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:04/29/2025

  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.

  Refusal of payment and forcing of paying high interest rate

  Business Response

  Date: 05/06/2025

  Goldman Sachs Bank USA (the “Bank”) received the above-referenced complaint
  related to the Apple Card
  via the the Better Business Bureau (“BBB”) Complaint Portal on April 30,
  2025. The Bank appreciates the opportunity to address the concerns raised by
  Michael Burcher (the “Customer”) related to an Apple Card account.

  
  The Bank conducted an investigation and confirmed no Bank error occurred.
  According to the Bank’s records, the Customer opened an Apple Card and
  consented to the Apple Card Customer Agreement on April 07, 2020. The bank
  classifies balance transfers as "non-conforming payments". The bank
  does not currently support transferring outside credit card balances to the
  Apple Card, however the bank can receive payments via check or Billpay from
  other credit cards that allow balance transfers.
  The Bank attempted to contact the Customer on May 05, 2025, to address any
  outstanding concerns but was unsuccessful. The Bank is unable to provide the Customer with compensation.

  Based on the above details, the Bank kindly requests for this complaint to be
  closed.

• Initial Complaint

  Date:04/25/2025

  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 am writing to formally lodge a complaint regarding the improper closure and continued freezing of my account with ****** by Goldman Sachs, as well as the mishandling of my funds and the poor customer service I have received.
  
  On April 15, 2025, I initiated an online transfer from my ****** account to an external bank account. On April 16, without valid reason or prior notice, ****** denied the transfer and closed my account. Following this, I called your customer service multiple times and was informed that the only way to unfreeze my account was to mail a bank statement showing my name. No further details were requested.
  
  Acting promptly, I sent the requested external bank statement via USPS overnight mail. Despite ****** receiving the document approximately a week later, my account remained frozen. Upon calling again, I was told the statement was deemed a photocopy and that additional information — namely the full account number — was now required. This was never mentioned during my previous conversations.
  
  Worse yet, ****** has since refused to either properly unlock my account or close it and return my funds. I have been given vague, inconsistent reasons and unrealistic demands, which appear designed to deliberately obstruct the resolution of this matter.
  
  This ongoing situation has negatively impacted my financial stability and personal life. I find ******’s handling of my account closure and fund withholding unacceptable and possibly in violation of banking best practices and consumer protection laws.
  
  I hereby demand the following:
  
  1. A full and detailed explanation for the denial of my transfer and the closure of my account.
  
  2. Immediate release of my funds and formal closure of my account at my request.
  
  3. Written confirmation that no negative reports have been made to credit agencies.
  
  4. Compensation for any direct financial losses or damages incurred due to ******’s mishandling of my account.

  Business Response

  Date: 05/02/2025

  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
  April 25, 2025. The Bank appreciates the opportunity to address the concerns
  raised by Qianhui **** (the “Customer”) related to accessing their Online
  Savings Account (“OSA”).
  On April
  15, 2025, the Customer initiated an outgoing transfer from their OSA to an
  external account. The following day, during the transfer processing review, the
  Bank identified security concerns regarding the transaction and sent an email
  notification to the Customer to address the concerns. Subsequently, the Bank
  declined the transfer and restricted the OSA.
  Later
  that same day, the Customer contacted the Bank regarding the account access. To
  resolve the security concerns, a Bank specialist attempted to conduct a three-way
  call with the Customer and the external institution to verify ownership of the
  account; however, the attempt was unsuccessful. As an alternative verification
  method, the Bank specialist requested the Customer to provide statements for the
  external account which the Bank received on April 22, 2025. Unfortunately, a Bank
  specialist erroneously declined the documentation provided.
  After
  further review, the Bank restored the Customer’s online banking access. Due to
  the experience, the Bank has provided the Customer with a credit to the account
  as a token of goodwill. 
  Based on
  the above details, the Bank kindly requests this complaint to be closed.
  

• Initial Complaint

  Date:04/25/2025

  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 am not liable for this debt with GS Bank USA. I do not have a contract with GS Bank USA. They did not provide me with the original contract as requested.

  Business Response

  Date: 05/01/2025

  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 April 25, 2025.
  The Bank appreciates the opportunity to address the concerns raised by ****** ******** (the Customer) related to an Apple Card opened without
  authorization.
  The Bank conducted an investigation and confirmed ID Theft occurred.
  The Bank successfully closed the account as confirmed ID Theft on April 29,
  2025. Additionally, the Bank submitted a request to have the inquiry and
  trade line removed from the Consumer’s credit profile. The Consumer should
  allow up to 30 days for the change to reflect on the credit profile. The
  Consumer is not responsible for the account or the balance. The Bank regrets
  the frustrations the Consumer experienced.
  Based on the above details, the Bank kindly requests for this complaint to be
  closed.

