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:10/15/2022

  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.

  Marcus by Goldman Sachs is a scam. They are using the apple credit card for business but discriminate against the applicants they don't want. I have attempted to apply for their card several times via the internet and by using the Iphone to no avail. Each time I apply they tell me they cannot verify my identity. They then tell me to reapply and when I do they deny me for to many attempts. I have spoken to Apple and the Marcus by Goldman Sachs credit card representatives several times in the past month to no avail. I have also pulled my credit history from ********** and my score is around 800. I believe they are denying me because of my age. If I could prove this I would file a complaint with the authorities. If you review their application policies you will see this happens frequently. I believe they are to selective and want an answer. I have verified my address my name SSM DOB and all necessary information required. They are playing games and being selective. Please advise.*********************************

  Business Response

  Date: 10/21/2022

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on October 15, 2022. We appreciate the opportunity to address the concerns raised by ********************************* (the Customer) related to declined applications for the Apple Card.
  ********s records indicate the Customer submitted multiple applications for the Apple Card between September 21, 2022 and October 17, 2022. As part of the application process for the Apple Card, the Bank conducted a review to research any red flags identified and to verify the identity of all applicants. ******** does this to protect Customers from identity theft and fraud. Subsequently, the Bank declined the applications as a result of the inability to verify the identity of the applicant. Consequently, and in adherence with applicable law, the Bank sent the Customer an email detailing the reasons the application was not approved.
  ******** conducted an investigation and confirmed a processing error occurred resulting in some of the Customers applications being declined incorrectly. However, the Bank also determined that some of the applications submitted were declined as a result of the Customer uploading an illegible ID and providing inaccurate personal identifying information.  
  ********s records indicate that the Customer most recently submitted an application on October 17, 2022. ******** was successfully able to verify the Customer and the application was approved. A Bank representative contacted the Consumer on October 18, 2022 and addressed the Customers concerns. The Bank regrets the frustrations this customer experienced.
  ********************************************* Bank does not consider the following when making credit decisions: race, color, religion, creed, national origin, ***, marital status, age (provided the applicant has the capacity to contract), military status, familial status, sexual orientation, gender identification or expression, disability, receipt of public assistance, whether an applicant exercised rights under the Consumer Credit Protection Act, or any other prohibited bases under state laws.
  Based on the above details, we kindly request this complaint be closed.

• Initial Complaint

  Date:10/15/2022

  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.

  Apple Card from Goldman Sachs keeps allowing a company called
  Pepcid to charge my card and I have complained, disputed and changed my card because I did not want this product. I did the trial version and when I tried to cancel there was nowhere for me to call. I got the trial subscription through text message and when I tried to text them it didn’t go through. I have called Goldman Sachs several times I have chatted with them several times yet they still allow this to hit my bill and told me there’s nothing they can do about it I want the charge removed from my card. The charge is $69.00

  Business Response

  Date: 10/21/2022

  Goldman
  Sachs Bank USA (“the Bank”) received the above-referenced complaint related to
  the Apple Card via the Better Business Bureau (“BBB”) Complaint Portal on
  October 15, 2022. We appreciate the opportunity to address the concerns raised
  by ***** ******* (the “Customer”) related to transactions in the amount of
  $69.69 with the merchant Peptiva posted on May 21, 2022, June 21, 2022, and
  July 20, 2022.
  
  The Bank performed an investigation and confirmed no error occurred. The
  Customer contacted the Bank and initiated a dispute for the transaction posted
  on May 21, 2022. A temporary credit in the amount of $69.69 was applied to the
  account. Based on the Bank’s investigation and lack of merchant evidence, the
  Bank resolved the dispute in favor of the Customer. The temporary credit in the
  amount of $69.69 that was applied to the Customer’s account was made permanent
  on July 31, 2022. The Bank sent the Customer an email detailing the dispute
  outcome.
  
  The Customer contacted the Bank and initiated a dispute for the transaction
  posted on August 30, 2022. A temporary credit in the amount of $69.69 was
  applied to the account. Based on the Bank’s investigation and a review of all
  evidence available, the Bank resolved the dispute in favor of the Merchant.
  Merchant evidence indicated the Customer did not cancel the transaction before
  the date required and included proof of delivery of the merchandise to the
  address associated with the Customer’s account. The temporary credit was
  reversed from the Customer’s account on October 20, 2022, and the Bank sent the
  Customer an email detailing the dispute outcome.
  
