Date Received: 2023-07-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am a client at Marcus by Goldman Sachs. I have been trying to transfer approximately {$7900.00} to my XXXX XXXX XXXX and XXXX XXXX XXXX accounts. On XX/XX/2023, I attempted to transfer all of my funds outside their institution. On XX/XX/XXXX, I was notified that my transfers have been reversed and I will not be able to have access to my money. When I tried to solve this issue online, they told me that I needed to call. So I did. After speaking to their representative, they told me that I would not be able to transfer my funds to another institution for at least 90 days unless it was transferred to the SAME accounts where the funds originally came from ( i.e. back to the bank of origin when the funds were originally transferred to Marcus ). I added those bank accounts again since my partner was the one who made the initial deposits into Goldman Sachs, but I was given pushback yet again. First, they require me to log in to my XXXX XXXX XXXX online ID and give them all my bank account information, but then they rejected the link I was attempting to make, taking all my precious information while they were at it. Then, they prompted me to enter the account and routing numbers manually which I did. When I added XXXX and XXXX, they told me that I needed to wait yet ANOTHER XXXX days to verify the test funds that will be ( hopefully ) deposited into the XXXX XXXX so then I can make the outbound transfers. This is completely unacceptable. They are purposely making it unnecessarily difficult to transfer funds outside of Marcus when they marketed their products as liquid. We keep encountering roadblocks to receiving our money and have been duped into believing that our money was safe and easily accessible. That is not the case. We are requesting a full withdrawal of our funds so we can close our accounts. We do not believe Marcus does business in good faith, and are taking advantage of consumers by not letting them have access to their funds.
Company Response:
State: CA
Zip: 91730
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I entered an agreement with a solar company XXXX XXXX to install solar on my house. It was funded through Green Sky. The work was to be completed in XXXX of 2023 and by end of XXXX at the latest. I already had existing permits and plans to work off of. The company failed to produce any accurate work to what was agreed upon by late XXXX. Green Sky texted me to ask if it was okay to disperse funds, I responded no because none of the agreed upon work had taken place. Green Sky still sent out over XXXX dollars to XXXX XXXX. XXXX XXXX proceeded to obtain and create their own plans, disregarding my existing ones. The plans XXXX XXXX created were inaccurate to what we agreed upon. I contacted XXXX XXXX to let them know about the inaccurate plans and permits. XXXX XXXX sent a text saying they would no longer complete the project and voided the working contract. Green Sky tried to recoup the funds that I told them not to send out but left me with {$1500.00} in a balance. I asked Green Sky to request full refund since XXXX XXXX broke the contract and provided no work. Green Sky said the XXXX solar kept the funds because of 12 hours worked on the project. In conclusion, Green Sky sent out unauthorized funds from my account. Refused to refund the money and is expecting me to pay out money back to them for funds I asked not to be dispersed.
Company Response:
State: CO
Zip: 80207
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I deposited approximately XXXX into the savings account during the first few weeks of XX/XX/2023. Upon attempting to withdraw XXXX during the last week of XXXX the bank froze my account. I contacted them over the phone. The bank asked me to verify information via USPS which I did. After receiving the documents they said I would have access to my funds within 7-10 business days. They have a very difficult system for taking calls which causes extremely long wait and transfers. I have since contacted them over XXXX times and each time I am given very little information about where my funds are or why my account was frozen. Its almost as if they are purposely wasting time to delay return of funds. After many calls I was told my account would be force closed for fraud although no exact explanation for this was given. And that my funds would be returned to the original funding source again ( for the XXXX time ) within XXXX business days. I asked the representative exactly what day that would be. The representative who claimed to be a Supervisor stated that would be XX/XX/XXXX XXXX I called the bank on XX/XX/2023 and after many transfers and holds I was asked to allow another XXXX business days to let them research my account. On XX/XX/2023 I called again and was told my funds had gone to Unclaimed Property and the account would need to be reopened in order for my funds to be returned and this would take another XXXX business days. I informed the bank I would report them to the FDIC they took the report number. The FDIC asked me to contact Federal Reserve the XXXX asked me to report to you.
