Date Received: 2023-06-30
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: In XX/XX/XXXX, I applied and was approved for an Apple Card with {$500.00} limit. In XX/XX/XXXX, I received an increase to {$900.00}. In XX/XX/XXXX, to {$1300.00}. I worked as a XXXX XXXX XXXX since XXXX. My dream was always to have my own center. During the pandemic my husband and I purchased the XXXX XXXX of our dreams using owner finance. Unbeknownst to us, the previous owner was behind substantially with rent and more. All the financial ledgers and documents we received were forgery. To which she adamantly denied. We were in a legally binding contract. We would have to still pay her and lose XXXX XXXX. The alternative was to keep XXXX XXXX, to pay those bills. We had already put a substantial amount down and in payments. Paying her past due bills and our own business bills put a major strain onto us in the business and personally. We were forced to the heartbreakingly close Friday XX/XX/XXXX. During that time, the Apple Card payment was late. With the loss of XXXX XXXX and our life savings also meant a loss of income. I was unemployed and actively seeking employment. At times, like many Americans I used my credit card. XX/XX/XXXX, I had a job. I called my creditors to make payment plans. Apple Card was owed {$1300.00} of a {$1300.00}. I called and spoke to XXXX on XX/XX/XXXX. I was offered a payment plan to get my account back on track. The offer was to pay XXXX XXXX monthly starting XX/XX/XXXX for XXXX months with 0 % interest. I could always pay more but never less. After XXXX months Apple Card would report the payments to the credit bureaus. If the balance was paid down to zero within XXXX months. I would retain the card and receive my account privileges. The card term would start over, 0 % APR for XXXX months. I asked if I could pay a lump sum to which they replied yes. I paid {$22.00} in XXXX and XXXX. XXXX was {$100.00}. XXXX was {$170.00}. XXXX was {$100.00}. XX/XX/XXXX {$890.00}. My account balance showed XXXX balance. XX/XX/XXXX I texted apple regarding my account restoration. An apple Goldman Sams specialist, XXXX said I had a {$40.00} balance. It didnt reflect on my card statements In app. They couldnt explain why I could not see it. It came from payment due on an XXXX XXXX I financed using the Apple Card. I paid apple immediately. XXXX told me my account would be restored after I made The payment. The very next day, XX/XX/XXXX, I texted in. XXXX from Apple Goldman Sachs my account was closed and o would need to reapply. I informed him that isnt was not what I was told. I sent them screenshots of previous conversations they told me I could reapply. They have received all their money. They report to the credit bureaus every month since my account was positive but have not reinstated account as promised. They never closed the account. After searching the web, this scenario is a commonality with the Apple Card and its not right. What they did was wrong and deceptive.
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: XXXX XXXX From : XXXX XXXX XXXX Re : APPLE CARD/GS BANK USA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX My DOBXXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX APPLE CARD/GS BANK USA [ Company address for receipt of direct disputes ] Re : Disputing late fee on credit card that didnt mail bill or apply autopay Dear APPLE CARD/GS BANK USA I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report : You did not mail me a bill My email address gets over 200 messages a day I always select autopay minimum account balance which either was unavailable or not used The Bank Name is different now With an XXXX score this card I apparently used the suggestion that I pay with Apple Card. in the App Store Total of XXXX some dollars late 2 months plunged my score. Your algorithm doesnt look at that as a mistake should have investigated this as an outlier and investigated further before harming me Harm included difficulty in renting an apartment near where I will be receiving XXXX for XXXX XXXXXXXX diagnosed last Tuesday ( XX/XX/XXXX ) To enter the XXXX XXXX XXXX I want I can have had only XXXX XXXX XXXX XXXX before joining. My fourth is today This will put me at XXXX XXXX XXXX unless mitigated with XXXX XXXX You cant open an inquiry with your death being the disputed item Issuer constantly shoved confusing offers in the way of me trying to accomplish my objectives My life expectancy is a month if I dont get treatment started soon and every day of delay causes me to remain at elevated risk due to being restricted