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:02/12/2025

  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.

  Goldman Sachs Bank (GS BANK-GM)
  Account Opened: 2/28/2015
  Account Number: **************
  High Credit: $7,436.00
  
  To Whom It May Concern,
  
  I am disputing a fraudulent account that was opened with Goldman Sachs Bank under my name on 2/28/2015. The account number listed is not one that I recognize, and the high credit balance of $7,436.00 is not associated with any transactions I made. This account was opened without my consent and is a clear case of identity theft.
  
  To resolve this issue, I have filed a complaint with IdentityTheft.gov, and I have attached a copy of this complaint for your reference. I kindly request that you investigate this matter and remove the fraudulent account from my credit report as soon as possible. Please provide me with a confirmation once this has been addressed.
  
  Thank you for your prompt attention to this matter.

  Business Response

  Date: 02/19/2025

  Goldman Sachs Bank USA (the “Bank”) received the
  above-referenced complaint related to GM Card via the Better Business Bureau
  (“BBB”) Complaint Portal on February 12, 2025. The Bank appreciates the
  opportunity to address the concerns raised by Babak Rahimi (the
  “Customer”) related to a GM Card opened without authorization.
  The Bank 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. The Bank confirmed the account was reported accurately to the Credit
  Reporting Agencies. According to the Bank’s records, the Customer opened a GM
  Card and consented to the GM Card Customer Agreement on February 28,
  2015.  As stated in the GM Card Customer Agreement, the Bank may report
  information about the account to the Credit Reporting Agencies, which includes
  but is not limited to Late Payments, Missed Payments, or other defaults on the
  account. As a result of the Customer’s request, the Bank successfully closed
  the account on December 15, 2022.
  The account was charged off on June 23, 2023, as a result of the Customer
  failing to make a payment to satisfy the minimum amount due by December 20, 2022. As a result, the
  Bank reported the account past due to the Credit Reporting Agencies. The Bank
  successfully delivered Statements, Payment Due Reminders, Missed Payment
  Reminders, and Eligible for Credit Bureau Reporting reminders to the email
  address on file. According to the Bank’s records, the Customer issued a
  one-time payment in the amount of $619.73 on July 25, 2024, and a payment in
  the amount of $6,817.06 on December 27, 2024. The Bank confirmed the charge off balance is now paid. The Bank is
  obligated to report accurately to Credit Reporting Agencies and is unable to
  update the Customer’s credit reporting.
  Based on the above details, the Bank kindly requests for this complaint to be
  closed.

• Initial Complaint

  Date:02/08/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  One of my three accounts at Marcus (Goldman Sachs) was missing all monthly bank statements. I contacted customer service, and they confirmed the issue but could not explain why. Instead of restoring my electronic statements, they mailed 18 months of paper statements, which I did not request.
  
  On February 3, 2025, I received the paper statements via UPS and, on the same day, an email stating that my statement delivery preferences had been changed—something I never authorized.
  
  On February 4, 2025, I attempted to transfer funds to pay a bill and discovered that my accounts were frozen without notice. I called customer service, and after multiple escalations, I was told the issue was sent to the "back office" for review. No one followed up.
  
  On February 6, 2025, I called again. My case was escalated once more, and I was promised a call back. As of February 7, 2025, I have received no response, no explanation, and still cannot access my funds.
  
  Marcus has not communicated why my accounts were frozen or when I will regain access. I have bills due and cannot pay them because my money is being withheld without justification.
  
  Resolution Sought:
  Immediate unfreezing of my accounts.
  A written explanation for why my funds were frozen.
  Restoration of my statement delivery preferences to electronic PDFs.

  Business Response

  Date: 02/14/2025

  BBB Response Hope
  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 February 8, 2025. The Bank appreciates the opportunity to address the concerns raised by ******* **** (the "Customer”) related to their Online Savings Accounts (“OSA”).
  On January 21, 2025, the Customer contacted the Bank advising their statements were not available online for their OSA (account ending in 2763). As the Customer had been unable to access their statements electronically, the Bank opened an investigation into the concerns and temporarily adjusted the Customer’s statement delivery preference to paper. Subsequently, on January 31, 2025, the Bank mailed the requested statements to the Customer’s address on file. After further review, the Bank identified the technical issue regarding the delivery of the Customer’s statements and updated their delivery preference back to electronic as requested.
  Separately, on February 3, 2025, the Bank conducted an account maintenance review and identified security concerns with the Customer's joint OSAs and restricted their online banking access. The following day, the account holders contacted the Bank regarding their account access, but the security concerns remained.
  After further review, on February 10, 2025, the Bank resolved the security concerns affiliated with the Customer’s joint accounts and restored all account holder’s online banking access. The following day, the Bank completed the Customer’s request to transfer funds from their OSA (account ending in ****) to their external account. Due to the experience, the Bank has provided the Customer with a credit to their account as a token of goodwill.
  Based on the above details, the Bank kindly requests this complaint to be closed.

