The Goldman Sachs Group Reviews (%countItem)
The Goldman Sachs Group Rating
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I made a purchase with apple and canceled partial order And returned the remaining order. Apple confirmed the cancelation and confirmed receiving the returned items. This order was purchased with apple car, for which goldman sachs handles it. I was charged for the items, and disputed the transaction. Goldman sachs found in favor of the merchant. I have emailed and spoken to GS several times, reinstated the dispute without resolve. I used this apple car once to make a product transaction. GS makes me want to throw out all my apple products.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID, and find that this resolution is satisfactory to me and the matter has been resolved.
Sincerely
I have been approved and issued 3 Apple Cards that are managed by Goldman Sachs. Within a span of 6 weeks all 3 accounts have been mysteriously closed and I have disputed and complained about the issue for close to 2 months. Goldman Sachs agreed to remove the inquires from my Credit Report over 6 weeks ago.
I have spent over 70 plus hours on the Phone with Goldman Sachs and Apple to complain about this issue and I have yet to receive an answer. I have been promised numerous call backs to resolve the situation but I have yet to speak to someone who could resolve the situation.
The reason given for the closing of my accounts is the removal of 2 factor authentication. I immediately call Apple Support to get clarification and they clearly stated its impossible for me to disable 2 factor authentication. They inform me to call back and speak with Goldman Sachs.
As a result, My Credit score has been ran 3 times by the same company over a 6 week span. My credit score has dropped 30 points as a direct result and I have no credit card to show for it. To make matters worse everytime I call Goldman Sachs they tell me its an issue with Apple and vice versa. I am beyond frustrated and stressed about this situation.
I have called over 40 times and each time the representatives don't seem to understand what is happening and escalate it but nothing happens. I need to know when the investigation will be completed. This is truly the worst customer service I have ever experienced with a credit card company. I would appreciate it if this situation could be resolved.
Goldman
Sachs Bank USA (the “Bank”) received the above-referenced complaint related to
Apple Card via the Revdex.com (“Revdex.com”) Complaint Portal on October
*, 2020. We appreciate the opportunity to address the issues raised by *** (the “Customer”) and the Revdex.com.***’s complaint references his Apple Card accounts being closed. ***
had opened three Apple Card accounts and each was subsequently closed due to
the Customer’s two-factor authentication being turned off. Per the Apple Card
Customer agreement, the Bank will close a customer’s account if two factor
authentication is subsequently turned off. The Bank investigated the account
closures and confirmed the accounts was closed due to two factor authentication
removal. The Bank assisted *** with opening a new account and he has a
new account as of October , 2020. As a courtesy, the Bank has worked with the
credit reporting agencies to have three of ***’s hard credit inquiries
changed to soft inquiries. Based
on the above details, we kindly request this complaint to be closed.
I have disputed a charge on their CC twice. The first resolution they determined that I made the charge. I never denied making the charge. My issue was the merchant never delivered the goods purchased. On my second dispute, I clarified that I made the purchase but never received the goods. All my supporting documents was sent in my first dispute the specialists that handled the 2nd dispute seen all my documents and reopened the case. I recently received notification from Goldman Sachs saying I made the purchase. I called in the 3rd time and was told I need to provide proof that I didn’t receive the goods. I called *** and they confirmed the tracking information was bogus but I needed to contact ***. I did not purchase it from ***. I called Goldman Sachs back and was told the dispute would not be open again and if I was able to provide more information it would still it likely be open again per management.
Goldman Sachs Bank USA (the
“Bank”) received the above-referenced complaint related to Apple Card via the
Revdex.com (“Revdex.com”) Complaint Portal on September , 2020. We
appreciate the opportunity to address the issues raised by ***
and the Revdex.com.***’s complaint
references a transaction dispute on his account. According to our records, *** disputed a transaction with the merchant, Ebqz00 (Paypal), in the
amount of $104.97 that posted on April , 2020. Based on information provided
by the merchant, the dispute was initially resolved in favor of the merchant on
July , 2020. The dispute was reopened on October *, 2020 and based on
evidence provided by ***, the dispute was resolved in favor of the
Customer. The Customer’s account was provided a permanent credit in the amount
of $104.97 on October *, 2020. Based on the above details, we
kindly request this complaint to be closed.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID, and find that this resolution is satisfactory to me and the matter has been resolved.
Sincerely
Like others, I wish I never got an Apple Card. In January, we booked a condo in Maui for May. We were billed the initial payment and two subsequent charges to pay off the trip. Because of COVID restrictions and travel bans to Hawaii, we weren’t able to travel there. The owner would not offer a refund, and my only option was to re-book, so we booked for September. Those restrictions/bans were still in effect in July, extending beyond our trip date, so we asked for a full refund in light of the COVID travel restrictions. The owner would not accommodate and so we opened a dispute with GS - actually, 3 disputes, since the same trip was billed in 3 charges. Because travel to Hawaii is indefinitely delayed, our date in September came and went because we could not travel to Hawaii - though our disputes remained open. This was going to be a special trip for our 25th wedding anniversary, my daughter's senior trip, and my daughter's 16th birthday. Since we were unable to stay in Hawaii, we had to make other last-minute arrangements. Months passed with no action. After many hours on the phone and through texting, the first dispute was awarded in my favor, but the other two were not. THEY WERE ALL FOR THE SAME TRIP. No matter how many times I tried to appeal and offer evidence, I was denied. As others have shared, the customer service was completely worthless. I paid for a trip and am out over half of the value, even though I received no goods or services for my money. This is complete theft.
