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:10/31/2023

  Type:Order 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 have asked this business a plethora of times for a copy of my any contract/agreement established with this account as well all statements/documents associated with the months allegedly claiming I was late. Months letter still no documents so I am now requesting the documents be provided electronically. They continuously lie about sending them out via mail.

  Business Response

  Date: 11/06/2023

  Goldman Sachs Bank USA (the “Bank”) received the above-referenced complaint
  related to Apple Card via the Better Business Bureau (“BBB”) Complaint Portal
  on October 31, 2023. The Bank appreciates the opportunity to address the
  concerns raised by ***** ******** (the “Customer”) related to debt validation
  for Apple Card.
  
  The Bank conducted an investigation and confirmed no Bank error occurred.
  According to the Bank’s records, the Customer opened the account on December
  25, 2019. During the application process, the Customer is provided with and
  must consent to the Apple Card Terms and Conditions, which discloses that the
  Customer agrees that the Bank may report information to the Credit Reporting
  Agencies regarding the account, which includes but is not limited to Late
  Payments, Missed Payments, or other defaults on the account.
  
  The Customer’s account did not receive the required minimum payment due for
  the months of March 2020, April 2020, May 2020, June 2020, July 2020, August
  2020, and September 2020. The Bank sent Payment Due Reminders, Missed Payment
  Reminders and Eligible for Bureau Reporting reminders to the email address
  associated with the Apple ID provided by the Customer when the Apple Card
  account was opened. As a result, the Bank reported the account to the credit
  reporting agencies as past due. The Customer’s account was charged off on
  September 30, 2020.
  
  The Bank has no record of the Customer requesting debt validation prior to
  October 31, 2023. The Bank sent the Customer the requested documents
  validating the Customer's debt including a copy of the Apple Card Customer
  Agreement and 10 months of statement history showing records of transactions
  and payments to validate the balance and the debt owed on November 1, 2023.
  The Customer is responsible for the balance on the account of $4,602.05
  provided in the latest statement from October 2020.
  
  Based on the above details, the Bank kindly requests for this complaint to be
  closed.

• Initial Complaint

  Date:10/29/2023

  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.

  On 10/11/2023 my husband **** and I authorized our banking institution Prospera Credit Union to pay in full the balance of our creidt card for $4,422.29.
  On 10/12/2023 Prospera Credit Union mailed a cashier's check to Goldman Sachs in which the cashier's check was cashed with a Goldman's Sachs endorsement on 10/17/2023. My due date for the credit card was 10/21/2023. The payment has not been applied to my account and unlawful additional interest charges have been added to the account on 10/25/2023. I called Prospera Credit Union on 10/23/2023 to request documentation for the payment to find out why my balance had not been paid in full. On 10/24/2023 I called Goldman Sachs customer service to inquire on where the payment was as it was not applied to my account. They stated they could not find the payment and would investigate it. I have called everyday as there has not been any resolution and they fail to call me back as promised over and over again each day. I want the payment of $4,422.29 applied to my account, the $84.61 interest charges removed and the goodwill monetary gesture they promised honored. Multiple 2 day timers and 12 hour timers of return phone calls have not been honored on Goldman Sachs behalf. Please help me resolve this issue. I have provided them with the cancelled cashier's check with Goldman Sachs endorsement and yet they have NOT started to even resolve this issue.

