Complaints

This profile includes complaints for Marcus by Goldman Sachs's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Marcus by Goldman Sachs

  11850 S Election Rd Draper, UT 84020-6887

  
• 

  Marcus by Goldman Sachs

  PO Box 45400 Salt Lake City, UT 84145-0400

  
• 

  Marcus by Goldman Sachs

  PO Box 1978 Cranberry Twp, PA 16066-0978

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:01/05/2023

  Type:Sales and Advertising Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I applied for Marcus GM rewards card in July of 2022 with an invitation code for ****** bonus points after spending ******* in 90 days.I spent the thousand in the first month of recieving card.I called every month since september and told i met requirements but there was a glitch in their system.Now its January they called and said they need invitation code.its was six months ago I dont have it so they said there wasnt anything they could do to get my bonus points.I feel cheated with no recourse.Maybe you can help me out.thanks in advance

  Business Response

  Date: 01/12/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the ** Card via the Better Business Bureau (BBB) Complaint Portal on January 5, 2023. We appreciate the opportunity to address the concerns raised by *************************** (the Customer)related to not receiving rewards points for an early spend bonus promotion.
  The Bank conducted an investigation and confirmed a technical error occurred. The Bank contacted ** Rewards who confirmed there was a system error that attached the early spend bonus promotion to the account but did not fully enroll the account into the promotion. This error resulted in the ****** rewards points not being automatically awarded to the account. ** Rewards has confirmed on January 11, 2023, that the ****** rewards points were applied to the account and an agent will reach out to the Customer to inform them.
  Based on the above details, we kindly request this complaint be closed.

  Customer Answer

  Date: 01/12/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:01/04/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I made a transaction to my chase saving account from my Marcus by Goldman Sachs account for $1,8000 (for tuition). Marcus by Goldman Sachs locked my account and claimed that they have called me but was unable to reach me that is why my account was locked(I have not received any call from them). I read their instructions on the email I received and called back, which I provided all the information they needed correctly (including my SSN), the custom service agent transfer me to another agent called *****. ***** said my calling phone number does not match the record which is not true because that is my only phone number in the U.S She first somehow admitted that phone number does not match is the reason the account was locked, then she refused to confirm why the account was locked. ***** later said she will mail me an affidavit of identity which she cannot guarantee when is the arrival and I also need to mail the form back. I asked for online form to download and mailed back, she refused. I was not satisfied with the blurry process, so I called again and providing the exact same information, which I got a note on my file, which does not help at all. This has caused extreme unconvinced and lost to me, if I passed the tuition due-date, I will have to pay a late fee to school. Also, if my account was locked, I am not sure if the assets in it was safe because I cannot access it. Further, if the account will be locked without telling me any information, that is against my rights on using the account solely. Last but not the least, if the account was locked, would the monthly rate still apply to my saving? if no, who is going to bear the lost?

  Business Response

  Date: 01/11/2023

  BBB Response ****
  ID ********
  **********************, a brand of Goldman Sachs Bank *** (the Bank), received the above-referenced complaint via the Better Business Bureau Complaint Portal on January 04, 2023. The Bank appreciates the opportunity to address the concerns raised by ****** **** (the Customer) related to accessing their ************** Account (OSA).
  
  On January 4, 2023, the Customer initiated an outgoing transfer from their OSA to an unverified external account via the Banks website. However, the Bank identified security concerns related to the external account ownership and the Customers identity; therefore, in accordance with the Banks Deposit Account Agreement, the Bank restricted the **** That same day, the Customer contacted the Bank regarding their account access, but the Bank could not clear the security concerns. As an alternative method of identity verification, the Bank requested an Affidavit of Identity (***)from the Customer, which the Bank mailed to the Customer the following day. The Bank is currently waiting to receive the completed *** from the Customer. **************** can confirm that the Customers OSA, while in a restricted state,accrues interest.
  
  Based on the above details, the Bank kindly request this complaint to be closed.