Goldman Sachs Bank USA (the “Bank”) received the
above-referenced complaint related to Apple Card via the Revdex.com
(“Revdex.com”) Complaint Portal on September , 2020. We appreciate the opportunity to
address the issues raised by *** and the Revdex.com.***’s complaint references
a transaction dispute on his account. The Customer disputed three transactions
with the merchant, Homeaway. Based on the evidence provided by ***, the
merchant confirmed there is a no refund policy. The merchant did provide *** with the options to change the dates of his booking or provide a credit
to his VRBO account. Two of the disputes were resolved in favor of the merchant
on September *, 2020 and September *, 2020. Due to an inadvertent error, the
third dispute was resolved in favor of *** on September *, 2020. The dispute
decisions will remain the same.Based on the above details, we kindly request this
complaint to be closed.
I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. I'm a victim of identity theft
Marcus
by Goldman Sachs, a brand of Goldman Sachs Bank USA (the “Bank”), received the
above-referenced complaint via the Revdex.com (“Revdex.com”) Complaint
Portal on September , 2020. We appreciate the opportunity to address the
issues raised by *** (“***” or the “Customer”) and the
Revdex.com. ***’s complaint alleges that a personal loan (“the
Loan”) was opened with the Bank on August , 2019 without his authorization or
knowledge. The Bank conducted an investigation and reviewed the information
provided by the customer, as well as our records, and determined that the
Customer is liable for the Loan. The Bank is accurately reporting the
Customer’s liability for the Loan to Consumer Reporting Agencies. According to our records and investigation, the Bank
successfully verified the Customer’s personal and account information in
accordance with our procedures during the Loan’s application and origination.
The email and mailing addresses provided by the Customer with this complaint
are consistent with the email and mailing addresses provided with the
application. The Bank disbursed the Loan funds to an account verified as being
owned by the Customer at the time of disbursement. Additionally, the Customer
made four (4) payments from an external account verified as owned by the
Customer. Given the payments to the Loan, as well as the Bank’s
confirmation of the information provided at the Loan’s application and the
consistency of which this information ties to the information independently
provided by the Customer, the Bank has determined that the Customer remains
responsible for the Loan. The Loan is currently in a charged-off status and the
Customer remains responsible for the entire outstanding balance of $17,470.18.If the Customer wishes to obtain the documents used to
verify this account, he may provide a Federal Trade Commission Identity Theft
Report which can be found at ***.
Any additional information the Customer wants to provide for further
investigation may be sent to:Marcus by
Goldman Sachs***
***
Based on the above details, we kindly request this complaint
be closed.
GS is the only bank that removed any APR from their cards for 6 months,- Thank you! However, the *** Card wont protect you from a fraud. I opened a dispute for an expired 4 years old products that was sold to me by a Russian store in Boston with pictures and recipes and were rudely denied by advising weird stuff from their customer service member. If *** Card wont protect my purchases from a fraud as they promised, then I probably wont use it in the future
My credit score fell by more than 120 points because of an Apple Card provided through Goldman Sachs.
The experience was confusing and awful.
Goldman Sachs and Apple showed that they did not care about the customers.
I requested an Apple Card in December of 2019.
I never received the card.
In May of 2020, in the midst of coronavirus, I was informed that I had a 30 days past due notice.
I was not aware of ever spending on the card — and I still had not received a physical card, more than 5 months after I was supposed to.
Apparently Apple / Goldman had set it up so that I could spend on the card without ever receiving the physical card or choosing to activate my account. When I thought I was using cards in my Apple Wallet (all set up on autopay with my bank) I was actually spending with an Apple Card I had never received and long ago given up on.
When I received the past due notice in May, I assumed it was either spam (my email account gets a lot of phishing emails that try to look like legitimate businesses). As I looked in further, I thought it was fraud on my account — someone had received and activated my card and started spending on it.
I reached out to Apple / Goldman but was repeatedly unable to get good answers. Their support sent me unhelpful articles via SMS that were not relevant to my situation.
Finally, I figured out I had an account already set up and recognized some of my personal transactions on it. I read around online and figured out how to set up an autopay for the account.
By then, the damage was done: my credit score has fallen from 762 by over 120 points. The home mortgage I applied for may be jeopardized by the change in my credit score.
Once I discovered the damage to my credit in Sep 2020, I contacted Apple / Goldman for help.
Unfortunately, where businesses that focus on customers and credit services have programs to help, they told me they were “not set up for that.” They had no way to address the situation, although they acknowledged their competitors can help when a customer was doing all the right things, but the business dropped the ball and set them up for failure.
I’m terminating my Apple Card from Goldman Sachs immediately (again dealing with their unhelpful SMS support). But I want to make sure no one uses this terrible, unreliable program. They are clearly not set up to provide credit services and shouldn’t pretend to be — otherwise customers like me pay the cost for Apple and Goldman’s mistakes.
