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:01/09/2025

  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 MADE MANY MANY ATTEMPTS TO RESOLVE THE ISSUE TO NO AVAIL.DATES I MADE ATTEMPTS.SEPT ******* SPOKE TO ********* HE REFERRED ME TO MANAGER (SUNNY) NO HELP OCT ******* SPOKE TO ******* **** OCT******* SPOKE TO ***********. NO HELP OCT ******* SPOKE TO AMINATHA (MGR) NO HELP NOV. ******* SPOKE TO ** ******* TOOK PMT BUT LIED ABOUT ADJUSTING LATE CHARGES ALSO SPOKE TO SUPERVISOR **** DID AN INQUIRY PLEASE READ ALL NOTES ON THE DATES PROVIDED I FEEL I MADE MANY EFFORTS TO HAVE THE ISSUE RESOLVED UNFORTUNATELY NO REPRESENTATIVE TOOK THE EFFORT TO HELP MY REQUEST IS TO HAVE ANY LATE CHARGES REFUNDED AND PROMOTION ADDED TO MY ACCOUNT.ALSO TO HAVE AN NEGATIVE MARKS ON MY CREDIT REPORT CORRECTED AS WELL.I HAVE BEEN A VERY LOYAL COUSTOMER OF MANY GM VEHICLES OVER THE PAST 40 YEARS. WOULD LIKE TO CONTINUE AS A CUSTOMER DEPENDING ON THE OUTCOME OF THIS ISSUE WILL DETERMINE THAT.

  Business Response

  Date: 01/16/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to ** Card via the Better Business Bureau (BBB) Complaint Portal on January 09, 2025. The Bank appreciates the opportunity to address the concerns raised by ***** ********* (the Customer)related to late fees assessed on a ** Card account and credit reporting for the ********************* conducted an investigation and confirmed no Bank error occurred.According to the Banks records, the Customer opened a ** Card and consented to the ** Card Customer Agreement and the ** Card Electronic Communication Agreement on June 13, 2024. 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 Customer agreed to receive statements electronically when they accepted the offer and opened the account. Additional details can be found in the ** Card Electronic Communications Agreement.
  The Customer did not make a payment to satisfy at least the minimum amount due by October 05, 2024, or November 05, 2024, until November 14, 2024, and no payment to satisfy at least the minimum amount due by January 08, 2025. The Bank sent the Customers monthly statement electronically to be viewed on ******************************. Additionally, the Customer opted for paper statements on October 12, 2024. The Bank successfully delivered Statements, Payment Due Reminders, Missed Payment Reminders, and Eligible for ************* Reporting reminders to the email and mailing address provided by the Customer. The Bank confirmed the September 08, 2024, October 08, 2024, November 08, 2024, and December 08, 2024, statements were mailed to the physical address provided by the Customer.
  As a result, the account was assessed a late fee in the amount of $29.00 on October 08, 2024, $29.00 on November 08, 2024, and $29.00 on January 08, 2025,and reported as past due. The Bank is unable to reimburse the late fees assessed to the account. The Bank is obligated to report accurately to ************************* and is unable to update the Customers credit reporting.
  During the application process the Customer was offered an introductory ** card Promotion which lowered the Variable Annual Percentage rate to 0% for 9 months until resuming the approved Variable Annual Percentage rate of 22.24%. Additionally, if the Customer made $1,000.00 worth of transactions within 90 days of the account opening the Customer would receive ****** bonus reward points. The Customer did not meet the required spend amount of $1,000.00 within the first 90 days of the account opening. As a result, the Customer did not qualify to receive the additional bonus points.  The Bank conducted a review of interactions and was unable to locate any record of mistreatment or misinformation provided by a Bank representative.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:01/08/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Fraudulent charges, our pay pal act was hacked and used to pay 2 separate people gifts of money.. the 1st being (***** B437) for $201.83 and the 2nd ***** F753) for $414.83. Those transactions took place on Dec 2nd 2022. Within 15 min of these transactions I called Goldman Sachs to report those charges that I did NOT make as fraudulent . So for Every 90 days for the last 2 years these two charges keep appearing on my Goldman Sachs Mastercard. Ive asked to talk with those who do the investigation and there is no way to get a hold of them. There reasoning is that they have seen prior approved transactions from the **** Address that was used with my credit card. Ive talked to pay pal and they marked it as fraudulent charges but for some reason their investigation team has failed to see that. Now the charges have Been put on again BUT now they refuse to credit the money to my credit card. Their now permanately on there accusing me of making these charges and wont let me dispute them. Im at a loss, EXTREMELY frustrated now having to pay all of it and pay interest on these 2 false transactions, again its even on their records that I called them within 15 min of these transaction to report them as fraud. I use my credit card religiously, make all my payments on time and mostly in full. Its been a battle for 2 years now it was a pay pal account and they told us we had to go through the credit card company to get our refund.