  Business Response

  Date: 11/03/2023

  Goldman Sachs Bank USA (the “Bank”) received the
  above-referenced complaint related to the GM Card via the Better Business
  Bureau (“BBB”) Complaint Portal on October 29, 2023. The Bank appreciates the
  opportunity to address the concerns raised by ********* **** (the “Customer”)
  related to a missing payment and customer service.
  The Bank conducted an investigation and confirmed no Bank
  error occurred. The Customer contacted the Bank on October 24, 2023, reporting
  a missing check payment of $4,422.29. The Bank initiated an investigation to be
  completed within 10 business days. The Bank located the payment on October 30,
  2023, and posted to the account with a received date of October 17, 2023.
  Interest credits totaling $23.72 posted to the account on October 30, 2023. The
  Bank advises the Customer to include a full name and 16-digit card number with
  future payments to prevent delays.
  During the investigation into the missing payment, an
  inadvertent communication error occurred. The Bank reviewed the interactions
  and found requested callbacks were not completed in a timely manner. The Bank
  apologizes for the delay and provided a $25.00 courtesy credit on November 2,
  2023. The Bank is unable to provide further monetary compensation.
  Based on the above details, the Bank kindly requests for
  this complaint to be closed.

  Customer Answer

  Date: 11/07/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:

  Goldman Sachs charged additional interest on 10/25/2023 that totaled $84.61.  The interest was charged even though the balance was paid in full by the cashiers check our bank sent on our behalf that Goldman Sachs cashed on 10/17/2023.  My due date was 10/21/2023.  I do not feel that it is lawful to charge interest on a zero balance.  $60.89 was the remainder of the $84.61 that Goldman Sachs would not correct.

  
  
  
  Sincerely,
  
  
  
  ********* ****

  Business Response

  Date: 11/09/2023

  Goldman Sachs Bank USA (the “Bank”) received the
  above-referenced complaint related to the GM Card via the Better Business
  Bureau (“BBB”) Complaint Portal on November 7, 2023. The Bank appreciates the
  opportunity to address the concerns raised by ******** **** (the “Customer”)
  related to interest charges.
  As provided in the Bank’s previous response, the Bank
  conducted an investigation and confirmed no Bank error occurred. The Customer
  contacted the Bank on October 24, 2023, reporting a missing check payment of
  $4,422.29. The Bank initiated an investigation to be completed within 10
  business days. The Bank located the payment on October 30, 2023, and posted to
  the account with a received date of October 17, 2023. Interest credits totaling
  $23.72 posted to the account on October 30, 2023. The Bank advises the Customer
  to include a full name and 16-digit card number with future payments to prevent
  delays.
  To avoid interest charges, customers are required to pay the
  monthly balance in full as of the end of the previous cycle by the due date
  every month. If the monthly balance is not paid in full on or before the due
  date, customers are charged interest on the monthly balance for the days until
  the customer fully pays it off. This is also known as “trailing interest.”
  Additional details regarding how the Bank calculates interest can be found in
  the GM Card Customer Agreement.
  According to the Bank’s records, the account was not paid in
  full for the statement generated on August 24, 2023, with a due date of
  September 21, 2023. As a result, the Customer was charged $88.79 of interest.
  Since the Customer did not pay the August monthly balance in full, the Bank
  charged interest on the September balance for the days until the Customer fully
  paid the monthly balance. The Customer paid the September monthly balance in
  full with the check payment on October 17, 2023, so was charged interest on the
  balance until that date. As a result, the remaining interest of $60.89 is the
  trailing interest charged on October 24, 2023. The Bank is unable to provide
  further monetary compensation.
  Based on the above details, the Bank kindly requests for
  this complaint to be closed.

  Customer Answer

  Date: 11/09/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:

  The cashiers check provided full account payment.  $84.61 interest charges were applied on 10/25/2023.  If the balance was paid in full no interest charges should have been applied on 10/25/2023.  Goldman Sachs should credit back the remaining $60.89.  

  
  
  
  Sincerely,
  
  
  
  ********* ****

• Initial Complaint

  Date:10/26/2023

  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.

  In my prior correspondence, I expressed doubts regarding the accuracy of the negative accounts detailed in my consumer report. Despite earlier investigations, these accounts remain unresolved, significantly impacting my credit profile. It is imperative that as a consumer, I am provided with an accurate representation of my credit history, as mandated by the FCRA.
  