Goldman Sachs Bank USA (the
“Bank”) received the above-referenced complaint related to Apple Card via the
Revdex.com (“Revdex.com”) Complaint Portal on September *, 2020. We
appreciate the opportunity to address the issues raised by *** and
the Revdex.com. ***’s complaint references
the credit reporting for his Apple Card account. *** had a balance of
$208.80 on his March statement, and the Customer did not make a payment towards
his balance. The Bank sent Payment Due Reminders, Missed Payment Reminders, and
Eligible for Bureau Reporting reminders. Each reminder was delivered
successfully to the email we have on file for ***. A physical card is
not required to use the Apple Card, and the Customer added the Apple Card to
the Wallet application on his device. The Bank confirms the reporting was
correct and accurate, the Bank is obligated to report accurately to credit
reporting agencies.Based on the above details, we
kindly request this complaint be closed.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
This message from the business did not address any of the concerns brought up in my complaint. They have not addressed the concern that there was lacking clarity and communication from the business that led to the overdue charge on my credit report, or that other cards have programs and policies to help their customers in situations like this, but they do not.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely
Goldman Sachs Bank USA (the
“Bank”) received the above-referenced complaint related to Apple Card via the
Revdex.com (“Revdex.com”) Complaint Portal on September *, 2020. We
appreciate the opportunity to address the issues raised by *** and
the Revdex.com. ***’s complaint references
the credit reporting for his Apple Card account. *** used his card for
several purchases resulting in a $208.80 balance on his March statement. As previously stated, the Bank sent *** emails when his statements became available, which provided him details
on his transactions, balances, minimum payment due, and ways to make a
payment. Unfortunately, *** did
not make a payment towards his balance. In addition to the statement reminders,
the Bank sent communications to ***’s email including: Payment Due
Reminders, Missed Payment Reminders, and Eligible for Bureau Reporting
reminders. Each reminder was delivered successfully to the email we have on
file for ***. Finally, *** may manage his Apple Card in the
Wallet application, including access to the Customer’s statements and balance
details. The Bank confirms the reporting was
correct and accurate, the Bank is obligated to report accurately to credit
reporting agencies. The Bank does not have any additional information to
provide and considers this issue closed.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
From their message, it sounds like the Bank has no intent to make any of the improvements to their product that could have helped me avoid a massive hit to my personal credit:
- introduce clearer explanations of how their product works: explain that the card is activated even if the physical card never arrives, and may be used automatically via Apple Pay. Make sure consumers understand this and (ideally) have an opportunity to enroll up-front for autopay
- ensure more-consistent delivery of the physical card: I never received the card, requested a replacement, and STILL never received the physical card
- create programs (which other, more reputable, banks and credit card products have) to help consumers who end up with a credit hit because of extenuating circumstances
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely
I registered for the Apple credit card that is handled by Goldman Sachs.
As part of my sign-up bonus I was supposed to be able to get a $50 gift card or cash credit once I made my first purchase with this card. I spent over $1000 on this card and still have not received my cash credit.
Goldman Sachs said that I had to buy something on the Apple App Store to receive this credit. Apple had software problems and contacted Goldman Sachs and said it was not possible for me to make the purchase and that they should give me the $50 credit.
Goldman Sachs agreed to this. I agreed to this.
Now Goldman Sachs has:
"no records of ever speaking with Apple,"
"no record of ever speaking with me" "no paperwork"
Apple reps have called Goldman Sachs reps, with me on the phone, that I was supposed to be paid the $50 multiple times. I heard this with my own ears. I heard Goldman Sachs agree to this with my own ears.
Weeks later I get no credit, just a big middle finger from Goldman Sachs.
Goldman Sachs Bank USA (the
“Bank”) received the above-referenced complaint related to Apple Card via the
Revdex.com (“Revdex.com”) Complaint Portal on August , 2020. We
appreciate the opportunity to address the issues raised by *** and
the Revdex.com. ***’s complaint
references a promotion offered by the Apple Card. The Terms and Conditions of
the promotion state it is only valid for new Apple Card holders who open an
account July *, 2020 through July , 2020 and also make an Apple Services
transaction. ***’s opened his account on July *, 2020, but did not
make the necessary Apple Services transaction. Unfortunately, *** did not qualify for the promotion. Based on the above details, we
kindly request this complaint to be closed.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
[Your Answer Here]
I kept the credit card open, and I made purchases on this credit card because Goldman Sachs promised me that they would honor the $50 credit.
Apple representatives, also promised me that I would receive the $50.00 credit.
Apple representatives, even made a three-way phone call with me to call Goldman Sachs representatives, and informed them that there was a technical error not allowing me to make the required purchases on the App Store.
The technical error was not the customers fault. To make up for this, both Apple and Goldman Sachs agreed to provide the $50 credit.
Apple has records of this conversation. Apple has records of multiple phone calls to Goldman Sachs. Goldman Sachs consistently loses records. Goldman Sachs Has consistently lost records of phone calls were representatives have promised that I would receive the $50 credit.
A simple phone call to Apple Inc., would reveal that they have many records where Goldman Sachs has promised Apple that they would apply the $50 credit to my card because of Apple’s App Store technical error.
Given Goldman Sachs history, and various other behaviors that have required government intervention, it is very likely that this is a continual of the same trend of behavior.