from further steroid use until installed I will have to try to control using XXXX of XXXX , and other approved XXXX that may extend my life but will not treat the underlying condition Your infliction of harm to me happened at a bad time and now in addition to researching open trial for XXXX XXXX I am forced to contend with what I see as a totally unfair need to forego best early XXXX I am copying XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I intend to inflict justice onto you so you can explain in a court of law why a XXXX dollar two month late payment to someone utilizing less than 4 % of available credit, paif off home mortgage, and pay all known debts to XXXX at the end of each month to avoid the absurd interest rates youd impose on me for that transgression. My income in XXXX was XXXX in XXXX I own my own company I know nobody personally with a credit rating I had before all this : XXXX That was an excellent rating From now on, I will be evaluating your credit decisions and rate Y Id also note your young bank has ove XXXX CFPB complaints filed Your C ( XXXX XXXX ) XXXX from me could be boosted to XXXX for a XXXX payment to me. XXXX is a score maintained by my algorithms [ have attached a copy of my report with the accounts in question evident. Thank you for your assistance. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( lead on my case } A copy of the credit report I got from the US Government whose clean and easy interface puts yours to shame Ps Have a Nice Day XXXX XXXX From : XXXX XXXX XXXX Re : APPLE CARD/GS BANK USA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX My DOB:XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX APPLE CARD/GS BANK USA [ Company address for receipt of direct disputes ] Re : Disputing late fee on credit card that didnt mail bill or apply autopay Dear APPLE CARD/GS BANK USA I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report : You did not mail me a bill My email address gets over 200 messages a day I always select autopay minimum account balance which either was unavailable or not used The Bank Name is different now With an XXXX score this card I apparently used the suggestion that I pay with Apple Card. in the App Store Total of XXXX some dollars late 2 months plunged my score. Your algorithm doesnt look at that as a mistake should have investigated this as an outlier and investigated further before harming me Harm included difficulty in renting an apartment near where I will be receiving therapy for XXXX XXXX diagnosed last Tuesday ( XX/XX/XXXX ) To enter the XXXX XXXX XXXX I want I can have had onlXXXX XXXX XXXX XXXX XXXX before joining. My fourth is today This will put me at XXXX XXXX XXXXh unless XXXX with XXXX XXXX You cant open an inquiry with your death being the disputed item Issuer constantly shoved confusing offers in the way of me trying to accomplish my objectives My life expectancy is a month if I dont get treatment started soon and every day of delay causes me to remain at elevated risk due to being restricted from further steroid use until installed I will have to try to control using XXXX of XXXX XXXX and other approved XXXXXXXX that may extend my life but will not treat the underlying condition Your infliction of harm to me happened at a bad time and now in addition to researching open trial for XXXX XXXX I am forced to contend with what I see as a totally unfair need to forego best early XXXX I am copying XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I intend to inflict justice onto you so you can explain in a court of law why a XXXX dollar two month late payment to someone utilizing less than 4 % of available credit, paif off home mortgage, and pay all known debts to XXXX at the end of each month to avoid the absurd interest rates youd impose on me for that transgression. My income in XXXX was XXXX in XXXX I own my own company I know nobody personally with a credit rating I had before all this : XXXX That was an excellent rating From now on, I will be evaluating your credit decisions and rate Y Id also note your young bank has ove XXXX CFPB complaints filed Your C ( XXXX XXXX ) XXXX from me could be boosted to XXXX for a XXXX payment to me. XXXX is a score maintained by my algorithms [ have attached a copy of my report with the accounts in question evident. Thank you for your assistance. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( lead on my case } A copy of the credit report I got from the US Government whose clean and easy interface puts yours to shame Ps Have a Nice Day Credit Report Prepared For XXXX XXXX XXXX Personal & confidential Date generated : XXXX XXXX XXXX At a glance XXXX Score XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Fair XXXX Account summary Open accounts8 XXXX XXXX Accounts ever late1 Closed accounts6 Collections0 Average account age12 yrs 1 mo Oldest account22 yrs 4 mos Overall credit usage Chart Chart with 1 data point. 1 % The chart has 1 Y axis displaying values. Data ranges from 1 to 1. 1 % End of interactive chart. Credit used : {$2700.00} Credit limit : {$150000.00} Debt summary Credit card and credit line debt {$2700.00} Self-reported account balance {$0.00} Loan debt {$0.00} Collections debt {$0.00} Total debt {$2700.00} Prepared For XXXX XXXX XXXXDate generated XXXX XXXX XXXX XXXX Personal information Name XXXX XXXX XXXX Also known as - Generational identifier - Year of birth XXXX Addresses XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Employers XXXX XXXXXXXX XXXX XXXX XXXX Personal statements No Statement ( s ) present at this time Prepared For XXXX XXXX XXXXDate generated : XXXX XXXX XXXX Open accounts XXXX Exceptional payment history {$0.00} Balance updated XX/XX/XXXX Account info Account nameXXXX Account numberXXXX Original creditor- Company sold- Account typeCredit card Date openedXXXX XXXX XXXX Open/closedOpen StatusOpen/Never late. Status updatedXXXX XXXXXXXX Balance {$0.00} Balance updatedXXXX XXXX XXXX Credit limit {$15000.00} Credit usage0 % Monthly payment {$0.00} Highest balance {$7500.00} Terms- ResponsibilityIndividual Your statement- Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met Data Unavailable Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Phone number ( XXXX ) XXXX Comments- Prepared For XXXX XXXX XXXXDate generated XXXX XXXX XXXX XXXX XXXX Exceptional payment history {$650.00} Balance updated XX/XX/XXXX Account info Account nameXXXX Account XXXX Original creditor- Company sold- Account typeCredit card Date openedXXXX XXXX, XXXX Open/closedOpen StatusOpen/Never late. Status updatedXXXX XXXXXXXX Balance {$650.00} Balance updatedXXXX XXXX XXXX Credit limit- Credit usage- Monthly payment {$0.00} Highest balance {$9400.00} Terms1 Month ResponsibilityIndividual Your statement- Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met Data Unavailable Contact info Address XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX Comments- Prepared For XXXX XXXX XXXXDate generated : XX/XX/XXXX APPLE CARD/GS BANK USA 2 late payments {$33.00} Balance updated XX/XX/XXXX Account info Account nameAPPLE CARD/GS BANK USA Account numberXXXX Original creditor- Company sold- Account typeCredit card Date openedXXXX XXXX XXXX Open/closedOpen StatusOpen. {$32.00} past due as of XX/XX/XXXX. Status updatedMay XXXX Balance {$33.00} Balance updatedXXXX XXXX XXXX Credit limit {$11000.00} Credit usage0 % Monthly payment {$0.00} Last Payment DateXXXX XXXX XXXX Past due amount {$32.00} Highest balance {$33.00} Terms- ResponsibilityIndividual Your statement- Payment history XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met 30 Past due 30 days 60 Past due 60 days Data Unavailable Contact info AddressXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX Comments- Prepared For XXXX XXXX XXXXDate generated XXXX XXXX XXXX XXXX XXXX XXXX Exceptional payment history {$1.00} Balance updated XX/XX/XXXX Account info Account nameXXXX XXXX Account XXXX Original creditor- Company sold- Account typeCredit Card Date openedXXXX XXXX XXXX Open/closedOpen StatusOpen/Never late. Status updatedXXXX XXXX Balance {$1.00} Balance updatedXXXX XXXX XXXX Credit limit {$20000.00} Credit usage0 % Monthly payment {$1.00} Last Payment DateXXXX XXXX XXXX Highest balance {$3800.00} Terms- ResponsibilityIndividual Your statement- Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met Data Unavailable Contact info Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Comments- Prepared For XXXX XXXX XXXXDate generated XXXX XXXX XXXX XXXX XXXX XXXX Exceptional payment history {$1800.00} Balance updated XX/XX/XXXX Account info Account nameXXXX XXXX Account XXXX Original creditor- Company sold- Account typeCredit Card Date openedXXXX XXXX XXXX Open/closedOpen StatusOpen/Never late. Status updatedXXXX XXXX Balance {$1800.00} Balance updatedXXXX XXXX XXXX Credit limit {$15000.00} Credit usage11 % Monthly payment {$40.00} Last Payment DateXXXX XXXX, XXXX Highest balance {$4000.00} Terms- ResponsibilityIndividual Your statement- Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met Data Unavailable Contact info Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Comments- Prepared For XXXX XXXX XXXXDate generated