Date Received: 2023-07-07
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/23 three ( 3 ) charges to XXXX XXXX posted to my account in the amount of {$1000.00} and I used the card in a way that earns 2 % cash back. Each transaction should have earned {$20.00} in cash back. However, only 2 of the transactions were paid out for. I submitted a complaint to them about it and they sent me some generic email detailing how they were paid, but in their own email, it shows only 2 of them were paid out. I am owed additional cash back and the company is refusing to pay it.
Company Response:
State: UT
Zip: 841XX
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I currently have an Apple Card, issued by Goldman Sachs. I have been an Apple Card holder since its inception, have never been late on payments, and pay my balance in full every month. I received my XXXX statement, with a balance of {$940.00}. I made a payment of {$450.00} onXXXX XXXX. On XXXX XXXX, I made an additional payment of {$480.00}. Because of a glitch in their payment system, my first payment didn't show as processed. I normally receive an immediate notification and email that the payment was received, my card in the Apple XXXX goes white, and the payment button is no longer available. None of these things happened, so I submitted the payment again. The second time I submitted the payment all of the usual things happened ( notification, email, payment button unavailable ). About 15 minutes later I received an email that the first payment processed. So, I paid a total of {$1400.00} for a {$940.00} statement balance. I contacted Goldman Sachs immediately after receiving the email that the additional payment posted and was told that there was nothing they could do at that time, but that she would submit a claim to have it refunded. On XXXX XXXX I received an email stating that they had reviewed my refund request, but they were refusing to refund my {$480.00} overpayment. I called their " customer service '' number to inquire about the email and have never received worse customer service from a credit card company -- they are horrible! This theft by Goldman Sachs is unacceptable and should be illegal, if it isn't.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: A payment was submitted on my Apple Card on XX/XX/23 for {$2000.00} from my XXXX XXXX XXXX XXXX account ending in XXXX. I have used this checking account exclusively throughout the life of my account with XXXX successful transactions. I contacted Apple Card support since the available credit did not update as it normally does. I was told this transaction will reflect on XX/XX/23 and that the payment was on hold. When requesting to speak with a manager I was told they can call me back in 10 days and that the decision would not change. On XX/XX/23 the ACH transaction for {$2000.00} was posted on my XXXX XXXX XXXX XXXX account for my Apple Card. As of XX/XX/23, the available credit has not been adjusted to reflect the credit. When calling Apple Card support on XX/XX/23, I was told by a manager that the Apple Card Customer Agreement allows for 10 days to process payments. However, this information is not found in the Apple Card Customer Agreement, which reads " Electronic Payments If you initiate a one-time payment using a Payment Source Account before XXXXXXXX XXXX ET, we will credit the payment as of that calendar day. Otherwise, we will credit your payment as of the next day. '' Thus, the payment should be applied to the account. Furthermore, it reads " Credit Availability After receiving a payment, we can immediately increase your available credit, or delay increasing the available credit on your Account for a period of time. You can check the status of your available credit by going to your Apple XXXX, accessing XXXX XXXX Apple Pay, online at card.apple.com, or by contacting us. '' Apple Card does not state 10 business days to process payments and to adjust credit limit for available spending.
Company Response:
State: AZ
Zip: 85224
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened an Apple Savings account ( Goldman Sachs, GS ) in XXXX of this year ( XXXX ). I funded it with money from various other savings and checking accounts ( XXXX XXXX XXXX XXXX XXXX XXXX ) I own due to the better interest rate and advertised ease of use offered by GS. I am now trying to access some of those funds by transferring them to my checking account ( XXXX ) but I am being told I can not move those funds. I am told I can only move funds back to were they came from originally, for XXXX days post initial deposit. I no longer use the original savings account ( XXXX ) I used to move most of the funds to GS. Moreover that XXXX account is not " linked '' to my GS savings account so I can not initiate a transfer. This GS savings account was promoted as transparent and easy to use. I planned on using this savings account as an emergency fund, easily accessible and with funds available to me within a reasonable amount of time ( XXXX business days ). I spoke with customer support today ( XX/XX/XXXX ) who told me that I would have to wait XXXX more weeks to access my funds without other recourse. Asked to speak to a XXXX but I would have to wait another XXXX business days, without resolution in sight. My funds are being held hostage by GS. Moreover I placed the order for transfer on XX/XX/XXXX and lost out on XXXX days of interest while by money was still being held by GS. This ought to be fraudulent and extortion.