  Furthermore, I wish to reiterate that while elements such as payment history, credit utilization, and other pertinent factors play a pivotal role in credit scoring models like FICO, they are distinct from the contents of my consumer report. These factors are used to assess creditworthiness, and their influence should not overshadow the veracity of information present in my consumer report.
  
  Considering the FCRA, I draw your attention to 15 USC 1681A, a critical provision outlining exclusions from inclusion in a consumer report. It is my contention that the negative accounts under dispute may fall within the bounds of information that should not be reported. Citing the relevant section from 15 USC 1681A:
  
  "The term report containing information solely as to transactions or experiences between the consumer and the person making the report; communication of that information among persons related by common ownership or affiliated by corporate control; or communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons."

  Business Response

  Date: 11/02/2023

  Goldman Sachs Bank USA (the “Bank”) received the above-referenced complaint
  related to Apple Card via the Better Business Bureau (“BBB”) Complaint Portal
  on October 26, 2023. The Bank appreciates the opportunity to address the
  concerns raised by ****** ** ***** (the “Customer”) related to credit reporting
  for Apple Card.
  
  The Bank conducted an investigation and confirmed due to a processing error,
  the Customer was incorrectly reported to the credit reporting agencies after
  being removed as a Participant. The Customer agreed and was added as a
  Participant on another Customer’s Apple Card account on November 3, 2021, and
  agreed to be reported to the credit reporting agencies. On April 28, 2022, the
  Customer was removed as a participant from the Apple Card account. However due
  to the processing error, the Apple Card the Customer was removed from was still
  being reported. The Bank submitted a request on October 30, 2023, to remove the
  adverse credit reporting after April 28, 2022, and update the reporting to show
  the Participant as terminated. The Customer should allow up to 30 days for the
  change to reflect on the credit reporting. The Bank is unable to remove any
  reporting prior to the Customer’s removal from the Apple Card account. The Bank
  regrets the frustrations the Customer has experienced.
  
  Based on the above details, the Bank kindly requests for this complaint to be
  closed. 

• Initial Complaint

  Date:10/25/2023

  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.

  On 08-04-23 at 4:05 PM I made a purchase at Giant Eagle, **** ** **** **.., Erie, PA 16505. My credit card was denied three times so I paid for my order in cash, $57.02. I called Marcus at 4:36 PM and I spoke with Syed (spelling?) about my GM card and I was told there were no problems with my card. He said the amount had not yet posted and that I needed to check later in the day to see if it processed, which it did show up on my account. On 08-05-23 I initiated a dispute with Nyelli (sp?) and I was told to contact Giant Eagle. I was given a temporary credit and they would check with the merchant; they also said it could take up to 60-90 days to resolve and I would be contacted when they made their decision. I went back to the store and spoke with Angela at the C/S desk & she said the store couldn't help me. On 08-07-23 I uploaded a copy of my cash receipt to Marcus. On 10-24-23 my dispute was denied so I called again, i spoke with Adi (sp?) and she said she would resubmit my claim, she could see that I had paid cash, and she would annotate my account and submit to her superior for a review I have not received any additional feedback from Marcus.

  Business Response

  Date: 11/02/2023

  Goldman Sachs Bank USA (the “Bank”) received the
  above-referenced complaint related to the GM Card via the Better Business
  Bureau (“BBB”) Complaint Portal on October 26, 2023. The Bank appreciates the
  opportunity to address the concerns raised by ***** ********* (the “Customer”)
  related to a transaction dispute of $57.02 with the merchant Giant Eagle.
  The Bank conducted an investigation and confirmed an
  inadvertent processing error occurred. The transaction posted to the account on
  August 5, 2023. The Customer initially opened the dispute on August 5, 2023.
  The Bank applied a temporary credit while the dispute was investigated. Due to
  an inadvertent processing error, the Bank resolved the dispute in favor of the
  merchant even though the Customer and the merchant provided evidence of the
  purchase being completed via cash. The Bank reversed the temporary credit on
  the Customer's account on October 24, 2023. The Bank sent the Customer an email
  detailing the dispute outcome.
  The Bank reopened the dispute on October 26, 2023, and
  applied a temporary credit while the dispute was investigated. Based on the
  investigation and the evidence provided by the Customer and the merchant, the
  Bank resolved the dispute in favor of the Customer and the temporary credit was
  made permanent on October 30, 2023. The Bank sent the Customer an email
  detailing the dispute outcome. The Bank regrets the frustrations experienced by
  the Customer.
  Based on the above details, the Bank kindly requests for
  this complaint to be closed.