  Business Response

  Date: 01/16/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to GM Card via the Better Business Bureau (BBB) Complaint Portal on January 09, 2025. ******** appreciates the opportunity to address the concerns raised by **** ***** (the Customer) related to transaction disputes with the merchant ****** in the amounts of $414.83 and $201.83.
  ******** conducted an investigation and confirmed an inadvertent processing error occurred. The Customer initially disputed the transactions between December 04, 2022, and December 24, 2024. ******** applied 2 temporary credits while the disputes were investigated. Due to a processing error, the initial disputes were resolved incorrectly in the merchants favor. As a result, the temporary credits were reversed between February 02, 2023, and December 27, 2024. ******** sent the Customer emails detailing the dispute outcomes.
  The disputes were reopened on January 10, 2025, and the Bank applied 2 temporary credits while the disputes were re-investigated. The disputes were ruled in the Customers favor because the evidence confirmed the transactions were not authorized by the Customer.  As a result, the temporary credits that were applied to the Customers account were made permanent on January 10, 2025. ******** sent the Customer emails detailing the dispute outcomes. ******** regrets the frustrations the Customer experienced.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

  Customer Answer

  Date: 01/17/2025

   
  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:01/08/2025

  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.

  In accordance with the ********************************* *** Account# ****************, has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1681 section 604 A Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions.15 u.s.c 1681i(5)-removal of inaccurate/invalidated. Credit information 15 usc 1681e(b)(b)-accuracy of report 15 usc 1692a- abusive practices 15 usc 1681b- permissible purposes of consumer reports.

  Business Response

  Date: 01/14/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on January 8, 2025. ******** appreciates the opportunity to address the concerns raised by ***** ****** (the Customer) related to validation of the debt owed for the ************************** conducted an investigation and confirmed no Bank error occurred. According to the Banks records, the Customer opened an Apple Card and consented to the Apple Card Customer Agreement on July 14, 2022. 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 on the account.
  The account was charged off on November 30, 2023, as a result of the Customer failing to make a payment to satisfy the amount due by May 31, 2023. ******** successfully delivered Statement Available Reminders, Payment Due Reminders, Missed Payment Reminders, and Eligible for ************* Reporting reminders to the email address provided by the Customer. The **** confirmed the account was reported accurately to the ************************** ******** is obligated to report accurately to ************************* and is unable to update the Customers credit reporting.
  ******** sent the Customer the requested documents on January 10, 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 balance on the account in the amount of $7,442.87 provided in the latest statement from November 30, 2023.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:01/08/2025

  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.

  Im not liable for this debt with Apple Card, I do not have a contract with Goldman Sachs ***********. They did not provide me with the original contract as requested.

  Business Response

  Date: 01/15/2025

  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 8, 2025. ******** appreciates the opportunity to address the concerns raised by ******* ***** (the Customer) related to a validation of the debt owed for ****************************** conducted an investigation and confirmed no Bank error occurred. According to the Banks records, the Customer opened an Apple Card and consented to the Apple Card Customer Agreement on November 7, 2022. 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 on the account.
  