I humbly request that the Revdex.com enforce compliance.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely
Goldman Sachs Bank USA (the
“Bank”) received the above-referenced complaint related to Apple Card via the
Revdex.com (“Revdex.com”) Complaint Portal on September , 2020. We
appreciate the opportunity to address the issues raised by *** and the Revdex.com. ***’s complaint
references a promotion offered by the Apple Card. As previously stated, the
Terms and Conditions of the promotion state it is only valid for new Apple Card
holders who open an account July *, 2020 through July , 2020 and also make an
Apple Services transaction. *** but did not make the necessary Apple
Services transaction therefore he did not qualify for the promotion. The Bank
does not have any additional information to provide and considers this issue
closed.Based on the above details, we
kindly request this complaint to be closed.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
[Your Answer Here]
The Goldman Sachs representative points out that I was unable to fulfill the requirements of the contract but not decides to ignore the fact that this happened because of their system failures.
Goldman Sachs and Apple Inc. have agreed and acknowledge that I was not able to perform the required task because of a technical issue at Goldman Sachs and Apple. This was not the customers fault.
Goldman Sachs representatives Then told the customer that they would fix this problem and give him his due credit because the problem was not the customers fault.
Later on, they “lost” all records of the conversations even though Apple has them recorded in their call center.
The simple fact that the Goldman Sachs representative is so callous as to not confirm and or check with Apple, or even look at the facts of the case indicates the level of anti-consumerism inherent in this company.
It’s almost as if the representative is trying to be a rude *** by focusing on obfuscating every issue in the original complaint by citing things that are not related or have been proven wrong.
The simple fact that they did not even investigate the matter, call Apple for the existing records, or even do anything other than reactively respond to the Revdex.com complaint shows the lack of moral ethic in this company. These people turn around, and give the customer massive amounts of credit, more than anybody else does… Just a trap the customer and ridiculous tiny fees here and there.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely
I have an Apple Card that is managed via Goldman Sachs.
On 7//2020 they emailed me to respond to a suspicious attempted charge of 195.27 with a Slovakian website. I called, it was eventually escalated to a fraud "specialist ". I confirmed this was not my charge - I am in Portland Oregon, the card was never out of my possession. She said they would change my card number so no more charges would go through. I told her that Goldman Sachs had blocked the card on my app ( on the wallet app on the iPhone) so I could not block the card. She assured me they would change the number to prevent further charges. Then she said someone had already called in essentially acting like me to get the card unblocked...she put me on hold...then hung up. This whole process took an hour. Two hours later I checked my wallet app...the original fraudulent charge was put through !!! Then another charge of approximately 9,494 was put through a German website! Apple had never changed my card number. So I went into the apple wallet app and blocked my card. Then another charge of approximately $3391 was attempted to put through at a place called *** .
I called Apple again...they told me the card number had not been changed when I was told it would be and they would file disputes and these would take 90 days.
To date: the charges are
195.91 - this was charged and then they gave a provisional adjustment
9,494.37 - this was charged and TO DATE I HAVE NO PROVISIONAL ADJUSTMENT
I have called several times...each time the people don't seem to understand what is happening and escalate it but nothing happens.
I need to know:
1. when will the provisional adjustment be done on the last charge
2. when will this complete investigation be done
This is truly the worst service I have ever experienced with a credit card company .
Goldman Sachs Bank USA (the “Bank”) received the
above-referenced complaint related to Apple Card via the Revdex.com
(“Revdex.com”) Complaint Portal on July , 2020. We appreciate the opportunity to
address the issues raised by *** and the Revdex.com.***’s complaint
references unauthorized transactions. The dispute with the merchant, duos.sk, was disputed on July , 2020. The dispute
with the merchant, ***, was disputed on July , 2020. The
investigations will be complete within two billing cycles after date of
receipt, and no later than 90 days from date of receipt. The Bank provided the
Customer with provisional credits for both transactions while they are
investigated. *** was sent an email confirming this information on
July , 2020 and July , 2020.
Based on the above details, we kindly request this
complaint to be closed.
After a more than two year uninterrupted payment history on an unsecured Marcus by Goldman Sachs personal loan, I arranged for a large payment by check to be made toward settlement of the loan. Marcus by Goldman Sachs, according to the entity through which I obtained said large check, at least twice appeared to accept said check. As of *** July 2020, the entity through which I obtained the check informed me that Marcus by Goldman Sachs again has refused to accept the large payment by check. As a result, not only has my credit score dramatically declined, but I also am burdened with increased interest payments and other fees.
Marcus by Goldman Sachs, a brand
of Goldman Sachs Bank USA (the “Bank”), received the above referenced complaint
via the Revdex.com (“Revdex.com”) Complaint Portal on July , 2020. We appreciate the opportunity to address the
issues raised by *** (“***” or “the Customer”) and the Revdex.com. ***’s complaint alleges an
error occurred around the processing of a check payment on their personal loan account.
According to our records, the Customer mailed in a check in the amount of
$7,613.04 on May , 2020 which was applied to the Customer’s loan. However, on
June *, 2020, the check was returned by the Customer’s external financial
institution due to insufficient funds and the funds were reversed off of the
loan account. As a result, the Bank is not
in possession of the funds and the Customer’s payment in question remains
unsatisfied as of this response. The Bank is unable to waive any interest or
fees accrued by the Customer’s external financial institution. The Bank reviewed the account information furnished to
credit bureaus and confirmed there is no error in the reporting of the
Customer’s loan payment history. Marcus is obligated under applicable law to
report accurately. A response to this complaint was
sent directly to the Customer.Based on the above information,
we kindly request this complaint to be closed.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:I have for the third time sent to Marcus by Goldman Sachs a check in the amount of $6180. See, attachments:
As noted in said attachments, the fees charged me (by the institution that arranged transfer of $6180), have approximately doubled due to Marcus by Goldman Sachs refusal to accept said $6180 payment.( The payment referred to by Marcus by Goldmab Sachs was corrected to $6180 within one day of rejection by Marcus by Goldman Sachs. The most recent $6180 payment was made to Marcus by Goldman Sachs on *** July 2020 and confirmed on *** July 2020.
