Date Received: 2023-08-07
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: Attached documents prove that Apple Card violated consumer regulations in credit reporting, failed to properly investigate errors that their support supervisors identified as originating from Apple Card, and improperly reported an account as late for XXXX XXXX, when documents detail payments being made early/on time for said month. Attached documents show in detail that the Apple Card/GS bank generated technical errors, initiating a series of events - all caused by Apple Card - that were immediately rectified by the consumer ( myself ). Attached documents prove that Apple Card and myself only experienced brief windows ( hours ) in which either party was aware of issues. Attached documents prove that an error code generated by Apple stating that my bank ( XXXX XXXX ) or myself initiated returns for past month 's payments is WRONG. Though there were no late payments in this case, Attached documents prove that Apple Card violated regulations requiring late payments not to be reported negatively/late to credit bureaus under 30 days of past due. Said " returns '' ( documents show they were never returned to my checking ), occurring on XX/XX/XXXX and XXXX caused the account to appear past due for a brief period of no more than an hour or so. Payments were immediately sent, and I was assured on recorded lines by Apple Card XXXX that no further action was needed, and the account was current " Far from late. '' A supervisor identified the cause of the issue and explained it in detail on a recorded line ( case XXXX ), recognizing Apple Card 's error. As an example, for the month of XXXX, a payment was posted in the amount of {$3000.00}, which shows as accepted/recieved on the Apple Card Statement. On XX/XX/XXXX I was notified that this payment was " returned. '' My checking account statements ( matching the checking on the apple card statement ) show that these transactions were never present for myself or XXXX XXXX to have initiated, or received returns. Attached documents detail the situation in it's entirety. Support from Apple Card was minimal ; documents were requested to prove my dispute, but I was given NO proper location to upload the documents other than via generic help chat in the apple card/wallet app. Supervisors could not/would not confirm that these documents were even posted to the case or my profile.
Company Response:
State: TN
Zip: 37066
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
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: Around XXXXXXXX XXXX XXXX, I saw a video ad on social media that peaked my interest. I was going into the insurance business and it was a dual funnel system to generate leads for me. I thought, great, if this program works to generate leads for me I dont have to buy any from sketchy vendors, nor chase leads as the program said helps to reduce. I set up a call to learn more. I got on the call XX/XX/2022, the salesman said that I would have a personal mentor who would help me set up the program to generate leads and that I would make {$30000.00} per month. I purchased the program, paying half, {$3900.00}, at the moment and the salesman did not mention when I would have to pay the rest, but that he wanted me to see the program and swore on religious practices that it would be helpful. He also mentioned that if the program was not a good fit, that I could withdraw and receive a refund. AFTER they charged my card, they sent me a docusign, which he said I had to sign, which was the terms of service. Out of good faith, I signed. I got access to the program. I then saw that they were all modules, it was a classNOT a program that would generate leads for me. I had to do it all. I was deceived into making a purchase for a service to generate leads for me. The sale was over the phone in which no payment plan details were given nor was a receipt stating what it was I was actually purchasing and I paid half of it in the moment. I started the program I purchased, and it was not as agreed or described by the salesman. I used my Apple Card. I requested to cancel with the merchant the following week, given that the salesman on the phone said I could if the purchase didnt fit my needs. I talked to the salesman on the phone, he said he would talk to his higher ups but that he wanted me to really give it a chance. He also said that I would not be charged for the other half of the price until we came to a resolution. He never got back to me, the following month I was charged the second half, and then began the dispute with Apple Card. The dispute has now ended a few times not in my favor. Multiple times I have submitted emails showing that the merchant stopped responding to me on multiple different occasions. Goldman Sachs/Apple Card is not even looking at my evidence nor considering it. I do not feel heard at all by Goldman Sachs/Apple Card with my dispute.