• Initial Complaint

  Date:04/24/2025

  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 am filing a complaint against Marcus by Goldman Sachs regarding an unresolved issue with my account access.
  
  Without prior notice, my Marcus account was suddenly locked. I attempted to log in and was met with a message stating that my identity could not be verified. I then called customer service and was told that, due to this verification issue, they could not provide any information or allow any access to my funds. I was not given any instructions for resolving this issue.
  
  I only received a generic email from Marcus regarding a change in mail delivery preference, but no communication about the account restriction.
  
  This situation is unacceptable. I am now escalating the issue through BBB because:
  1. My funds are being held without explanation.
  2. Marcus has failed to communicate a resolution process.
  3. Customer service refuses to confirm even the status of my own account.
  4. I am unable to access or verify what is happening with my own money.
  
  I request:
  - Immediate written clarification of why my identity is not being verified.
  - A secure and clear process to verify my identity and restore access.
  - Confirmation that my funds are intact and not at risk.
  - A formal apology for the lack of due process and transparency.
  
  This is not an isolated incident, as numerous other Marcus customers have faced similar unexplained restrictions. I urge BBB to hold Marcus accountable for these practices.

  Business Response

  Date: 05/01/2025

  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 April 24, 2025. The Bank appreciates the opportunity to address the concerns raised by Jae Yong *** (the “Customer”) related to accessing their Online Savings Account (“OSA”).
  On April 21, 2025, the Customer initiated an outgoing transfer request from their OSA to an external account. During the transfer processing review, the Bank identified security concerns regarding the transfer, declined the transaction and restricted the OSA.
  On April 22, 2025, the Customer contacted the Bank regarding their account access, but a Bank specialist could not successfully authenticate the Customer. As an alternative method of verification, the Bank requested the Customer to complete an Affidavit of Identity which the Bank received on April 30, 2025. After further review, the Bank approved the completed documentation and restored the Customer’s online banking access.
  Based on the above details, the Bank kindly requests this complaint to be closed.

• Initial Complaint

  Date:04/24/2025

  Type:Service or Repair 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 opened a Marcus savings account via referral on February 11, 2025 and deposited $1000 on February 13, 2025. I received a statement balance via mail in March showing that I accrued one months worth of interest. I tried to log into my account on April 24, 2025 to set up automatic deposits, and the website showed that I was temporarily locked out of my account and to call to have my account unlocked. I called their customer service and was put through to a specialist who told me that my account has been closed. They were unable to give me information about why my account was closed, but said it could be because I gave false information when signing up, committed fraudulent activity with the account, or received money from a foreign source, none of which is true. I gave only accurate information when signing up, I deposited money only from my personal account, and have not touched that money or committed any unlawful activity. I was also told that I may not be able to open another account with ******************** because Im under investigation, but that my funds would be returned to me via check within 10 business days. I would like to know why my account was closed, dispute the claim that I have committed any sort of fraudulent activity, close the "investigation" and reinstate my account.

  Business Response

  Date: 05/01/2025

  BBB Response ******
  ID ********
  **********************, a brand of Goldman Sachs Bank USA (the Bank), received the above-referenced complaint via the Better Business Bureau Complaint Portal on April 24, 2025. The Bank appreciates the opportunity to address the concerns raised by ****** ****** (the "Customer) related to accessing their ************** Account (OSA).
  On February 14, 2025, a Bank specialist conducted an account maintenance review and erroneously restricted the Customers OSA. Between February 15, 2025 and April 23, 2025, the Customer did not contact the Bank. On April 24, 2025, the Customer contacted the Bank regarding their online account access. To resolve security concerns, a Bank specialist completed an authentication process to verify the Customers identity; however, due to the aforementioned error, the Customer experienced a delay in regaining access to their OSA.
  After further review, on April 28, 2025, the Bank resolved the remaining security concerns and restored the Customers online banking access. Due to the experience, the Bank will be providing the Customer with a credit to the account as a token of goodwill within five business days.
  Based on the above details, the Bank kindly requests this complaint to be closed.

