Date Received: 2022-09-15
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: accordance with the Fair Credit Reporting act XXXX Account # apple credit card has violated my rights. 5 U.S.C 1681 section 602 A. States I have the right to privacy. 5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpose
Company Response:
State: IL
Zip: 60124
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
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 disputed a fraudulent charge for {$800.00} and was credited a balance credit on XX/XX/2022. There has been no update whatsoever, and they wont tell me whats going on. Goldman Sachs is the issuer and the card is the Apple Card. The disputed amount was used with the card numbers in the app. I filed a police report and Goldman Sachs has not responded to anything. This is absurd.
Company Response:
State: MI
Zip: 484XX
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: My cash rewards for my Apple Card are getting deposited into an XXXX XXXX account with a negative balance that is due to fraud. I believe this is unfair and deceptive as I have an Apple Card ( credit ) backed by Goldman Sachs but getting rewards are deposited into a into a debit card ( Apple Card ) from XXXX XXXX XXXX stated that my negative XXXX balance is due to a chargeback that I reported as fraud, because it was fraud, I have a police report. XXXX states the resolution can take up to 180 days. Which means every daily cash reward will be deposited into a negative account.
Company Response:
State: MN
Zip: 55408
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: XXXX has frozen XXXX dollars in my account. Called mutiple times to find out why. Funds still frozen
Company Response:
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have an Apple Card through Goldman-Sachs . I keep trying to make a payment, but the system says nothing is due at this time. Ive messaged and called Customer Support several times and they say I have a credit on my account, nothing is due, and the system will update my balance when it resets. Ive also been promised several times my credit will not be affected. The system never resets and Im getting collection emails and reminders on my phone. Ive called ( and done online chat ) MULTIPLE times and nobody can fix the error that Goldman-Sachs reps tell me is their issue. Ive even asked the phone rep to make a payment on my behalf and they cant because of the Goldman-Sachs system . Its been escalated and still no resolution.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
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/2022, XXXX ( XXXX ) charged my card {$540.00}. On the same date mentioned earlier, I contacted the merchant ( by phone ) to cancel the order. ( before shipment ). The merchant confirms the cancelation verbally on the phone. Later, I noticed the abovementioned charge was posted on my credit card. After multiple unsuccessful attempts to contact the merchant, I got the GM Credit Card Company ( Goldman Sachs Bank USA, Financial Institutions ) to request dispute assistance. The financial institution open a dispute case ( Case number : XXXX ) ; however, the dispute is not resolved in my favor. The financial institutions closed the case on XX/XX/2022. On XX/XX/2022, I contacted the financial institution 's customer services to reopen the abovementioned dispute resolution. However, the customer service representative was denied to reopen the case. On XX/XX/2022, I contacted the financial institutions again to find a solution to recover my loss. However, they repeatedly refused to reopen my claim and assist me in recovering my financial damage. Furthermore, I requested a hard copy of the investigation documents and the internal memos ( notes ), but the representative refused to proceed with my request. However, I asked for this information to pursue a legal challenge if the financial institutions refused to reopen my case and assist me in recovering my loss.
Company Response:
State: NY
Zip: 10001
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Have contacted Marcus by Goldman Sachs multiple times using their information XXXX. Contacted them multiple times in XXXX and XXXX of this year, letting them know that i needed to update information, even provided account number etc only to be told that they couldn't not pull up anything and instead put me on hold for over 20 mins and then transferred me another person only to be told my account was being closed. Was given no warning or notice of any kind and they had my personal cell # on file along with business phone #. Also received a letter about a change of address that I do not recall making. Asked if they could verify the other account that it was linked to and they claimed they couldn't verify that despite me letting them know what bank they should have had on file. Was told that the money would be sent back to the original account with in 7-10 days after closing. They did not give me a timeframe/date as to when the account would be closed or when I could expect any of my money returned to other account. Did provide them with a physical address during last call, ( California address ) to send any documentation /letters to.
Company Response:
State: CA
Zip: 92223
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 15 U.S.C 1681 section 602. States that I have a right to privacy 15 U.S.C 1681 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Over the last two weeks, I have tried to access my online savings account using my personal sign-in information. To date, when I sign-in, I am only able to access my credit card information, but can not access my savings account or CDs. Amounts in these accounts are substantial. Upon reaching out by phone, I constantly get niceties but no solution. Yesterday, I was told that someone would call me before XXXX XXXX Eastern time to help resolve this issue, but the phone call never came. Today, I called again and was told that I need to wait up to another two days for a callback. It seems that there is no urgency on their part to correct this issue.
Company Response:
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I, XXXX XXXX, in good faith, according to the Consumer Credit Protection Act was exercising my rights when I came to you to extend my credit by filling out a credit application on XX/XX/2022, the result being I was denied and discriminated against. This action has caused harm to my personal, family and household purposes XXXX ( XXXX ) ( h ). If you, Apple XXXX adhere and abide by the rules of ECOA, you should be aware that you are in violation of federal law pursuant to The Equal Credit Opportunity Act and The Consumer Credit Protection Act for denying me my own credit. Your company has discriminated against me by not extending my credit that I legally have the right to. I have been treated less favorably than other applicants pursuant to XXXX ( XXXX ) ( n ). You should be aware that your reasons for denial and discrimination per ECOA are unlawful and illegal. I am aware that you, Apple XXXX, are liable for failing to comply with federal law. Pursuant to 12 CFR1002.16 ( b ) ( 1 ), it states that any creditor that fails to comply with a requirement imposed by the Act or this part is subject to civil liability for actual and punitive damages in individual or class actions. Pursuant to sections 702 ( g ) and 704 ( b ), ( c ), and ( d ) of the Act, violations of the Act or this part also constitute violations of other Federal laws. Liability for punitive damages can apply only to nongovernmental entities and is limited to {$10000.00} in individual actions and the lesser of {$500000.00} or 1 percent of the creditors net worth in class actions.
Company Response:
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A