  Customer Answer

  Date: 11/02/2023

  
  
  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:10/23/2023

  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 am writing to file a formal complaint against Apple Credit Card for an unauthorized charge of $29.99 and their subsequent failure to address my concerns.Unauthorized Charge: I discovered a $29.99 charge on my Apple Credit Card account, for which no email receipt was provided, and no details were visible on the mobile app.Inadequate Customer Support: I found it extremely challenging to locate a customer service contact for Apple. The contact number is not clearly listed on their website and turns out to be for Goldman Sachs, not Apple.Dismissive Support Staff: Upon reaching out to Goldman Sachs, the representative was condescending and unhelpful. My call was terminated without resolving the issue.Unhelpful ***************** My attempts to seek help on the *************** Webpage were fruitless. I was directed to another Apple site with conflicting information, stating that issues must be addressed in writing and mailed.This experience is unacceptable and portrays both Apple and Goldman Sachs in a highly unprofessional manner. I am seeking your intervention to facilitate direct and effective communication with either Apple or Goldman Sachs to resolve this unauthorized charge.Your prompt attention to this matter would be highly appreciated.

  Business Response

  Date: 10/30/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on October 23, 2023. The Bank appreciates the opportunity to address the concerns raised by ******************* (the Customer) related to transactions with the Merchant Apple in the amount of $29.99.
  
   The Bank conducted an investigation and confirmed no Bank error occurred. The Bank confirmed the Merchant Apple attempted to post a transaction in the amount of $29.99, however, the transaction was declined due to the account being overlimit. The Bank does not receive specifics on what transactions on the account are for from the Merchant Apple. The Customer should contact Apple directly with questions or concerns related to the transaction. As a result of the transaction declining, the Bank was unable to dispute the transactions.
  
  The Customer can contact the Bank directly to dispute posted transactions. The Bank is available by phone at ************** or by message from the Wallet app. The Bank is available 24 hours a day, 7 days a week. The Bank contacted the Customer on October 23, 2023, and addressed the Customers concerns. The Bank conducted a review of the interaction with the Customer on October 20, 2023, and confirmed the Customer was not provided with satisfactory ***************** The Bank regrets the frustrations this Customer has experienced.
  
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:10/21/2023

  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.

  I called Aug. 2023 to pay off my credit card. I was told to call back on Aug. 31, 2023 because it would it be cheaper. So I called on Aug. 31,2023 to pay off my credit card. This time I was told $3641.31 would pay off my credit card expect for the $198.77 is what i owe on my iphone. I waited a few days kept watching for my credit card to go to zero balance and it never did. So I called back towards the end of the week of Sept. 2023 and I asked about the charges still showing, I was told it can take up to 2wks before it goes to zero balance. I was ready to pay off my iphone and I was told I had to wait till my credit card goes to zero balance. Now this has became an issue because now I'm being told I owe this balance that keeps adding up due to the interest. I spoke with ********* (manager) he supposed to check into this and either call or email never heard from him. So I called Oct. 9, 2023 spoke with **** and I explained everything to her she told me my next step was to file a complaint since ********* didn't follow throught, so I did. All I wanted to do is to pay off my iphone is what I have left to pay on my Apple credit card (Goldman Sachs). Noone won't accept my payment. I'm willing to pay the $198.77 and nothing more because I was told that's all I owe not $5 hundred and some dollars.