[Your Answer Here]
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely
Marcus by Goldman Sachs, a brand of Goldman Sachs Bank USA (the
“Bank”), received the above referenced complaint via the Revdex.com
(“Revdex.com”) Complaint Portal on August *, 2020. We appreciate the opportunity to address the issues raised by David
Howard (“***” or “the Customer”) and the Revdex.com. ***’s complaint alleges an error occurred around the processing
of a check payment on his personal loan account. According to our records, the
Bank received and applied a check payment of $7,613.04 on May , 2020; however, on June
*, 2020, the Customer’s external financial institution reversed the payment due
to insufficient funds. As a result, the Bank reversed the May , 2020 payment
and is not in possession of those funds. The Customer made a subsequent payment via a balance transfer in the amount of $6,180.00, which was
successfully processed with an effective date of July , 2020. This payment
satisfied the customer’s May 2020, June 2020, July 2020, and August 2020
statements. The Customer’s records indicate that his external financial
institution charged a fee to complete the balance transfer dated for July ,
2020. The Bank is unable to waive fees the Customer incurred from his external
financial institution. The remaining principal balance on the personal loan account is $1,912.09.
The payoff balance is $1,964.73 and will be valid through September , 2020.A response to this complaint was sent directly to the Customer.Based on the above information, we kindly request this complaint to be
closed.
On 1//20, I received an e-mail from *** by Goldman Sachs (GS) regarding a $100 savings bonus. GS promised to transfer $100 into my existing savings account if I deposited $10000 in the savings account, enrolled in the bonus program by 2//20, and maintained those funds plus my existing balance for 60 days. I enrolled in the program, transferred $15,707.47 into my savings account on 2/*/20, and left all funds undisturbed. I checked my savings account transactions during the last week of May and saw that the $100 had not been deposited by GS. When I called to inquire, the telephone representative told me that the funds should be deposited within 2 days, and to check my account again by 6/*/20. When I checked my account on 6/*/20, the $100 still had not been deposited. I called on the morning of 6/*/20, and the telephone representative said that the matter was being investigated; then the call dropped. When I immediately called back, the second telephone representative was not able to tell me the source of the issue or when the $100 would be deposited. In the initial e-mail offer, GS promised to deposit the $100 within 14 days of my fulfilling all their requirements. So, the $100 should have been deposited by 4//20.
by
Goldman Sachs, a brand of Goldman Sachs Bank USA (“GS Bank” or the “Bank”),
received the above-referenced complaint via the Revdex.com (“Revdex.com”)
Complaint Portal on June *, 2020. We appreciate the opportunity to
address the issues raised by *** (“***” or the “Customer”) and
the Revdex.com.***’s
complaint references concerns related to the eligibility of a recent
promotion offered by the Bank to customers with an active Online Savings
Account (“OSA”). Between January , 2020 and February , 2020, the Bank
offered a promotion paying a $100 bonus to OSA customers who enrolled in the
promotion, deposited $10,000 in new funds into their OSA and maintained the new
funds, plus their balance at the time of enrollment, for 60 consecutive
days. To be eligible for the $100 bonus,
customers must maintain the required balance in the OSA the promotion is
applied to. Based on our review, *** was not eligible to
receive the $100 bonus as she transferred funds out of her OSA on the date of
enrollment, February *, 2020, and failed to maintain the promotion requirements
through 11:59 PM EST on the 60th day.The Bank is always disappointed to hear that a
customer experienced inconvenience or service that was less than satisfactory.
As a result of the experience, a goodwill credit of $100.00 has been provided
to ***.Based on the above details, we kindly request this complaint to be
closed.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID, and find that this resolution is satisfactory to me and the matter has been resolved.
I appreciate that *** by Goldman Sachs has credited my account for $100. However, the sequence of events documented in their response is inaccurate. The actual sequence of 2/*/20 events follows:
1) I withdrew funds from my *** by Goldman Sachs savings account to purchase a *** by Goldman Sachs certificate of deposit.
2) I enrolled in the *** by Goldman Sachs $100 Savings Bonus program.
3) I deposited more than the required amount of funds from an external checking account into my *** by Goldman Sachs savings account and left the total balance within the savings account undisturbed for the required 60 days.
The order of steps 1, 2, and 3 can easily be seen from my account transactions listed on the *** by Goldman Sachs website. They are always listed in reverse order by time, from newest to oldest. (All deposits to my external personal checking account are date and time stamped, and I find it difficult to believe that my transactions with *** by Goldman Sachs are not also time stamped.) In addition, there were no stipulations in the fine print of the *** by Goldman Sachs promotional e-mail regarding any transactions prior to the time of enrollment in the $100 Savings Bonus program, regardless of date.