XXXX XXXX XXXX XXXX XXXX XXXX Exceptional payment history {$0.00} Balance updated XXXX XXXX XXXX Account info Account nameXXXX XXXX Account XXXX Original creditor- Company sold- Account typeCredit Card Date openedXXXX XXXX XXXX Open/closedOpen StatusOpen/Never late. Status updatedXXXX XXXX Balance {$0.00} Balance updatedXXXX XXXX XXXX Credit limit {$5000.00} Credit usage0 % Monthly payment {$0.00} Last Payment DateXXXX XXXX XXXXXXXX Highest balance {$3300.00} Terms- ResponsibilityIndividual Your statement- Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met Data Unavailable Contact info Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Comments- Prepared For XXXX XXXX XXXXDate generated XXXX XXXX XXXX XXXX XXXX XXXX Exceptional payment history {$230.00} Balance updated XX/XX/XXXX Account info Account nameXXXX XXXX Account XXXX Original creditor- Company sold- Account typeCredit Card Date openedXXXX XXXX XXXX Open/closedOpen StatusOpen/Never late. Status updatedXXXX XXXXXXXX Balance {$230.00} Balance updatedXXXX XXXX XXXX Credit limit {$8500.00} Credit usage2 % Monthly payment {$40.00} Last Payment DateXXXX XXXX XXXX Highest balance {$5000.00} Terms- ResponsibilityIndividual Your statement- Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met Data Unavailable Contact info Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Comments- Prepared For XXXX XXXX XXXXDate generated : XX/XX/XXXX XXXXXXXX XXXX Exceptional payment history {$0.00} Balance updated XX/XX/XXXX Account info Account nameXXXX XXXX Account XXXX Original creditor- Company sold- Account typeHome Equity Date openedXXXX XXXX XXXX Open/closedOpen StatusOpen/Never late. Status updatedXXXX XXXXXXXX Balance {$0.00} Balance updatedXXXX XXXX XXXX Credit limit {$75000.00} Credit usage0 % Monthly payment {$0.00} Last Payment DateXXXX XXXX XXXX Highest balance {$10000.00} Terms- ResponsibilityIndividual Your statement- Payment history XXXX XXXX ND XXXX ND XXXX XXXX XXXX XXXX ND XXXX ND XXXX XXXX XXXX ND XXXX ND XXXX ND XXXX / Terms met ND No data for this period Data Unavailable Contact info AddressXXXX XXXX XXXX XXXX XXXX LA XXXX Phone number ( XXXX ) XXXX Comments- Prepared For XXXX XXXX XXXXDate generated XXXX XXXX XXXX XXXX Closed accounts XXXX XXXX XXXXXXXX Exceptional payment history {$0.00} Closed Account info Account nameXXXX XXXX XXXXXXXX Account XXXX Original creditor- Company sold- Account typeCredit Card Date openedXXXX XXXX XXXX Open/closedClosed StatusClosed/Never late. Status updatedXXXX XXXXXXXX Balance {$0.00} Balance updatedXXXX XXXX XXXX Credit limit {$10000.00} Monthly payment- Last Payment DateXXXX XXXX XXXX Highest balance {$10000.00} Terms- ResponsibilityIndividual Your statement- Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met XXXX Closed Data Unavailable Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Comments Account closed at consumer 's request Prepared For XXXX XXXX XXXXDate generated XXXX XXXX XXXX XXXX XXXX XXXX Exceptional payment history Closed Account info Account nameXXXX XXXX Account XXXX Original creditor- Company sold- Account typeCredit card Date openedXXXX XXXX XXXX Open/closedClosed StatusPaid, Closed/Never late. Status updatedXXXX XXXXXXXX Balance- Balance updated- Credit limit {$15000.00} Monthly payment- Last Payment DateXXXX XXXX XXXX Highest balance {$8000.00} Terms- ResponsibilityIndividual Your statement- Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met XXXX Closed Data Unavailable Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX Comments Account closed at credit grantor 's request Prepared For XXXX XXXX XXXXDate generated : XX/XX/XXXX XXXX XXXX Exceptional payment history Closed Account info Account nameXXXX XXXX Account numberXXXX Original creditor- Company sold- Account typeCredit Card Date openedXXXX XXXX XXXX Open/closedClosed StatusPaid, Closed/Never late. Status updatedXXXX XXXX Balance- Balance updated- Credit limit {$24000.00} Monthly payment- Last Payment DateXXXX XXXX XXXX Highest balance {$20000.00} Terms- ResponsibilityIndividual Your statement- Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met XXXX Closed Data Unavailable Contact info Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Comments Account closed at consumer 's request Prepared For XXXX XXXX XXXXDate generated : XXXX XXXX XXXX XXXX XXXX Exceptional payment history Closed Account info Account nameXXXX XXXX Account XXXX Original creditor- Company sold- Account typeHome Equity Date openedXXXX XXXX XXXX Open/closedClosed StatusPaid, Closed/Never late. Status updatedXXXX XXXX Balance- Balance updated- Credit limit {$75000.00} Monthly payment- Last Payment DateXXXX XXXX XXXX Highest balance {$0.00} Terms- ResponsibilityJoint Your statement- Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met XXXX Closed Data Unavailable Contact info AddressXXXX XXXX XXXX XXXX, LA XXXX Phone number ( XXXX ) XXXX Comments- Prepared For XXXXXXXX XXXX XXXXDate generated : XXXX XXXX XXXX XXXX Exceptional payment history Closed Account info Account nameXXXX Account XXXX Original creditor- Company sold- Account typeCredit card Date openedXXXX XXXX XXXX Open/closedClosed StatusPaid, Closed/Never late. Status updatedXXXX XXXXXXXX Balance- Balance updated- Credit limit {$1000.00} Monthly payment- Last Payment DateXXXX XXXX XXXX Highest balance {$120.00} Terms- ResponsibilityIndividual Your statement- Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met XXXX Closed Data Unavailable Contact info Address XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX Comments Account closed at consumer 's request Prepared For XXXXXXXX XXXX XXXXDate generated XXXX XXXX XXXX XXXX XXXX XXXX Exceptional payment history Closed Account info Account nameXXXX XXXX Account XXXX Original creditor- Company sold- Account typeCredit card Date openedXXXX XXXXXXXX, XXXX Open/closedClosed StatusPaid, Closed/Never late. Status updatedXXXX XXXXXXXX Balance- Balance updated- Credit limit {$2500.00} Monthly payment- Last Payment DateXXXX XXXX, XXXX Highest balance {$2200.00} Terms- ResponsibilityIndividual Your statement- Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met XXXX Closed Data Unavailable Contact info Address XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX Comments- Prepared For XXXX XXXX XXXXDate generated : XX/XX/XXXX Collection accounts No collection accounts reported. Prepared For XXXX XXXX XXXXDate generated : XX/XX/XXXX Public records No public records reported. Prepared For XXXX XXXX XXXXDate generated : XXXX XXXX XXXX Inquiries XXXX XXXX Inquired on XXXX XXXX XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX Prepared For XXXX XXXX XXXX generated : XX/XX/XXXX Credit scores XXXX Score XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Your score is below the average score of U.S. consumers, though many lenders will approve loans with this score. What's helping Low revolving credit usage You've limited the use of your available revolving credit. Ratio of your revolving balances to your credit limits : 3 % For XXXX High Achievers, the average ratio of the revolving account balances to credit limits is less than 7 %. XXXX Scores evaluate the total revolving account balances in relation to the total credit limits on those accounts. People who keep their ratio of balances to credit limits low pose less risk to lenders than those with higher ratios. Long credit history You have an established credit history. Your oldest account was opened : 22 Years, 4 Months ago XXXX High Achievers opened their oldest account 25 years ago, on average. Average age of your accounts : 12 Years, 1 Month Most XXXX High Achievers have an average age of accounts of 9 years or more. XXXX Scores measure the age of the oldest account and the average age of all accounts being reported. Generally speaking, having a relatively long credit history and not opening many new accounts is reflective of lower risk. What's hurting Serious delinquency You have a serious delinquency ( 60 days past due or greater ) or derogatory indicator on your credit report. Number of your accounts that were ever 60 days late or worse or have a derogatory indicator : 1 account Virtually no XXXX High Achievers have a 60 days late payment or worse listed on their credit report. The presence of a serious delinquency or derogatory indicator is a highly correlated predictor of future payment risk. People with previous late payments are more likely to pay late in the future. As these items age, they will have less impact on the XXXX Score. Most late payments stay on your report for no more than seven years. Recent missed payment You recently missed a payment or had a derogatory indicator reported on your credit report. Your most recent missed payment happened : 1 Month ago About 98 % of XXXX High Achievers have no missed payments at all. But of those who do, the missed payment happened nearly 4 years ago, on average. The presence of missed or late payments or derogatory indicators on a credit report, including the number of missed payments, how late they were and how recently they occurred, are correlated with future credit risk. Generally speaking, people who consistently pay their bills on time are less