Palo Alto Free Press

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[Palo Alto Free Press @PAFreePress]

A case of reverse discrimination. When we first launched as the first #Latino #BayArea newspaper we were denied equal media access and we caught them on tape @paloaltoweekly @abPAPD @SantaClaraDA @PaloAltoPolice @cityofpaloalto and were still discriminated against #Nicaragua

[Palo Alto Free Press @PAFreePress]

For all businesses, considering running #PromotionalAds on X Corp. (formally known as Twitter) the following has been our unfortunate experience.

@elonmusk First step in the legal process would be the #DemandLetter requesting a refund on our remaining promotional ads @GoldmanSachs @gsbanksupport @FTC @Support #Refund #RefundRequest exhibit 1 https://t.co/GPbbBP7UkZ

[Palo Alto Free Press @PAFreePress]

https://t.co/3PAguZstOn We believe, based on our personal promotional ads and the lack support including questionable business practices is it any wonder….revenue is down 50%.

[NEWS MAKER @NEWS_MAKER]

Scottsdale man says Amex platinum credit card denied his $980 fraud dispute https://t.co/fBczMavlKB

[Palo Alto Free Press @PAFreePress]

Using your credit card can be challenging in some countries. #POS Point of Sale #creditcard

[Palo Alto Free Press @PAFreePress]

@GoldmanSachs @gsbanksupport @AppleSupport @AppleCard has yet again requested “information that may help with your Apple Card transaction dispute”.

This very same information, has been transmitted multiple times, prompting further delays.

After numerous meetings, with GoldmanSachs employee(s) assigned/tasked with resolution, answers cannot be provided as to why the following Twitter ad disputes were credited to our account.

1.D-4615136 $575.36 verified email dated 9/30/22
2.D-4897962 $496.70 verified email dated 10/14/22
3.D-4892413 $604.93 verified email dated 10/28/22
4.D-5441642 $998.43 verified email dated 12/31/22
5.D-5438562 $1,140.59 verified email dated 12/20/22
6.D-5421223 $994.62 verified email dated 12/20/22
7.D-5487423 $991.18 verified email dated 12/19/22
8.D-560266 $193.24 verified email dated 12/14/22
9.D-5602674 $55.28 verified email dated 12/14/22
10. D-5602679 $74.77 verified email dated 12/14/22
11. D-5602683 $63.24 verified email dated 12/14/22
12. D-5602695 $715.38 verified email dated 12/14/22
13. D-5610418 $594.80 verified email dated 12/14/22
14. D-6467807 $797.54 verified email dated 04/07/23
15. D-6467738 $1,027.33 verified email dated 04/07/23

And yet, the remaining Twitter ads disputes below, have not yet been resolved nor credited back to our account and we at are at loss as to why.

1.D-7916786 $1,141.69
2.D-7916778 $931.70
3.D-7916784 $960.96
4.D-7916792 $10.00
5.D-7510778 $205.56
6.D-7515610 $794.86
7.D-7510783 $301.16
8.D-7510786 $319.49
9.D-7523479 $829.20

We were recently contacted by a local attorney who has offered his assistance. Litigation is costly for both sides and we would much rather resolve this dispute without incurring additional cost. But, this remains an option. #CreditCard #CreditCardDispute

[Palo Alto Free Press @PAFreePress]

@GoldmanSachs @DavidSolomon @gsbanksupport Adding to the confusion between credit limit and credit available.

No explanation is provide on a key component to understanding your financial statement. @FTC @SECGov @AppleCard @AppleSupport

An account reconciliation and understating is critical, in managing personal finances.

We believe @GoldmanSachs should ad to the Balance Sheet Statement, the amount in dispute. The delta between credit limit and credit available.

In the case $5,710.92 This would demonstrate responsible banking and transparency.

[Palo Alto Free Press @PAFreePress]

During the course of our Credit-Card dispute. We uncovered the fact that @GoldmanSachs nor @gsbanksupport informed us of our consumer rights. @AppleCard @AppleSupport

Specifically, your rights to appeal the outcome of a dispute investigation.