• Initial Complaint

  Date:01/03/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have a Goldman Sachs MasterCard / Apple Card attached to my iTunes account. My account was fraudulently charged 8 charges of **** on 12/31/22 and 1/1/23 for a total of $79.72. I attempted to dispute the charges via the Apple Card "wallet" and call their customer service. I have not been credited the amount of $79.72.

  Business Response

  Date: 01/11/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the ***** Card via the Better Business Bureau (BBB) Complaint Portal on January 04, 2023. We appreciate the opportunity to address the concerns raised by ***************************** (the Customer) related to transaction disputes with the merchant ***** Services.
  ******** conducted an investigation and confirmed no Bank error occurred. On January 02, 2023, five (5) separate transactions from the merchant ***** Services posted to the account in the amounts of $9.99, $9.99, $9.99, $19.98, and $29.97. On January 03, 2023, the Customer contacted the Bank to dispute these transactions. The disputes were initiated, and temporary credits were applied to the account in the amounts of $19.98, $29.97, $9.99, and $9.99. The last transaction in the amount of $9.99 was resolved on January 05, 2023, due to the merchant crediting the account in the amount of $9.99 and the bank reversed the temporary credit. The remaining two (2) disputes in the amounts of $9.99 each were resolved in the Customers favor on January 05, 2023, and the temporary credits became permanent.
  The disputes in the amounts of $19.98 and $29.97 were resolved on January 06, 2023, due to the merchant crediting the account in the amounts of $19.98 and $29.97. The temporary credits previously issued were rebilled. ******** sent emails to the Customer detailing each dispute resolution on January 05, 2023, and January 06, 2023.
  Based on the above details, we kindly request this complaint be closed.

  Customer Answer

  Date: 01/11/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *****************************

• Initial Complaint

  Date:01/02/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I purchased a 18 month CD which matured on 12/16/22. I have called this business over 10 times to have them move the money into an online savings account upon maturity. They keep promising me it will take 1-2 business days to happen but it is still stuck at the old rate in the now matured CD. All I want is for my money to be moved into a savings account which has a higher interest rate and to be reimbursed for the monies I've missed at the higher rate.

  Business Response

  Date: 01/09/2023

  BBB Response ******
  ID ********
  **********************, a brand of Goldman Sachs Bank *** (the Bank), received the above-referenced complaint via the Better Business Bureau Complaint Portal on January 02, 2023. The Bank appreciates the opportunity to address the concerns raised by *********************** (the Customer) regarding closure delay of Certificate of Deposit (CD).
  
  On October 28, 2022, the Customer contacted the Bank and requested to close their CD to their ************** Account (OSA) at maturity. Unfortunately, a Bank Specialist inadvertently restricted the Customers OSA, causing the CD instructions to fail. On January 3, 2023, the Bank successfully closed the Customers CD and waived the Early Withdrawal Penalty. Further, the Bank provided the Customer a goodwill credit for the amount of the interest the Customer lost while the funds were in the CD instead of the OSA.
  
  Based on the above details, the Bank kindly request this complaint to be closed.

• Initial Complaint

  Date:01/01/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I applied for an Apple credit card on 12/32/22 . The answer came back as denial for too many inquiries for credit. I called the customer service number to verify that was the reason because I only have one inquiry on my credit report. The customer service representative told me to call the bureau to talk with them. I asked if my application can be looked at again and she said no and to apply again. Every time that I apply its the same answer but the results they are getting about my report is inaccurate. ********* has verified to me that everything was correct on my report.

  Business Response

  Date: 01/06/2023

  
  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on January 01, 2023. We appreciate the opportunity to address the concerns raised by ********************* (the Customer) related to a declined application.
  ******** conducted an investigation and confirmed no error occurred. According to the Banks records, the most recent application was submitted on January 02, 2023. When an applicant submits an application, the Bank evaluates multiple factors, including current credit history, outstanding debt in relation to income, and credit score. Unfortunately, the Bank was unable to approve the Consumers application. Consequently, and in adherence with applicable law, the Bank sent the Customer an email detailing the reasons the Bank could not approve the application. These emails provide contact information for the ************************* should the Consumer have concerns related to the accuracy of the information reported within the Consumers Credit Report.
  ******** conducted a review of interactions and was unable to locate any record of mistreatment or misinformation provided by a Bank representative.
  Based on the above details, we kindly request this complaint be closed.