  The account was charged off on February 29, 2024, as a result of the Customer failing to make a payment to satisfy the amount due by August 31, 2023. The Bank successfully delivered Statement Available Reminders, Payment Due Reminders, Missed Payment Reminders, and Eligible for ************* Reporting reminders to the email address on file. ******** is obligated to report accurately to ************************* and is unable to update the Customers credit reporting.
  
  ******** has no record of the Customer requesting debt validation prior to January 8, 2025. ******** sent the Customer the requested documents on January 14, 2025, validating the Customer's debt including a copy of the Apple Card Customer Agreement and the entire 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 $5,476.12 provided in the latest statement from February 2024. The Bank is unable to provide the Customer with signed documents as the Customer electronically consented to the Apple 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:01/07/2025

  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.

  Good day,
  
  I'm filing a complaint against Goldman Sachs Apple Card because they refuse to settle my dispute fairly in order to make me pay more in interest. We have been disputing a charge of $2000 from a scammer named Arturo J****** Consulting on June 2023 for over a year now and every time to request the same documents, request for some that are completely incompatible with the dispute, and despite the piling amount of evidence I keep sending their team that I was scammed by a company that won't honor their refund policy, they keep siding with the vendor and resolving the dispute in their favor. This company does not protect their clients from fraud and keep demanding I pay for the charge (plus interest). I will be filing a separate complaint for Arturo J****** as well.

  Business Response

  Date: 01/14/2025

  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 Portal on January 07, 2025. The
  Bank appreciates the opportunity to address the concerns raised ****** ******
  (the “Customer”) related to two transaction disputes with Arturo J******
  Consulte in the amount of $2,000.00 each from June 02, 2023, and July 2, 2023.
  The Bank conducted an investigation and confirmed an inadvertent processing
  error occurred. The Customer initially disputed the transaction for $2,000.00
  from June 02, 2023, on July 09, 2023, and reopened the dispute seven times
  between August 02, 2023, and October 05, 2024. On July 6, 2023, the merchant
  posted a refund credit in the amount of $2,000.00. Based on the refund, the
  Bank resolved the disputes as merchant credited. As a result, the temporary
  credits that were applied to the Customer’s account were reversed between
  August 02, 2023, and December 11, 2024. The Bank sent the Customer emails
  detailing the dispute outcomes.
  The second transaction for $2,000 from July 02, 2023, was initially disputed on
  February 29, 2024. Based on the investigation and a review of the evidence
  provided, the Bank resolved the dispute in merchant’s favor as there was not
  sufficient evidence provided to substantiate the claim. As a result, the
  temporary credit applied to the Customer’s account was reversed on April 30,
  2024. The Bank sent the Customer an email detailing the dispute outcome. The
  dispute was reopened on April 30, 2024, and the Bank applied a temporary credit
  while the dispute was re-investigated. Due to a processing error, the dispute
  was resolved incorrectly in the merchant’s favor as the evidence provided by
  the Customer on May 6, 2024, was not fully considered. As a result, the
  temporary credit was reversed on June 5, 2024. The Bank sent the Customer an
  email detailing the dispute outcome.
  The dispute for the transaction made on July 2, 2023, was reopened on December
  17, 2024, and the Bank applied a temporary credit while the dispute was
  re-investigated. The dispute was ruled in the Customer’s favor based on the
  available evidence provided by the customer on May 06, 2024. As a result, the
  temporary credit that was applied to the Customer’s account was made permanent
  on January 13, 2025. The Bank sent the Customer an email detailing the dispute
  outcome.
  