  Customer Answer

  Date: 05/02/2025

   
  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:04/22/2025

  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 am not liable for this debt with ***********-GENERALMOTOR, I do not have a contract with ***********-************, they did not provide me with the original contract as i requested

  Business Response

  Date: 04/28/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to the ** Card via the Better Business Bureau (BBB) Complaint Portal on April 22, 2025. ******** appreciates the opportunity to address the concerns raised by ***** ****** (the Customer) related to credit reporting and validation of the debt owed for the ** Card.
  ******** conducted an investigation and confirmed no Bank error occurred. Based on the Bank's investigation, the Customer is liable for the account. According to the Banks records, the Customer opened an ** Card and consented to the ** Card Customer Agreement on February 11, 2022. As stated in the ** Card Customer Agreement, the Bank may report information about the account to the ************************** which includes but is not limited to Late Payments, Missed Payments, or other defaults on the account. The account was charged off on February 8, 2024, as a result of the Customer failing to make a payment to satisfy the amount due by August 5, 2023. ********** successfully delivered Statements, Payment Due Reminders, Missed Payment Reminders, and Eligible for ************* Reporting reminders to the email address on file. The **** confirmed the account was reported accurately to the ************************** ******** is obligated to report accurately to ************************* and is unable to update the Customers credit reporting and remove the trade line form the Customers credit report.
  ******** sent the Customer the requested documents on April 24, 2025 validating the Customer's debt including a copy of the ** Card Customer Agreement and 24 months of statement history showing records of transactions and payments to validate the balance and the debt owed. The Customer is responsible for the balance on the account in the amount of $3,867.17 ********** is unable to provide the Customer with signed documents as the Customer electronically consented to the ** Card Customer Agreement by completing the application and opening the account.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:04/21/2025

  Type:Customer Service 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 am seeking the following resolution:1. Written confirmation that my notarized identity verification (posted on April 5, 2025, **** #********************** and shows delivered) has been received and processed.2. A detailed explanation for the closure of each account.- No-Penalty CD: ending in 4697 - *************** ending in 4520 - CD: ending in 4618 3. Immediate release of all funds from the closed accounts, including any accrued interest up to the date of closure.4. A formal closure letter or summary for each account, documenting the closure, final balances, and disbursement method.I would also like an apology for the poor communication and lack of transparency throughout this process. Additionally, reimbursement for my notary and mailing expenses would be appreciated but is optional.I am not seeking punitive action, just a fair and prompt resolution to recover my funds and close this matter with peace of mind.

  Business Response

  Date: 04/29/2025

  BBB Response Palla
  ID ********
  **********************, a brand of Goldman Sachs Bank USA (the Bank), received the above-referenced complaint via the Better Business Bureau Complaint Portal on April 21, 2025. The Bank appreciates the opportunity to address the concerns raised by ****** ***** (the "Customer) related to accessing their accounts. 
  On February 27, 2025, the Bank conducted an account maintenance review, identified security concerns regarding the Customers identity, and restricted the accounts until the security concerns could be resolved. Later the same day, the Customer contacted the Bank regarding their account access, but the security concerns remained. As an alternative verification method, the Bank sent an Affidavit of Identity ***** for the Customer to complete on March 4, 2025.
  Due to the ongoing security concerns, on April 11, 2025, the Bank made a business decision to close the accounts. On April 21, 2025, the Customer contacted the Bank regarding their account status and a Bank specialist informed the Customer of the Banks decision. During the call, the Bank specialist verified the Customers identity utilizing alternative methods.
  After further review of the Customers account, on April *******, the Bank made an exception to resolve the security concerns without an AOI. Subsequently, the Bank re-opened the Customers accounts and restored the Customers account access the following day. Currently, the Bank is in the process of crediting the appropriate interest to the Customers accounts.
  Due to the experience, the Bank will be providing the Customer with a credit to their account as a token of goodwill within the next five business days.
  Based on the above details, the Bank kindly requests this complaint to be closed.

  Customer Answer

  Date: 04/30/2025

   
  Better Business Bureau:
  
  Thank you for resolving the matter. I confirm that the principal and interest have now been credited to my account, and I acknowledge the $50 goodwill credit provided by the bank.
  
  While I appreciate the resolution, I do want to note that the overall experience was stressful and time-consuming. The lack of proactive communication led to unnecessary delays, effort, and out-of-pocket costs on my side, including notary and shipping.
  
  I hope Goldman Sachs takes steps to improve its customer support and escalation process.
  
  I consider the matter closed.
  
  Sincerely,
  
  ****** *****

• Initial Complaint

  Date:04/16/2025

  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 trying to buy a house and need get a balance letter from this bank. They claim it can only be sent through the mail as it is a legal document, but I agreed to getting documents online which includes statements. This letter should not have any more on the letter than my regular statement does. NO other business/bank had any issues getting me this letter emailed or faxed timely. If my actual account number, the one that is reported to the credit agencies, was actually on any of my online documents, I could use the documents online. But Marcus seems to think that the last 4 of my card number is sufficient. The account number reported to the credit agencies is hidden one time at the bottom of the first page of the statement BUT not labeled or clear that is what it is. How are any of the above behaviors of this financial institution even allowed? Aren't there requirements that have to be met? I also spoke to supervisor by the name of ****** today and he was not only not helpful but rude. I have been a customer since 2004 and have asked very little in return. Just asked for this letter and you think I was asking for my debt to wiped clean. Beyond frustrated and truly disappointed in this company.

