Date Received: 2023-07-24
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I just want to make sure that we are on the same page about these charges on this account in XXXX I had a balance forward of XXXX I have one all but two dispuite on this card with the card being closed since XX/XX/2023 so I have not been able to use it. I reopened and dispuited charges on XX/XX/2023 and want to make sure that Goldman Sachs recived the dispute..my calculation is that I should have a credit balance of {$1000.00} after the last two dispuites have been resolved. I want to make sure I get my money.
Company Response:
State: OH
Zip: 44087
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Hello, At this point this has been a couple years, but I opened up a Saving account with Marcus Savings and I transferred 2 amounts from my XXXX XXXX account and a couple days or week later I called to check on my account. The 2 amounts were around $ XXXX $ XXXX. I was told that my account was closed and the amount was being sent back to XXXXXXXX XXXX I literally never did anything fraudulent or something against the law for you to close my account abruptly. I was literally a brand new client for at least a few weeks at the time so this had to be a mistake. Please allow my account to be reinstated or open another Saving Account. I look forward to hearing from you.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
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: My apple credit card had an available balance of {$1500.00}, I made only one transaction of {$1300.00} in XX/XX/2023. I paid the balance on time with minimum payments. XX/XX/2023, the company took a total balance payment ( {$1000.00} ) unbeknownst to me. I called & let them know I didnt authorize this payment. They replied to me at a later date they gave me a reversal payment to my checking account, that I never received! Yet, they kept the transaction/high balance on my account. This brought my account a negative balance with one transaction & also is effecting my credit score.
Company Response:
State: CA
Zip: 93274
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that not proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Company Response:
State: NV
Zip: 89101
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My Marcus saving account was locked on XX/XX/2023 when I tried to transfer money from Marcus to my XXXX account under my name. I have been using the Marcus saving for XXXX months and have made several transfers to Marcus saving. I have a total of XXXX in the saving account. It is not my responsibility to verify one of my financial institutions- when I link the XXXX account to Marcus or when I transfer money in Marcus, they should have verified my identity. I tried to contact Marcus multiple times during the past one month but until today, I still didn't receive the identify verification letter which is the first step to unlock my account. I made my first phone call to Marcus on XX/XX/2023. They refused to tell me why my account is locked. On XX/XX/2023, I called Marcus, they refused to tell me why my account is locked. They said they would send the affidavit of identity ( the letter to verify my identity ) will be sent out in 5 business days. On XX/XX/2023, I called again, they said the affidavit of identity is pending approval, which may take 1-3 business days. On XX/XX/2023, I called one more time, after letting me wait for 56 minutes in total, they said the letter is waiting the approval of support team, which will take 5 more business days. Today is XX/XX/2023, I still didn't receive the letter to prove my identity. Marcus said they still need 3 more business days to send me the identity verification letter. This is just the very first step to unlock my account, which already takes XXXX month. I want to unlock my account ASAP, get my money back, and close the Marcus account permanently because of the experiences above. I've attached all my contact records with Marcus.
Company Response:
State: CA
Zip: 94085
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Fraudulent charges : Amounts {$1200.00}, {$5000.00}. Date XX/XX/2023. XXXX dispute opened by me with Apple Card XX/XX/2023. XXXX dispute for XXXX closed and reopened XX/XX/2023. XXXX dispute for XXXX still open until XX/XX/2023. My card information was stolen from me via a phone scam. The scam was human engineering by callers who spoofed the Apple Card support phone number. I received a call from scammers impersonating Apple Card support. Claiming there were fraudulent charges on my account, the scammer led me through a series of steps where I shared information about myself and accounts so that the charges could be reversed. This included reading previous charges, my XXXX, expiration date, but not my card number. When I answered the call, The scammers already had some access to my account which I am unaware of how they stole for example, the scammers knew my current account balance and they knew the first XXXX digits of my credit card. On the phone, I gave other information like my XXXX code under the pretense I was verifying my info with XXXX XXXX. The next day, I noticed XXXX fraudulent charges on my account to a merchant named XXXX in the amount of {$1200.00} and {$5000.00}. I reached out to XXXX XXXX. They informed me the previous days callers were not the real XXXX support, and that my personal information had been stolen from me. I opened a fraud dispute. Yesterday, my fraud dispute was denied by Apple Card. Apple Card claims that they got evidence from the merchant that I authorized the charge. However this is false. My information was stolen from me by fraudulent means and the used by another individual without my authorization. There was never any expectation that any charges should me made or any services or goods received, and indeed no goods or services were exchanged. XXXX XXXX claim that this is an authorized charge is not true. I believe I am protected by XXXX XXXX my information was stolen through fraud or force, there was no benefit purported or received ( the scammers claim is to reverse fraud charges ), and the user who made the charge did not have my authorization to make any charges.