Company Response:
State: KS
Zip: 66102
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Marcus by Goldman Sachs has blocked my external transfer request from my savings account, locked my account so I can't access my account online, and has failed on multiple occasions to properly resolve via their contact methods being phone calls to their savings team. They've provided no actual notification that my account was being locked ( no mail, email, or phone notification ) and finally informed me that they force closed my account and that I have to contact them again in the future or status and to request my funds. Monday, XX/XX/2023 : I placed three external transfer requests. I had XXXX savings accounts with XXXX, and have been a customer for years. Two of the three transfers completed successfully to my local bank, and to an external account that was verified and validated via my online account on XXXX. The third, and largest of the transfers ( over {$6000.00} ) was blocked even though I received email notifications that it was processing. Tuesday, XX/XX/2023 : I tried to login to my online XXXX account to check on the status of the third transfer. I was notified while trying to login that my account was temporarily locked and I needed to call their savings customer support. I called and spoke with an agent after XXXX CT who verified my account and identity and said they needed to transfer me to a specialist to get my online account access back. They placed me on hold multiple times, then said a specialist would call me back in XXXX minutes. Hours went by, no call. Nobody from XXXX reached out to me. Wednesday, XX/XX/2023 : I contacted my local bank where I was transferring the money to and spoke with a banker. I asked if they could see any incoming transfers but unfortunately informed me that they would be able to see it when I could see it. Dead end. Nothing they could do to help me to try to get my money from XXXX or confirm if the actual transfer was still processing. Thursday, XX/XX/2023 : I tried to access my online account on XXXX via desktop computer and mobile device ( XXXX ). Still locked out of my account. I again called customer support for their savings ( the number they directed me to call ) and was again connected with an agent. After verifying my identity and account, they transferred me to a specialist. This time the specialist talked with me and informed me that XXXX was force closing my account with no reason provided. Any open transfer requests would be blocked, and I can not get access back to my online account. The specialist couldn't confirm how much money was in my account ( even though I know the exact amount that they owe me ). They suggested I call back in XXXX business days to check status of my account closure and to verbally verify my address for them to issue a check to me for the money they owe me from my savings account. I am sitting in limbo with over {$6000.00} of mine sitting at Marcus by Goldman Sachs that they've blocked me from withdrawing and even preventing me from viewing my online account to confirm they haven't sent my money elsewhere. The agents and specialists on the phone continue to place me on hold, transfer me to someone else who has no information, or suggest they will call me back when they do not fulfill that promise. They can not confirm how much money is in my account, can't provide me access back to my online account, can't confirm why my account was temporarily blocked or now being forced closed, and they've provided no actual communication via email, mail, phone or otherwise to notify me of any of this activity. They've been an incredibly easy company to deposit money and paychecks into and gain a competitive savings rate but it feels highly suspicious and almost intentional to create methods to prevent me from withdrawing my money from my savings accounts with them.
Company Response:
State: MN
Zip: 551XX
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a transaction on XX/XX/XXXX with XXXX, which is still showing a pending/authorization of {$10.00}. Goldman Sachs/Apple card did NOT void out this transaction after 30 days since it was NOT captured/posted by the vendor XXXX This is an error on the system for apple card, but the card company refuses to make adjustment to my card. I have called 5 times and used their online chat 3 times. I have also asked to escalate my issue for technical help. My card is showing a balance that I can not pay because it is " pending '', which will carry over as a statement balance at the end of XXXX to XXXX. This will affect my credit score. If Apple card would just " void '' this pending transaction, my balance would be {$0.00}. There would be NO money owed and I would not have a balance carried. I am negatively impacted because of improper software and CS help from Apple card.
Company Response:
State: NV
Zip: 89521
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: The bank closed my account without my permission!! I needed the funds and had set up electronic transfers. My bank account needs to be reopened. I also asked 24 months of statements on my account, and never was provided.
Company Response:
State: PA
Zip: 19403
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: The bank closed my account without my permission!! I needed the funds and had set up electronic transfers. My bank account needs to be reopened. I also asked 24 months of statements on my account, and never was provided.