  The Bank confirmed a dispute has been opened on October 15, 2022 for the $69.69
  posted July 20, 2022, and applied a temporary credit to the Customer’s account
  while the dispute is investigated. The Customer was sent an email communication
  on October 20, 2022 requesting the Customer send any additional information or
  evidence that may help with the investigation to the Bank by October 27, 2022.
  The Customer’s dispute with Peptiva remains under investigation, and the Bank
  expects completion within two billing cycles after date of receipt, and no later
  than 90 days from date of receipt. During the investigation, the Customer does
  not incur interest for and is not responsible for repayment of these
  transactions.
  
  Based on the above details, we kindly request this complaint be closed.

  Business Response

  Date: 10/31/2022

  Goldman
  Sachs Bank USA (“the Bank”) received the above-referenced complaint related to
  the Apple Card via the Better Business Bureau (“BBB”) Complaint Portal on
  October 24, 2022. We appreciate the opportunity to address the concerns raised
  by ***** ******* (the “Customer”) related to transactions in the amount of
  $69.69 with the merchant Peptiva posted on May 21, 2022, June 21, 2022, and
  July 20, 2022.
  As provided in the Bank's previous response, the Bank conducted an
  investigation, and confirmed no error occurred. The Customer contacted the Bank
  and initiated a dispute for the transaction posted on May 21, 2022. A temporary
  credit in the amount of $69.69 was applied to the account. Based on the Bank’s
  investigation and lack of merchant evidence, the Bank resolved the dispute in
  favor of the Customer. The temporary credit in the amount of $69.69 that was
  applied to the Customer’s account was made permanent on July 31, 2022. The Bank
  sent the Customer an email detailing the dispute outcome.
  The Customer contacted the Bank and initiated a dispute for the transaction
  posted on August 30, 2022. A temporary credit in the amount of $69.69 was
  applied to the account. Based on the Bank’s investigation and a review of all
  evidence available, the Bank resolved the dispute in favor of the Merchant.
  Merchant evidence indicated the Customer did not cancel the transaction before
  the date required and included proof of delivery of the merchandise to the
  address associated with the Customer’s account. The temporary credit was
  reversed from the Customer’s account on October 20, 2022, and the Bank sent the
  Customer an email detailing the dispute outcome.
  The Bank confirmed a dispute has been opened on October 15, 2022 for the $69.69
  posted July 20, 2022, and applied a temporary credit to the Customer’s account
  while the dispute is investigated. The Customer was sent an email communication
  on October 20, 2022 requesting the Customer send any additional information or
  evidence that may help with the investigation to the Bank by October 27, 2022.
  The Bank resolved the dispute in favor of the Merchant. Merchant evidence shows
  the merchandise was delivered to the Customer’s address on July 25, 2022. The
  Customer did not cancel the transaction before the date required. The Customer
  has not provided additional evidence showing the subscription was cancelled or
  the merchandise was returned. The temporary credit will be reversed, and the
  Bank will send the Customer an email detailing the dispute outcome once the
  dispute is complete.
  Based
  on the above details, we kindly request this complaint be closed.

  Customer Answer

  Date: 11/01/2022

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  
  I keep saying the same thing over and over. I had no way to reach the merchant. There was no return info in the mailing package, when I contacted the credit card they could not give it to me, I looked online and could not find it so I asked to block and change my card number. That was fine and I was still billed! Obviously if all of that could not stop the fees I had no other alternatives. I do not want, need or accept this product 
  
  Sincerely,
  
  
  
  ***** * *******

• Initial Complaint

  Date:10/14/2022

  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.

  Today October 14, 2022 Marcus By Goldman Sachs REFUSED to do a wire transfer for a mortgage closing. I called to set up the wire transfer and was transferred to a supervisor who stated its "at their discretion" and they "do not have to disclose why they deny a wire transfer". This is absolutely absurd. They completely held up a mortgage closing on a condo I purchased by WITHHOLDING MY MONEY. **************** was unwilling to give me any further reasoning. I continued to explain to them that the money needed to be wired and they REFUSED. My mortgage lender, realtor, and title company all said they have never experienced anything like this before in there 40+ years in the business. Terrible business practice and customer service. I will NEVER again work with Marcus Goldman Sachs and make sure no one else I know does either.