Once again, I am pleased that *** by Goldman Sachs has honored their promise to deposit $100 in my savings account.
Sincerely
I opted to apply for an *** credit card this morning. Knowing I've always had a credit score over 700, I didn't figure i'd have any issue with getting one. It turns out that a 772 credit score is not high enough to obtain an Apple credit card. You apparently have to be a millionaire or have an 850 score?
In March 2020, I opened a CD account with *** for my friend, *** online. I am her POA. I funded her account with a Cashier's Check from Bank of Hemet in California. GS cashed the Cashier's Check on April *** according to Hemet Bank. I sent a copy of that cancelled check and the cover letter I sent with the check to GS investor relations and they told me to go to the website or call GS to get help which I have done repeatedly without success
When the funds did not appear in the CD account, I made daily calls to GS to ask why the money was not in the account and no one seemed to know. Finally, on April , the GS agent said he would escalate the inquiry to determine what had happened to my money. That afternoon, I received a call from GS, a man who said his name was Rene and that he was in the president's office. He said he was calling to let me know that the account had been closed and that he would not discuss anything further with me. He was quite rude and abrupt. I asked if he would return the money or if it could be direct deposited into ***'s bank account. He refused to answer and hung up on me.
Since the account is closed I have not been able to get anyone to determine what happened to the money, almost $10,000.
Marcus by Goldman Sachs, a brand of Goldman Sachs Bank USA
(“GS Bank” or the “Bank”), received the above-referenced complaint via the
Revdex.com (“Revdex.com”) Complaint Portal on May *, 2020. We appreciate the opportunity to address the
issues raised by *** (“***” or the “Consumer”) and
the Revdex.com.The Bank has reviewed its records and did not identify any accounts
in the name of the *** nor is there documentation regarding *** being an attorney-in-fact on an account with the Bank. The Bank has communicated to *** the
necessary documentation required by the Bank to manage the account on behalf of
a Customer of the Bank. Based on the above details, we kindly request this complaint to be closed.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
[Your Answer As it is explained in the complaint, *** is the account holder in this case and I helped her to file the complaint as her Power of Attorney. The fact that I helped her to file the complaint does not relieve Goldman Sachs of the responsibility for taking and KEEPING ***'a money from her, failing to respond to her pleas to return her money and ignoring all communication from her. I must help *** as she is 79 years old and very ill. The failure of Goldman Sachs to respond responsibly has caused terrible hardship on her financially and has drained her physically and mentally. *** has tried to handle this problem as well as she can by calling Goldman Sachs and in filing other complaints. She is so ill that she has trouble acting alone. I have been unable to get a copy of her POA agreement to Goldman Sachs as THEY WILL NOT ALLOW ANY EMAIL OR FAX FOR THE LONG DOCUMENT AND MY POST OFFICE DESK HAS BEEN CLOSED DUE TO THE CORONA VIRUS. This stance by Goldman Sachs reflects poor business acumen. They need to refund her money that they have held without explanation since April . This is elder abuse and exploitation. Unnecessary for a large company trying to flex its power muscle against a devastated and powerless old woman. Shame on you if Revdex.com lets this go by the wayside and continues to give this brutal company an A+ rating!!!
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely
Marcus by Goldman Sachs, a brand of Goldman Sachs Bank USA
(“GS Bank” or the “Bank”), received the above-referenced complaint via the
Revdex.com (“Revdex.com”) Complaint Portal on June *, 2020. We appreciate the opportunity to address the
issues raised by *** (“***” or the “Consumer”) and
the Revdex.com.As previously provided in our original response, the Bank
has provided *** the necessary steps and documentation required to
manage an account on behalf of a customer of the Bank. Unfortunately, the Bank does not accept
documents via email or fax; *** is welcome to provide the documents to
the address previously provided.
Revdex.com:
After 6 weeks of pure torment, *** has finally received her refund from her Cashier's Check Case #***. Due to the fact that she has received her money, I am willing to close this complaint. Goldman Sachs has refused to address the real issue of refusing to refund the client's money. In essence, they have avoided the issue entirely.
Sincerely
Goldman Sachs Apple Credit card has arbitrarily and fraudulently charged me $226.36 for no goods or services I have evered acquired or obtained from them. I do not use and never used this card. I have asked repeatedly to have cut ties with them, but they refuse and are putting threats on me and even going after my credit bureau to force me to pay an amount for something I never acquired and never legally purchased from them. I have filled complaints with FCPB, I have two police report for attempt of petit theft and fraud with the local MTPD and with FDIC, FTC, Washington DC State Attorney's office, UTAH State Attorney's Office and New York State Attorney's office and the FBI. Investigation have rendered their activity as fraudulent; however, the feel that they are above the law. They are abusing Americans arbitrarily may be because they did not receive any Federal government relief for COVID-19. This company is committing Fraud, Please help and assist.
