Date Received: 2023-08-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. I await your response.
Company Response:
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
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 was about to move across country when my XXXX broke. I went online to buy another one, and was offered a payment plan by Apple. I accepted the offer and used my current email address on the application. My XXXX arrived, I moved across country and went about my life. Unfortunately, Apple was sending billing statements to the old email account that was used to originally setup my apple account, instead of the new email I used on the credit app, and I never received a bill. It took a few mohths before I finally realized that I had not recieved a bill, so I called apple and paid the entire account in full. I asked the agent on the phone if everything was taken care of, or if I needed to do anything further, and she assured me all was good and this would not affect my credit. Months later, even though I had not recieved any bills to my email or phyiscal mailing address, there was a 30 and 60 day late notice on my credit report from Apple. When I called to find out why, apparently there was an interest charge of around XXXX cents that did not get paid off when I had called to pay off the account previously. I paid the XXXX cents and closed the account. Now apple refuses to remove those late transactions from my credit report because my account is closed.
Company Response:
State: PA
Zip: 15216
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am writing to formally dispute and bring to your attention the inaccurate and unauthorized information present on my credit report. Upon reviewing my credit history, I have discovered five delinquent trades, numerous installment delinquencies, and revolving delinquencies that I believe are erroneous and the result of unauthorized activities. I did not provide consent to these companies to run my credit or open any accounts in my name. Furthermore, the charges attributed to these companies are entirely unknown to me, and I have taken immediate action to address this matter. The companies in question are as follows : XXXX XXXX XXXXXXXX ( unknown charges for products I did not order or receive ) XXXX ( unknown charges for products I did not order or receive ) Expansion XXXX XXXX XXXX I have made diligent efforts to contact each of these companies to rectify this situation and obtain more information about the unauthorized charges. I have kept records of all correspondence, including dates, times, and the names of representatives I spoke with. Unfortunately, my attempts to resolve this matter directly with these companies have not yielded satisfactory results, leaving me with no alternative but to seek your assistance. I respectfully request that the Federal Trade Commission conducts a thorough investigation into these unauthorized charges and false reporting of delinquencies on my credit report. I understand the importance of accurate credit reporting and its impact on my financial well-being. These erroneous entries have adversely affected my creditworthiness and financial stability, potentially preventing me from accessing fair credit terms and opportunities. Enclosed with this letter are copies of all relevant documents, including correspondence with the aforementioned companies, in support of my claim. I kindly ask for your prompt attention to this matter, as I am eager to resolve these discrepancies and restore the accuracy of my credit report. Thank you for your time and consideration. I look forward to a timely resolution of this issue and appreciate your efforts in rectifying this situation.
Company Response:
State: CO
Zip: 80134
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: The complaint I am filing with CFPB is with GreenSky. In order to describe this thoroughly, I need to also mention the involvement of XXXX XXXX XXXX. I hired XXXX XXXX XXXX to replace all the windows in my home, and decided to finance this project via GreenSky due to the promotional rate GreenSky was offering. After the windows were installed, I noticed that some of the windows were missing window stoppers. I reached out several times to XXXX to have them finish the installation and supply the window stoppers, but I was unsuccessful in getting XXXX to comply. Per GreenSkys Customer Bill of Rights, I filed a dispute with GreenSky regarding the window stoppers that Power never installed. GreenSky credited my account on XX/XX/2023 with a provisional credit of {$2200.00}, According to GreenSkys policy, this credit can be removed if XXXX ever completed the installation. It is important to note that XXXX never completed the installation, never supplied me with the correct window stoppers and never contacted me again after my last email exchange with them on XX/XX/2023. GreenSky subsequently sent me a letter dated XX/XX/2023, which is a week after they credited my account with the provisional credit. This letter states that as a result of their investigation of my dispute, The provisional credit previously applied to your account will now become permanent. This means that the {$2200.00} credit I received is now permanent and I am no longer responsible for paying it. On XX/XX/2023, I called and spoke with DeCarlos, a Customer Solutions Account Manager at GreenSky, XXXX ext. XXXX, to follow up with GreenSky about my dispute with XXXX. In this conversation I notified XXXX that XXXX had still not supplied the window stoppers. XXXX reviewed my account information, saw the aforementioned letter in my account and verified the credit to my account was permanent. At this point, I communicated to XXXX that I decided not to bother pursuing XXXX anymore to rectify the situation since the credit was permanent. I would just live with not having the correct window stoppers. As I stated earlier, XXXX has still not supplied the window stoppers and never contacted me again to complete the project. I made the minimum payments on time for the statement periods ending XX/XX/2023 and XX/XX/2023, respectively. At this point, my payoff ( remaining ) balance is now {$19000.00}, and this dollar amount includes the permanent credit of {$2200.00} previously applied to my account. I paid off the remaining balance on XX/XX/2023, XXXX day before the due date of XX/XX/2023. I received an email from GreenSky acknowledging receipt of that payment. At this point, I have completely paid off the loan. Much to my surprise, once I paid off the loan, GreenSky sent me another statement for the period ending XX/XX/2023, saying I still have a balance. This statement shows I submitted the aforementioned payment of {$19000.00}, although it lists the date incorrectly as XX/XX/2023 ( a minor detail ). Without communicating anything to me, either through email, snail mail, or a phone call, GreenSky removed the permanent credit of {$2200.00}. I called GreenSky to inquire about their error on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX and several times on XX/XX/XXXX. During one of these calls, I came to find out that XXXX told GreenSky on XX/XX/2023 that they ( XXXX ) completed the project, which is completely false. This led to GreenSky reversing the credit, however, the credit was deemed permanent! It seems GreenSky needs a review of basic vocabulary as to the definition of the word permanent. In addition, GreenSky never reached out to me to inquire if the project was in fact completed, which it was not. For the calls made on XX/XX/XXXX and XXXX, I was able to speak with XXXX again both times. During those calls, I specifically asked for an email correspondence rather than phone calls due to my work schedule. XXXX assured me he would follow up with me one way or another and would initiate an email correspondence. However, I have never heard back from anyone at GreenSky to provide an update or rectify this issue, be it a phone call, voice mail or email, hence my subsequent calls on XX/XX/XXXX and XXXX. I have checked my Junk email folder and made sure my phone had space to receive voice mails, so I know GreenSky has not contacted me regarding this issue. The only correspondence I have received are XXXX subsequent statements and collection notices claiming my account is past due, which is false. My credit scores from all three rating agencies have consistently been near or above XXXX, which is an indication of my financial character to pay my bills and keep accurate records. I have also since learned that XXXX XXXX, the parent company of GreenSky, is suffering major loses due to its acquisition of GreenSky and is trying to sell GreenSky. It turns out that GreenSky has never turned a profit and losses have reportedly amounted to over {$3.00} XXXX ( XXXX XXXX XXXX XXXX XXXXgreensky/ ). What is more likely, a person with my track record suddenly deciding not to pay his bills or a company that is having financial issues doing whatever they can to diminish their losses. I have not bothered trying to contact GreenSky again because it is obvious to me that GreenSky is not operating in good faith and is not conducting good business practices. They refuse to acknowledge their mistake and quite possibly are doing so due to their financial difficulties. The {$2200.00} credit should never have been removed from my account for either of the following reasons : I still have not received the window stoppers but more importantly, GreenSky sent me a letter ( a legal document ) deeming the credit permanent.
