Date Received: 2024-01-06
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: The Goldman Sachs chat has been having technical issues in receiving regular images, which is what their agents request for dispute evidence. I received these messages from Goldman Sachs when I chatted in on XX/XX/2024 : " We can not complete your request at this time. Try again a little later. Sorry but an error occurred while sending the file. Please try again. We can not complete your request at this time. Try again a little later. Sorry but an error occurred while sending the file. Please try again. Sorry but an error occurred while sending the file. Please try again. We can not complete your request at this time. Try again a little later. ''
Company Response:
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
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: Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Complaint against Apple Card and Goldman Sachs for fraudulent charges and improper credit adjustment To whom it may concern, I am writing to file a complaint against Apple Card and Goldman Sachs for their credit card account management practices, which I believe are fraudulent, deceptive, and unfair. I have been a loyal Apple Card customer since XX/XX/XXXX, and I have always paid my balance in full and on time. However, in XX/XX/XXXX, I noticed several unauthorized charges on my Apple Card statement, totaling {$1200.00}. These charges were made at various online merchants that I have never used or heard of. I immediately contacted Apple Card customer service and disputed the charges. They told me that they would investigate the matter and get back to me within 15 days. They also assured me that I would not be held responsible for the fraudulent charges and that they would temporarily adjust my available credit by the amount of the dispute. I was satisfied with their response and waited for their follow-up. However, after 15 days, I did not receive any update from Apple Card or Goldman Sachs. I called them again and asked about the status of my dispute. They told me that they had resolved the dispute in my favor and that they had removed the fraudulent charges from my account. They also said that they had sent me an email confirmation, which I never received. I asked them to resend the email, but they said they could not do that. I asked them to provide me with a written proof of the dispute resolution, but they said they could not do that either. They told me to check my Apple Wallet app for the details of the dispute. I checked my Apple Wallet app and saw that the fraudulent charges were indeed gone from my statement. However, I also noticed that my available credit was not restored to the original amount. Instead, it was reduced by the amount of the dispute, as if I had spent that money. I called Apple Card customer service again and asked them why they did not adjust my available credit properly. They told me that they had made a mistake and that they would correct it as soon as possible. They apologized for the inconvenience and asked me to be patient. However, after another 15 days, I still did not see any change in my available credit. I called Apple Card customer service again and asked them to fix the problem. They told me that they were still working on it and that they needed more time. They said that they had escalated the issue to their supervisor and that they would contact me when they had a solution. They apologized again and asked me to be patient. However, after another 15 days, I still did not see any change in my available credit. I called Apple Card customer service again and asked them to fix the problem. They told me that they were still working on it and that they needed more time. They said that they had no update on the issue and that they could not give me an estimated date of resolution. They apologized again and asked me to be patient. I am very frustrated and angry with Apple Card and Goldman Sachs for their poor handling of my dispute and their failure to adjust my available credit correctly. I believe that they are using technical means to falsify my account and to withhold my credit without any justification. I think that they are engaging in fraudulent, deceptive, and unfair practices that violate the Consumer Financial Protection Act and the Truth in Lending Act. I have tried to resolve this issue with them multiple times, but they have not been responsive, cooperative, or transparent. I have lost trust and confidence in them and I want to cancel my Apple Card account. Therefore, I am requesting the following actions from the Consumer Financial Protection Bureau : - Investigate Apple Card and Goldman Sachs for their credit card account management practices, especially with respect to the application of refunds, crediting of nonconforming payments, billing error resolution, advertisements, and reporting to credit bureaus. - Order Apple Card and Goldman Sachs to restore my available credit to the original amount before the dispute, plus any interest or fees that I may have incurred due to their error. - Order Apple Card and Goldman Sachs to provide me with a written proof of the dispute resolution and a detailed explanation of how they calculated my available credit adjustment. - Order Apple Card and Goldman Sachs to compensate me for the inconvenience, stress, and damage to my credit score that they have caused me by their negligence and misconduct. - Order Apple Card and Goldman Sachs to cancel my Apple Card account without any penalty or adverse impact on my credit report. - Order Apple Card and Goldman Sachs to cease and desist from engaging in any fraudulent, deceptive, or unfair practices that harm consumers. I have enclosed copies of my Apple Card statements, my dispute correspondence, and my Apple Wallet screenshots as evidence to support my complaint. I hope that the Consumer Financial Protection Bureau will take swift and appropriate action to protect me and other consumers from Apple Card and Goldman Sachs ' abusive and illegal behavior. Thank you for your attention and assistance. Sincerely, XXXX
Company Response:
State: TX
Zip: 78626
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am a US citizen and my cell phone was stolen on XX/XX/XXXX in XXXX, XXXX while on vacation. The thieves hacked into my device and opened an unauthorized credit card with Apple after changing my AppleID and locking me out of my email. The credit card opened was called a XXXX XXXX XXXX through a partnership with Apple and Goldman Sachs. I am extremely angry that Apple and Goldman Sachs would authorize a card in a foreign country with absolutely no verbal verification by me and would run an inquiry with the credit rating agencies. I reported the phone stolen to my cell phone provider on XXXX after it was apparent I would not be able to recover the device. I had marked the phone as lost on XX/XX/XXXX with Apple prior to getting locked out of my AppleID so they should at a minimum have known there was suspicious activity. I did not discover the fraud until XX/XX/XXXX when I noticed an email about the card being shipped. Note that the thieves were able to open the card on XXXX and promptly maxed out the available credit of {$3000.00} instantly despite the card not physically being shipped with all the transactions occurring in a foreign country. I have submitted an Identitytheft.gov report and a police report and am awaiting a decision that will take weeks. Despite the obvious fraud I am concerned that I will unjustly suffer a negative credit event. I am also going to submit to them chat logs I have with XXXX ( my cell phone provider ) indicating the phone as stolen on XX/XX/XXXX as further proof.