  Business Response

  Date: 04/23/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to ** Card via the Better Business Bureau (BBB) Complaint Portal on April 17, 2025. ******** appreciates the opportunity to address the concerns raised by ******* **** (the Customer) related to a current balance letter request for the ** Card account.
  ******** conducted an investigation and confirmed no Bank error occurred. According to the Banks records, a current balance letter with the last four digits of the account number mailed to the address on the account profile on April 12, 2025. The Customer should allow up to ten days to receive the letter by physical mail. ******** also sent the current balance letter to the Customer overnight on April 22, 2025. Currently the **** does not have the option to email a current balance letter to the Customer. The **** confirmed the Customers statement delivery preference is set to electronic as of April 16, 2025. The Customer will now have access to view monthly statements electronically and manage the account on ******************************. A copy of the most recent monthly statement from April 08, 2025, and was emailed to the email address provided by the Customer on April 15, 2025. ******** attempted to contact the Customer on April 21, 2025, and April 22, 2025, but was unsuccessful. The Bank acknowledges and appreciates the feedback provided by the Customer.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:04/16/2025

  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.

  On 3/27/2025 I logged on to our joint savings account and the money was missing. I called Marcus and I was told that my wife's information was compromised. We opened a new account and signed an affidavit stating we did not give our information to anyone and that we did not authorize transfer of the funds. We received a letter saying the claim was resolved in our favor and our account was credited. On 4/15/2025 we attempted to transfer money and redeem CD's but were unable to do so. We again called Marcus. They went through procedures to unlock the account with us, and we were told that was successful and the account was unlocked. We then attempted to make transactions and were not able as the account was still locked. We called back and were connected with a Specialist who said the account is unlock although we were still not able to make transactions. We are now waiting for the review, and our CDs are matured, and we wanted to cash them in before the grace ******* We were also told we would be contacted within 24 hours and that has not happened as the 24 hours are up.

  Business Response

  Date: 04/23/2025

  BBB Response ******
  ID: ********
  **********************, a brand of Goldman Sachs Bank USA (the Bank), received the above-referenced complaint via the Better Business Bureau Complaint Portal on April 16, 2025. The Bank appreciates the opportunity to address the concerns raised by ******* ****** (the "Customer) related to accessing their ************** Account and Certificate of Deposits.
  On March 27, 2025, the Customer and Joint Owner contacted the Bank to inform of an unauthorized transaction from their OSA. Subsequently, the Bank opened an investigation into the Customers concerns and restricted the account for their protection. On April 8, 2025, the Bank completed its investigation and confirmed the unauthorized transaction had appropriately reversed. In addition, the Bank sent a letter to the Customers address detailing the results of the investigation.
  On April 22, 2025, the account holders contacted the Bank and a Bank specialist assisted with resolving the remaining security concerns. Subsequently, the Bank restored both account holders online access.
  Due to the experience, the Bank is providing the Customer with a credit to their OSA as a token of goodwill in the next five business days.
  Based on the above details, the Bank kindly requests this complaint to be closed.

• Initial Complaint

  Date:04/16/2025

  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.

  Im not liable for this debt with ***** CARD - *******, I don't have a contract with them either, they also did not provide me with the original contract I requested.

  Business Response

  Date: 04/23/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on April 16, 2025. ******** appreciates the opportunity to address the concerns raised by ******* ******** (the Customer) related to an Apple Card opened without authorization.
  ******** conducted an investigation and confirmed no Bank error occurred. Based on the Bank's investigation, the Bank determined the Customer is liable for the account. ******** is unable to provide additional information related to the investigation. According to the Banks records, the Customer opened an Apple Card and consented to the Apple Card Customer Agreement on September 09, 2019. As stated in the Apple Card Customer Agreement, the Bank may report information about the account to the ************************** which includes but is not limited to Late Payments, Missed Payments, or other defaults. ******** is unable to provide the Customer with a signed application as the Customer electronically consented to the Apple Card Customer Agreement by completing the application and opening the account.
  The Customer did not make a payment to satisfy at least the minimum amount due by January 31, 2024, resulting in the account charging off on July 31, 2024. ******** successfully delivered Statement Available Reminders, Payment Reminders, and Eligible for ************* Reporting reminders to the email address on file. The **** confirmed the account was reported accurately to the ************************** ******** is obligated to report accurately to ************************* and is unable to remove the trade line or update the Customers credit report.
  ******** sent the Customer the requested documents on April 23, 2025 validating the Customer's debt including a copy of the Apple Card Customer Agreement and 12 months of statement history showing records of transactions and payments to validate the balance and the debt owed. The Customer is responsible for the account and the balance in the amount of $5,579.37.
  Based on the above details, the Bank kindly requests for this complaint to be closed.