Date Received: 2023-09-07
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Apple credit card/GS have not updated my balance owed. It have been over 30 days and its affecting my credit score. The balance is suppose to update every 30 days.
Company Response:
State: CA
Zip: 95833
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
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 reached out to Apple Card Services, reached out to the merchant and coming to a dead end. {$120.00} was pulled for a free trial. Apple denied because I got the credit but it was only a prevision. Not the merchant. The merchant is extremely not helpful. They keep telling me to contact apple to get the money back and their site clearly states I got 14 days from being charged as a first time customer. This is around day XXXX. To add do this, the annual subscription for premium for this service is gone. So now Im also out regardless of this outcome. Can anyone help return my money? Please and thank you. This is all for the Apple Credit Card
Company Response:
State: IN
Zip: 461XX
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have asked this company to remove my financial information from my consumer reports and they denied it. Because of this, they have defamed my character and caused me damages. I could not purchase a home or get approved for another credit card. I demand that this company complies with federal law because they have violated both my privacy and FCRA laws 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. ( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ) 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Company Response:
State: PA
Zip: 18017
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a Marcus account ( XXXX ) to save money for an Emergency situation due to their high interest rate offer. I called ahead and their agent confirmed on the phone that there are no limits to the amount I can transfer from other banks and the number of transfers. I WAS NOT TOLD THAT THE MONEY HAS TO STAY FOR 90 DAYS NOR HAVE THEY MENTIONED ANY OTHER RESTRICTIONS. I started transferring money to my Marcus account from my personal and business accounts. Once I saved enough money, I called Marcus transfer it out for resolving my Emergency situation. Marcus agent initiated the transfer ( around last week of XXXX ) and later in the day, my account was locked and the transfer was reversed. I was transferred to a specialist who gloated that there's nothing he can do. The agent showed no empathy and borderline disrespectful. I called Marcus later that night and expressed my frustration and the fact that they are dealing with human beings, not account numbers and it's the customers money. The agent acknowledged the mistreatment and asked me to call again the next day. I did. I was told that I need to transfer {$140000.00} to my Chase business account which I immediately did over the phone and they unlocked my account. A day later, I transferred rest of the money to my personal account ( pnc ). Later that day, they locked my account again. Their specialist now says that the correct amount to be transferred to my business account is not {$140000.00} but {$87000.00}. I spent the next hour over the phone to complete the transfer to chase and XXXX. I made multiple calls and multiple request in late XXXX to transfer the {$87000.00} to my Business account which was completed. I asked them to send me the remaining money as a check to my home address. They said that they can wire it instead and it will be faster on XXXX and close my account as I can't take this anymore. I asked them to double check with their specialists/fraud team that they will not cancel this later. They confirmed that it will go through in the next 2-3 business days. I literally cried on the call because of everything that they have done to me and begged them to not cancel this and add all of this to the notes. I broke down in to tears because of what Marcus is doing to me due to my emergency situation and I need my money urgently. I followed up with them on XXXX, XXXX and they said that it's all good. On XXXX after multiple calls, they canceled the wire transaction again! I cried again over the call and after spending hours over the phone with multiple supervisors and specialists and agents, they said that they will send the check and close the account and that it will take another 2-3 business days for me to receive my own money. I have zero confidence that they will deliver on this. I have suffered significant irreversible monetary and emotional damages because of the way Marcus has treated me. They kept calling me multiple times about a {$25.00} good will credit. I don't want their money. It's an insult to all the injuries that they have caused me. Please stop making these calls and please stop brining this up. I feel helpless and Marcus is going to great lengths to punish me. I do not understand why. I beg Marcus to help me close my account and send the entire remaining balance to my home address XXXX XXXX XXXX XXXX XXXX NJ XXXX expeditiously without any delay ( with tracking ) by XX/XX/12. PLEASE STOP LOCKING MY ACCOUNT. I urge Marcus to take this issue seriously. Their teams do not talk to each other and are screwing customers like me. One team member initiates a transaction promising the customer that it will go through and another team member from fraud team will cancel it later. They require all funds to go to the original accounts. I told them repeatedly that it's not possible as I liquidated some of my accounts when I deposited the money and there's no way to send the money back. I explained this to them multiple times for the past few weeks. They acknowledged it multiple times and they keep canceling my transactions. Please warn customer and the general public that Marcus will treat their customers with disdain and will not help in any way shape or form to resolve the issues in a timely manner.