  The Bank confirmed that during the dispute investigations, the account did not
  incur interest for the amount in dispute and the Customer was not responsible
  for repayment. An interest credit of $173.32 was applied to the account on
  December 17, 2024, for the disputed transaction from July 02, 2023. The interest credit applied is now
  permanent. The Bank is unable to provide the Customer with further
  compensation. The Bank regrets any frustrations the Customer experienced.
  Based on the above details, the Bank kindly requests for this complaint to be
  closed.

  Customer Answer

  Date: 01/16/2025

  
  
  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:01/06/2025

  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.

  MARCUS LOCKED ME OUT OF MY ACCOUNT WITH NO ABILITY TO ACCESS MY MONEY. THIS WAS DONE FOR NO REASON AT ALL AND WITHOUT ANY EXPLANATION TO ME. I HAVE ALREADY PROVIDED A NOTARIZED AFFIDAVIT OF IDENTITY. I WAS SENT AN EMAIL THAT ASKED ME TO CALL THEM TO HAVE MY ACCOUNT UNLOCKED. I DID CALL THEM AND WAS ASKED IDENTIFICATION SECURITY QUESTIONS WHICH I CORRECTLY ANSWERED. I WAS TOLD MY ACCOUNT STILL COULD NOT BE UNLOCKED AND WAS UNDER REVIEW! I WANT ACCESS TO MY FUNDS AND MY ACCOUNT UNLOCKED IMMEDIATELY AND NO FURTHER PROBLEMS FROM MARCUS. I CAN WITHDRAW MY OWN MONEY WHENEVER I WANT AT MY OWN DISCERNMENT! THEY HAVE DONE THE SAME THING TO NUMEROUS PEOPLE.

  Business Response

  Date: 01/13/2025

  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 6, 2025. The Bank appreciates the opportunity to address the concerns raised by ******** ******* (the Customer) related to accessing their ************** Account (OSA).
  On December 13, 2024, the Bank conducted an account maintenance review of the Customers profile and identified security concerns regarding the Customers profile. Subsequently, the Bank restricted the Customers OSA until the security concerns could be resolved. On January 4, 2025, the Customer contacted the Bank regarding their account access, but the Bank could not successfully authenticate the Customer and the security concerns remained.
  After further review, on January 6, 2025, the Bank resolved the security concerns affiliated with the Customers profile and restored their account access. On January ******, the Bank successfully processed the Customers request to transfer funds from their *** to an external account.
  Based on the above details, the Bank kindly requests this complaint to be closed.

• Initial Complaint

  Date:01/05/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I opened a marcus savings account within one week and deposited $10,000 at account opening. However, yesterday, I stumbled upon my account being closed for no reason. I called back and forth to customer service several times and answered every questions correctly and clearly, but no one was able to really help me resolve the issue. I am tired of this and would like to have the full amount of money I deposited returned to my original account.

  Business Response

  Date: 01/10/2025

  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 January 06, 2025. The Bank appreciates the
  opportunity to address the concerns raised by ****
  **** (the “Customer”) related to accessing their Online Savings Account
  (“OSA”).
  On January 2, 2025, the Bank conducted an account
  maintenance review, identified security concerns regarding the Customer's
  identity, and restricted the Customer’s online banking access until the
  security concerns could be resolved.
  
  On January 5, 2025, the Customer contacted the
  Bank regarding their account access; however,
  the security concerns remained. The following day, the Customer contacted the
  Bank regarding their online access and a Bank specialist assisted with
  resolving the security concerns by verifying the Customer’s identity using
  alternative methods. Subsequently, the Bank specialist removed the restrictions
  from the Customer’s account.
  On January
  9, 2025, the Bank attempted unsuccessfully to contact the Customer to assist
  with transferring funds as the Customer requested. The Bank requests the
  Customer to call the Bank toll-free at 1-855-730-SAVE (###-###-####), Monday
  to Friday, 8 am – 10 pm, Saturday to Sunday, 9 am – 7 pm ET for further
  assistance.
  Due to the experience, the Bank 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.
  

