Date Received: 2023-07-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Company Response:
State: FL
Zip: 34758
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Goldman and Sachs is accepting my payments and not crediting my account so I can use the credit and additional funds I have sent to them. My payments WERE NOT RETURNED SO THEY ACCEPTED THEM. THE FIRST PAYMENT THEY REVERSED AND KEPT THE FUNDS. Failure to honor, and credit the intended account has caused loss injury and harm. An offer of performance was tendered, in good faith as full satisfaction of the claim referenced herein, with the intent of extinguishing any alleged debt, duty, obligation, or liability. It is their duty to honor this instrument, to know, abide by, and operate under the law, 18 USC 8 applies. This Note, credit agreements, bills of exchange and checks are defined as legal tender, or money, by the statutes such as 12 USC 1813 ( 1 ) ( 1 ), UCC 1-201 ( 24 ), 3-104, 8-102 ( 9 ), 9-102 ( 9 ), ( 11 ), ( 12 ) b, ( 49 ), ( 64 ).
Company Response:
State: WA
Zip: 98208
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
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: Goldman Sachs dispute # XXXX Purchased a cruise in XXXX of XXXX with XXXX XXXX XXXX over the telephone. Upon payment verbally on the telephone with XXXX XXXX I was not made aware that the {$500.00} deposit I paid was non-refundable. Only months later did I learn that this cruise was non-refundable. I have disputed this issue several times with the credit card ( Goldman Sachs ) asking them to investigate this issue and require XXXX XXXX to provide evidence that I was in fact informed of the non- refundability of this cruise deposit *at *the *time *of *purchase while on the telephone. Goldman has repeatedly just closed this case finding for the merchant without every requiring XXXX XXXX to provide such evidence. Please assist in ths matter, either require Goldman Sachs to require this evidence from XXXX XXXX or force them to refund my {$500.00} please. Thank You
Company Response:
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I dispuited several charges on this card for merchandise that was purchased but returned to the merchant proper documentation was provided to Apple card showing the merchandise was returned to the merchant. I was told on Thursday XX/XX/XXXX that the dispuites were all ruled in my favor and I would be getting credit for them. I was to recive an e mail from Apple card spport. But never did. The charges are as follows. {$290.00} tracking was sent via e mail to them. I called in again on XX/XX/XXXX and reopened the dispuite. were delivered to the Customer on XX/XX/2023, and the Customer has not provided the Merchant with the returned tracking information. As a result, the Bank reversed the temporary credits. The Bank sent the Customer emails detailing the dispute outcome. The transaction with the Merchant Home Depot in the amount of {$110.00} again tracking provided to Apple card support and as of XX/XX/XXXX was told that this was ruled in my favor. {$340.00}, {$78.00}, {$35.00}, and XXXX I will not pay for merchandise that I returned to the merchant if appleccard refuses to get this matter resolved I will be forced to get a lawyer. This is nonsense they don't know what they are doing. All information was provided to apple card
Company Response:
State: OH
Zip: 44087
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I submitted an online ACH transfer at Marcus by Goldman Sachs Bank of available funds to a linked and verified external account, which Marcus by Goldman Sachs Bank accepted. Then, Marcus by Goldman Sachs Bank called me the next day and told me that they were rejecting my transfer request without any reasonable explanation why. Then, Marcus by Goldman Sachs Bank transferred the funds anyway, but because they told me that they had rejected the transfer, I don't dare attempt to access those funds at the external bank. Based on this experience, I would strongly recommend that no one do business at or with Marcus by Goldman Sachs Bank. I certainly will not be doing so much longer, as soon as I can get my hands on my money.