  Business Response

  Date: 10/27/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on October 22, 2023. ******** appreciates the opportunity to address the concerns raised by ******************************* (the Customer)related to payments, customer service, interest charges, and account balance.
  
  ******** conducted an investigation and confirmed inadvertent communication errors occurred. The Customer contacted the Bank on August 29, 2023, August 31,2023, and September 2, 2023. The Customer was not provided with billing explanations.
  
  The total balance shown on the statement generated July 31, 2023, was $3,862.08, with a monthly balance of $3,666.31 and a due date of August 31,2023. The total balance on the account included the remaining balance present on Apple Card Monthly Installment plans. The Customer was provided with the accurate total and monthly balances during interactions on August 29, 2023, and August 31, 2023. The Customer opted to pay the remaining monthly balance of $3,641.31 on August 31, 2023, but did not pay the entirety of the total balance shown on the July statement or new purchases made in August. As a result, the total balance shown on the statement generated August 31, 2023, was $579.77,with a monthly balance of $403.66 and a due date of September 30, 2023. Monthly statements can be viewed in the Wallet Application or online by logging in using the Apple ID associated with the account at card.Apple.com. ******** confirmed that the balance is correct and accurate.
  
  To avoid interest charges, customers are required to pay the monthly balance in full as of the end of the previous month by the due date every month. If the monthly balance is not paid in full on or before the due date, customers are charged interest on the monthly balance for the days until the customer fully pays it off. This is also known as trailing interest. Additional details regarding how the Bank calculates interest can be found in the Apple Card Customer Agreement. The Customer was charged trailing interest charges of $82.47 on August 31, 2023, and $8.62 on September 30, 2023. The Customer may see an additional trailing interest charge on the upcoming statement.
  
  As a courtesy, the Bank applied credits of $25.00 on August 31, 2023, and $66.09 on October 25, 2023. ******** is unable to provide further compensation.******** contacted the Customer on October 25, 2023, to provide an accurate billing explanation and scheduled a payment for the Customer. ******** regrets the frustrations the Customer experienced.
  
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:10/20/2023

  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 by Goldman Sachs accepted my money online on January 7, 2023 to open up a 6-month CD, a 1-year CD, and a high-yield savings account. Roughly a month later my account was closed for reasons still undiscerned, and now they refuse to return my funds to my sending account. They have essentially robbed me.

  Business Response

  Date: 10/27/2023

  BBB Response ****** ID ********
  **********************, a brand of Goldman Sachs Bank *** (the Bank), received the above referenced complaint via the Better Business Bureau Complaint Portal on October 20, 2023. The Bank appreciates the opportunity to address the concerns raised by *************************** (the Consumer) related to accessing their ************** Account (***) and certificate of Deposit Accounts (CD).
  On January 7, 2023, an individual opened an *** and two CDs with the Consumers information. On January 11, 2023, the Bank reviewed the accounts, identified security concerns regarding the Consumers identity, restricted the accounts, and opened an investigation.
  On February 19, 2023, the Bank completed the investigation and closed the *** and CDs.
  Based on the above details, the Bank kindly request this complaint to be closed.

  Customer Answer

  Date: 10/30/2023

   
  Complaint: 20762632
  
  I am rejecting this response because:

  Although the bank DID indeed close my accounts, it however, has NEVER returned $7,500 of my funds to me. All I am asking is that Goldman Sachs RETURNS my remaining $7,500 to me by either ACH transfer back to my original (sending) account, or by issuing me a cashier's check and sending it via certified mail to my address on file with them (and the BBB). All I want is my money returned to me. Please help me to expedite this and THEN I would not mind my complaint being closed. Thank you... 
  
