Date Received: 2023-08-01
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 was referred to a person by my friend, XXXX XXXX, who lives in XXXX, XXXX. The person he referred to me identified me as " XXXX XXXX, '' an employee of XXXX XXXX in California, company file # XXXX. I was told that this person would make my payments and I would only have to pay back 50 % of the total amount to the financial institutions. A few payments were made to my bank accounts and loan accounts such as XXXX, Bank XXXX XXXX, Marcus by Goldman Sachs, XXXX Bank, and XXXX Fit Loan. The payments were made and the total amount was brought to " Paid off ''. I even called the financial institutions to confirm the payments were received and I owed no money. I got the confirmation number and everything I could to keep myself on the safe side. And after that, I made the payments to the XXXX XXXX salesman, XXXX XXXX per his instruction by cashier checks. After a cycle of 15 days, a month, or one and a half months, the payments were reversed from my financial institutions. This is a fraud. The bank shouldn't allow reversing payments after it's been a month or two. This clearly means no one is safe because there is no guarantee of doing any sort of business with the banks if they will just reverse the payments. ( edited )
Company Response:
State: NJ
Zip: 08360
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened a savings account, Savings - XXXX, with Marcus by Goldman Sachs. My account was closed by the institution without notice with a balance of {$1100.00}. The funds still haven't been returned. Please instruct the institution to return the {$1100.00} balance.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/XXXX, I applied for an Apple Card and was immediately denied an extensions of my credit. This is XXXX violations of ECOA/ Regulation B, by denying me and further discouraging me from applying for an extension of my credit. ALSO : CFR 12 1002.2 ( N ) Discriminate against an applicant means to treat an applicant less favorably than other applicants. How can one be expected to act in the manner of another if credit is not granted? It would not be fair to determine my creditworthiness based on an empirical model that does not allow people with lower credit scores the chance to obtain credit as say, people with an XXXX score.
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: XX/XX/XXXX, after completing the rennovations and rehab on a property, my husband turned on the hot water heaters and we smelled gas. I called XXXX, XX/XX/XXXX, and they came out XX/XX/XXXX to check the areas. There were three areas where the gas detector went off. I informed him that this was a duplex, two units, with a gas dryer and hot water heater upstairs, and furnace and hot water heater downstairs. He quickly showed me financial options. I mentioned that the prices were high. He said if I didnt allow them to do the job, they will have to shut off the gas and my tenants will not have gas. He said I needed a whole house piping with hot water heaters. The cost was going to be XXXX. I wasnt approved through Greensky, but they had me sign documents saying the job complete because they want to get paid upfront. XXXX the gas company came out XX/XX/XXXX and said the job was not done completely, and the pipes are not connected to the meter. There was still a gas leak from the dryer which they never checked. I got an invoice for XXXX, but they charged my Greensky XXXX, which is different than the actual work and the work they stated on the permit which is only for small re-piping. They now have 4 appliances running from one meter, which is against regulations and actually is a risk of combustion. Also, I told another technician I didnt want the job done, to allow me to shop around for another quote. He said " well you wont have a dryer for your tenants ''. I said I wanted to shop around. He did something and charged himself XXXX dollars for a job I did not want completed. This account and contract was made under violations against regulations of gas appliances and connection, fraud, adhesion of contract, and price gouging.
Company Response:
State: MN
Zip: 55429
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I scheduled a payment of {$1700.00} to be paid to XXXX XXXX XXXX aka Goldman Sachs ) today XX/XX/23. This payment was authorized by me and is acceptable. However, XXXX XXXX XXXX aka Goldman Sachs XXXX has taken a second UNAUTHORIZED credit card payment from me two hours after receiving the authorized payment of {$1700.00}, in the amount of {$750.00}. I did NOT make nor authorize this second payment of {$750.00}. I have contacted XXXX XXXX several times today to have the unauthorized payment of {$750.00} returned to me and they have refused. I have also requested an investigation as to WHO authorized this second payment as it was NOT me and they refuse to provide this information to me.