• Initial Complaint

  Date:02/06/2025

  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 not liable for this debt with Apple Card / GS Bank USA. I do not have a contract with and debt collector.

  Business Response

  Date: 02/14/2025

  
  
  Goldman Sachs Bank USA (the “Bank”) received the above-referenced complaint
  related to Apple Card via the Better Business Bureau (“BBB”) Complaint Portal
  on February 7, 2025. The Bank appreciates the opportunity to address the
  concerns raised by **** ******** (the “Customer”) related to credit reporting
  for the Apple Card.
  
  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 June 9, 2022. As stated in
  the Apple Card Customer Agreement, the Bank may report information about the
  account to the Credit Reporting Agencies, which includes but is not limited
  to Late Payments, Missed Payments, or other defaults on the account. The Bank
  confirmed the account was reported accurately to the Credit Reporting
  Agencies. The account was charged off and closed on August 31, 2024, as a
  result of the Customer failing to make a payment to satisfy the minimum
  amount due by January 31, 2024. The Bank successfully delivered Statement
  Available Reminders, Payment Due Reminders, Missed Payment Reminders, and
  Eligible for Credit Bureau Reporting reminders to the email address on file.
  The Bank is obligated to report accurately to Credit Reporting Agencies and
  is unable to update the Customer’s credit reporting. The Bank is the original
  creditor and is not a debt collector.
  
  The Bank sent the Customer the requested documents on February 13, 2025,
  validating the Customer's debt including a copy of the Apple Card Customer
  Agreement and one year of statement history showing records of transactions
  and payments to validate the balance and the debt owed. As of December 31,
  2024, the Customer’s balance was paid in full.
  
  Based on the above details, the Bank kindly requests for this complaint to be
  closed.

• Initial Complaint

  Date:02/06/2025

  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 filing this complaint regarding a total of $9,701.46 in disputed charges on my credit card issued by Marcus by Goldman Sachs. These charges were made across multiple months by various merchants, including The Stow Company ($3,206.02), PayPal ($825.00), and SQ *Unifirm Handyman Services ($260.00). These charges are fraudulent, and the merchants either failed to deliver the promised services or overcharged me without my authorization. After reviewing my evidence, Marcus initially credited my account and removed the charges. However, they later reinstated the charges without valid justification, leaving me with a balance I do not owe. List of Disputed Charges 1. The Stow Company: $3,206.02 2. *PayPal Johngacinsk: $825.00 3. The Home Depot: $802.65 4. Charlie Palmer Steak: $602.50 5. Spirit AI: $498.00 6. Traveluro Hotels: $406.00 7. CR Nat’l Harbor: $382.78 8. Loewe Greene St: $335.96 9. AppSumo.com: $330.30 10. Tcktweb*JeffLewis: $326.36 11. *SQ Unifirm: $325.20 12. The Home Depot: $315.66 13. Solosuit: $300.00 14. *SQ Unifirm: $268.80 15. Choice Home Warranty: $262.50 16. *SQ Unifirm Handyman Services: $260.00 17. Glasses USA Inc.: $253.97 18. *SQ Unifirm: $226.26 19. *SQ Unifirm Handyman Services: $225.00 20. Choice Home Warranty: $218.75