  Sincerely,
  
  ***************************

  Business Response

  Date: 11/07/2023

  BBB Response ****** ID ********
  **********************, a brand of Goldman Sachs Bank *** (the Bank), received the above referenced complaint via the Better Business Bureau Complaint Portal on October 31, 2023. The Bank appreciates the opportunity to address the concerns raised by *************************** (the Consumer) related to accessing their ************** Account (OSA) and Certificate of Deposit Accounts (CD).
  Per the Banks previous response, after identifying security concerns regarding the Consumers identity, the Bank completed an investigation and closed the accounts on February 19, 2023. After further review, as an alternative verification method, the Bank is requesting an Affidavit of Identity ***** to be completed by the Consumer. The Bank is currently in the process of mailing the *** to the address on file.
  Based on the above details, the Bank kindly requests this complaint to be closed.

  Customer Answer

  Date: 11/10/2023

   
  Complaint: 20762632
  
  I am rejecting this response because:
  

  I have filled out NUMEROUS affidavits of identity prior to this, all to no avail. In fact, I within the last two weeks filled out another one AND attached a copy of my valid *************** ID and I STILL have not received my funds!!! Marcus by Goldman Sachs needs to check it's mail for that ****

   

  PLEASE do NOT close this complaint UNTIL AFTER they returned my funds!!! 
  Sincerely,
  
  ***************************

  Business Response

  Date: 11/20/2023

  BBB Response ****** ID ********
  **********************, a brand of Goldman Sachs Bank *** (the Bank), received the above referenced complaint via the Better Business Bureau Complaint Portal on November 13, 2023. The Bank appreciates the opportunity to address the concerns raised by *************************** (the Consumer) related to accessing their ************** Account (OSA) and Certificate of Deposit Accounts (CD).
  Per the Banks previous response, after identifying security concerns regarding the Consumers identity, the Bank completed an investigation and closed the accounts on February 19, 2023. After further review, as an alternative verification method, the Bank is requesting an Affidavit of Identity ***** from the Consumer which the Bank mailed on November 7, 2023.
  Based on the above details, the Bank kindly requests this complaint to be closed.

• Initial Complaint

  Date:10/20/2023

  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.

  Return Mail to:
  Rosemary Cooper, Notary Public/
  Officer of the Court
  C/o **** ********** ***  Macon,GA 30201
  
  I am a victim of Identity Theft. GOLDMAN SACHS & CO has obtained my financial identifying information by way of Identity Theft in accordance with O.C.G.A 16-9-12(a)(1) and has shared my information with its contracted customers EQUIFAX, EXPERIAN, & TRANSUNION in which they unlawfully included this alleged account in my consumer report in exchange for monetary compensation. I have no knowledge of this alleged account that you are furnishing to the credit bureaus: Account Number# ************. I have never applied to use any of your services. I have never given anyone permission or a permissible purpose to use my personal information to apply to any account. I have sent Affidavits Certified Mail Return Receipt Requested along with an Affidavit of Mailing to GOLDMAN SACHS AND CO that have gone unrebutted. In commerce, an unrebutted an Affidavit stands truth. If the claims you are making are true, I need someone who can bind your corporation to sign an Affidavit under penalty of perjury so that I may hold someone liable for making false claims against me. Punishing me for non repayment of a debt by furnishing nonpublic information without my consent to unauthorized third parties as a means to ruin my financial reputation is a violation of 18 USC 894, which the furnisher could be criminally held liable for 20 yrs for collections of extensions of credit by extortionate means. No Consent gives grounds to Identity Theft and 18 USC 1028 makes it a crime to misuse someone's identifying information, whether personal or financial.
  
  Attached are documents i.e. FTC Identity Theft Report to substantiate my claim. Cease all reporting of this fraudulent account. Delete and purge me from your system.
  
  Be advised and noticed a copy of this letter has been forwarded to the IRS Criminal Investigation Department, Attorney General of Georgia and the Federal Trade Commission.