Company Response:
State: NJ
Zip: 07307
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I can not be late on an open end consumer credit plan and I have been marked as late several times by this company. These " late payments '' are in the way of me getting approved for other credit cards and is lowering my credit score. I demand that its corrected pursuant to : 12 CFR 1026.13 - Billing error resolution. ( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan. ( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8. ( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed. ( 4 ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account. ( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor. ( 6 ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence. ( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required. ( b ) Billing error notice. A billing error notice is a written notice from a consumer that : ( 1 ) Is received by a creditor at the address disclosed under 1026.7 ( a ) ( 9 ) or ( b ) ( 9 ), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error ; ( 2 ) Enables the creditor to identify the consumer 's name and account number; and ( 3 ) To the extent possible, indicates the consumer 's belief and the reasons for the belief that a billing error exists, and the type, date, and amount of the error. ( c ) Time for resolution ; general procedures. ( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice. ( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date. ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. ( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. ( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section. ( e ) Procedures if billing error occurred as asserted. If a creditor determines that a billing error occurred as asserted, it shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer. ( f ) Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and ( 3 ) If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable. ( g ) Creditor 's rights and duties after resolution. If a creditor, after complying with all of the requirements of this section, determines that a consumer owes all or part of the disputed amount and related finance or other charges, the creditor : ( 1 ) Shall promptly notify the consumer in writing of the time when payment is due and the portion of the disputed amount and related finance or other charges that the consumer still owes ; ( 2 ) Shall allow any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable, during which the consumer can pay the amount due under paragraph ( g ) ( 1 ) of this section without incurring additional finance or other charges ; ( 3 ) May report an account or amount as delinquent because the amount due under paragraph ( g ) ( 1 ) of this section remains unpaid after the creditor has allowed any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable or 10 days ( whichever is longer ) during which the consumer can pay the amount ; but ( 4 ) May not report that an amount or account is delinquent because the amount due under paragraph ( g ) ( 1 ) of the section remains unpaid, if the creditor receives ( within the time allowed for payment in paragraph ( g ) ( 3 ) of this section ) further written notice from the consumer that any portion of the billing error is still in dispute, unless the creditor also : ( i ) Promptly reports that the amount or account is in dispute ; ( ii ) Mails or delivers to the consumer ( at the same time the report is made ) a written notice of the name and address of each person to whom the creditor makes a report ; and ( iii ) Promptly reports any subsequent resolution of the reported delinquency to all persons to whom the creditor has made a report. ( h ) Reassertion of billing error. A creditor that has fully complied with the requirements of this section has no further responsibilities under this section ( other than as provided in paragraph ( g ) ( 4 ) of this section ) if a consumer reasserts substantially the same billing error. ( i ) Relation to Electronic Fund Transfer Act and Regulation E. A creditor shall comply with the requirements of Regulation E, 12 CFR 1005.11, and 1005.18 ( e ) as applicable, governing error resolution rather than those of paragraphs ( a ), ( b ), ( c ), ( e ), ( f ), and ( h ) of this section if : ( 1 ) Except with respect to a prepaid account as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs under an agreement between the consumer and a financial institution to extend credit when the consumer 's account is overdrawn or to maintain a specified minimum balance in the consumer 's account ; or ( 2 ) With regard to a covered separate credit feature and an asset feature of a prepaid account where both are accessible by a hybrid prepaid-credit card as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs when the hybrid prepaid-credit card accesses both funds in the asset feature of the prepaid account and a credit extension from the credit feature with respect to a particular transaction. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Company Response:
State: NJ
Zip: 07087
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have opened a Marcus Savings Account ( XXXX ) from Goldman Sachs for saving money for a family emergency. I still have {$150000.00} locked in their account and they are refusing let let me withdraw my own money. They have consistently lied to me. One of their frontline teams would take my request to transfer my money out. Their security/fraud team would later cancel the transaction and lock my account consistently. They kept giving me misleading reasons for locking my account contradicting what their previous agents say. They re-used the same transactions that they referred to for locking my account to lock my account again a few days later. I told them repeatedly that I can't move my money back to the original accounts as they don't exist. They refuse to let me withdraw my money and they refused to close my account. They have caused me severe emotional and