Company Response:
State: FL
Zip: 32811
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Seems all banks practicing the Same practice of XXXX XXXX XXXXXXXX Credit card customers who were promised rewards points and cash bonuses and failed to provide the promised rewards. Goldman Sachs the servicer of Apple Credit Card is no exception, 1st Apple Credit Card sent me an invitation to a joint card holder and they will give {$100.00} we completed the requirement and we were eligible to get the {$100.00} bonus, it took many calls and trouble tickets to get the reward. again by end of may, I got another invitation to add up to 5 participants ( Authorized users ) and each will get {$50.00}, after spending at least {$50.00} on the new card. I added 4 users, and I been calling and chatting on their app with their agents, I contacted them at least 8 times and they giving me the run around assuming I will give up, After all the fights they gave me the credit for 3 out of 4 and I still did not get the credit for the 4th person which his name XXXX XXXX its not the {$50.00}, its the pattern of misleading customer, its systematic and I am sure its widespread and I was inspired by CFPB XXXX XXXX XXXX. These practices are illegal and undermine customer trust. And he wants to an end to this practices across the banking system
Company Response:
State: TX
Zip: 78665
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Complaint to Marcus by Goldman Sachs : I opened Marcus online saving account on XX/XX/XXXX, deposited {$25000.00} in the account on the same day. On XX/XX/XXXX, I decided to transfer the money out to my external bank which has been confirmed and verified by Marcus. The request was successfully submitted, and then the next day on XX/XX/XXXX, I received a phone call from a Marcus specialist asking to confirm if I was one that initiate this request. I confirmed with him that I was the one that made this action, and the external bank is my personal account as well. My money was reverted back to Marcus the next day with no email or text notice. On XX/XX/XXXX, I tried logged into Marcus and found out my account was locked. I called Marcus the next two days, on XXXX and XXXX, the specialists were not able to told me why my account was locked after providing all my personal information, and they were not able to send their PIN or code to my cell phone saying they do not have my number on file, even though I registered my one and only phone number with them. Then I was told an AOI form ( Affidavit of Adentity ) will be mailed to me to complete the verification process. I did as what they requested : completed the form with filling in sensitive information like SSN #, driver license #, DOB, Address, etc., got the form notarized, and mailed it back on XX/XX/XXXX. I waited few days and called Marcus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, I was given the same runaround -- I need to give them 3-5 business days to review the form. Up to this date, my account has been locked for over a month, with no explaination on why the account was locked, no access the monthly statement, and have no clue if my money is still under my possesion.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
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: There are multiple accounts on my credit file that were disputed and should be blocked from my credit file. I have followed up with the creditors and they have complied with my dispute, but XXXX, XXXX and XXXX has not removed these accounts, hence this complaint. Please forward this complaint to each Bureau along with a demand for them to honor my demand to block information from my file.
Company Response:
State: MS
Zip: 38671
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Dear CFPB, I have Apple Credit Card which is managed by Goldman Sachs. This year, several times I sent payment for my balance due, well before the due date. My Bank confirmed that check was sent several days before due date. For no reason, I was charged almost {$330.00} in fees this year. As an example I have attached payment that was sent and was delivered to Goldman on XX/XX/XXXX. Today is XX/XX/XXXX, they still have not processed my check. AND, they have been charging me unfair fees! Shouldn't they fix their process? This probably true for millions of accounts. All these fees are not fair. If payment was delivered before or on due date, then there should be no charge.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My online-only Marcus savings account has been frozen for more than XXXX months ( since XXXX or XX/XX/2023 ) for unspecified reasons. I have been on XXXX lengthy telephone calls with customer service and another unidentified " department '' to try to address their concerns without success. I have answered all of their KYC questions ( name, password, XXXX, XXXX, " secret word, '' drivers license, etc. ). In early XXXX, Marcus requested and received a hard copy, notarized Affidavit of Identification. Still, my account remains frozen and I remain unable to access my funds. Whenever I call customer service, I'm told the unidentified department with whom I must speak is either closed or has a lengthy wait time. Last time, I requested a call-back, which was never received. I am a XXXX XXXX XXXX. During my XXXXXXXX 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 As such, I appreciate and understand the importance of KYC procedures and OFAC requirements. Having satisfied each and every one of Marcus ' requirements, however, I am at a complete loss as to why I remain unable to access my online account. If I depended on these funds to pay bills, I would be destitute by this time. Marcus has acted unreasonably, ostensibly in the name of investor protection. I should be granted immediate access to my funds and compensated for the inconvenience and delay they have caused. Thank you in advance for your assistance.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I submitted a request to transfer {$16000.00} on XX/XX/2023 from my XXXX by Goldman Sachs high yield savings account and the transfer was rejected. I currently live in Florida and am in the process of closing my old checking account ( XXXX XXXX ) and opening a new checking account ( XXXX ) so that I have access to a brick and mortar physical bank. I funded my XXXX XXXX with a majority of funds from XXXX XXXX and some from my new XXXX checking, so both are linked accounts. I requested a transfer to XXXXXXXX XXXX and XXXX said my new XXXX checking account had not been linked long enough and they rejected the transfer. I am in the process of closing on a real estate transaction and will now miss my closing date. XXXX will only allow me to transfer to my old XXXX checking account that I am in the process of closing. Had I already closed my XXXX checking, then I would have zero access to any of my money in the XXXX XXXX until a certain amount of time has gone by ( 3 months is that I was told by one rep ). How can a bank not allow me to access my own hard earned money?
Company Response:
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: I am in need of help because I am being harassed by debt collector who is repeatedly calling me after I told them it was an inconvenient time to call me... But they didn't stop here I have screenshots of them calling at the same time day after making me fell uncomfortable. I looked up this law 15 USC Which is the FDCPA and in section 1692c ( a ) ( 1 ) it says ( at any unusual time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that convenient time for communication with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX postmeridian, Local time at the consumer 's location ; ) Which means that if I told them that it is not a good time they should know that the time they called me was inconvenient they also violated me again under the FDCPA
Company Response:
State: AZ
Zip: 85204
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: The apple credit card processed my payment twice resulting in decreased bank checking account balance. This happened twice in the last 12 months. This is a problem as it reduces my checking account balance making it difficult for me to meet other financial obligations and possibly resulting in unnecessary fees and penalties. I have reported it to the apple card support but nothing seems to be done about it.
Company Response:
State: CA
Zip: 95122
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A