  Customer Answer

  Date: 01/10/2023

   
  Complaint: 18668297
  
  I am rejecting this response because: The reason that was stated about my credit report contains to many inquiries is incorrect information and thats according to TransUnion. I had my credit report pulled and spoke with ********* that day and I have one inquiry. The bank isnt telling the truth about my credit report and I believe the bank just doesnt want to give me credit. This matter should be looked into because the information should be corrected.
  
  Sincerely,
  
  *********************

• Initial Complaint

  Date:12/31/2022

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This complaint is against goldman sachs bank *** is reporting deliquent and late payments to transunion llc on each credit card ending in ********************* **** card ending in ******************** **** account ending in **** and account ending in **** entire balances were in dispute is the reason for non payments status i was told by dispute department to not pay anything intil i recieved final dispute outcome.i called in and was told they will update and removed all negative remarks and deliquent status on all four account when there current as of today there current but on december 29, 2022 all four accounts were reported negative even thou i am current.my credit and credit score has been ruined and i cannot obtain the auto loan needed if marcus by gs doesnt removed thoes late histories and deliquent remarks.dispute team insurred me that they will update each account to transunion llc all my accounts are current and ask for corrections to all credit agencies so i can proceed in obtaining my auto loan needed.thank you in advance

• Initial Complaint

  Date:12/31/2022

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Yesterday, I tried to open a 12 month 4.3 percent CD on Marcus.com with funds of 20,000 dollarsI was unable to do it online, so I called the customer service number. I initially spoke to a person who seemed to help but after about. 35 minutes, she disconnected. I called the service number again, and spoke again to a different person, starting the process over again. Her name was Ashanti. She took my number to be able to call me back in case we would get disconnected. She made a mistake and put the money in a savings account. I told her this mistake and she then disconnected (we had been on the phone for over an hour) She did not call back, so I called the service number again. This time, I asked for a manager. I spoke to a person called Britney, who was initially helpful, but then claimed that she could not release the funds for 9 days. I told her that the mistake was Marcus's, which she acknowledged. She claimed to need to speak to management and was going to call me back in about 2 hrs. She never called back. I called again today, and spoke to another manager, called Victoria. She also claimed that she could not release the funds and suddenly disconnected.

  Business Response

  Date: 01/06/2023

  BBB
  Response *******
  ID ********
  Marcus by Goldman
  Sachs, a brand of Goldman Sachs Bank USA (the “Bank”), received the
  above-referenced complaint via the Better Business Bureau Complaint Portal on December
  31, 2022. The Bank appreciates the opportunity to address the concerns raised
  by ***** ******* (the “Customer”) regarding an incorrect correct transfer.
  
  On December 30, 2022, the Customer requested
  assistance funding a Certificate of Deposit (“CD”) account. Unfortunately, due
  to a technical error, a Bank Specialist inadvertently funded the Customer’s
  Online Savings Account (“OSA”) instead of the CD account. Accordingly, the same
  day, the Customer requested to transfer the funds from the OSA to their CD
  account. However, per the Bank’s Deposit Account Agreement, funds are generally
  available on the third business day after the day the ACH transfer is received
  by the Bank. Therefore, a Bank Specialist advised the Customer that the funds should
  be available to transfer on January 6, 2023. The Bank has credited a token of
  good will to the Customer’s OSA for their experience and to cover the
  difference in interest between the OSA and CD.
  
  Based
  on the above details, the Bank kindly request this complaint to be closed.

