Date Received: 2023-07-12
Issue: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: There is 2 different people that has used my social security number and got In trouble in two different states one was in New York and the other Arazona
Company Response:
State: OH
Zip: 45601
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
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: From XX/XX/2023 through XX/XX/2023, unauthorized purchases were made from the account of a minor. The amounts equaled over {$13000.00}. The XXXX phone removed the ask for permission for purchases when my son turned XXXX on XX/XX/XXXX. 2023. This was done without my consent, as prior settings were set to be approved by myself on my adult account. There were no payment methods listed on the minor account. When speaking to the XXXX representative, I was informed that once a person turns XXXX, the setting has to be manually changed back. This was never discussed with me aside from the note of that when a child is XXXX they get a teen account and can make purchases. What is frustrating is that there is no notification of the account being changed to Teen status and is ultimately done without consent of the adult holding the account. The Apple credit card allowed multiple charges over 50 different charges totaling up to {$13000.00} without it signaling any type of suspicious activity nor notifying the adult. The XXXX ID that made the purchases is noted as a XXXX year old and is not listed as an authorized user on the Apple Credit card. The Apple credit card also allowed the charges to exceed the credit charge limit of {$12000.00}. It is disappointing that a card would let another account just use the credit card and not notice that it was a minor and that the account making the purchases did not make any purchases prior to XXXX. One day, there were multiple charges about 10 total for the amount {$220.00}. The only reason it was ever flagged was because it was over the spend limit of {$120000.00}. This setting on XXXX, should not be automatically changed without a parents consent. It should remain a child setting until the parent does the change themselves. My son also is XXXX but has a learning XXXX and receives accommodations through the State of Wisconsin for reading and comprehension and per him, he thought it was free because it did not ask for permission from a parent. XXXX has been okay with communicating but it is a lot of back and forth between XXXX and the credit card, despite the credit card being an Apple Credit card. Something needs to be addressed for this account issue and some safety and security plans in set. To allow a minor to accumulate that many charges and no notification from XXXX or communications regarding concerns. Current communications with XXXX have denies 107 unauthorized purchases. Unfortunately, the app on the phone itself, is based in XXXX which limits the communications with that specific entity. The app is XXXX XXXX XXXX. I did file a complaint with the Wisconsin Department of Agriculture, Trade, and Consumer Protection. I do understand a parent being responsible but as being a parent of a XXXX year old as well, I do make sure I am careful with my phone as I have been an XXXX user since the first XXXX came around. I spoke with XXXX Manager on Thursday, XX/XX/2023 who said all charges were removed and the next day XXXX 2023 the supervisor said the manager there does not know anything about charges and that I owe them money. Currently, they said I need to make payments or pay interest. My son is not an authorized user nor is there any cards attached to his phone. Unfortunately, they can not provide a detailed summary of the charges and only sent me 149 emails of the transactions. I can forward all those emails but like I said that is alot. I appreciate your assistance with this situation.
Company Response:
State: WI
Zip: 53051
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/23, I found out that my XXXX by Goldman Sachs XXXX account was locked, after attempting to transfer money out of XXXX to my account at another bank. Reached out to XXXX customer support, and they informed me that my phone number does not associate with my name ( a false statement, especially after I confirmed it with my XXXX ) and that they can not unlock my account without a signed mailed affidavit. This process alone would take over a month. After researching online, I found that many other XXXX by XXXX customers are experiencing the same difficulties with withdrawing their savings from XXXX. The prevalence of such issues makes me realize that the firm has been intentionally delaying cash withdrawals.
Company Response:
State: NY
Zip: 10036
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Unresolved Identity Theft Incident Resulting in Fraudulent Charges and Credit Report Discrepancies Dear CFPB Agents I hope this message finds you well. I am writing to express my deep concern and frustration over fraudulent activity that has adversely impacted my credit report. A few months ago, I fell victim to an identity theft incident wherein my XXXX login credentials were stolen and subsequently disseminated on dark web markets. This breach led to unauthorized charges on all the cards linked to my Apple XXXX, including a particularly significant fraudulent charge on my Apple Credit Card issued by Goldman Sachs. The account details for the fraudulent charges are as follows : Account Name : APPLE CARD/GS BANK USA Account XXXX : XXXX The total unauthorized charges on this account alone exceeded {$100000.00}. Upon discovering these fraudulent activities, I promptly filed reports with both the local police department and the Federal Trade Commission ( FTC ). Copies of these reports were forwarded to the major credit bureaus XXXX, XXXX, and XXXX as part of my dispute process. Despite my earnest efforts to resolve this issue and numerous disputes submitted, I regret to inform you that these credit bureaus have yet to adequately address my concerns. Not only has their response time significantly exceeded the 30-day period stipulated by law, but I also believe that a thorough investigation into my case has not been carried out. Consequently, the fraudulent Apple card is still unjustly affecting my credit report. Given the severity of this issue, I am now turning to the Consumer Financial Protection Bureau ( CFPB ) in the hope that you can facilitate a proper investigation into this matter. I am keen to get this fraudulent Apple card removed from my credit report promptly to prevent further damage to my financial wellbeing. Thank you for your attention to this pressing issue. I am looking forward to your prompt response and assistance in resolving this matter. Yours sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 91607
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 plan as late for any purpose.
Company Response:
State: TX
Zip: 75241
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Other features, terms, or problems
Subissue: Credit card company forcing arbitration
Consumer Complaint: As mentioned my house burned in XXXX and contacted my lenders. XXXX filed to update my address, this change was done 2-3 times, prevent me from receiving statements ( per law ). I have requested arbitration and looks like XXXX is pushing back. This company only spoke about hardship programs but was unable to apply one when on need. They check marked me 150 days late, when multiple calls were made to correct billing.
Company Response:
State: CT
Zip: 066XX
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am attempting to transfer funds from my Apple savings account ( Goldman Sachs ) to my XXXX XXXX account and my attempted transfers/ withdrawals are being blocked / declined by Goldman Sachs. My hard-earned money is now being held hostage by Apple / Goldman Sachs .
Company Response:
State: FL
Zip: 32256
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2023, Apple Card Goldmans sach added a derogatory mark on my credit report ( XXXX and XXXX ) per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, Goldmans sach has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Company Response:
State: IL
Zip: 60559
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
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: Refer to Case XXXX Pursuant to the Fair Credit Billing Act, ( 15 USC CHAPTER 41, SUBCHAPTER I, Part D ) I have not received the following : 1 ) The transaction number / Order number for the transaction 2 ) Itemization of the items being charged for 3 ) The amount of the items 4 ) Total amount of the order 5 ) Method of delivery, phone number ( s ) and email ( s ) of both transactions Documentation was previously received, however it was not legible. No notice was received by me requesting reply to company response. Based on the above, I kindly request that the complaint be reopened until the above is received. Files were upload to XXXX XXXX
Company Response:
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
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 have provide severall times to apply card documents showing that I returned the merchandise back to the merchant for XXXX purchases and they started that a refund was issued with it never was and for the charge for home depot I told three different people their that home depot canceled my order and still billed me but never shipped the order. I don't know what the problem is but these charges need to be removed I will not pay for merchandise that was sent back to the merchant. What kind of customer service is this?
Company Response:
State: OH
Zip: 44087
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A