Goldman Sachs Bank USA (the “Bank”) received the
above-referenced complaint related to Apple Card via the Revdex.com
(“Revdex.com”) Complaint Portal on April , 2020. We appreciate the opportunity to
address the issues raised by *** and the Revdex.com.***’s complaint is substantially similar from previous complaints
received from this Customer, and the Bank has provided numerous responses. ***’s complaints reference a Daily Cash
Adjustment in the amount of $226.36. The Apple Card Customer Agreement details
the handling of a return on an Account, including that the Bank will charge an
Account an amount up to the amount of any Daily Cash accrued for the
transaction(s) related to the return (a “Daily Cash Adjustment”). ***’s
made a purchase and earned Daily Cash. When the Customer returned the
merchandise, the Bank charged a Daily Cash Adjustment, as the Daily Cash he
previously earned was already transferred to his external account on January *,
2020. The Daily Cash Adjustment was processed in accordance with the Apple Card
Customer Agreement, and the Bank will not be providing a credit for that
amount. The Bank has validated that the Daily Cash Adjustment was handled in
accordance with the Apple Card Terms and Conditions. The Customer has not
provided any new information, and the Bank does not have any further
information to provide on this dispute and considers it closed. Based on the above details, we kindly request the Revdex.com
complaint to be closed.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
[Your Answer Here]
Goldman Sachs has committed identity theft fraud and and criminal misconduct which is attached to this complaint and Goldman Sachs CEO is copied on it so that he may be aware if the criminal activities perpetuated by his customer service department. Federal, local law enforcement and State Attorney’s office are also involved. Whoever answered you this email does not have the authority to arbitrarily close this complaint.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely
I use Marcus by goldman sachs for a savings account. I tried to withdraw my own money and they have now locked both my account with them and my BECU account asking for a reversal. It's my money! I've been on hold for 45minutes and the customer service agent hung up!
Marcus by Goldman Sachs, a brand of Goldman Sachs Bank USA
(“GS Bank” or the “Bank”), received the above-referenced complaint via the
Revdex.com (“Revdex.com”) Complaint Portal on March , 2020. We appreciate the opportunity to address the
issues raised by *** (“***” or the “Customer”) and the Revdex.com.***’s concerns relate to the inability to access his Online
Savings Account (“OSA”) with the Bank. According to our records, the Customer opened an OSA with the Bank on
March , 2020. On March , 2020, the Customer initiated an outgoing transfer to
an external bank account that had not been previously linked or verified. For security purposes, and in accordance with
our Deposit Account Agreement, the Bank may conduct a review to confirm
ownership of the external account and the Bank has the right to restrict an
account at any time without notice. Because
the external bank account had not being previously verified or linked, the Bank
required ownership verification prior to completing a transfer of funds. On March , 2020, the Bank confirmed external bank account
ownership and informed *** that his online account access had been
restored. The Customer successfully transferred funds to the external bank account
on March , 2020. Based on the above details, we kindly request this complaint
be closed.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID, and find that this resolution is satisfactory to me and the matter has been resolved.
Sincerely
First of all Team, a Happy 2020! We need your investigative assistance on this important matter: It seems to us that Goldman Sachs is allegedly retaining the money that was debited to my bank account registered with the Apple Card for many days without immediately crediting those amounts to reduce the balance of the Apple Card.1- on December *** a payment of $ 500.00 was made and immediately deducted from my bank account. This payment was not deducted from our credit card balance as of today which is the ***. 2- On December ***, a payment of $ 1,000.00 was made and immediately deducted from my bank account. This payment was not deducted from our credit card balance as of today which is the ***. 3- On December the *** a payment of $ 556.45 was made and immediately deducted from my bank account. This payment was not deducted from our credit card balance as of today which is the ***.4- On December the *** a payment of $ 300.00 was made and immediately deducted from my bank account. This payment was not deducted from our credit card balance as of today which is the ***. On the month of November all of our payments were immediately reflected on the card, but as explained above our 4 payments totaling $ 2,356.45 did not. We tend to believe that CC have regulations from your Department not to hold funds received. If these funds are not timely applied to the consumers cc account it triggers higher interest rate on the card. We urge you to investigate and please let us know. Thank you. ***
Our request also:
That Goldman Sachs is contacted and that this situation is reversed and that myself and any other Apple Card Holders would have the money that they paid from their bank accounts credited to their Apple Card in the same day to avoid incurring in higher interest rates
Goldman Sachs Bank USA (the “Bank”) received the above-referenced complaint related to Apple Card via the Revdex.com (“Revdex.com”) Complaint Portal on January *, 2019. We appreciate the opportunity to address the issues raised by *** and the Revdex.com.
***’ complaint references the amount of times it takes for payments made from bank accounts to reflect in his available credit. Payments are deducted from the outstanding balance on the business date the payment was submitted, and Customers will not incur any interest on that amount once the payment has posted. The date the payment will be reflected in the available credit can vary based on the payment amount and account history. If *** chooses to make his payments from his Apple Pay Cash account, the payments will reflect in his available credit immediately.
Details on the payments mentioned in ***’ complaint are as follows:
- Payment submitted December , 2019 in the amount of $300.00. Posted to the account on December , 2019 and was deducted from the balance the same day. The Customer did not incur additional interest on this payment after December , 2019, and the payment is currently reflecting in ***’ available credit.
- Payment submitted December , 2019 in the amount of $556.45 posted to the account on December , 2019 and was deducted from the balance the same day. The Customer did not incur additional interest on this payment after December , 2019, and the payment is currently reflecting in ***’ available credit.
- Payment submitted December , 2019 in the amount of $1,000.00 posted to the account on December , 2019 and was deducted from the balance the same day. The Customer did not incur additional on this payment after December , 2019, and the payment reflected in ***’ available credit on January *, 2019.
