Date Received: 2023-07-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I ( XXXX XXXX ) am currently in the middle of buying a property, when my lender ran my credit score I came to know of a non-authorize/fradulent account under my name with GS Bank ( Goldman sachs and co ) I tried calling them XX/XX/XXXX and once again today XX/XX/XXXX gave them all the information possible ( phone number, address, ssn, name and date of birth even account number showing on credit report ) and they/Goldman Sachs were still unable to find the account. They Golsman Sachs did confirmed they will open an investigation.
Company Response:
State: CA
Zip: 93274
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I made a purchase at the Apple XXXX online. They sent my info to a physical store. I went to pick up my computer. The charge was XXXX cents. I was told by the person who signed me up for the card that I can pay in installments, but I was charged the full amount. Apple online/phone store suggested I call and tell Goldman Sachs I wanted to pay in installments. Days later, I notice a charge for {$1700.00}. I learned the {$1700.00} was the subtotal. The XXXX was with tax. Currently these two charges have appeared on my account since XX/XX/2022. Ive been asking them to remove the extra charge over and over again. One manger said it was their mistake. Another manager said I will have to pay. I will not pay for something f I have not purchased, nor have I authorized it.
Company Response:
State: TX
Zip: 77578
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I inadvertently must have used an Apple Card when buying a new XXXX a the Apple store back in XXXX of this year. I thought I used my click to pay feature on my phone using my XXXX XXXX ( which is paid off monthly ), but the phone for some reason chose and Apple Card from my digital wallet. I find out in XXXX that the Apple Card was used and of course I never paid it off b/c I didn't know the charge happened on an Apple Card. My XXXX XXXX every month is $ XXXX $ XXXX, again paid off monthly so I wouldn't have noticed a {$1500.00} phone. I called Goldman Sachs onceI saw on my XXXX report that I had a 30 day late notice. I paid the phone off and asked to close the account. My credit score has always been above a XXXX XXXX, with that mishap I went down to a low XXXX XXXX. I just today XX/XX/23 looked at my credit and I now have a 30 and 60 day past due on the same card. I called customer service and they said it was continued interest. I get 100 's of Emails a day and have never been on the lookout for a bill from Apple Card. All my bills get paid in full monthly on auto draft. I am now down to a XXXX XXXX score and Goldman says they will not do any goodwill reporting to fix my credit. I have had ZERO late payments in 15 year... not I have 3 from this company. I have now put a autopay on the Apple Card so any other rolling interest is handled, but I just want the 3 bad reports to be reversed and for my credit to go back to a XXXX XXXX
Company Response:
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Apple Card from Goldman Sachs is restricted and has XXXX balance and have been this way for over 60 days. No communication from them at all about resolution.
Company Response:
State: AL
Zip: 365XX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have a credit limit of XXXX and XXXX balance right now. On XX/XX/2023 I decided to upgrade my XXXX laptop and I made a purchase through apple.com financing monthly payment option. Everything went through. I decided I wanted to upgrade the specs even more, so I cancelled that order, and tried to place another one. My cancellation went through, but the payment for placing a new order got denied. I kept getting this error. " Thank you for your interest in Apple Card Monthly Installments. Unfortunately, your payment was not approved at this time. Please go to the XXXX app to manage your Apple Card account or chat with an Apple Card Specialist. You can also continue your purchase by selecting a different payment method '' I didn't get a fraudulent prompt or call like I normally would. So I called Goldman Sachs support and used their text services. They said it got flagged for fraud, so they verified my identity, released it and said I can make the purchase. So I try to make the purchase again. Same cycle, this time I had to verify with my driver license and change my XXXX XXXX XXXX. Then same cycle again. I then call support and she says my account is completely clear, review is over. I make the purchase with her on the phone. She says it flagged it again, and now my account is under review again. It's become a vicious cycle. Even the support rep was confused and apologetic that she didn't know what was going on. I was just in a cycle of, make purchase, get denied, account under review. Then when an account is under review, a support agent can't tell you anything or or do anything else. Instead they just say you'll have to wait the 5-7 days for someone to call. No one ever calls. Even then, the same issue keeps happening. I can not use my card. At this time my account is restricted and frozen again.