“Your Rights and the Investigation.” https://t.co/irEwREMWtT

The law allows you to:

“Appeal the decision within the time period the issuer gives you for payment or 10 days of getting the explanation, whichever is later. If you want to appeal, write to the issuer and tell them that you refuse to pay because you still dispute the billing error. But know that, at this point, the issuer can begin collection procedures”.

In its official @GoldmanSachs notice, the notice failed to disclose the appeal process and under the law we believe they have the fiduciary @SEC @FTC responsibility to do so as a banking institution. Furthermore, we allege they skirted the law by not notifying the consumer. (PaloAltoFreePress)

[Palo Alto Free Press @PAFreePress]

@FriedScones Wait a minute.... Do Zebras 🦓 play tenis 🎾

[Palo Alto Free Press @PAFreePress]

@AppleCard @AppleSupport @DavidSolomon Notifying consumers that your credit limit will be reduced by the disputed amount while under investigation is the law:

“May not close or restrict your account (though it can apply the disputed amount against your credit limit) https://t.co/irEwREMWtT

In our case, and no doubt others @GoldmanSachs and it’s banking social media arm @gsbanksupport in our opinion, is in non-compliance of the law. We were never notified. @FTC @SECGov

And there should be consequences! i.e Driving while under the influence #DUI If convicted, license to drive may be taken away.

@FTC should proceed and investigate in the same jurisprudence manner.

Credit Card Accountability Responsibility and Disclosure Act of 2009 (Credit CARD Act) https://t.co/fDhz3wnF5q

[Palo Alto Free Press @PAFreePress]

@gsbanksupport @GoldmanSachs @USDOT @SECGov We believe you have a fiduciary responsibility to explain to your customers any unresolved disputes will impact your credit available. This notification should be included and disclosed to your customers. https://t.co/OxE09TDnAZ

[Palo Alto Free Press @PAFreePress]

@gsbanksupport @GoldmanSachs @Mastercard @AppleCard @SECGov @USDOT Missed two opportunities to demonstrate #BankingTranperency and chose not to.

You chose to reduce my credit availability along with other unsuspecting customers #AppleCard

[Palo Alto Free Press @PAFreePress]

A man by physical force was forced to provide a blood draw leading too his death in a #DUI case. Were his 4th Amendment rights violated? https://t.co/2OJvbmbFFz

In the state of California it has been ruled as “implied consent”. You have the right to refuse. There are consequences. But a death sentence is going way to far.

“Implied consent” continues to be debated right up to the US Supreme Court in the matter of: MITCHELL v. WISCONSIN
#ForthAmentmentRights https://t.co/PaXzJZP6cy

[Palo Alto Free Press @PAFreePress]

11 Pros and Cons of Email for Business Communication. https://t.co/9qy2IilVgE

Shockingly, one of the largest banks in the world, @GoldmanSachs and its customer support team @gsbanksupport do not use email to communicate with is clients or customers. @AppleCard @AppleSupport

“Email communication is one of the most widely used tools in business, and it's important to use it effectively. Proper email communication can save time, offer guidance, show competency and establish a reputation for a person or business. Knowing how and why email is beneficial and how to best use it can help you in nearly any profession or industry.”

What’s more mind boggling, no one in GS management can offer an explanation to the above.

#EmailCommunication #Customer #CustomerSatisfaction #CustomerService #CustomerServiceFail #CustomerCommunication @CharlesSchwab @Chase

[Palo Alto Free Press @PAFreePress]

@GoldmanSachs @gsbanksupport @AppleCard @AppleSupport @DavidSolomon

Credit-Card dispute process should be completely overhauled undated and enhanced to include:

1. A robust secured email system to effectively comunícate with all its customers. Non-existent today.

https://t.co/Bttw8GqbWO center update to route phone-calls automatically to the next employee available. Zero wait time.

3.Implement Zoom, Microsoft teams or WebEx as part of your enhanced communication suite.

4.Discontinue Apple’s frustrating iMessaging communication tool. Thus, eliminating dropped messages, misrouted messages, long wait times.