- Payment submitted December , 2019 in the amount of $500.00 posted to the account on December , 2019 and was deducted from the balance the same day. This payment reflected in ***’ available credit on January *, 2019.
Based on the above details, we kindly request this complaint to be closed.
I have contacted Goldman Sachs over 15 times regarding a billing error on my Apple Card credit card account with them. There is an issue with a $64.50 credit dispute transaction that they cannot or will not resolve.
ID # ***
Goldman Sachs Bank USA (the “Bank”) received the above-referenced complaint via the Revdex.com (“Revdex.com”) Complaint Portal on December , 2019. We appreciate the opportunity to address the issues raised by *** (the “Customer”) and the Revdex.com.
***’s complaint references his disputed transaction. According to our records, *** disputed a transaction in the amount of $64.50 from the merchant Citizens One on September , 2019. *** contacted the Bank on November , 2019, to have the dispute withdrawn. Unfortunately, due to difficulties, the dispute was not withdrawn until January , 2020. The Bank has issued a one-time credit in the amount of $20.00 as a courtesy for the experience. The Bank apologizes for any inconvenience this may have caused.
Based on the above details, we kindly request the above complaint be closed.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
Your excuse is ridiculous, and more importantly, even after reversing the $64.50 dispute, AND me lying it off instantly, my full credit line of $7,000 has still not been restored I am still $64.50 short on my credit limit. With regards to the pathetic $20 credit, I was promised something substantial for my trouble if you can’t add a $0 to that $20 number, I will not be accepting any resolution presented here
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely
Goldman Sachs is the most fraud company I have ever ran into they approve you for a card then basically tell you how to use your credit card they have put my account under restriction 3 times in made my available credit unavailable this company need to be shut down if they this scare they also won’t let me close my account while it under review it takes them week to do a review so if Apple credit card is you only card you can forget about they do this to ALL card holder eventually
Revdex.com Response
Matthews #*** (Rec’d December , 2019)
Apple Card by Goldman Sachs, a brand of Goldman Sachs Bank USA (the “Bank”), received the above-referenced complaint via the Revdex.com (“Revdex.com”) Complaint Portal on December , 2019. We appreciate the opportunity to address the issues raised by *** (“the Customer”) and the Revdex.com.
*** complaint references her account being restricted. Based on a subsequent review of the account, the Bank identified red flags related to the account. GS Bank, based on the subsequent review decided to close the Customer’s account on December , 2019. For security purposes, GS Bank does not generally disclose reasons for closing an account.
Based on the above details, we kindly request this complaint to be closed.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
[Your Answer Here]
Y’all have no real reason to close the account talking for security purposes even my lawyer reach out y’all caused a inquiry on my credit basically for no reason y’all do this to all y’all Apple Card holders for NO REASON SO EXPLAIN
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely
Matthews #14029363 (Rec’d December 16, 2019)
Goldman Sachs Bank USA (the “Bank”) received the above-referenced complaint regarding Apple Card via the Revdex.com (“Revdex.com”) Complaint Portal on December , 2019 and received follow-up comments on January *, 2020. We appreciate the opportunity to address the issues raised by *** (“the Customer”) and the Revdex.com.
***’ complaint references the closure of her account. As mentioned in the Bank’s prior response, the Bank identified red flags related to the account and conducted an investigation related to those red flags. As stated in the Apple Card Customer Agreement, the Bank may suspend or close an Apple Card at any time and for any reason permitted under applicable law, and the Bank decided to close the Customer’s account on December , 2019. For security purposes, GS Bank does not generally disclose reasons for closing an account and does not have any additional information to provide at this time.
Based on the above details, we kindly request this complaint to be closed.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
[Your Answer Here]
Y’all still not giving me a real answer talking about red flags just admit y’all scared to lose money so no I’m not closing my complaint
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely
Goldman Sachs and Apple have billed me for purchases made when I was in intensive care a Evanston Hospital battling a life threatening brain infection. The bill was something like $218 in the beginning. I told them I could not pay it unless I had an itemized bill on paper, which they refused to send. Then they began contacting my wife, Linda, and I repeatedly to demand payment. We explained the situation and asked them to waive the bill. They would not and kept threatening collection services would be informed. They also had issued a new Apple Card to me, which I told them I clearly did not want. I asked them to close that account. They persist in bothering us about this charge. I am aware that they have forgiven charges for items purchased by minors. I hate to admit this, but I was basically a "minor" in the wake of surgery that left me with no way to understand what people were telling me, no way to process bills, no way to argue the issue. I need your help with this, please. I simply want them to waive any charge made when I was in intensive care, but they won't. We see this as a bad business practice. Our credit ratings are excellent and we never miss payments on anything.
Revdex.com Response
*** #*** (Rec’d December , 2019)
Apple Card by Goldman Sachs, a brand of Goldman Sachs Bank USA (the “Bank”), received the above-referenced complaint via the Revdex.com (“Revdex.com”) Complaint Portal on December , 2019. We appreciate the opportunity to address the issues raised by *** (the Consumer) and the Revdex.com.
***’s complaint references an Apple Card opened in his name. The Bank reviewed the account and has closed the account. *** will not be responsible for the account, and the Bank has submitted a request to TransUnion to have the inquiry removed from his credit report.
Based on the above details, we kindly request this complaint to be closed.