Company Response:
State: VA
Zip: 245XX
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: They offered a promotion that if you kept XXXX of new funds in your savings account for a specified period of time they would provide a 1 % bonus ( {$100.00} ). I followed the terms of the promotion by transferring in XXXX and maintaining XXXX in the account for the specified period of time but wasnt credited the bonus. When I inquired about it, they said I had needed to maintain more than XXXX to qualify. That wasnt my understanding of the promotion and the terms did not make that clear.
Company Response:
State: VA
Zip: 20171
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: My phone and wallet were stolen. I found out today someone opened a apple card and used my identity. They refused to close the account, refused to block the account and told me to file with FTC Indentity theft. The also refused to give me the account number ir how much was used on this stolen account. I have never had an apple card never will have an apple card and find this customer service to be the most lacking.
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXXGreensky is currently reporting missed payments on my consumer report which is negatively affecting my life and my ability to obtain new credit. This account has been closed for years and I keep seeing missed payments on this closed account. Please remove this false, erroneous account immediately or please provide me with payment history showing the account was current until the erroneous reported missed payment.
Company Response:
State: TN
Zip: 38128
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am writing to you to dispute some errors I have found on my credit report. I have reviewed my report in detail and have identified several inaccuracies that I would like to clarify. First of all, this account is reporting me twice in my credit report with different names, seriously affecting my credit history. I have also noticed that there are certain errors, considerably affecting my credit report in a negative way. This account is already closed, but I am reporting late payments, which there is an inaccuracy of the dates, so I kindly ask that it be deleted from my history. This account presents inaccuracies in the 3 most important credit reports, giving a report only in XXXX. This account was disputed with your agencies in the past due to a charge that they generated for something that did not correspond to me giving an extremely high amount, which I do not recognize from this account at all. Attached you will find all the information corresponding to this dispute. For this reason, I kindly ask that this account be removed from my history which is found paid and closed. And it's only affecting me. I attach to this letter copies of documents supporting my claim that show that the data on my credit report is inaccurate. I ask that you conduct a full review of my credit report and take the necessary steps to correct the errors identified. I appreciate your attention and I look forward to your response as soon as possible.
Company Response:
State: FL
Zip: 33180
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I've had an online savings account with Marcus by Goldman Sachs for several years. During that period, I changed my address and phone number, although continued to make deposits and receive communications from Marcus via the email address on the account. My balance in XXXX reached {$270000.00} plus, so for the first time I tried to withdraw some funds to stay under the FDIC insurance limit. At that point, Marcus froze my account, and I've been trying for weeks to get resolution. Because my old phone number and mailing address don't work, they seem unable to do anything to clear the lock on my account. ( I now live in XXXX, but their system can't deal with a XXXX phone number, and they won't do it through the email, even thought that's the only way they've every communicated with me, including all their required tax docs and notices ). After hours of dealing with Marcus customer service ( using that term loosely ), I asked that they go ahead and close my account and distribute the funds back to my XXXX and XXXX accounts from which I wired funds. They said they could do that, but have been unable to execute ; they keep telling me to call back in 1-2 business days, and I end up with new people who don't know anything and have to start over. I have reached out to every Marcus resource I can find, but I'm getting nowhere - so they're continuing to hold almost {$300000.00} of my funds and giving me absolutely no solution about how to get it. I'm baffled and shocked that a reputable company is behaving in this manner, and I need assistance in dealing with this short of filing a lawsuit.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: These accounts listed on my FTC report i have no knowledge or recollection of these accounts. They are unauthorized and i demand they be deleted immediately according to the 15 USC 1681 LAW. where it states, ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Company Response:
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A