Date Received: 2021-10-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/XXXX Re : Acct # XXXXXXXXXXXXXXXX To Whom It May Concern : I'm writing to you because I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/XXXX for my Apple Card account. I want you to know that I understand, and have great respect for my financial obligations. Unfortunately, at the time of the incident mentioned above, I had I was never late on this account. You reported to my XXXX that I had a late payment. Please update.. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. In the near future, I am planning on applying for credit card, and it has come to my attention that the missed payment ( s ) on my credit reports could hurt my ability to qualify. Thank you for your consideration. Have a blessed day!
Company Response:
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2021-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-24
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 purchased an Apple XXXX XXXX and financed through the Apple Goldman Sachs card XX/XX/XXXX. The phone was shipped to a diplomatic pouch but rejected due to the battery. I confirmed with Apple that the phone had been received by them and requested a refund. Everything was sent to Goldman who instead of issuing a refund, put in a dispute credit. I was given a provisional adjustment of {$870.00} in XX/XX/XXXX and because I called Apple again to confirm the phone was received, I thought everything was settled. However, the monthly installment payments for someone reason re-initiated without my knowledge in XX/XX/2021. I paid {$36.00} without knowing it but caught the next installment payment in my XX/XX/2021 bill. An attempt to rectify this situation with Apple resulted in a 20+ min phone call with Apple where the call center person could not even figure out how to connect me with Goldman Sachs . This convenient demarcation between Apple the store and Goldman Sachs as the financier means that I will have to go through who knows what to get this resolved. I have screenshots of my phone waiting time, the dispute resolution credit, and the reinstatement of my installment payments. My latest call with Apple, which did not solve the issue, happened on XX/XX/XXXX, at XXXX XXXX EST. I was told someone would call me directly from Goldman Sachs. I did not receive a call to continue to deal with this issue.
Company Response:
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2021-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-23
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Marcus by Goldman Sachs is the holder of a savings account for XXXX XXXX XXXX. This account was set up to Transfer of Death. XXXX died XX/XX/21. I notified Goldman Sachs. They closed, or locked the account where i could not access balance or account number info. I am the Executor of XXXX XXXX XXXX. Because it was XXXX, no estate documents should have been required, but they insisted that these be provided. I filed a Small Estate Affidavit in Probate Court, XXXX County Tennessee. I obtained several certified copies, and sent one to GS. They returned it and said they can not accept one without a " raised seal ''.. I contacted my attorney, who contacted our court clerk. He stated they do not do a " raised seal ; '' Instead each certified copy is stamped and hand signed by the deputy clerk Because they will not accept what the court provided, and the court can not provide me anything else, I am unable to move the funds to the Estate of XXXX XXXX, and therefore can not close the estate.
Company Response:
State: TN
Zip: 37221
Submitted Via: Web
Date Sent: 2021-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I was approved for the Goldman Sachs/Apple credit card on XX/XX/2021 ; however, I have never been able to use the credit card because my " account is under review '' and restricted from spending. I have called the Apple/GS customer service line about 5-6 times and spoken to at least 9 people since to date ( XX/XX/2021 ). No one will tell me the reason my account has been under review ( despite there being no purchases made to be reviewed ) or will allow me to just close the account. I took the typical credit score hit by opening a new line of credit and now I do not have the benefit of using the credit line at all or closing it out. Last thing to note is that this restriction took place before I could even activate the physical card.