  Business Response

  Date: 10/27/2023

  Goldman Sachs Bank USA (the “Bank”) received the
  above-referenced complaint related to the GM Card via the Better Business
  Bureau (“BBB”) Complaint Portal on October 20, 2023. The Bank appreciates the
  opportunity to address the concerns raised by ******* ***** (the “Customer”)
  related to a GM Card opened without authorization.
  The Bank confirmed the account was booked on October 21,
  2022. The account is currently under review. The Bank requires additional time
  to complete the investigation. If the Customer has any additional questions or
  concerns, the Customer can contact the Bank directly via chat by logging in
  online at marcus.com and/or via phone by calling ###-###-####.
  Based on the above details, the Bank kindly requests for
  this complaint to be closed.

  Customer Answer

  Date: 10/30/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: I have no knowledge of the alleged  account or any login details to that alleged account. Not to mention, it’s listed under a address that doesn’t belong to me nor have I ever stayed and all three bureaus have indeed flagged the address as fraudulent. The account was opened without my consent, authorization or permissible purpose using my confidential information. I have no way of knowing any login information for the alleged account with Marcus by Goldman Sachs. All I have is the account’s number and that is due to it being listed on my consumer report. Experian, Equifax, Transunion and Plaid, are all paid services that you (Marcus by Goldman Sachs) use which have all agreed that they have been apart of a data breach 2022 & 2023 which caused millions of customers, including myself, personal private information to be leaked for hackers, fraudsters and dark web activities. 
  

  Please be Advised and Noticed that punishing me for the repayment of an alleged debt by furnishing nonpublic information without my consent to unauthorized 3rd parties such as Experian, Equifax, Transunion, as a means to ruin my financial reputation, is a violation of 18 USC 894 and the furnishers “Marcus by Goldman Sachs” could be criminally liable for 20yrs.

  Sincerely,
  
  
  
  ******* *****, Attorney in fact

• Initial Complaint

  Date:10/20/2023

  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.

  In accordance with the Fair Credit Reporting act Apple Card- GS BANK US Account #****, has violated my rights.
  
  15 U.S.C 1681 section 602 A. States I have the right to privacy.
  
  15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions.
  
  15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
  
  I demand late payment be remove.

  Business Response

  Date: 10/26/2023

  Goldman Sachs Bank USA (the “Bank”) received the
  above-referenced complaint related to Apple Card via the Better Business Bureau
  (“BBB”) Complaint Portal on October 20, 2023. The Bank appreciates the
  opportunity to address the concerns raised by ******** **** (the “Customer”)
  related to credit reporting.
  The Bank conducted an investigation and confirmed no Bank
  error occurred. According to the Bank’s records, the Customer opened the
  account on February 09, 2022. During the application process, the Customer is
  provided with and must consent to the Apple Card Terms and Conditions, which
  discloses that the Customer agrees that the Bank may report information to the
  Credit Reporting Agencies regarding the account, which includes but is not limited
  to Late Payments, Missed Payments, or other defaults on the account.
  The Bank did not receive the required minimum payment for
  the month of November 2022, and December 2022. As a result, the Bank reported
  the account to the credit reporting agencies as past due. The Bank confirmed
  the credit reporting is correct and accurate, the Bank is obligated to report
  accurately to credit reporting agencies. The Bank is unable to remove the late
  payment reporting from the Customer’s credit report. The Bank successfully
  delivered Payment Due Reminders, Missed Payment Reminders, Early Delinquency
  Reminders, Failed Payment Notifications and Eligible for Bureau Reporting
  reminders to the email address on file for the Customer.
  Based on the above details, the Bank kindly request this
  complaint be closed.