• Initial Complaint

  Date:12/29/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Called credit card company prior to deliquency to enroll in covid hardship program around aug/sept 2021. I was told I was eligble for covid assistance program for customers and asked to be enrolled. I was told by enroolling in the program it would prevent my account from going over 30 days past due and would not need to make a payment. A month or so later, I recieved an alert that my account was over ******************************** a covid program. Spoke with several agents and was finally transferred to management where I requested the phone call be pulled. Manager called back around dec and advised he would reverse the reporting after hearing the phone call and to give them 30 days. After some time I called back again to advised this should of been fixed. ************ said they would get it fixed but never did. Tried to get this fixed with credit karma but to know avail. I would like to have late payments removed from my account since agent verbally told me I was in covid program and that I wouldn't have an amount due but it was never done which impacted my credit.

  Business Response

  Date: 01/05/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on December 29, 2022. We appreciate the opportunity to address the concerns raised by ******************* (the Customer) related to Credit Reporting for the Apple Card.
  ******** conducted an investigation and confirmed no Bank error occurred. On September 24, 2021, the Customer contacted the Bank to get details on the past due balance. ******** representative advised the Customer that the past due amount was $140.91, and the total amount due was $293.82. ******** representative advised the Customer that interest was accruing on the non-Apple Card Monthly Installment balance, and that the account did not qualify for the Customer Assistance Program, which would have brought the total amount due for September 2021 to $0.00, and waived any interest accrued. The Customer was advised that they can contact the Bank in the future to check eligibility for the Customer Assistance Program. The Customer made a payment for the past due amount totaling $140.91 on September 25, 2021, leaving a remaining amount due of $152.91. No additional payments were made until November 16, 2021, when a payment in the amount of $154.91 posted to the account. As a result, the Bank reported the Customers account past due to the credit reporting agencies. ******** successfully delivered Payment Due Reminders, Missed Payment Reminders, Eligible for Bureau Reporting reminders to the email address on file for the Customer.
  On December 16, 2021, as a courtesy, the Bank refunded interest accrued for September 2021 and October 2021 totaling $101.30. On December 23, 2021, a Bank representative contacted the Customer in response to a Customer Survey. The Customer requested that the past due reporting be removed from their credit report. ******** representative advised that a credit bureau dispute could be initiated, however, the representative never advised that the dispute would be resolved in the Customers favor. On January 11, 2022, the credit bureau dispute was resolved, and the Bank confirmed the account was reported correctly. The account has been reported accurately to the credit bureau reporting agencies. ******** is obligated to report accurately to credit reporting agencies. ******** is unable to remove the late payment reporting from the customers credit report.
  Based on the above details, we kindly request this complaint be closed.

  Customer Answer

  Date: 01/10/2023

   
  Complaint: 18651111
  
  I am rejecting this response because: Your respsonse is very in accurate and untruthful. It was public knowledge that goldman sachs/apple was assisting customer during covid. I specifically called during that time because I too like many americans were going through a financial hardship due to covid. I did ask how many days past due were I during the phone call but I also specifically asked about being enrolled in the program. After letting the rep know my concern is to not have my account go over 30 days which would impact my credit, I was told they would do a payment deferrement. It was only until later when I saw that my account was over 30 days past due. I called back several times and asked to speak to a manager to have the call pulled. There would be no way I would accept having interest removed from account over a hard /negative impact on my credit. I will ask that you pull the call again in september to verify what was told to me on the phone. Anyone can type something into the notes but the audio should be pulled and verified. I know exactly what I was told and that should be honored.  
  Sincerely,
  