Company Response:
State: IL
Zip: 60657
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This company keep reporting this event after CFPB investigate them and they closed the account as paid!! | Charge was for a new roof by XXXX They never finished the job! And forged my and my wife name ( as XXXXGREENSKY knows ) to a completion of work document!
Company Response:
State: MI
Zip: 48220
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX Consumer Reporting Department XXXX XXXX XXXX XXXX, RI XXXX Subject : Dispute and Correction Request for Incorrect Information on My Consumer Report Dear Sir/Madam, I hope this letter finds you well. I am writing to address a serious concern regarding the reporting of inaccurate information on my consumer report by XXXX XXXX. As a loyal customer, I have always valued the services provided by your bank and the importance you place on maintaining the accuracy of customer financial information. Upon reviewing my consumer report, I have identified several discrepancies and errors that have been reported by XXXX XXXX. These inaccuracies have had a significant impact on my creditworthiness and financial reputation. I have attached copies of my consumer report, highlighting the incorrect information, for your reference and review. The following issues require your immediate attention and corrective action : XXXX. Incorrect Account Status : My consumer report indicates that one of my accounts with XXXX XXXX is in default, despite the fact that I have consistently made timely payments and have no outstanding balances. This inaccurate account status has negatively affected my credit score and has created unnecessary financial hardship. XXXX. Erroneous Late Payments : There are several instances on my consumer report where late payments have been reported for accounts that have been consistently paid on time. These erroneous late payment entries have distorted my credit history and have caused substantial harm to my creditworthiness. XXXX. Inaccurate Balance Reporting : The reported balances on my consumer report do not align with the actual balances on my accounts. This discrepancy has led to confusion and misrepresentation of my financial standing, potentially impacting my ability to obtain credit or secure favorable terms. I kindly request that you conduct a thorough investigation into these discrepancies and take immediate action to correct the inaccurate information on my consumer report. It is imperative that XXXX XXXX ensures the accuracy, fairness, and integrity of the information reported to credit reporting agencies. I also request that you provide me with written confirmation once the necessary corrections have been made and the accurate information has been reported to the credit reporting agencies. I understand that errors can occur, but it is essential that XXXX XXXX takes prompt and appropriate measures to rectify these inaccuracies. As a responsible customer, I have a legitimate expectation that the information reported on my consumer report is accurate and reflects my true financial standing. Please be aware that under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute incorrect information on their consumer reports. If the necessary corrections are not made within a reasonable timeframe, I may be compelled to exercise my rights under the FCRA to protect the accuracy of my consumer report. I appreciate your immediate attention to this matter and your commitment to resolving these issues promptly. Should you require any further information or clarification, please do not hesitate to contact me at the phone number or email address provided above. Thank you for your prompt assistance in rectifying this situation and ensuring the accuracy of my consumer report.
Company Response:
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Marcus on line savings account locked and no action by Marcus to clear. Opened acct XX/XX/XXXX. Called 7 times over 3 months to clear lock. Calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. Spoke with supervisors etc. Was told several times that papers would be sent to me via usps. No papers or return calls received, ever.
Company Response:
State: CA
Zip: 92691
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: XXXX by Goldman Sachs froze my account about 14 days ago after I tried to move money to XXXX XXXX. Both my Wife and I have called them about six times and can't get the issue resolved. They say that we need to prove that we are the account holders and we need to get a form notarized. They only send the form vis XXXX. We have requested the form twice. The first time we requested the form was about 10 days ago. My Wife and I both have given our name, address, phone number, DOB, last four of our SSN, and our secret word. They still will not unlock our online account, tell us why our account was locked, or make the transfer.
Company Response:
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A