Company Response:
State: CT
Zip: 06820
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft GS BANK USA Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 10710
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I have applied for Apple Card by Goldman Sachs multiple times with the same generic decline message each and every time. On my XXXX, XXXX, and XXXX credit files I have placed an initial fraud alert. This alert prompts lenders to call and verify a credit application made in my name, as well as notifies lenders to take extra steps to verify my identity before extending credit. I have this in place to help deter potential identity theft. After each application, I called Apple Card credit customer service XXXX, with the same reason for my call. Nobody from the customer service department or the fraud department could give me any further details pertaining to being unable to verify my identification information. Citing they can not provide such specific details due to privacy reasons. All these representatives direct me to the apple website to learn how the Apple Card application is reviewed as well as the Apple Card requirements at https : //support.apple.com/en-us/HT209218. They instruct me to ensure ( which it obviously does ) that my information on my application matches the information associated with my Apple ID and the information listed on my State ID which I also was asked to upload a front and back photo of. The representatives all then instruct me to simply re-apply since it doesnt affect my credit unless its approved. At this point in each conversation I am clearly frustrated because the representatives just do not read the previous notes left on my file from the representative I spoke to prior to them. After being told they can not provide me any information and to re-read the website for the requirements, I begin to tell each Apple Card representative that the reason my identity can not be verified is because nobody is calling me for the FACTA fraud alert on my credit bureaus as they are instructed to do when I complete a credit application. This is the most troubling part, because not a single representative even knew what a FACTA fraud alert is. So when I question why hasnt anybody contacted me yet to verify my identity, there is no response on their end. Literally silence. They simply can not answer the question. Or they apologize and state that this is their process and this was my outcome. So I proceed to re-explain to a financial institution representative who, by the nature of their job, should be fluent in basic credit terminology that bottom line- the reason my application isnt being approved is because nobody from Goldman Sachs is adhering to the FACTA alert and is just declining my application. But its no problem because I can keep re-applying and it does no harm, right? Wrong. Because now I am being declined for applying too many times. HOW FRUSTRATING! Considering I was only re-applying under instruction from the countless Apple Card representatives I have spoken with. Finally today XXXX/XXXX/2021, I get a knowledgable Fraud department Supervisor named XXXX. When I tell you that as soon as I said the words Fraud Alert he instantly knew what was happening with my application. He was in just as much disbelief as me that not a single representative from his company knew what I was trying to explain. Even more disbelief that nobody that reviews applications for Apple Card Goldman Sachs is following the FACTA protocol by contacting me as instructed by the credit application prompt from the credit bureaus. According to XXXX, he has filed complaints internally with all of his supervisors and clearly notated FACTA ALERT on my notes. At this time, everything feels morally and ethically wrong, and discriminatory. My mind is blown by the fact that I applied so many times and never received a single phone call to verify my identity. Also more troubling is the fact that I am now instantly being declined for applying too many times. These alerts are supposed to be followed, and Goldman Sachs needs to be held accountable for not adhering to FCRA and CFPB fair treatment of consumers. Here are the dates and responses for all of the Apple Card applications I have submitted : XX/XX/2021 Your application was not approved at this time because you have applied a number of times and we can not verify the information you have provided at this time XX/XX/2021 Your application was not approved at this time because you have applied a number of times and we can not verify the information you have provided at this time XX/XX/2021 Your application was not approved at this time because we are unable to verify your identification information XX/XX/2021 Your application was not approved at this time because we are unable to verify your identification information XX/XX/2021 Your application was not approved at this time because we are unable to verify your identification information XX/XX/2021 Your application was not approved at this time because we are unable to verify your identification information
Company Response:
State: IL
Zip: 60560
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
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: XX/XX/21 made a purchase of {$240.00} on XXXX after receiving the items I contacted customer support about not disclosing the item ( XXXX XXXX ) wasnt supported by XXXX on their site until we saw a sticker on the box they said it was supported after communication I offered to send a video of the item not working since it was defective they offered to exchange it however it cost {$220.00} to ship it out to their company in the XXXX Ive tried disputing it with my card company and the first was denied I only wish to dispute {$170.00} of the {$240.00} for the item they know i received defective. I dont think its fair that Im stuck with an item that doesnt work I dont have {$220.00} lying around to ship it back out I dont see why they cant provide a label after acknowledging their item doesnt work. I would greatly appreciate any help I could get with this matter. I wanted to return other items with this order as well confirmation of my return request was XXXX. If its not possible to return I at least want to dispute the defective item.
Company Response:
State: TX
Zip: 76210
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
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 recently reached out to Apple/Goldman Sachs via chat. I reached out regarding a billing error as well as my open ended credit. To further I expressed to them my consumer rights. I have an open end consumer credit plan with Apple/ Goldman Sachs bank . It is expressed that I have an outstanding balance. I am asserting my consumer rights and demanding that Apple/Goldman Sachs balance out the balance each month, credit and/or make adjustments to the account, and send me the balance in check every month. In Title 15 U.S. Code 1602- Definitions and Rules of Construction ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. Per Title 15 U.S Code 1666d. Treatment of credit balances -Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.
Company Response:
State: DC
Zip: 20001
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I paid off the balance of my apple card by goldman sachs in XXXX of 2021 it reported to the bureaus that it was paid in full. This last saturday XX/XX/XXXX they reported that there was a {$9.00} balance ( after the card had been paid in full and account was closed ) causing my credit score to plummet
Company Response:
State: FL
Zip: 32712
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Goldman Sachs has called me 5-6 times in relation to an alleged debt I owe after a credit transaction I made.
Company Response:
State: VA
Zip: 235XX
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A