mental distress by continuing to lock my account and forcing me to call them several times a day and keep verifying my information again and again. My account was locked over 5 times in 2 weeks. My transfer requests were denied more 6 times. Here 's another example of their blatant lies. I made a request to close my account after I couldn't take their harassment anymore ( request # XXXX XXXX ). They promised to close my account and said that they checked with their fraud team that my account would be closed for sure. Few days later, they cancel my request claiming that money has to the original account. As stated earlier, I already cleared with their fraud/security team that I don't have the original accounts opened for the money to go to. After hours of phone calls, transfers, talking to their supervisors, I requested them to close my account and send my money asap ( request # XXXX XXXX ). They again checked with their fraud team, let me know that everything is good, made me wait for a few more days and canceled my request again and locked my account again. They lied again Their harassment and targeting of me continued. I again made a closure request, begged and cried over the phone to help me access my funds ( request # XXXX XXXX ). They again canceled my request sneakily and locked my account again. At this time, I have taken severe financial losses and tremendous emotional and psychological pain because of the way some of their agents lied to me, disrespected and continued to contradict each other. I had to call them over 12 times today. I had to verify myself over 15 times just today. I had to get my account unlocked again and again. They would promise to call me to complete the verification but not call me back every time they were supposed to. I made another attempt to close my account ( request # XXXX XXXX ). They again promised to send me my money to my home expeditiously and after being lied to and played by their support team members. They continue to lie to me and continue to target me for some reason. I do not understand why they are being so cruel, disrespectfully and not close my account and continue to torture me. I cried over the phone with their agents. I begged them over the phone. I expressed my pain and suffering pretty much every day over the last few weeks. They are relentlessly working hard to destroy me.
Company Response:
State: NJ
Zip: 07307
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a card payment on a Thursday via ACH. It cleared my bank the next day. Checked card it had not cleared the payment. Decided to wait until after the weekend. Wednesday the balance still had not been reduced. I called in the first person told me they couldn't apply the payment. I asked for an escalation. Happy to provide proof that the payment had cleared. They stated they knew it had cleared, but that I would need to wait an additional six days for it to clear because I had added a new account. This was in no way stated while adding the new account nor when making the payment. I inquired if I would be credited for the interest they would be earning on my money. I was informed I would not. So I closed the account. Extremely poor communication and customer service. I've spent ten years in the industry and that is some of the worst policy making I've ever seen.
Company Response:
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
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: Back in XX/XX/2022, there was fraud done in my account. That was fixed. I called in XXXX, to make a payment on the whole account. They told me I had cash back of {$760.00}. I told them I did not want the cash back due to being from the fraud that was done. I did not want it to came back afterwards towards me. They told me the cleared the cash back. ( I dont have access to this account portal since XX/XX/2022 ) End of XXXX I received a statement that I owe {$1300.00}. Keep in mind my balance should be around {$800.00}. They told me that was from cash back that was added toward my account they dont know why. They have done 2 disputes. They tell me they will contact with me I have not heard from this was since XXXX. My last statement says {$320.00}. They transfer to different departments. No one is able to tell me about my account or help. They only make a claim dispute but does not go under my favor. Last call they transfer me to Apple Cash they can see it was transferred to Apple Cash ( but I dont have access to that Apple ID Due to being change from the fraud. They know the email they have in file is not mine and they say they send documents to that email. They are violating my privacy. After multiple time telling them I dont have access to the email. I need help. This is un fair. If it was a transaction I did I would understand. They tell me I have two late payment which I have called every month to get it fix they said my account is under investigation, to not worry about the payment. Now, they say I have 2 late payments. This is messing my credit score before all this it was perfect now it have drop to much. Please help me or guide me to what to do. I will attach the statement they have sent me.
Company Response:
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XXXX XXXX my account was locked by Marcuc by Goldman Sachs with no explanation. A customer service agent has attempted to contact me with a reset pin. No reset pin was received and the agent told me my cell phone company XXXX XXXX XXXX XXXX XXXX would not accept reset pins from Marcus. On XXXX XXXX, I attempted to reset my account again. My mother received a call from Marcus saying they were attempting to reach me. I do not share a cell phone number with my mother, nor are they similar. I spoke with a Marcus representative and they stated they can not grant me access to my account and I need fill out a Identify affidavit.
Company Response:
State: TN
Zip: 37040
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this company has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A