Company Response:
State: CO
Zip: 80010
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/, I opened an Apple-Goldman Sachs savings acct XXXX using the apple wallet. I transferred money from my apple cash. In the agreement, and even written in big letters on the app, is that the money is available for withdrawal at anytime. However, when I tried to withdrawal funds on XX/XX/XXXX - back to my apple cash it was repeated declined. When I called to inquire, I was told that they money was subject to " transfer delays '' and that these " transfer delays '' may last for up to 90 days. When I asked her to define " transfer delays '' she couldn't. I objected, '' and stated that this was in violation of the contract, and also in violation of what is explicitly written on the app.. the XXXX agent told me that they could always return the money immediately to where it was deposited from. When I said, that is what I was trying to do, she blamed the delay on apple, and would not provide further explanations. In the end, they would not make the funds available as the advertising promised. So I simply initiated a 100 % withdrawal of funds with instruction to wire transfer to my physical bank. Then, several days later, the money was at last deposited into my funds. I told XXXX that I would be reporting this fraudulent activity on their part. As well I told them that this may include joining a class action suit - as it seems that many persons were complaining online of a similar negative experience of GS not allowing withdrawals, despite the clear adverising of " funds available for withdrawal anytime. '' Then, today XX/XX/XXXX, I received an email informing me of an " Update to our Account Terms '' that now has a clause that says " We reserve the right to require you to notify us in writing seven days before a withdrawal is made from your Account. '' It also now says, " We may restrict your access or use of your Account, or close your Account, at any time and for any reason, without notice or consent '' It also now states, " Claims may be submitted to arbitration on an individual basis ONLY. Claims subject to this arbitration provision may NOT be joined or consolidated in arbitration with any Claim of any other person or be arbitrated on a class basis ... '' As well as, the updated account agreement says, " We may use the funds in your Account to cover any : XXXX '' and " You agree that we may respond to any such legal process in our own discretion without regard to jurisdiction. '' And " Regardless of the terms of any legal process, we have first claim to any funds in your Account '' and " We are not required to accept or execute any Apple Cash Transfer instruction. '' It is crystal clear that they could not abide by the original terms of their advertised services that were in place when the account was opened. So they have now gone back and modified them with absolutely unacceptable terms. Account closed.
Company Response:
State: VT
Zip: 056XX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
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: The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33166
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
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: On XX/XX/XXXX my phone was stolen and the person gained access to my ApplePay and used this to make a {$4800.00} purchase on my Apple Card at an Apple Store in XXXX, NJ ( I live in XXXX )- some 50 miles away. When I realized this, I immediately called up to explain the fraud and a case was opened on XX/XX/XXXX. This case was closed on XX/XX/XXXX with merchant claiming I was responsible. When I asked how and for the evidence proving that I made the purchase I was told they could not give it to me over the phone but would mail it to me. I explained that they could look at the security footage and see that it was not me. I also explained that I had purchased a new phone that same day to replace my lost phone. I never received the evidence and continued to call asking about it. I never heard back and again on XX/XX/XXXX the case was closed against me. I immediately called and spoke to a supervisor who reopened the case and claimed they took copious notes explaining the situation. Again, I was told evidence would be sent to me and it wasn't. Again the case was reopened. It was closed on XX/XX/XXXX again against me WITHOUT anyone contacting me or sending me evidence on how they made the decision. I asked them to reopen the case which they than closed on XX/XX/XXXX AGAIN without anything being sent to me. At this point, I got on the phone with another supervisor who looked over the records and indicated this was never opened as a fraud investigation but rather a normal dispute. They re-opened the case as a fraud investigation, they provided me a link to submit my receipt showing I purchased a new phone within a very short time of the XXXX store purchase some 50 miles away - making it impossible for me to be in 2 places at once. On XX/XX/XXXX, they AGAIN closed the case against me.
Company Response:
State: NY
Zip: 10016
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair reporting XXXX account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish and account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: OH
Zip: 45140
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: We have repeatedly contacted Goldman Sacks about the account on our credit report. They have been advised this is a fraud account and it was not opened by myself. We have files with XXXX, we filed a police report, and we have written and mailed copies of all the above to Goldman. They have not removed the fraud account from our credit records. Goldman Sacks does not appear to want to remove this incorrect fraud account they opened without our knowledge or permission
Company Response:
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A