Company Response:
State: PA
Zip: 19403
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I had an Apple Card balance {$530.00} in XX/XX/XXXX. On XX/XX/XXXX, my father XXXX XXXX XXXX XXXX XXXX XXXX his XXXX checking account ending # XXXX to pay off the balance. Apple Card is issued by XXXX XXXX. On XX/XX/XXXX, the AutoPay charged me again from my XXXX checking account ending # XXXX for the same {$530.00}. I called Apple to refund the duplicated amount from my checking account, I was told to go to my bank to set up a dispute to recover account, they could not refund directly, since it was an autopay. I followed the instruction, and I recovered the duplicated {$530.00}. After that, I got Apple email on XX/XX/XXXX saying that I owe {$530.00} plus interest, which is XXXX. It has been showing in my Apple Card message until now. Since then, I contacted Apple Card through phone calls and Chat many times. I was confirmed that they did see the {$530.00} payment history, and would resolve the issue. They also told me that I would get an email, so I can submit documents with explanations.. I never got any emails to allow me to submit written explanations. I got 4 managements calling me, I had t o repeat the same explanations over and over again, but none of them resolved the issue. I was also told to use Apple Chat, and I did. The XXXX one told me to expect an email to explain ( XX/XX/XXXX ), it never happened. The XXXX one said the {$530.00} actually went to my previously closed account, asking if I was willing to transfer to the currently active account ( XX/XX/XXXX ). Then the line got cut off, she never called me back. The XXXX XXXX told me to do Apple Chat ( XX/XX/XXXX ), I told her that I already did, and I was promised an email ( XX/XX/XXXX ), I got no email. The XXXX one asked me to call Customer Service, and suggested the I paid the minimum {$25.00} ( XX/XX/XXXX ). I finally learned after about 1 month that I would not be able to resolve this issue by myself with Apple Card, and currently I still see my Apple Card being " restricted '' with {$540.00} balance. Apple Card did not reject the payment from my closed card, after they knew it, and they would not transfer it to my active account to resolve the issue, even if I already authorized it. All the phone calls were recorded, and XXXX history is still there. With the next charge cycle coming, I would like to request to transfer to close my balance, and waived the interest charge. They would not allow me the chance to submit the documents with explanation thru emails, as I am doing now, I have to resort to you. And the default history will hurt my XXXX XXXX. Thank you very much. XXXX XXXX
Company Response:
State: CA
Zip: 94122
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
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 filed a Dispute with Apple multiple times for might return flight to the U.S. from XXXX XXXX. The flight changes involved my first flight from XXXX to XXXX, which was originally scheduled for XXXX XXXX, and my second flight from XXXX to XXXX XXXX, initially scheduled for XXXX XXXX to XXXX XXXX. These changes created a significant conflict for me. When I reached out to XXXX XXXX employees at the airport, they informed me that I could cancel my flight by calling a specific number. However, when I called the number provided, I didn't receive a confirmation, but the representative assured me that I would receive a refund within 5 days. It's important to note that I made this call on the same day as my scheduled flight. This situation not only affected me but also impacted several other passengers. I spoke to 10 other individuals who were suffering from the same last-minute flight changes. Unfortunately, this is not the first time XXXX XXXX has made such changes, and it reflects poorly on their service. I also shared these screenshots with two members from Apple, as I sought assistance with the matter. This issue is of utmost seriousness, and I am deeply disappointed that the matter hasn't been thoroughly investigated despite the obvious evidence. During my last dispute with Apple, I informed them that I had spoken with the airline, XXXX, regarding the issue. The airline had taken my bank information, promising to process a refund. However, despite their assurance, I never received the refund from XXXX. In an effort to resolve this matter, I provided Apple with all the necessary information and screenshots of my conflicted flights. However, despite having this gathered evidence, Apple has said once again that I will be paying the mount of {$200.00} This is the information from my Dispute with Apple Credit Card. Disputed Transaction Dispute case number : XXXX Transaction date : XX/XX/2022 Merchant name : XXXX Disputed amount : {$200.00} Temporary credit : {$200.00}
Company Response:
State: CA
Zip: 90065
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/XXXX XXXX XXXX I applied for a credit card issued by goldman sachs for the XXXX rewards card. During the application process I was asked to do a XXXX time passcode and submit an ID. I got approved for the card and I started to use it right away and make some purchases however on my first attempt I was declined so I called customer service and spoke to XXXX of their representative but then transferred me over to the fraud department. They tried to pull me up in XXXX XXXX and because they can't find any information about me since I did opt out because of an abuse which I also informed them proactively that I am at risk of physical harm, they locked my account and claimed that they couldn't verify my identity even though I did submit ID and perform XXXX time passcode and only for the reason that they couldn't pull me in XXXX XXXX. This act of Goldman Sachs is XXXX because it is well known in financial industry that you can request to opt out with XXXX XXXX for a reason the deem fit like abuse of if you are a well known individual and/or political. Due to me being an ordinary individual, my statement wasn't valued when it comes as to why I am not on XXXX XXXX. And also they didn't value the fact that I am an XXXX XXXX credit card holder which is also issued by Goldman Sachs and uses the same information.
Company Response:
State: CA
Zip: 92656
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A