Company Response:
State: NY
Zip: 11010
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX, I was charged 3 different charges on my Apple Credit card. The charges were {$9.00} for a game streaming service, {$190.00} for the same game streaming service, and finally {$190.00} for the same exact game streaming service. All of the charges were made at around XXXX. When I woke up the next morning, I saw the notifications sent from apple about the charges that were charged to my card the night before. The charges were made by my son, who is a XXXX I disputed the charges with Apple by telling them the charges were made by my XXXX son. Apple refunded the {$9.00} charge but, the say the two {$190.00} charges are ineligible for refunds. I argue that Apple is not looking out for their customers. I have had this card for approximately 3 years. I have never made any purchases on any gaming websites. For them to just allow the charges to go through in the first place is outrageous. You would think they would be proactive to avoid fraud to themselves and their customers. As part of a previous lawsuit against apple, " Apple was required to modify it's billing practices by making sure to receive consumer 's explicit consent for current and future in-app charges and that the consent could be withdrawn at any time. '' I never gave explicit consent and I would like the 2 charges of {$190.00} refunded back to me.
Company Response:
State: GA
Zip: 30809
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I requested a balance transfer from my husbands XXXX XXXX XXXX to my Goldman Sachs credit card account. The {$450.00} payment should have been sent to XXXX XXXX XXXX XXXX but was incorrectly credited to XXXX XXXX XXXX XXXX. This was the second balance transfer payment to this account, as the first one, for {$450.00} that posted to XXXX XXXX XXXX XXXX did not post for several weeks and after speaking with XXXX who advised to stop payment on the check as it hadnt posted, ended up posting a couple of days later, then the payment was sent back due to the stop payment. I have spent the last 3 months trying to get this issue resolved and neither XXXX nor Goldman Sachs will correct the issue. They keep bouncing me from person to person and ultimately say the other bank is responsible, even though they have the information and account number of where the payment was incorrectly posted to. I am overdrawn on my XXXX credit card due to this error because they originally credited me, then removed the credit. In the meantime, I issued another balance transfer to Goldman Sachs to cover the original one that was issued and then reversed.
Company Response:
State: NY
Zip: 121XX
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: When Goldman Sachs Bank USA purchased XXXX XXXXXXXX XXXX sponsored XXXX XXXX from the last owner ( XXXX XXXX? ) and started conducting business as " Marcus '' sent a flyer promising {$25.00} bonus " earnings just by stetting up your account and confirming your profile. '' See Ex " 1. '' we immediately did that on their new Website " Marcus. Com. '' Every time we called Customer Service, they promised that the bonus earnings credit will be paid within 90 days. That 90 days has been over nearly 2 years ago. We have not received the advertised bonus earning of {$25.00}. We want response in writing -NO TELEPHONE CALLS.
Company Response:
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Subject : Fraudulent transactions conducted in my absence amounting to over {$120000.00} from my Savings account at Marcus by Goldman Sachs. Summary : I am on XXXX XXXX in the USA and was out of the country for a long duration due to my father 's accident and my personal serious illness due to XXXX. In my absence there were total 345 fraudulent transactions conducted due to bank 's negligence and the bank failed to lock my account or notify me. These transactions happened for over 8 months from XX/XX/XXXX till XX/XX/XXXX. I have repeatedly contacted the bank to resolve the issue and refund the amount, but only a partial amount was refunded and the bank refused to acknowledge fraud stating that the transactions were legitimate. My family is going through a tough time and my father is still in XXXX XXXX Such a huge amount is a big loss for me and my family. I urge you to look into this matter and help me recover my funds.
Company Response:
State: CA
Zip: 94538
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: GreenSky lending lent us {$15000.00}. Within a month we had paid the amount in full of {$14000.00} after an initial payment. This amount has been on our record for the past four months and they have yet to remove it from our credit report. I have sent countless emails and have tried to get them to remove it to no avail.
Company Response:
State: KY
Zip: 40272
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is account does not belong to me I have contacted the credit bureau as well as trying to contact the creditor but to no avail. I was XXXX from XX/XX/XXXX to XX/XX/XXXX.
Company Response:
State: MI
Zip: 48532
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A