  Customer Answer

  Date: 01/13/2025

  
  
  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:01/03/2025

  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.

  I had a CD with Marcus that matured on 12/14/24. My instructions were to transfer it to ***** ******* Credit Union. According to Marcus the money was transferred on 12/16/24. Today is 1/3/25 and the money is still not in my ***** account. I called Marcus several times asking where my money is and for a tracking or tracing number for the transfer. Marcus says there is no tracking number and they have no clue where my money is. They were supposed to do an investigation and have a supervisor call me back, which I never received. This is over $5200 that has been in limbo for almost 3 weeks now. I want my money.

  Business Response

  Date: 01/10/2025

  BBB Response
  D’Ascoli
  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
  4, 2025. The Bank appreciates the opportunity to address the concerns raised by
  ********* ******** (the "Customer”) related to the closure of their
  Certificate of Deposit (“CD”).
  On
  November 15, 2024, the
  Customer provided the Bank with instructions to close their CD at maturity with
  funds transferring to an external account. Upon maturity, the
  Bank successfully processed the transaction as requested. On December 16, 2024,
  the Bank closed the CD.
  Between December 18, 2024 and
  December 31, 2024, the Customer contacted the Bank regarding their CD closure.
  Unfortunately, the Bank experienced a delay in further investigating the
  matter.
  After
  further review, on January 9, 2025, the Bank contacted the Customer regarding
  the closure of their CD. A Bank specialist assisted with locating the
  transferred funds from the CD by conducting a three-way call with the Customer
  and external institution. During the call, the external institution confirmed the
  funds had been received to the external account on December 16, 2024.
  Based on the above details, the
  Bank kindly requests this complaint to be closed.

• Initial Complaint

  Date:12/27/2024

  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 called 3 times transfered 5 times each call simply to try and close a savings account linked to a closed apple credit card.. no one seems to be able to help me and they all transfer me to the department that can how is this legal!!! LET ME CLOSE MY SAVINGS ACCOUNT

  Business Response

  Date: 01/03/2025

  Goldman Sachs (the Bank) received the above-referenced complaint via the Better Business Bureau (BBB) Complaint Portal on December 28, 2024. The Bank appreciates the opportunity to address the concerns raised by Jennavicia ******* (the Customer) related to the closure of their Savings account.
  On December 27, 2024, the Customer contacted the Bank requesting to close their Savings account. After further review, on January 2, 2025, the Bank successfully closed the ***************** account and is currently in the process of mailing check to the address on file for the remaining balance.  
  Based on the above details, the Bank kindly requests this complaint to be closed.

• Initial Complaint

  Date:12/24/2024

  Type:Sales and Advertising 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 December 23rd, 2024 with a credit score of 740 and good standing, I applied for the Apple Card and immediately got denied after previously being approved prior but wasnt not yet ready. I got and email that I had applied too many times which I wasnt not provided what the limit of times in a period of time was. This is misleading and discouraging and is Goldman Sachs can not fix this issue the no wonder they have a failing partnership with *****.

  Business Response

  Date: 12/30/2024

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on December 25, 2024. The Bank appreciates the opportunity to address the concerns raised by ****** ****** (the Customer) related to a declined application for ****************************** conducted an investigation and confirmed no Bank error occurred. According to the *************, the Consumer submitted the most recent application on December 18, 2024. The Bank approved the application and presented an offer detailing the credit limit and Variable Annual Percentage Rate including the Apple Card Customer Agreement. The Customer rejected the offer and did not open the account. When a consumer submits an application, the Bank evaluates multiple factors, including the consumers credit score, credit report (including current debt obligations), and the income reported on the application when reviewing the Apple Card application. For security purposes, the Bank only allows a certain number of applications to be submitted by the Consumer within a 30-day period. The Bank recommends the Consumer reapply again 30 days after the last attempted application.
  
  Based on the above details, the Bank kindly requests for this complaint to be closed.