  Business Response

  Date: 10/21/2022

  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 15, 2022. The Bank appreciates the opportunity to address the concerns raised by *********************** (the Customer) related to the inability to make third party transfers from an ************** Account (OSA).
  On October 14, 2022, the Customer contacted the Bank requesting an outgoing wire transfer from their OSA to an escrow company. The Bank advised the Customer that, for security reasons, the Bank only accepts escrow wire transfer requests based on certain eligibility that the Customers wire did not meet. However, the Bank specialist offered to wire the funds to a checking or savings account in the Customers name, which the Customer declined.
  On October 18, 2022, the Customer contacted the Bank and a specialist again advised that the Customer did not meet the criteria for an escrow wire transfer request. Subsequently, the Bank provided the Customer information related to the third-party wire eligibility.
  Based on the above details, the Bank kindly requests that this complaint to be closed.

• Initial Complaint

  Date:10/10/2022

  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.

  Marcus has been attempting to unfairly collect interest and late fees from my GM credit card account. I spoke with their Reps. several times and got no satisfaction. I explained that I paid my bills as soon as they arrived and that it is not my fault if Marcus failed to send them in a timely fashion. I even called requesting a bill be mailed to my home and as I stated, when the bills arrived I paid them promptly. As of now they are looking to collect $59.10

  Business Response

  Date: 10/14/2022

  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 10, 2022. We appreciate the opportunity to
  address the concerns raised by ***** ******** (the “Customer”) related to statements
  and fees.

  
  The Bank conducted an investigation and confirmed no bank
  error. The Customer created an online account at Marcus.com on March 2, 2022.
  The Bank record shows that an email was sent on March 5, 2022, titled “Your GM
  Card Statement is Available Now” which directs consumers to their GM Card
  statement online. All subsequent statements show as being mailed out on the 5th
  of each month with a due date of the first of the following month. To avoid
  interest charges, Customers are required to pay the statement balance in full
  by the due date. According to our records, the Customer did not pay the full
  monthly balance for the statement generated on March 4, 2022. As a result, they
  were charged $12.08 of interest. The Bank charged trailing interest in the
  amount of $6.27 on May 4, 2022. Additional details regarding how the Bank
  calculates interest can be found in the GM Card Customer Agreement.

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

  Customer Answer

  Date: 10/25/2022

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  
  I don't know how an online account could have been opened on march 4th because every time I tried to open an account I had gotten a message stating that Marcus is experiencing technical difficulties. Please try again later. It was then that I called Marcus requesting a bill be mailed to me so that I could pay by mail. I didn't receive a bill by mail until some time in April. I paid the bill in full at that time minus the interest and late fees that were added on. I sent a letter along with the payment expressing my confusion over these extra charges. Especially so because I was told several times via phone that there wouldn't be any interest or late fees charged at the time of the first billing. I understand that there likely would be confusion and chaos while Marcus was transitioning to the GM card from Capitol One. They fail to even consider that maybe their customers were encountering difficulties too, such as "technical difficulties". Very hard to understand how a multi-billion dollar company could be so willing to lose a customer under these circumstances. 
  
  Sincerely,
  
  
  
  ***** ********

  Business Response

  Date: 10/27/2022

  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, 2022. We appreciate the opportunity to address the concerns raised by ***** ******** (the “Customer”) related to statements and fees.

  
  The Bank conducted an investigation and confirmed no bank error. The Customer created an online account at Marcus.com on March 2, 2022. The Bank record shows that an email was sent on March 5, 2022, titled “Your GM Card Statement is Available Now” which directs consumers to their GM Card statement online. All subsequent statements show as being mailed out on the 5th of each month with a due date of the first of the following month. To avoid interest charges, Customers are required to pay the statement balance in full by the due date. According to our records, the Customer did not pay the full monthly balance for the statement generated on March 4, 2022. As a result, they were charged $12.08 of interest. The Bank charged trailing interest in the amount of $6.27 on May 4, 2022. Additional details regarding how the Bank calculates interest can be found in the GM Card Customer Agreement. As a courtesy, the Bank applied a $25.00 credit to the Customer’s account on October 20, 2022.

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

• Initial Complaint

  Date:10/10/2022

  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.

  -uncooperative when closing the account - continued late fees charged after past due bill was paid - changed billing date cycle and terms of billing with out my knowledge -

  Business Response

  Date: 10/14/2022

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the ** Card via the Better Business Bureau (BBB) Complaint Portal on October 11, 2022. We appreciate the opportunity to address the concerns raised by ********************* (the Customer) related to a late fee and the billing cycle.

  
  The Bank conducted an investigation and confirmed no bank error. The Customers due date, the 2nd of every month, remained the same as it was prior to conversion. To avoid interest charges, Customers are required to pay the statement balance in full by the due date. According to our records, the Customer did not pay the full monthly balance for the statement generated on July 5, 2022. As a result, they were charged $5.05 of interest and a $29.00 late fee on August 5, 2022. The Bank charged trailing interest in the amount of $1.57 on September 5, 2022. Additional details regarding how the Bank calculates interest can be found in the ** Card Customer Agreement.