  *******************

  Business Response

  Date: 01/17/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on January 10, 2023. ******** appreciates the opportunity to address the concerns raised by ******************* (the Customer) related to Credit Reporting for the Apple Card.
  ******** conducted an investigation and confirmed no Bank error occurred. The August 2021 statement shows a minimum amount of $293.82 was due on September 30, 2021. On September 24, 2021, six (6) days prior to the due date, the Customer contacted the Bank to get details on the past due balance. ******** representative advised the Customer that the past due amount was $140.91, and the total amount due was $293.82. ******** representative advised the Customer that interest was accruing on the non-Apple Card Monthly Installment balance, and that the account did not qualify for the Customer Assistance Program. The Customer was advised that they can contact the Bank in the future to check eligibility for the Customer Assistance Program.
  The Customer made a payment for the past due amount totaling $140.91 on September 25, 2021, leaving a remaining amount due of $152.91. No additional payments were made until November 16, 2021, when a payment in the amount of $154.91 posted to the account. As a result, the Bank reported the Customers account past due to the credit reporting agencies. ******** successfully delivered Statements, Payment Due Reminders, Missed Payment Reminders, and Eligible for Bureau Reporting reminders to the email address on file for the Customer.
  If the account would have qualified for the Customer Assistance Program in September 2021, interest charges from the previous statement period would have been refunded and credited to the account, however, a payment would have still been required by September 30, 2021. On December 16, 2021, as a courtesy, the Bank refunded interest accrued for September 2021 and October 2021 totaling $101.30.
  The account has been reported accurately to the credit bureau reporting agencies. ******** is obligated to report accurately to credit reporting agencies. ******** is unable to remove the late payment reporting from the customers credit report.
  Based on the above details, we kindly request this complaint be closed.

  Customer Answer

  Date: 01/19/2023

   
  Complaint: 18651111
  
  I am rejecting this response because: There was no mention that I did not qualify for payment assistance due to covid. Please provide me or the BBB audio of the call where the rep told me I wasn't eligible. 
  
  Sincerely,
  
  *******************

  Business Response

  Date: 01/26/2023

  
  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on December 29, 2022. We appreciate the opportunity to address the concerns raised by ******************* (the Customer) related to Credit Reporting for the *********************** conducted an investigation and confirmed no Bank error occurred. On September 24, 2021, the Customer contacted the Bank to get details on the past due balance. The Bank representative advised the Customer that the past due amount was $140.91, and the total amount due was $293.82. The Bank representative advised the Customer that interest was accruing on the non-Apple Card Monthly Installment balance, and that the account did not qualify for the Customer Assistance Program, which would have brought the total amount due for September 2021 to $0.00, and waived any interest accrued. The Customer was advised that they can contact the Bank in the future to check eligibility for the Customer Assistance Program. The Customer made a payment for the past due amount totaling $140.91 on September 25, 2021, leaving a remaining amount due of $152.91. No additional payments were made until November 16, 2021, when a payment in the amount of $154.91 posted to the account. As a result, the Bank reported the Customers account past due to the credit reporting agencies. The Bank successfully delivered Payment Due Reminders, Missed Payment Reminders, Eligible for Bureau Reporting reminders to the email address on file for the Customer.
  On December 16, 2021, as a courtesy, the Bank refunded interest accrued for September 2021 and October 2021 totaling $101.30. On December 23, 2021, a Bank representative contacted the Customer in response to a Customer Survey. The Customer requested that the past due reporting be removed from their credit report. The Bank representative advised that a credit bureau dispute could be initiated, however, the representative never advised that the dispute would be resolved in the Customers favor. On January 11, 2022, the credit bureau dispute was resolved, and the Bank confirmed the account was reported correctly. The account has been reported accurately to the credit bureau reporting agencies. The Bank is obligated to report accurately to credit reporting agencies. The Bank is unable to remove the late payment reporting from the customers credit report.
  Based on the above details, we kindly request this complaint be closed.