• Initial Complaint

  Date:10/19/2023

  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 has made it impossible to get mmoney out of my account in a profesional and timely way. easy to deposit in but impossible to get it out. iniated an ach request, got consirmation from marcus and supllied the 2 small payment in the edternl account. recuced succes email. thried to use it- all attemps failed. called and got agent to wire funds ( which so far have never arrived). the net day did an ach to send money to chase. got a voice mail from marcus with no explanation as to call. called and next 1 hour 20 minutes was perhaps the most unprofessional experince from agents who clearly new and had no idea how to do their job. hold time was unacceptbale. after all verifcation by marcus system they want to clal bank to verify. the bank could "not" be reached to verify?? they said to wait until next day and it would cnacel oyut- not so. todays calls with ********, she could not even find the wire out and i had to ask multiple time to look at phone recording if she cant fins it. she call bacl 10 minutes later and said she found it. so far it has not been received. the cancel ach did not happen as agent yesterday promised. once that cancel ach is psted account will be closed. this is a claculating and bad faith attempt to let people have access to their money. shame on marcus. is it the systems or the compnay polcy, either way i want o hear from marcus about this awful experince,

  Business Response

  Date: 10/26/2023

  BBB Deposits ***** 20752290
  Marcus by Goldman Sachs, a brand of Goldman Sachs Bank *** (the Bank), received the above
  referenced complaint via the Better Business Bureau Complaint Portal on October 19, 2023. The Bank
  appreciates the opportunity to address the concerns raised by *********************** (the Customer) related to
  transfers from their ************** Account (OSA).
  On October 17, 2023, the Customer contacted the Bank and requested an outgoing wire transfer from
  their OSA to a linked account. On October 18, 2023 during the transfer processing review, the Bank
  identified security concerns and declined the transfer after attempting unsuccessfully to contact the
  Customer to clear security concerns. Later that same day, the Customer contacted the Bank and a Bank
  specialist advised the Customer that the funds can be sent to a linked account.
  On October 19, 2023, the Customer initiated two outgoing transfers from their OSA to two linked
  accounts that the Bank successfully processed the next day.
  Based on the above details, the Bank kindly requests this complaint to be closed.

  Customer Answer

  Date: 10/27/2023

   
  Complaint: 20752290
  
  I am rejecting this response because:

  informaton is not complete and the process of requested transaction was completed days after the banks promise and committment. this is not about standard processing times this is about gross mismanagement without any recourse or ability tp speak to anyone in management.   i again request a call from senior managemnt about this.
  
  Sincerely,
  
  ***********************

  Business Response

  Date: 11/06/2023

  BBB Response ***** 20752290
  Marcus by Goldman Sachs, a brand of Goldman Sachs Bank *** (the Bank), received the above referenced complaint via the Better Business Bureau Complaint Portal on October 30, 2023. The Bank appreciates the opportunity to address additional concerns raised by *********************** (the Customer) related to transfers from their ************** Account (OSA).
  Per the Banks previous response, on October 17, 2023, the Customer contacted the Bank and requested an outgoing wire transfer from their OSA to a linked account. However, during the transfer processing review, the Bank identified security concerns and attempted unsuccessfully to contact the Customer to clear the concerns. Subsequently, the Bank declined the transaction. On October 18, 2023, the Customer contacted the Bank and a Bank specialist advised the Customer that the funds can be sent to a linked account.
  The following day, the Customer initiated two outgoing transfers from their OSA to two linked accounts that the Bank successfully processed on October 20, 2023.
  On November 1, 2023, the Bank contacted the Customer offering additional assistance, but the Customer declined.
  Based on the above details, the Bank kindly requests this complaint to be closed.

  Customer Answer

  Date: 11/07/2023

   
  Complaint: 20752290
  
  I am rejecting this response because:
  The problem has not been resolved. The transactions are complete, but not without any enormous amount of work on my part and enormous amount of erroneous information supplied and conducted by Marcus. I asked to be contacted by member of the management team and that has not happened. I got a call from a person in the contact center who is asking me if I wanted to make another transaction. Clearly nobody has read my complaint. Clearly nobody from management cares about my complaint. This is the last opportunity for someone in management to contact me to understand why working with Marcus was so problematic and why it is led me to an exit. 
  Sincerely,
  
  ***********************