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

• Initial Complaint

  Date:10/10/2022

  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 was marked as 30 days past due on my credit for a late payment. Payment due the 15th of every month. Payment was due 08/15/2022 for 130.34, received statement verifying due date. Scheduled and made payment 09/14/2022 for 132.90 which was the remaining loan balance. Received a 30 day late marker for September even though payment made a day before the next due date which would have been 09/15/2022. Called 10/10/2022 to follow up with the issue that I was advised escalated when I called a week prior. Spoke with CSR "Milton" who advised that it was investigated and determined that the 30 day late marker was correct, based on being past due, not 30 days past due, but past due. Requested to speak with a supervisor, Spoke with "Nanette" whom proceeded to dance around the issue by discussing a due date change which I never requested, still couldn't explain why I was marked 30 days past due for a payment made 1 day prior to the due date, only repeating that the investigation was already resolved and there was nothing else she could do. I requested to speak with someone above her, she refused to transfer, wouldn't provide a manager's name or info, only transferred me to someone whom was supposedly a supervisor by the name of "Jamira" whom proceeded to say that because August has more days than September is why it was considered 30 days past due. I have statement bills that shows each pmt due date for 08/15/2022 and 09/15/2022. Payment should not be marked as 30 days past due if made on 09/14/2022.

  Business Response

  Date: 10/17/2022

  Marcus by Goldman Sachs, a brand
  of Goldman Sachs Bank USA (the “Bank”), received the above referenced complaint
  via the Better Business Bureau (“BBB”) Complaint Portal on October 10, 2022. We
  appreciate the opportunity to address the concerns raised by ******* *********
  (“the Customer”) related to the past due status of their loan and information
  furnished by the Bank to Consumer Reporting Agencies.
  The Customer alleges an error
  around reporting of their account to the Consumer Reporting Agencies. The Bank
  conducted an investigation and reviewed the information provided by the
  Customer, as well as our records, and determined that no error occurred.
  The Customer made a payment of $5,000 on July 5, 2022. Of
  the $5,000, $788.94 satisfied the Customer's payments due June 15, 2022, and
  July 15, 2022. The remaining $4,211.06 was applied towards the loan principal.
  The payment due on August 15, 2022, in the amount of $130.35 was not received
  until the Customer's payment of $132.90 on September 14, 2022, making the
  account 30 days past due.
  With the latest payment to Marcus by Goldman Sachs, the
  Customer has paid off all obligations related to their personal loan (*************).
  Based on the above details, we
  kindly request this complaint be closed.

  Business Response

  Date: 10/26/2022

  Marcus by Goldman Sachs, a brand of Goldman Sachs Bank USA (the “Bank”), received the above referenced complaint via the Better Business Bureau (“BBB”) Complaint Portal on October 19, 2022. We appreciate the opportunity to address the concerns raised by ******* ********* (“the Customer”) related to the past due status of their loan and information furnished by the Bank to Consumer Reporting Agencies.  
  The Customer alleges an error around reporting of their account to the Consumer Reporting Agencies. The Bank conducted an investigation and reviewed the information provided by the Customer, as well as our records, and determined that no error occurred.  
  The Customer made a payment of $5,000.00 on July 5, 2022. Of the $5,000.00, $788.94 satisfied the Customer's payments due June 15, 2022, and July 15, 2022. The remaining $4,211.06 was applied towards the loan principal. The payment due on August 15, 2022, in the amount of $130.35 was not received until the Customer's payment of $132.90 on September 14, 2022, making the account 30 days past due. 
  With the latest payment to Marcus by Goldman Sachs, the Customer has paid off all obligations related to their personal loan (*************).  
  We have previously received and responded to the Customer’s dispute, with our most recent response on October 17, 2022. Our position remains that no error occurred. 
  Based on the above details, we kindly request this complaint be closed. 

  Customer Answer

  Date: 10/26/2022

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: I again do not agree with the response or position of Marcus Goldman Sachs and their finding which is not recognizing their error and refuse to go back and forth since the Credit Reporting Agencies that I disputed with recognized the error which I included in my last attachment response. I want my complaint to go in record with the BBB and publicly displayed against Marcus Goldman Sachs, I will continue to post on Social Media accounts and Google review about how Marcus Goldman Sachs treats its customers, especially those who pay off loans earlier, the customer service by its reps are horrible and how they treat people and I will NEVER USE THEM AGAIN IN LIFE, I don't care if they approve me for 100k loan. The BBB doesn't need to pursue any other action other than posting my complaint and issue since the Credit Bureaus resolved this at this time, it's beyond sad I had to go that route, my attorneys will be in touch with Marcus Goldman Sachs
  
  
  
  Sincerely,
  
  
  
  ******* ********* Jr

• Initial Complaint

  Date:10/08/2022

  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.