Company Response:
State: UT
Zip: 84032
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I noticed on my credit report that there are accounts that I do not recognize. The accounts are completely fraudulent and has never belonged to me at all. The accounts are as listed ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I contacted the companies to get an understanding of where the accounts come from and each company stated that I was not found in their database.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/2023 I called Marcus ( Goldman Sachs ) to close my savings account as I was leaving the country. The balance was {$230000.00} I was told it would take up to a few days to transfer the funds to my XXXX account. I called after a few days and was then told it would take up to XXXX working days. I called again on XX/XX/2023 and spoke to a supervisor. I had to repeat the entire process to close the account. I was told it would take up to another XXXX days to close the account, but they would try and expedite it. I was given a case number ( XXXX XXXX XXXX XXXX ). After XXXX days I still had not received the funds. I called Marcus again on XX/XX/2023 and spoke to a supervisor. I was simply told that it would be reviewed and someone would contact me in XXXX to XXXX days. I asked if I could speak to the supervisor 's supervisor and was told it would take XXXX to XXXX days for them to contact me. This has taken so long now that I have already relocated to XXXX and there is a small time window to speak with supervisor due to the time difference. My money is still stuck in the Marcus account and there is no way to physically go into a branch to speak to someone. You can only call and continue to be told to wait a few more days. A simple request to close my account and transfer the funds to my XXXX account has taken XXXX weeks and I seem to be no closer to getting my money. The Marcus web site still says the funds are available to use, but when I try an online transfer I get an error message which tells me to call Marcus.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
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 would like to file complaint against Apple Credit Card. On XX/XX/XXXX, I ordered fans that I'm planning to use as favors for my wedding. The vendor name is XXXX XXXXXXXX XXXX XXXX. XXXX NY XXXX. The amount of the transaction is {$100.00}. Unfortunately, many of the fans have splinters and cracks, some are broken and does not look presentable for my event. I contacted the vendor right away via emails and phone calls but was ignored. As advised with Apple Credit Card representative, I returned the fans using the return address on the package since the vendor would not answer my emails. I disputed this transaction with Apple Credit card XXXX times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) but they sided with the vendor who is uncooperative/unresponsive. I do not have the products anymore, they should charge the vendor not me.
Company Response:
State: CA
Zip: 95020
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: There was a lock on my Apple Card on XX/XX/2023. After using support text with the product, I was informed, " I can see that the account is under review at this time. Occasionally we will put accounts under review for the safety and security of our users. While I can not give an exact time frame for when this review is complete, we will contact you as soon as possible with any updates or if we need additional information. '' Next day there was also a lock on my Apple savings account, which I was told was a system generated lock since the card was locked. On XX/XX/XXXX I had logged a complaint with a supervisor who told me it would take up to XXXX business days for a superior to get back to me with more information. Several attempts both by phone and text support were attempted with a XX/XX/2023 response : " Your account is currently under review. For security purposes we are not provided any information regarding your account review. Once the review has been completed, we will contact you back with further information. If we are unable to reach you, a voicemail with call back information will be left. '' Additionally, " I'm not given information as to why it happened, I do know that the turn around time is based on a case by case basis. '' Days later I was able to have Goldman Sachs unlocked the credit card by answering some simple questions, and was told that there a declined charge and they attempted to contact me even though I verified the charge was correct when notified via the Apple XXXX messaging. I was able now to use the card and since I was told by the savings account XXXX that they could not unlock the savings account until the review by the credit card product was completed, I asked to speak to them to proceed with the unlock. I was notified by the savings account XXXX that there was indeed still a review on my credit card product irrespective of the ability to now use the card without any lock. They informed me that they were not able to unlock the savings account due to that department 's continual review. From the aforementioned complained I filed on XX/XX/2023, today is XX/XX/2023 - XXXX business days later and no communication from Goldman Sachs regarding this matter. I was advised today to file another complaint to the same department which failed to return communication within their promised XXXX business days. I was told by a supervisor in the fraud department for the credit card product that that is the best which they can do to contact any superiors for escalation. Since XX/XX/2023 I am still unable to access funds in my savings account now for over 16 days - and with no recourse to rectify the situation. Any help would be greatly appreciated! Best, XXXX XXXX
Company Response:
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payment in full to this company, and each time I do, they delay my credit for XXXX weeks after an ACH withdrawal. They have my money but I can not use my card for XXXX weeks, and they give no reason for it. This has happened several times. Here is their response. " I reviewed your account, but unfortunately, we are not able to expedite releasing your available credit at this time. You can plan on it being available on XX/XX/2023. ''
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A