risky compared to people with recently missed payments. As missed payments age, they have less impact on a XXXX Score. Lack of recent non-mortgage loan information You have a lack of recent activity from a non-mortgage installment loan. Your credit report shows a {$0.00} balance on your non-mortgage loans ( such as auto or student loans ) or a lack of sufficient recent information about your loans. Having a non-mortgage installment loan with no missed payments and a low balance along with other types of credit demonstrates that a person is able to manage a variety of credit types. Having a 0 % installment loan balance to loan amount ratio is considered slightly more risky than having a low installment loan ratio. Few accounts paid on time You have an insufficient number of accounts that are currently paid as agreed. Number of your accounts currently being paid as agreed : 7 accounts XXXX High Achievers have an average of 6 accounts currently being paid as agreed. The XXXX Score considers the number of accounts showing on time payments. Generally, the higher the number reported the lower the risk. Compared to other people with a similar age of credit history, the number of accounts you have that are currently paid as agreed is low. Prepared For XXXX XXXX XXXX generated : XX/XX/XXXX Disclaimer About your XXXX Score XXXX or other XXXX Scores Your XXXX Score XXXX powered by XXXX XXXX is formulated using the information in your credit file at the time it is requested. Many but not all lenders use XXXX Score XXXX. In addition to the XXXX Score XXXX, we may offer and provide other base or industry-specific XXXX Scores ( such as XXXX Auto Scores and XXXX Bankcard Scores ). The other XXXX Scores made available are calculated from versions of the base and industry-specific XXXX Score models. Base XXXX Scores ( including the XXXX Score XXXX ) range from XXXX to XXXX. Industry-specific XXXX Scores range from XXXX. Higher scores represent a greater likelihood that you'll pay back your debts so you are viewed as being a lower credit risk to lenders. A lower XXXX Score indicates to lenders that you may be a higher credit risk. There are many scoring models used in the marketplace. The type of score used, and its associated risk levels, may vary from lender to lender. But regardless of what scoring model is used, they all have one purpose : to summarize your creditworthiness. Keep in mind that your score is just one factor used in the application process. Other factors, such as your annual salary and length of employment, may also be considered by lenders when you apply for a loan. What this means to you : Credit scoring can help you understand your overall credit rating and help companies better understand how to serve you. Overall benefits of credit scoring have included faster credit approvals, reduction in human error and bias, consistency, and better terms and rates for American consumers through reduced costs and losses for lenders. Your lender or insurer may use a different XXXX Score than XXXX Score XXXX or other base or industry-specific XXXX Scores provided by us, or different scoring models to determine how you score.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I have been attempting to dispute a XXXX transaction wherein the driver changed our destination without our authorization and nearly doubled the cost of the ride. XXXX refuses to meaningfully engage with me, referring me to a XXXX that gave scripted answers, so I filed a transaction dispute ( chargeback ) with Apple Card. This dispute was sat on for nearly XXXX months and rejected with almost no explanation. I re-filed the dispute at the recommendation of Apple Card customer service and had the same outcome almost XXXX months later. They claimed they would provide me with all documentation regarding this case, including XXXX 's reply, but they have never done so. They provide no proof this transaction was authorized at all and will not engage with my sworn statement of events. They only say that evidence supporting the dispute is " insufficient '', except I am never accorded the chance to provide evidence in any meaningful way nor am I allowed to see XXXX 's responses to the dispute. The transaction in question is nearly XXXX months old at this point and in that entire time nobody has provided me with evidence to support their assertion that this transaction was authorized by me or anyone else authorized to use my credit card. This is contrary to industry practice, the Fair Credit Billing Act, and Mastercard 's own policies for chargebacks and dispute resolution.
