correct this mess. Please advise. I need these removed from my XXXX credit report. I have tried contacting them, and they said they would research this fraud.
Company Response:
State: TN
Zip: 37040
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I had my furnace replaced by XXXX. Set up the loan with them. It was supposed to be a 5.99 % fixed simple interest loan. Never did I receive any loan documents. This happened XX/XX/XXXX. Got a bill from a company called Greensky on XX/XX/XXXX. It was bill for the furnace and the interest rate was 9.99 % with a promotional period. I immediately called XXXX and told them that was not what I have agreed to. And where are the loan docs. They told me that it was not their problem. So now, Greensky is charging me fees like, we reviewed your loan, {$120.00}. I have accrued interest charges of {$690.00} after the interest that I have been paying, {$560.00}. I have no idea of what these charges are. Never have I received loan docs. Plus I have to pay back my credit limit not the amount I borrowed. I have called Greensky, but they are no help. Since they reviewed my loan, now my payments increased. I only had this loan for XXXX months. HELP
Company Response:
State: CA
Zip: 91320
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/2023, my wife made two ACH transfers ( $ XXXX and {$22000.00} ) from Marcus by Goldman Sachs to XXXX XXXX. I'm the secondary joint owner of Marcus saving account and the sole owner of XXXX checking account. XXXX suspects it's a fraud so that they closed the XXXX account forcefully. In order to get the money back, XXXX requires Marcus to send an Indemnification Agreement ( Hold Harmless Agreement XXXX XXXX XXXX ). However, Marcus said they don't have this process and can't do it. Now I'm in this deadlock and can't get my money back. I appreciate if you can help us negotiate with XXXX and Marcus and find a way out.
Company Response:
State: WA
Zip: 98006
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been subjected to unethical practices by GreenSky that have left me deeply concerned about the financial industry 's ability to protect consumers. GreenSky, in violation of the Consumer Financial Protection Act of 2010 ( CFPA ), engaged in unfair practices that allowed unauthorized loans to be processed and serviced through their program. These loans were initiated without proper authorization from consumers, leading to unjust financial obligations and a breach of consumer trust. Details of My Experience : I began to notice unfamiliar charges on my billing statements and collection letters from GreenSky, accompanied by calls urging me to make payments on loans I had neither requested nor authorized. As someone who had never applied for a loan from GreenSky or even heard of the company prior to these notifications, I was baffled and concerned about the origins of these charges. After conducting further research, I discovered that GreenSky had engaged in the unethical practice of processing and servicing unauthorized loans, allowing merchants to initiate loans on behalf of consumers without their consent. This practice resulted in at least XXXX complaints from consumers, myself included, who had experienced similar unauthorized loan applications. Investigation into these complaints revealed that the fault primarily lay with the merchants, amounting to at least XXXX instances. Impact and Consequences : The actions of GreenSky have had a profound impact on my financial stability and peace of mind. The unauthorized loans have created financial burdens that were never part of my financial planning, leading to unnecessary stress and anxiety. Additionally, the lack of proper merchant training and oversight, as well as the company 's failure to manage consumer complaints adequately, demonstrates a significant oversight on the part of GreenSky. Expected Resolution : Given the extent of harm inflicted on myself and other consumers, I implore the Consumer Financial Protection Bureau ( CFPB ) to take swift and decisive action against GreenSky. I expect GreenSky to refund or cancel the unauthorized loan, as mandated by the consent order as a consequence of their unethical behavior. It is essential that GreenSky also implement robust procedures to prevent the recurrence of such fraudulent loans in the future. Conclusion : I trust that the Consumer Financial Protection Bureau will take my complaint seriously and undertake appropriate measures to ensure that GreenSky is held accountable for its actions. The wellbeing of consumers is paramount, and it is imperative that actions are taken to rectify the financial and emotional damages caused by the company 's irresponsible and unfair practices. Thank you for your attention to this matter. I eagerly await a response and the resolution of this distressing situation.
Company Response:
State: OK
Zip: 73099
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XX/XX/ : Deposited {$20000.00} to Marcus XXXX Account from XXXX XXXX XXXXXXXX XXXX Account. XX/XX/ : Marcus XXXX Account locked, called the bank and they said they need to close my account and that I will receive a check with my deposit in the mail. XX/XX/ : Hadn't received my deposit in the mail so called Marcus again, they said they needed to take an extra step and that they will return my deposit to XXXX XXXX XXXXXXXX XXXX Account. XX/XX/ : Hadn't received my deposit in my checking account so called Marcus again, they said that my case was " under review '' and that they can not disclose how much longer it will be " under review ''. Essentially, they've been holding {$20000.00} locked without recourse or any transparency on when I will receive my funds back
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
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/XXXX Ref : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Exp. XX/XX/XXXX To whom it may concern. I traded in my XXXX old XXXX XXXX, and I have attached emails from XXXX regarding the trade-in, which offer complete confirmation. Attachment # XXXX Upon receiving emails from XXXX that confirm the trade-in, I proceeded to cancel the XXXX coverage with Theft and Loss Protection for all XXXX XXXX XXXX. Subsequently, I obtained refunds for these cancellations from XXXX. Please refer to the attached emails from XXXX for verification. Attachment # XXXX Nevertheless, Goldman Sachs credit card has been consistently imposing unreasonable charges on me since the cancellation of the XXXX insurances. These charges have been recurring on a monthly basis. Kindly review the provided statements for further clarification. Attachment # XXXX I initiated disputes and submitted all relevant emails as evidence to Goldman Sachs through both their chat service and certified mail to their headquarters. While they initially issued credits, they have persistently continued to levy charges for the canceled XXXX insurances in a recurring manner. Please refer to our chat history and the proof of service documents for verification. Attachment # XXXX and # XXXX Please help me halt the unauthorized charges for all XXXX of my cancelled insurances. During my recent interaction, I devoted around XXXX and a half hours to a chat session with Goldman Sachs. Unfortunately, I was repeatedly transferred between representatives, and each time, I had to reiterate the entire situation. Despite my persistent efforts, no headway has been achieved. This situation feels like a form of teasing and unjust treatment. Regrettably, I find myself incapable of attaining justice independently, and I am earnestly hopeful that your Bureau can undertake an investigation. I extend my gratitude in advance for your assistance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
Company Response:
State: NY
Zip: 11235
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance to The Fair Credit Reporting Act the following financial institution Goldman Sachs have validated my rights to privacy by sharing my nonpublic personal information to a nonaffiliated third party. As a consumer I was not given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to any third party. As a consumer I was also not given an explanation of how the consumer can exercise that nondisclosure option.
Company Response:
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Marcus Bank is commiting fraud. Despite storing a down payment on a home for several months earning their acclaimed high interest rates, when it came time to purchase a home they took 2 business days of persistent phone calls to ultimately reject the wire transfer without a reason citing policy of " case by case '' as justification. Money that was deposited to the bank, money that was marked available for several months, was inaccessible at a critical time of need. The phone operators were unable to help because the structure of the company prohibited them from understanding the rejection, prohibited them from contacting the right person, and ultimately made each person who I can talk to repeat the same line of being unable to help get the money I left with the bank. Marcus Bank is commiting fraud.
Company Response:
State: IL
Zip: 607XX
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A