  Customer Answer

  Date: 01/27/2023

   
  Complaint: 18651111
  
  I am rejecting this response because: The initial verbal conversation I was told by rep that they would put me on a covid program so that I would not got over 30 days. As a company you are supposed to offer the best option for the consumer. During this time you guys had a covid -19 program is that correct or incorrect? if you look at my account prior to that I didn't have any derogatory marks on my account until I was misinformed. I would never let my account go over 30 days past due twice back to back. I specifically called in to asked about what goldman sachs can do to assist customers affected by the virus that affected many and what do I need to do to prevent the account from going over 30 days. Your representative job is to make sure the customer needs are addressed and not effect them negatively. So I'm trying to understand why would I agree to having interest being waived which doesn't resolve the first issue which is to stop the account from reaching 30 days? I'm not accepting this under any circumstances because I know you apple was assisting customers during those hard times and I know what I was told . I've asked over and over again to let the BBB hear the phone call of me calling in and asking to have the months skipped. You taking interest off is not a courtesy to someone who was calling about not being delinquent. 
  
  Sincerely,
  
  *******************

• Initial Complaint

  Date:12/26/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I opened this card with my wife and we had issues with the cards off the bat. Her card was activated but kept getting declined. She ****** customer service, they said it was fine then issued a new card and we attempted to make purchases with many declines. When she got her new card we found the account was closed and when we tried to get info no one would give it to us. I am requesting you to look at the payment history on this card and reopen the account. The issues we experienced when this account was opened was ridiculous. Check your records of the problems we had. No one would give us any answers

  Business Response

  Date: 12/29/2022

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the ** Card via the Better Business Bureau (BBB) Complaint Portal on December 27, 2022. We appreciate the opportunity to address the concerns raised by *************************** (the Customer)related to the closure of a My ** Rewards Card account.

  The Bank conducted an investigation and confirmed no error has occurred. The Customers concern references the closure of their My ** Rewards Card account. As part of the Banks review process, the Bank identified red flags related to the Customers account. Based on an investigation, and in accordance with the ** Card Customer Agreement, the Bank closed the account and sent the Customer an email informing of the account closure on April 21, 2022. The Bank is unable to provide additional information related to the investigation.

  Based on the above details, we kindly request this complaint to be closed.

• Initial Complaint

  Date:12/23/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Marcus bought out my credit card. My credit card was paid off I n full to the previous owner of the card. Marcus sent me a bill with a charge on it for around ***** dollars and also billed me an overage/non payment/ late fees/charges and are continue to charge fees. I do not owe them anything, again, my card was paid off with previous owner but wanted to keep my card. My card only had a 500 dollar limit from the previous owner and Marcus kept it the same. I have reached out to Marcus several times and they insist I owe all money due to them. MARCUS is in the wrong and damaging my credit. My credit score has since dropped over 200 points. Its beeen going on for several months without resolution. Please help. I would like to see my balance back at zero and they fix all negative remarks that have damaged my credit. I have worked very hard over the past few years to increase.

  Business Response

  Date: 12/29/2022

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the ** Card via the Better Business Bureau (BBB) Complaint Portal on December 24, 2022. We appreciate the opportunity to address the concerns raised by ******************* (the Customer)related to interest charges and past due fees.
  The Bank conducted an investigation and confirmed no bank error. The account was paid in full when the transition occurred from the previous financial institution to the Bank on February 18, 2022. A transaction posted to the account on March 20, 2022, in the amount of $10.57 using the previous financial institutions physical card. A payment was not received for the due date of April 22, 2022, resulting in a late fee in the amount of $9.66 and an interest fee in the amount of $0.19 on April 25, 2022. The late fee of $9.66 was credited back to the Customer on May 9, 2022, as a courtesy. A new transaction posted to the account on May 25, 2022, in the amount of $15.99 and a full statement amount payment in the amount of $52.86 was received on July 16, 2022 putting the account at zero balance.
  Multiple new transactions posted to the account from July 17, 2022 to August 3, 2022 using the previous financial institutions physical card. The last payment received on the account was July 27, 2022 in the amount of $1.00 which did not satisfy the minimum due of $29.00 due by August 22, 2022.Currently the Bank is unable to credit any late fees or interest. The Bank has attempted to contact the Customer multiple times but were unsuccessful. If further assistance is needed for these transactions, customer service representatives are available 24/7 online by chat or by calling ************.
  Based on the above details, we kindly request this complaint to be closed