5.Redesign dispute notification communications forms, to include consumer rights. With a direct link to the Federal Trade Commission for additional information and advise @FTC

This will improve transparency, currently not demonstrated.

6.Clearly and effective communicated length of dispute processing time.

7.Enhanced communication and acknowledgments once supporting dispute evidence has been received. (currently not available)

8.Outcome of investigation dispute materials is only available to US customers. Make this information customer worldwide, thus enhancing transparency and customer service.

[Palo Alto Free Press @PAFreePress]

@SECGov @GoldmanSachs @gsbanksupport @FTC @DavidSolomon @AppleCard @AppleSupport @Twitter @TwitterSupport #CreditCardFraud #CreditCardChargeBack #CreditCardDisputes

[Palo Alto Free Press @PAFreePress]

During the course of our Credit-Card dispute. We uncovered the fact that @GoldmanSachs nor @gsbanksupport informed us of our consumer rights. @AppleCard @AppleSupport

Specifically, your rights to appeal the outcome of a dispute investigation.

“Your Rights and the Investigation.” https://t.co/irEwREMWtT

The law allows you to:

“Appeal the decision within the time period the issuer gives you for payment or 10 days of getting the explanation, whichever is later. If you want to appeal, write to the issuer and tell them that you refuse to pay because you still dispute the billing error. But know that, at this point, the issuer can begin collection procedures”.

In its official @GoldmanSachs notice, the notice failed to disclose the appeal process and under the law we believe they have the fiduciary @SEC @FTC responsibility to do so as a banking institution. Furthermore, we allege they skirted the law by not notifying the consumer. (PaloAltoFreePress)

[Palo Alto Free Press @PAFreePress]

During the course of our Credit-Card dispute. We uncovered the fact that @GoldmanSachs nor @gsbanksupport informed us of our consumer rights. @AppleCard @AppleSupport

Specifically, your rights to appeal the outcome of a dispute investigation.

“Your Rights and the Investigation.” https://t.co/irEwREMWtT

The law allows you to:

“Appeal the decision within the time period the issuer gives you for payment or 10 days of getting the explanation, whichever is later. If you want to appeal, write to the issuer and tell them that you refuse to pay because you still dispute the billing error. But know that, at this point, the issuer can begin collection procedures”.

In its official @GoldmanSachs notice, the notice failed to disclose the appeal process and under the law we believe they have the fiduciary @SEC @FTC responsibility to do so as a banking institution. Furthermore, we allege they skirted the law by not notifying the consumer. (PaloAltoFreePress)

[Palo Alto Free Press @PAFreePress]

11 Pros and Cons of Email for Business Communication. https://t.co/9qy2IilVgE

Shockingly, one of the largest banks in the world, @GoldmanSachs and its customer support team @gsbanksupport do not use email to communicate with is clients or customers. @AppleCard @AppleSupport

“Email communication is one of the most widely used tools in business, and it's important to use it effectively. Proper email communication can save time, offer guidance, show competency and establish a reputation for a person or business. Knowing how and why email is beneficial and how to best use it can help you in nearly any profession or industry.”

What’s more mind boggling, no one in GS management can offer an explanation to the above.

#EmailCommunication #Customer #CustomerSatisfaction #CustomerService #CustomerServiceFail #CustomerCommunication @CharlesSchwab @Chase

[Palo Alto Free Press @PAFreePress]

Most credit-card consumer are totally unaware of the following: https://t.co/BB1VTHRBTX

Fair Credit Billing Act (FCBA): How It Protects Consumers. In part,

“The Fair Credit Billing Act is a 1974 federal law enacted to protect consumers from unfair credit billing practices. It enables individuals to dispute unauthorized charges on their accounts and those for undelivered goods or services”.

Our dispute with @Twitter @TwitterSupport is just that. “undelivered goods or services.

@Twitter shut down our promotional ads and we no longer have access to any of the ad promotions.

They have refused to offer any assistance or respond to any of our direct tweets for the past year.