Date Received: 2020-02-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2020, I tried to make a minimum payment on the Apple Master Card. Since it was my first payment to this new card and the Apple Card website is not well designed, I made a huge payment of {$930.00} which was not my intent. I wanted to pay the minimum this month as I have to take my wife to her doctor and pay cash. The following morning I called the Golden Sachs Apple Card customer service center only to hear from a Supervisor that it was too bad that I made the mistake of paying too much and they refused to put a stop on the payment like other Card banks have done as a courtesy.
Company Response:
State: CA
Zip: 95348
Submitted Via: Web
Date Sent: 2020-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX notified me about a hard inquiry of my credit history made on XX/XX/2019 by Goldman Sachs Bank USA. This hard inquiry was un-authorized.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-29
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: In XX/XX/XXXX I have purchased a computer from XXXX online on the Apple Goldman Sachs Credit card under the promise that I get {$220.00} or 6 % back. I completed the transaction and received the computer. I went to the XXXX XXXX to purchase an XXXX XXXX support. The XXXX Store Manager told me that since I am a business. If a return the laptop and repurchase it then he will not only give an additional discount, but I will keep the {$220.00} received as part of the promotion. I asked him to verify the information, and he called Goldman Sachs as XXXX XXXX EST on XX/XX/2020. Goldman Sachs told the XXXX Advisor that the cash back was mine to keep. I have three affidavit notarized witness statement that were also provided to the FTC, FBI and XXXX Metropolitan Department. I am a victim of fraud here and being forced to pay something I never authorized, agreed upon or charged and it is in accordance with federal law enforcement agencies a crime.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2020-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2020, Goldman Sachs ( Marcus by Goldman Sachs ) emailed a promotional offer to me offering a {$100.00} credit for depositing {$10000.00} in new funds into my existing Marcus Account, and in particular to my Online Savings Account within my Marcus Account. The terms stated that the funds must remain, as well as existing funds at the time of the deposit, for at least 60 days. The specific language was " After enrollment, you must deposit {$10000.00} or more in new funds ( internal transfers wont count ) into a Marcus Online Savings Account within 10 days of enrollment and maintain at least {$10000.00} of those new funds in your account in addition to your account balance at the time of enrollment for 60 consecutive days from the date of reaching the required dollar amount. '' Note the deposit account specifies the online savings account, but the maintain clause simply says " your account ''. I made a qualifying deposit on XXXX XXXX A few days later I made an internal transfer with my Marcus account between the Online Savings Account and another online deposit account. Marcus deemed this transfer to disqualify me from the promotional offer. No funds were removed from my Marcus account, and in fact additional funds were added days later. I contacted Marcus and pointed out that their use of the word account was used by them both to re fer to the sub-account which called the Online Savings Account and to my total deposit account with Marcus, and that the promotion did not specify which usage was meant. I offered the service representative and subsequently her supervisor the opportunity to restore the promotional offer to my account, so that their treatment would comport with a simple English reading of their promotional materials. After consultation with some internal group, each declined to do so and explained to me why I was at fault. I believe the service reps that Goldman Sachs meant the smaller sub-account in their design and execution of the promotion. I also believe, however, that they should be accountable to living up to the simple English reading of their offer. I do not believe that I should lose out because their staff were sloppy in their use of ambiguous language in their offering. Goldman Sachs neither did so in the initial case, nor did they correct the error when I pointed it out to their customer service contacts.
Company Response:
State: CA
Zip: 94941
Submitted Via: Web
Date Sent: 2020-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Early in XXXX I acquired the Apple Card through Goldman Sachs. Subsequently on XX/XX/20 a {$9.00} charge was placed on the card by Apple for a monthly storage fee. This subscription had, up to this point, been charged to a XXXX XXXX card. At no point did I authorize Apple to switch the charge account for the subscription. I called Goldman Sachs to inquire about the charge. I was told I must have approved the transfer of the subscription payments to the Apple Card. I did not do this. Apple and Goldman Sachs are committing UDAAP by switching charging accounts without express permission of the cardholder.
Company Response:
State: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2020-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-29
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: In XX/XX/XXXX, XXXX GOLDMAN SACHS BANK USA completed a credit inquiry. Upon contact Goldman Sachs, I was told they opened a Apple account in my name/social security number. I notified all that I did not open this account, it was fraudulent and was assured by GOLDMAN SACHS BANK USA that it was closed. At this time, I also locked my credit on the 3 services. In XX/XX/XXXX, XXXX notified me that an account was opened via GOLDMAN SACHS BANK USA. I notified all that I did not open this account, it was fraudulent and was again assured by GOLDMAN SACHS BANK USA that it was closed. It did sound like they used the information from the XXXX inquiry to open the account. In XX/XX/XXXX, XXXX notified me of a Delinquent notice on my account by GOLDMAN SACHS BANK USA. Goldman basically said they could not do anything. They did say that since I reported the 2nd fraudulent account in XXXX, it would take until XXXX before the credit bureaus were notified and the delinquent notice should be removed once they were notified.