  Ok, so a few days ago this company sent me a letter inviting me to apply for a GM Card.
  
  I just got my first Chevy last year and love these trucks, so naturally I took upon their offer and applied.
  
  Then I was sent an email about their them needing ID for verification. I thought, "No Problemamo," because I've been asked to do the same thing for other credit card companies that I was approved for in the past.
  
  Well it's been quite a few days now and I'm still stuck on that part...All because of this company's ridiculous policies and their obviously very incompetent web developers.
  
  (Hey, kinda off topic but I have lots of years of education and experience with web developing and after what I've seen so far, I'm confident enough to say that I could create a website better than your tech guys in my sleep. So if you ever have a job opening, call me). ;-P
  
  Anyways...Back to the topic at hand, ahem!
  
  Everytime I go to upload my Driver's License to fulfill their request and verify my phone number through their texted code, I'm given this very same and dreaded blank page that gives me no option for uploading what they've asked for(Please see attached). Doesn't matter if I'm on the phone or computer, if I clear my cache, etc. I've been back and forth with their support and kept getting the run-around - And then it gets even more ridiculous...And this is the reason I've resorted to a complaint - Support basically told me there's nothing they can do and that I can't even send them a snapshot of the blank sort of page I'm getting, much less just email them a copy of my ID.
  
  Lol, what?! Folks, this is a billion dollar company with the world at their fingertips...How in the world...They told me that my only option to submit my ID was through the upload link and thus I would have to redo the application all over again...Um, no thanks. Never in my life have I heard of a company being that rigid to such a extreme parody.
  
  Please see attached to see what I'm talking about.

  Business Response

  Date: 10/13/2022

  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
  9, 2022. We appreciate the opportunity to address the concerns raised by ****
  ******** (the “Customer”) related to ID verification.
  The Bank
  conducted an investigation and confirmed a tech issue is present when
  attempting to upload documents. The Bank is requesting the Customer mail a copy
  of the state ID that was attempted to be uploaded to the following address for
  review:
  Marcus by
  Goldman Sachs
  Salt Lake
  City Branch
  ** *** *****
  Philadelphia,
  PA 19176-0321
  
  Based
  on the above details, we kindly request this complaint to be closed.

  Customer Answer

  Date: 10/15/2022

   
  
  Complaint: ********
  
  
  
  I am rejecting this response because: Given how close the due date is, iw there no way for me to just email or fax it? I even sent you a copy through facebook.
  
  
  
  Sincerely,
  
  **** ********
  

• Initial Complaint

  Date:10/07/2022

  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.

  I payed off completely my apple credit card payment, months passed and I notice a late payment. With no other notification via email (correct) or mail invoice. I called apple credit card number to file a credit dispute which they denied and its concerning do to the fact that I said that I wanted to pay off complete my card. They said that all the calls are recorded when I asked for the email proof of denial in the credit Barrier they couldnt provided to my email. And I dont have access to the email they have on file. I will like them to review the calls where I said that I wanted to pay off completely and I want them to remove the late payment on my credit report since they also didnt refund me the cash back I had accumulated until I called to express how upset I was because I never received any notification that I owe them after I completely Payed off my credit card. As a company it shows lack of organization and bad customer representation. All I ask for is for an apology and a fix on my credit history.

  Business Response

  Date: 10/14/2022

  Goldman Sachs Bank USA received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on October 07,2022. We appreciate the opportunity to address the concerns raised by ************************* (the Consumer) related to credit reporting for the Apple Card.
  ******** conducted an investigation and confirmed that no Bank error occurred.On May 27, 2022, the Customer made a payment in the amount of $377.54, which brought the balance to $0.00. On May 31, 2022, June 30, 2022, and July 31,2022, the account was charged interest totaling $5.93, which went unpaid until August 19, 2022. As a result, the account was reported as past due for July 2022. On August 19, 2022, the Bank credited the account for the interest charges totaling $5.93.
  As a courtesy, the Bank updated the credit reporting agencies on October 13,2022, to remove the past due reporting for July 2022. The Customer should allow up to 30 days for the changes to reflect on the credit report.
  Based on the above details, we kindly request this complaint be closed.