  Business Response

  Date: 02/14/2025

  Goldman Sachs Bank USA (the “Bank”) received the above-referenced complaint
  related to GM Business Card via the Better Business Bureau (“BBB”) Complaint
  Portal on February 07, 2025. The Bank appreciates the opportunity to address
  the concerns raised by ***** ******** ** (the “Customer”) related to twenty
  transaction disputes with multiple merchants.
  The Bank conducted an investigation and confirmed no Bank error occurred. The
  Customer initially disputed a transaction with the merchant THE STOW COMPANY
  in the amount of $3,206.02 on August 10, 2023. The Bank applied a temporary
  credit while the dispute was investigated. On September 09, 2023, the
  merchant posted a partial refund credit in the amount of $2,000.00 and
  confirmed the Customer was still in possession of the merchandise. The Customer’s
  evidence was insufficient in showing the merchandise had been returned. Based
  on the refund, the Bank resolved the dispute as merchant credited. As a
  result, the temporary credit that was applied to the Customer’s account was
  reversed on October 21, 2023. The Bank sent the Customer an email detailing
  the dispute outcome.
  The Customer initially disputed a transaction with the merchant TRAVELURO
  HOTELS in the amount of $406.00 between August 22, 2023, and January 24,
  2024. The Bank applied a temporary credit while the dispute was investigated.
  Based on the investigation and a review of the evidence provided, the Bank
  resolved the dispute in favor of the merchant because the merchant provided
  sufficient evidence showing services were provided as described. The
  Customer’s evidence was insufficient in showing services were not provided.
  As a result, the temporary credit that was applied to the Customer’s account
  was reversed between October 21, 2023, and March 20, 2024. The Bank sent the
  Customer an email detailing the dispute outcome.
  The Bank confirmed as of February 10, 2025, eighteen transaction disputes
  remain under investigation, and the Bank expects completion within 2
  billing-cycles from the date of receipt and no later than 90 days from date
  of receipt. During the investigations, the account does not incur interest
  for the amount in dispute and the Customer is not responsible for repayment.
  Customers can send dispute evidence at any time by responding to the request
  for evidence email or by mail to Goldman Sachs Bank USA, Salt Lake City
  Branch, Lockbox 70321, Philadelphia, PA 19176-0321. The Customer should label
  all evidence with the case number and avoid sending original documents. If no
  new evidence is received by the Customer, the dispute resolution may not
  change.
  Based on the above details, the Bank kindly requests for this complaint to be
  closed.

• Initial Complaint

  Date:02/04/2025

  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.

  purchsed a gm vehicle and set up a gm **** card at same time. Marcus sent an invoice on behalf of ** in an email I missed They called I explained I never recieved a bill. Paid it in full and closed the account. called them 3 times they send me a bill everymonth with a late fee it is now at $139.90 and increases each month for a card that is paid in full and closed. they have effected my credit.

  Business Response

  Date: 02/11/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to GM Card via the Better Business Bureau (BBB) Complaint Portal on February *******. ******** appreciates the opportunity to address the concerns raised by ******** ****** (the Customer) related to late fees assessed on a GM Card account.
  ******** conducted an investigation and confirmed no Bank error occurred.According to the Banks records, the Customer opened a GM Card and consented to the GM Card Customer Agreement on August 05, 2024. As stated in the GM 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 Customer agreed to receive statements electronically when they accepted the offer and opened the account. Additional details can be found in the ********************************* Agreement. ******** sent the Customers monthly statement electronically to be viewed on ******************************.
  The Customer did not make a payment to satisfy at least the minimum amount due by September 21, 2024, until October 15, 2024. As a result, the account was assessed a late fee in the amount of $29.00. The Customer has not made a payment to satisfy at least the minimum amount due by November 21, 2024. As a result, the account was assessed additional late fees and interest on November 24, 2024, December 24, 2024 and January 24, 2025.******** successfully sent Statements Available Reminders, Payment Due Reminders, Missed Payment Reminders, and Eligible for ************* Reporting reminders to the email address provided by the Customer. ******** is unable to reimburse the late fees and interest charges assessed to the account. ******** is obligated to report accurately to ************************* and is unable to update the Customers credit reporting.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

  Customer Answer

  Date: 02/13/2025

   
  Complaint: 22897632
  
  I am rejecting this response because:

  Yes I agreed to the a GM card by the ** dealer.  the emails came form either Goldman Sachs or some other company which is why it was not recognized.  Once I recieved a phone call notifiying me I missed the invoice and payment I immediately paid it in full.  I have made several calls to address this issue.  In my opinion poor customer service it was clearly not intential and the account is closed and paid in full.  I would never recomend this company in the future based on this customer service.  I have excellent  credit this one issue will not have a big effect on my credit score and fortunelty I do not have a need for any credit in the future.  It is a matter of principle that this company doesnt see the reality of the situation and just let it go.
  