Company Response:
State: OR
Zip: 97223
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My XXXX card was converted to a Goldman Sachs XXXX, between XXXX and XX/XX/XXXX. I was not concerned as I had XXXX savings accounts with Goldman Sachs and had dealt with them previously. Through my bill pay i made the following payments, and Goldman Sachs accepted them, XX/XX/XXXX - {$20.00} ; XXXX XXXX - {$100.00} ; XXXX XXXX - {$25.00} XX/XX/XXXX - {$25.00} XXXX XXXX {$25.00}, XXXX XXXX {$100.00}, XX/XX/XXXX, XXXX {$25.00} XX/XX/XXXX, XXXX {$250.00}, XX/XX/XXXX, XXXX - {$25.00} XX/XX/XXXX {$25.00}, XX/XX/XXXX, {$25.00} XXXX XXXX {$25.00} Additionally these payments were made by XXXX XXXXXXXX {$29.00} The payments not accounted for in XXXX were more extensive. An example of the issues are on the statement from XX/XX/XXXX to XX/XX/XXXX The following payments were finally credited- XXXX {$50.00}, XXXX {$40.00} ; XX/XX/XXXX {$40.00} ; XX/XX/XXXX - {$20.00} ; XXXX XXXX - {$100.00} ; XXXX XXXX - {$25.00} These payments had sat with Goldman Sachs for months , and while they had refunded the late fees, they stated it would not happen again, The following month it happened again. A couple of days ago, i got another phone call, my payment was late again, only the previous month i had set up autopay from my Goldman Sachs account again. Only this time i was told they had fixed the issue, because I couldn't have XXXX accounts attached for bill pay. I was notified i was not making payments but in reality they did not put the funds on my account. They then charged me late fees, and stopped my card from being used. They notified the credit bureaus I am consistently late and it has adversely affected my credit score. I have spent hours on the phone with the representatives, " managers '', leads all without resolution. Yesterday, a manger XXXX, notified me that the autopay i had set up was removed as the bank account did not exist. The account is a savings account with Goldman Sachs, and they were able to verify it existed when it was set up. She then told me they only pull from checking accounts and this was a XXXX account. I noted they had pulled a XXXX time payment from my XXXX account with a different financial institution in the past without issue. She then said i must have had a XXXX account attached to the account. When i pointed out it did not, she got snarky and informed me I was wrong. I could only make a one time payment from savings attached to checking. I have spent hours and hours on the phone, and no resolution has been offered. Instead i get told i am wrong, and the fees roll in and my credit takes a hit. When I call I get told there are a couple notes, nothing showing all i have had to tolerate in the last XXXX mnths
Company Response:
State: OR
Zip: 97123
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: Filed for bankruptcy in XX/XX/2022. Was granted a complete discharge of debt in XX/XX/2022. Eight months later, a whopping 240 days after the discharge, I am still met with problems with Apple/Goldman Sachs . I originally had a card with them, that has been closed for over a year now. My bankruptcy discharged my debt with them, and the subsequently, the account was closed. After trying on three separate ocassions to rebuild my credit and apply for a new card, they refuse to accept or provide a decision on the application because I have an existing/open account with them. This is extremely predatory and violates discrimination laws. They purposely wont accept my application because my debt was discharged with them, and they are annoyed that they can not harass me about it anymore. I have been working very hard to be responsible with my spending, and attempt to fix my credit. No matter what I do, how long I wait, or who I talk to, Apple/Goldman Sachs says there is nothing they can do, despite Apple employees named XXXX XXXX and XXXX XXXX XXXX who insisted that they would fix the problem, but they havent. This is a never-ending problem that can simply be fixed, which would be to allow my applications for credit to be processed normally ( like everyone else ) but they refuse to let me sign up for another account ever again. Barring me from the application process based on my financial status is a violation of federal law, and I will take immediate legal action, should this not be addressed and solved. Thank you.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Company refuses to close the account. I am NOT CALLING AND WAITING ON HOLD. My time is worth {$10000.00} an hour. CLOSE THE ACCOUNT NOW.