Company Response:
State: NV
Zip: 89523
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX improper use of information
Company Response:
State: AL
Zip: 36532
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
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, my Apple Credit Card issued by Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX, was charged {$1500.00} for services rendered by " XXXX XXXX XXXX '' on that date. I notified Apple and Goldman Sachs Bank by telephone call to their disputed transactions numbers that I did not make this charge, that I was not on a XXXX XXXX flight on or anytime close to XX/XX/XXXX, and that the transaction was either an erroneous billing or fraudulent. Goldman Sachs Bank issued a temporary credit to the account and undertook to investigate. Approximately 90 days later I received an email saying that the matter had been investigated and the merchant charge will remain on my account. No information was provided as to the basis for the charge, whether XXXX had provided billing details or whether or how my card number had been used. I protested this result by telephone call to an Apple Card Specialist, who referred me to Goldman Sachs Bank and Goldman Sachs Bank said they would reinvestigate the matter and let me know the outcome within 90 days. Approximately 90 days later ( XX/XX/XXXX ), I received an email from Goldman Sachs Bank saying the transaction dispute had been re-investigated and that " based on our review, the original decision will remain because there is no evidence to substantiate the claim. '' A Dispute Case Number was given as XXXX and the full disputed amount was charged back to my account. The email also stated that I have the right to see " the information we gathered to make this decision '' and " to request a copy, please contact an Apple Card Specialist. " On XX/XX/XXXX, I contacted by telephone an Apple Card Specialist at Goldman Sachs Bank ( XXXX ) and requested the information and she said she does not have it and transferred me to another person ( XXXX XXXX, who said she would mail the XXXX information to me. On XX/XX/XXXX, I spoke by telephone with another Goldman Sachs Bank representative about the status of the expected information, who said they have received no information from XXXX about the charge and she would file an internal complaint and the investigation team may contact me. In the meantime an interim credit to the account would again be issued and the matter would be resolved within 90 days. To date I have received no information from Goldman Sachs Bank supporting this charge by XXXX and no one from Goldman Sachs Bank has contacted me. In sum, this charge appears to be fraudulent and Goldman Sachs Bank does not appear to have any records that support a charge for " wifi services '' aboard a XXXX XXXX flight or any other charge. There is also no evidence that any investigation was in fact made, and I believe the bank simply issued a temporary credit and, at the end of 90 days, the bank reversed it and and reinstated the charge.
Company Response:
State: OR
Zip: 97202
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/2023, I was locked out of my Marcus savings account. It said it was temporarily disabled and to call to have it available again. I called and a supervisor told me my account had been force-closed because of fraudulent activities. They would not specify what exactly after I asked. They said my account would go into review and then be closed with the money refunded back to me. The review would take 7-10 days they said. I called back on XX/XX/2023. I asked for the progress on how my account review was going. The rep said the account had not been reviewed and is still in queue. I asked for an update on when the account would be reviewed and they said 2.5 weeks!! I requested the balance on my account which he told me. I asked for it in writing and he said he could not email but he could snail mail it. It has almost been a month and I have not received anything in writing. I did call two weeks later after that call and asked for an update they said the account is still yet to be reviewed. I asked if there is anything that can be done to get my money back asap and they said wait 7-10 business days for the review. They are holding my money and are not willing to transfer it back into my possession. This is very poor business practice. At the very least they can transfer my money back into the original account from which it came, fraud or not. They are being very vague on this process and very unprofessional on the phone including hanging up after 1hr call or constantly transferring you/putting you on hold to get to a different department.
Company Response:
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: We bought an above ground pool for a merchant who used Greensky Finanacial. The pool has never worked, and my husband and I have replaced every system in the pool except the shell. We have had to replace the filter system, 2 liners... etc. I have contacted Greensky because we want to stop payment on the loan. We are basically paying for 2 pools, and we have only used the pool for XXXX a summer since we got it in 2020. I called to make a compliant at least 5 times with Greensky to help with a resolution. I have only been called back by a so-called specialist once. They are useless and I am pretty sure they are doing nothing to help. It was a {$15000.00} and we have a balance of {$7000.00}. We would like to stop payment on a lemon of a product. Please let consumers know how terrible Greensky is and to not ever use them.
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: My personal information was exposed in 2017 XXXX data breach, which resulted in severe consequences due to identity theft and fraudulent activity on my credit report. In XX/XX/2017, the XXXX data breach exposed my personal information, including but not limited to my name, Social Security number, address, and other sensitive details. Since then, I have been grappling with the distressing consequences of identity theft. Unidentified individuals maliciously misused my stolen information to open an APPLE CARD/GS BANK account without my consent or knowledge.Upon discovering this unauthorized APPLE CARD/GS BANK account on my credit report, resolving the issue proved to be an arduous and time-consuming process. I had to spend a considerable amount of time navigating the complexities of reporting the identity theft financial institutions, and credit bureaus, furthermore in my pursuit to remove the fraudulent account from my credit report, I incurred substantial financial expenses during this dispute process.Throughout this challenging ordeal, I have maintained records of all communications, expenses, and actions taken to rectify the identity theft and remove the fraudulent account from my credit report. Being a victim of identity theft has had a profound impact on my personal and financial well-being. The unauthorized account has caused undue stress, affected my creditworthiness, and disrupted my financial stability. I hope the necessary steps are taken to correct the inaccuracies in my credit report resulting from the fraudulent activity.
Company Response:
State: IL
Zip: 60608
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A