  Sincerely,
  
  ***** ******

• Initial Complaint

  Date:02/04/2025

  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.

  I opened a Marcus savings account last month and set a monthly transfer plan at the beginning of each month. However, yesterday, I stumbled upon my account being closed for no reason. I called back and forth to customer service at least five times and answered every questions correctly and clearly, but no one was able to really help me resolve the issue. It shows that either the communication system inside Marcus is very messy, or I am being targeted for not being able to transfer my money out. I am tired of this, and would like to refund the full amount of money.

  Business Response

  Date: 02/14/2025

  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 February 10, 2025. The Bank appreciates the opportunity to address the concerns raised by **** **** (the “Customer”) related to accessing their Online Savings Account (“OSA”).
  On February 3, 2025, the Bank conducted an account maintenance review, identified security concerns regarding the Customer’s identity, and restricted their OSA. The following day, due to ongoing security concerns, the Bank made a business decision to close the Customer’s OSA.
  After further review, on February 13, 2025, the Bank determined the account closure had been erroneous. Subsequently, the Bank re-opened the OSA and credited the funds back to the account. Additionally, the Bank restored the Customer’s online banking access. Later that same day, the Customer initiated the closure of their OSA by transferring funds to an external account.
  Separately, the Bank determined the Customer is owed additional interest accrued. The Bank is in the process of crediting the appropriate interest to Customer’s OSA. The Bank will contact the Customer to assist with reopening the OSA and transferring the additional interest.
  Based on the above details, the Bank kindly requests this complaint to be closed.

  Customer Answer

  Date: 02/18/2025

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

  Thanks for BBB and the reply from Marcus. I am not satisfied with the chaotic and intransparent way inside Marcus. It is very time-consuming to deal with unreasonable verifications. I think some compensation can be made. This is not only a way of reimburse myself, but also a way to remind Marcus itself the quality of service.

  
  
  Sincerely,
  
  
  
  ****

• Initial Complaint

  Date:01/30/2025

  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.

  Jan 20, 2025, I attempted to open a CD account online. Was told to call the number with the application ID. This ID is: ***************** I spoke to several people, wasted a lot of time getting the run around. The lady told me my phone number is not able to be verified in their system. They did not explain how to fix this. I spoke to three people who contradicted each other. None would help to resolve the issue. They said they can't tell me the reason for security purposes. Was told my application was manually declined. Was told to reply because they did not know why. Re-appliation ID: #****************. Called again and given a complaint number: ************. Was told there is no follow-up that will be done. All my information is legitimate an accurate. I'm being denied the opportunity to open an account due to some error on their system and they are not interested in resolving the problem. This is very bad customer service.

  Business Response

  Date: 02/07/2025

  BBB
  Response Navarrete
  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 January 31, 2025. The Bank
  appreciates the opportunity to address the concerns raised by ******** ********* (the "Consumer”) related to their application experience.
  Per the Bank’s records, on January 30, 2025,
  the Consumer submitted two applications via the Bank’s website. As part of the
  Bank’s application process, the Bank conducts a review to verify the identity
  of each applicant. Unfortunately, the Bank declined the application as the
  Consumer’s identity could not be verified.
  If the Consumer wishes to re-apply
  for an account and continue with the application process, the Consumer may
  submit another application by contacting the Bank.
  Based on
  the above details, the Bank kindly requests this complaint to be closed.

• Initial Complaint

  Date:01/30/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This bank started off as an amazing bank 4 years ago when I opened my accounts.Nevertheless, in recent months this bank has dropped the ball. I have requested transfers that are being denied and told I must wait 30 days for the money the deposited to mature.Even more, they hold on to wire transfers longer than the 3 day period in their policies and a they do is apologize and state that they will notate the account about me being dissatisfied. Non of that matters because they apologize but never fix the broken issue.