Company Response:
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
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 Apple Credit Card & Apple Installment Sale : I received a {$10000.00} refund from XXXX XXXX University on XX/XX/XXXX. At the time of the refund, I had a {$4000.00} balance on my credit card from previous purchases. {$4000.00} of the refund was applied to my credit card balance. ( I am ok with this ) Separately, I also had two installment purchases from Apple, also through Goldman Sachs. Both installment sales were 12 month 0 % interest. The first installment sale was from XX/XX/XXXX ( XXXX XXXX ) and had a balance of {$420.00} remaining. The second was from a XX/XX/XXXX for a XXXX XXXX and had a balance of {$3200.00} remaining. I spoke with Goldman Sachs on XX/XX/XXXX and requested a full refund and cash return for the {$10000.00}. I was originally told I would receive it. On XX/XX/XXXX, I only received {$1700.00} credit reversal to may account. {$4000.00} was applied to my credit card ( I am not disputing this ) The remainder refund balance has been put on hold and will not be returned to me. I have spoke to Goldman Sachs on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have been told that because I have two installment balances, the excess from my XXXX XXXX University refund will be held for the remainder of the life of the installment sales and will be applied against my installment balances monthly. I have been told that this is in the credit card agreement. regardless if this is in the agreement, this is an unfair business practice! My refund from XXXX University was absolutely unrelated to the installment sales of the both apple products. As well, I used my card to pay XXXX XXXX University. And then promptly paid off the balance on my card from that transaction. I was told 5 times by the Goldman Sachs reps, Supervisors and Manager that they have had several complaints about this practice. I am seeking a refund of {$3700.00} from Goldman, which represents my remainder balance from Goldman Sachs {$10000.00} refund and equals the balance of the XXXX and XXXX XXXX installment balances. the number to reach Goldman Sachs is XXXX
Company Response:
State: MA
Zip: 02043
Submitted Via: Web
Date Sent: 2023-06-30
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: Marcus locked my account because I changed my address information. I have called multiple times and they are very agressive on the phone and are not willing to help finding a solution to check on my identity. I have tried multiple ways and offered even traveling to the XXXX ( Im leaving abroad ). They have denied affidavits, not willing to meet on any way. I have over XXXX in my account ( all my life savings ) and have been going trough a health treatment which I urgently need the money to pay my bills and medical bills too. They have no sense of urgency and as of now I consider they are taking me/my money hostage. Im going to be pursuing legal actions. Its 2023 and with all the technology available they are unable to help. I have moved outside the XXXX but still have an address I receive my mail and that shouldnt be an enormous blocker to verify my identity.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I, as power of attorney, opened an account in the name of my mom who is in XXXX XXXX with XXXX, XXXX XXXX. At the time I was not aware of, nor should I have been aware of, that banks rule that a new account for her can not be opened by myself. The concept was simple. The funds in her XXXX XXXX checking account were paying a fraction of one percent interest and marcus was paying XXXX percent interest which would have generated extra income to pay her medical bills which exceed her income from social security. Easy as pie to open the account, link the accounts, transfer the funds. Then I get an urgent email to contact marcus. I did so and they demanded to speak to XXXX. I clearly explained to the rep that she can't speak a cogent sentence and is in XXXX XXXX. At this point he could have initiated an account closure but maybe he was ignorant of that rule as I was? So they request my power of attorney, sent. The same one used to take over the XXXX XXXX account, sell mom 's house and car, and put her in XXXX XXXX somehow was not good enough for them so they blocked my account access. This was back in XX/XX/XXXX!!!! I file a complaint with CFPB, allegedly the bank regulator of Marcus. Marcus responded on XX/XX/XXXX about how my action of opening the account violated their rules and thus were closing the account and sending the funds to the original funding account and to please close the complaint. Pure and simple they lied to their regulator!!!!!!!! Then, on XX/XX/XXXX I receive an email confirming account closure. It took six weeks to close the account? That is not the problem. The problem is they kept the funds!!!! I repeatedly called their reps until I got one priceless response telling me that the account was indeed closed but the rep has no idea where the funds went!!! She said she would inform her manager who would call me back and of course he never did. Flash forward and I call again. This time I am told that I must call XXXX XXXX bank and they must solve it. I replied that I sent the funds and it is ridiculous to think that XXXX XXXX can simply reach out and take funds from marcus. Nonetheless I did call XXXX XXXX and they assured me that I was correct and the account remained in good standing and suggest that I " file a police report ''. I planned to do that but thought that first I would give marcus one last chance to come clean. Mention of a police report did indeed get their attention and they spent some good time with me discussing the issue including confirming that they had the correct XXXX XXXX account information, which they did. Finally, they figured out what happened, that the funds were allegedly sent to the unclaimed funds dept in my state. Well guess what, I have dealt with them before because my mom 's condition caused her to let funds go dormant and I reclaimed them. A search revealed no such funds and indeed I even received an email reply from them stating the funds were not there. The marcus account number was XXXX and the XXXX XXXX account number is XXXX. This fiasco has dragged on for over six months for no valid reason and the fact that marcus lied to CFPB, their regulator, can not be overstated!!!!! I am going to once again request marcus to do an internal audit and figure out which thief or incompetent worker stole my mom 's funds. It boggles my mind how CFPB, a government agency, can't get legal authorities to investigate this fraudulent or incompetent banking institution. I am aware of actions of retaliation that have been taken against me and I am just a XXXX and goldman sachs is a whale but I still have a few cards left to play. Ignore this at your own peril marcus, of course via legal actions.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
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 ( XXXX ) 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: TX
Zip: 77090
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A