Company Response:
State: NJ
Zip: 08820
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I have applied for a credit extension to raise my limit 3 times with Goldman Sachs Bank USA and have unlawfully been denied credit and continue to ignore the laws. Regardless of the of the reasons for being denied? I have the right to the credit and with holding me access to my securities is securities fraud. The bank is violating The Equal Credit Opportunity Act and Consumer Credit Protection Act. The law could not be any more clear. Pursuant to 15 USC 1691a- If you are denied credit it is an adverse action. And it is unlawful for any creditor to discriminate against any applicant for ANY reason including bad credit. It is the banks duty to extend credit. Pursuant to 13 USC 8 & 15 USC 1692b - Consumer has the right to extend credit. Pursuant to 15 USC 1602- I am the original creditor and denying me access to my own credit is fraud. Pursuant to this law I CAN NOT BE DENIED CREDIT. Its my right. Denying me my rights is securities fraud. Pursuant 12 GFR 1002.4 cant deny me credit under ECOA. These laws cant be any more clear. Why am I continuing to argue this nonsense and why is nothing being done about it.. The bank has no authority over these laws. Why are they getting away with it? This illegal activity stops now.. I request for the last time for this Bank to raise my credit limit. Its my right ..Im exercising my right.
Company Response:
State: CA
Zip: 92109
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/, I applied for an Apple Card. I was applying for {$25000.00}. I was denied. The reasons for denial are against the law. 12cfr 1002.6 Notifications. Subsection - specific reasons. Says : ( Official Interpretation ) - 9. Combined ECOA-FCRA disclosures. Disclosing that a credit report was obtained and used in the denial of the application, as FCRA requires, does NOT satisfy the ECOA requirement to disclose specific reasons. Disclosing the key factors that adversely affected the consumers credit score does NOT satisfy the ECOA requirement to disclose specific reasons for denying or taking other adverse action on an application or extension of credit.
Company Response:
State: KS
Zip: 67207
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XXXX XXXX my bank made an electronic payment of the entire amount due. On my XXXX statement, ONCE AGAIN, the payment has not been applied. But late fees and interest have been. MARCUS NEEDS TO SOLVE THEIR PROBLEMS ALREADY! This is not acceptable.
Company Response:
State: CA
Zip: 90278
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states. I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Company Response:
State: IL
Zip: 60559
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XX/XX/XXXX I was scammed and hacked, by individuals impersonating XXXX XXXX ( I received the caller ID for XXXX ), and my identity was stolen. The result was that a Goldman Sachs Apple Card was open using my identity. I filed a police report, as well as a report with the Federal Trade Commission, the IRS and SSA were also informed of the identity theft. I contacted Goldman Sachs Bank on XX/XX/XXXX, and was asked by them to send a police report and the FTC report so they will not make me liable for the fraudulent Apple card account, which I did.. I also sent documentation to XXXX, XXXX and XXXX. Goldman Sachs XXXX days later.is making me liable for the fraudulent account and refuses to provide a letter to remove the hard inquiry in my report. XXXX, XXXX and XXXX are not willing to fix my credit ( eliminate the Goldman Sachs Apple Card and hard inquiry ), after over a month of being alerted to the fraud, and sent all documentation. Today, XX/XX/XXXX, after talking to the credit Bureaus only XXXX XXXX is as far as they are willing to help me with. I have not only been a victim of cyber crime but also of the Institutions I now depend on for help ( Goldman Sachs, XXXX, XXXX, XXXX ). Can't these people understand that it makes no sense for me to open a Goldman Sachs Credit Card a month ago, Spent XXXX dollars on it and then go through all the pain and aggravation which represents to deal with this bank and the credit bureaus to try to fix it?????
Company Response:
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Other features, terms, or problems
Subissue: Credit card company forcing arbitration
Consumer Complaint: There was over XXXX $ worth of unauthorized purchases made for apple services between certain timeframes on my apple card. As soon as i noticed i contacted apple support who tried to issue a refund and then goldman sachs to start a dispute. Apple support informed me that i would be receiving a refund and to close my disputes with goldman. I did so but then a few days later my refunds were denied so apple REQUESTED that I reopen my dispute with goldman to get my money back. I reopened these and most of the charges were winning disputes but today i started to lose disputes and have over XXXX $ in charges now pending on my account. I did not make these purchases and am a XXXX XXXX XXXXXXXX XXXX XXXX If apple card does not refund these I will be in crippling debt.
Company Response:
State: ND
Zip: 58102
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/XXXX, my credit card company alerted me that my autopay had failed due to my savings account being frozen. This was the first time I was made aware that there was a hold on my XXXX online savings account that I have had since XXXX. A phone call to the customer service line was a circus show. After being transferred to the fraud department, I was informed that a transaction on XX/XX/XXXX, a transfer to my external XXXX account, was what caused the hold. The agents over the phone can not tell me the reason for the hold, just that they need to make sure the transaction does not violate the accounts service terms and verify the account with XXXX on a three-way call. After more than XXXX minutes on the phone, the three-way call ended up not happening. Turns out XXXX has a policy to not participate in three-way calls if they did not initiate them, XXXX themselves actually have the exact policy. My only option was to mail in statements of my XXXX account since they do not accept fax, which I did on that same day. Now after almost 3 weeks after the transaction XXXX deemed questionable, I have not received any official communication from XXXX, by mail, email, or phone call, that there was a hold on my account and I need to provide them with documents. My balance of {$8100.00} is frozen and inaccessible to me. I mailed them the documents they requested a week ago and, again, there has been no communication from XXXX. Calls to customer service have yielded no results or resolution.
Company Response:
State: NY
Zip: 10011
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A