  Business Response

  Date: 02/06/2025

  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 January 30, 2025. The Bank appreciates the opportunity to address the concerns raised by ****** ****** (the "Customer) related to accessing the funds in their ************** Account (OSA).
  Between November 25, 2024 and January 30, 2025, the Customer contacted the Bank and made multiple transfers to different external accounts from their OSA (ending in 0799). In accordance with the Banks Deposit Account Agreement (DAA), all transactions are subject to review. During the transfer processing reviews, the Bank identified security concerns regarding the transactions and attempted unsuccessfully to contact the Customer to address the security concerns. Subsequently, the Bank declined the transactions.
  After further review of the Customers profile, the Bank made the business decision to close the Customers account due to the outstanding, unresolved security concerns. On February 5, 2025, the Bank attempted to contact the Customer as the Bank requires Customer authorization to transfer the remaining balance of the account. The Bank requests that the Customer call the Bank toll-free at ************** ****************), Monday to Friday, 8 am - 10 pm, or Saturday to Sunday, 9 am - 7 pm ET to proceed with closure of the Customers account.
  Based on the above details, the Bank kindly requests this complaint to be closed.

• Initial Complaint

  Date:01/30/2025

  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 have a GM Credit card by Marcus at Goldman Sachs. I tried to use my card the other day and it would not work. Upon checking my app it told me my accounts was closed. I called customer service and asked them why my account was closed on 9/2024 and they advised me that it was for inactivity. I received an email that was in my spam email folder that it was closed. I never received any warnings via email or mail that it would be closed so due to inactivity. I requested a credit line increase on 7/2024 and was denied. I was told since I requested the increase that the system saw it as activity so a warning was sent out. But this was not activity enough to keep my account open. My card was paid off and at a zero balance. This card was only used for emergency and didnt carry a balance. Now my credit score is affected as I do not have that available credit anymore. If I was warned ahead of time I would have used it to keep it active. As a consumer, we dont always know how long a card has been inactive. Every other credit card I use has given me a warning prior to deactivation. Many consumers have credit cards that carry a zero balance and I feel like I am being punished for not using it more often. Upon calling customer service I was advised that the account cannot be reopened. Now when I am in need of their service, its not available to me.

  Business Response

  Date: 02/05/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to ** Card via the Better Business Bureau (BBB) Complaint Portal on January *******. ******** appreciates the opportunity to address the concerns raised by ****** ***** (the Customer) related to a ** Card account closure.
  ******** conducted an investigation and confirmed no Bank error occurred. The Customers concern references the closure of a ** Card account. According to the Banks records, the Customer opened the ** Card account and consented to the ** Card Customer Agreement on May 03, 2016.  The Customer consented to receive documents electronically on February 22, 2022. As part of the Banks review process, the Bank identified the Customers account had been inactive for more than twenty-four months.Based on an investigation, and in accordance with the ** Card Customer Agreement, the Bank closed the account and sent the Customer an email informing of the account closure on September 30, 2024. ******** attempted to contact the Customer on January 30, 2025, but was unsuccessful. ******** is unable to reinstate the account. The Customer can reapply for the ** Card at any time.******** 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:01/30/2025

  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.

  I have an Apple Goldman Sachs credit card. Ive never missed a payment or had an issue with you all. I recently made a payment for my credit card balance and the payment was returned due to the fact I accidentally was one digit off using the correct account. Once I was made aware of the returned payment I immediately corrected this issue. The payment has now been made without issue. Ive always made on time payments this is literally the one and only time this has happened. This caused a 7 day hold on my Apple Card. The issue is Im traveling and outside of the **. This is the only credit card I have for food and hotels. The funds have already left my account and been applied to my Apple credit card. When I call ***** support they are saying the hold will be removed February 5th which is a 7 day hold. This was an honest mistake, you can review my account. All I am asking is for the hold to please be removed thank you

  Business Response

  Date: 02/06/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on January 30, 2025. The Bank appreciates the opportunity to address the concerns raised by **** ******** (the Customer) related to a payment hold.
  
  The Bank conducted an investigation and confirmed no Bank error occurred. The amount of time it takes for payments made from a bank account to reflect in the available credit can vary based on the payment amount and account history. The Customer should continue making payments on time, over time faster updates should be experienced. The Apple Card Customer Agreement states after receiving a payment, the Bank can immediately increase the available credit, or delay increasing the available credit on the account for a period of time. The Customer can check the status of the available credit by going to the Apple Wallet, online at **************, or by contacting the Bank. The Customers payment in the amount of $2,500.00 and $500.00 made on January 29, 2025, has been released to the Customers available credit on February 5, 2025. The Bank contacted the Customer on January 31, 2025, to address the Customers concerns.
  
  Based on the above details, the Bank kindly requests for this complaint to be closed.