Company Response:
State: FL
Zip: 33071
Submitted Via: Web
Date Sent: 2020-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-28
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have a apple credit card from Goldman Sachs. In XXXX I made a purchase from Apple.com using this card. In XXXX I returned the products and Apple refunded me in full amount. When I made the purchase, I have 3 % reward cash from the credit card. When I got the refund, Goldman Sachs took back the reward cash. Now I have a balance due on my card, whose amount is exactly the 3 % reward cash. I called the customer service asking why. The representative told me that the balance was the reward cash issued to me and I need to pay it. However, Goldman Sachs already took the reward cash back when I returned the products. They still asked me to pay for it. I made a purchase using the card, then got the reward cash. Several days later I made a return and got the refund. The credit card company took back the reward cash. Now they are asking me to pay for what they already took back. In other words, I made a purchase and then made a return, got nothing, but still need to pay for the reward which they took back. This is definitely not correct.
Company Response:
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2020-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: This is regarding the Goldman Sachs Apple Credit Card. Apple/GS released this card to the public without making it abundantly clear that account activity would not be reported to any credit bureaus. It took them 4-5 months to just report general account info to XXXX. They currently have no plans to include any of the other credit bureaus. They are instructing customer service representatives to tell customers that they may potentially report to the other bureaus in the future but have no plans currently. Any deeper inquiry gets shutdown immediately with clearly canned responses. The entire experience made me very uncomfortable, I probably would not have opened the account if I new this at the point of application, and I am fairly sure it was not included in the account agreement, which they may have updated after the fact. Apple/GS is not following standard industry practices, is being very guarded and unclear with their customers, and has zero plan to fix the issue. I am worried about the popularity of this card - think of younger generations who can do whatever they want with this card without any impact to their overall credit score? This is unacceptable behavior from two very reputable companies, I think it is unfair to consumers and should be addressed immediately, not in the next 3 years. I challenge the CFPB to hold these Goliaths accountable. Thank you for the attention and time to this matter.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2020-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-27
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: On XX/XX/XXXX I found out I was the victim of identity theft. A bank account at XXXX XXXX XXXX was fraudulently opened up under my name and five loan applications were fraudulently applied for under my name. The five lenders were Goldman Sachs, XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I subsequently found out that these five lenders had received my information through the company XXXX XXXX. On XX/XX/XXXX, I called Goldman Sachs ( XXXX ) and alerted them of my identity theft. I called Goldman Sachs because it was the company listed on my XXXX credit report. I was assured that there were no loan applications under my name. Later that day, I received a letter from Marcus by Goldman Sachs stating that a loan had been denied. I called Marcus by Goldman Sachs ( XXXX ) and they confirmed an application had been submitted. I tell them that this application was fraud. I find out that Marcus by Goldman Sachs is the lending division of Goldman Sachs and that they do not share information. I was told I could obtain information on the fraudulent application by sending in a letter stating the request, along with a police report and FTC report. I was told I would receive the documents within 30 days of the request. On XX/XX/XXXX, I mailed a letter to Marcus by Goldman Sachs requesting a copy of all the documents related to the fraudulent loan application. I also mailed a copy of my police report and FTC report. I never received a response. On XX/XX/XXXX, I called again requesting the records. On XX/XX/XXXX, I received a call back stating they could not release the information. On XX/XX/XXXX, I called again requesting the information and inquired why the information could not be released to me. I was told someone would call back in 1-2 days but I never received a call back. It has been two months since my initial request for documents. The Fair Credit Reporting Act ( FCRA ) Section 609 ( e ) states as a victim of identity theft, I have a right to obtain copies of all documents related to the theft of my identity. It states that following a request from an identity theft victim, the business must provide the records within 30 days, free of charge and without a subpoena. These rights are stated numerous times on the Federal Trade Commissions website under identity theft. Here are the links to the FTC website stating these rights : https : //www.identitytheft.gov/know-your-rights https : //www.ftc.gov/news-events/blogs/business-blog/2017/12/identity-theft-show-me-records https : //www.ftc.gov/tips-advice/business-center/guidance/businesses-must-provide-victims-law-enforcement-transaction. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX have all complied with my request for documents on the fraudulent loan applications and bank account XXXX XXXX, Marcus by Goldman Sachs, and XXXX have not complied with my request for documents. Marcus by Goldman Sachs has not complied with the law and have denied my request for records despite multiple tries. Therefore I am filing a complaint with the Consumer Financial Protection Bureau. Being a victim of identity theft has been very frustrating and the time dealing with this has been enormous. It would be easier for me if Marcus by Goldman Sachs complied with my request for documents so I can get fraudulent information connected with my name disputed and corrected and my credit restored.
Company Response:
State: TX
Zip: 78759
Submitted Via: Web
Date Sent: 2020-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received an XXXX credit card in the mail that I didnt apply for. I have called more than 7 times to this company and spoke with the supervisor XXXX on several occasions beginning on XX/XX/XXXX. My last call was made on my birthday XX/XX/XXXX when I discovered this card was being reported to the credit bureaus as late. I requested confirmation in writing that this account was being investigated for fraud and XXXX hung up the call on me. I called back and spoke with XXXX who XXXX also directed to disconnect the call. I have sent a letter from my XXXX XXXX identify theft account and still have not received any reply.
Company Response:
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2020-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A