Complaints

This profile includes complaints for Marcus by Goldman Sachs's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Marcus by Goldman Sachs

  11850 S Election Rd Draper, UT 84020-6887

  
• 

  Marcus by Goldman Sachs

  PO Box 45400 Salt Lake City, UT 84145-0400

  
• 

  Marcus by Goldman Sachs

  PO Box 1978 Cranberry Twp, PA 16066-0978

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:10/23/2024

  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.

  Good morning,**** *******, here. About 2 months ago I realized fraudulent charges on my Apple Credit Card. I reported and my account was adjusted as with any credit card. However yesterday I noticed a provisional adjustment. I am being told the Video games business that someone was Charing to my account had made adjustments to my account and mcredit card (Sachs bank) is now charging me for this transaction.I don't understand why am being charged for something I did not charge. Am a 57-year-old lady and don't sown money fribalesley.Please help $300 on my account that did not make.

  Business Response

  Date: 10/30/2024

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on October 23, 2024. The Bank appreciates the opportunity to address the concerns raised by **** ******* (the Customer) related to 48 transaction disputes with the merchant ****************************** conducted an investigation and confirmed no Bank error occurred. The Customer initially disputed the transactions between August 3, 2024, and August 6, 2024. The **** applied temporary credits while the disputes were investigated. Between August 6, 2024, and August 9, 2024, the merchant posted 19 refund credits totaling $388.34. As a result, the 19 disputes were resolved as merchant credited and the temporary credits were reversed. The Bank sent the Customer emails detailing the dispute outcomes. The remaining 29 disputes were resolved in favor of the merchant because the Bank was unable to locate any suspicious, fraudulent, or unauthorized takeover of the Customers account. As a result, the temporary credits were reversed from the account. The Bank sent the Customer emails detailing the dispute outcomes.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:10/22/2024

  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 am writing to formally file a complaint against Goldman Sachs in relation to their handling of my ***** Card account. I have been a loyal cardholder for several years and have always maintained my account in good standing. My payments have consistently been made on time, and I have taken particular care to adhere to all stated terms and conditions.Recently, after making a significant payment on my account, I was informed that I had violated the terms of my agreement with Goldman Sachs. However, despite multiple inquiries, no clear explanation or clarification has been provided as to how I violated these terms. I find this lack of transparency extremely troubling, particularly as I have made every effort to ensure my account is in full compliance with the rules.I believe this situation constitutes predatory behavior, as I am being penalized without clear cause, and I have never missed a payment or acted in bad faith with regard to my Apple Card. The lack of clarification and the sudden nature of this violation notice have caused me significant stress and concern.I kindly request that the Better Business Bureau look into this matter and assist in facilitating a resolution. My goal is to understand why my account has been flagged in this manner and to ensure that my credit standing and financial reputation are not unjustly harmed.

  Business Response

  Date: 10/29/2024

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on October 22, 2024. ******** appreciates the opportunity to address the concerns raised by *********** ****** (the Customer) related to an Apple Card account closure.
  ******** conducted an investigation and confirmed no Bank error occurred. The Customers concern references the closure of an Apple Card account. As part of the Banks review process, the Bank identified red flags related to the Customers account. Based on an investigation, and in accordance with the Apple Card Customer Agreement, the Bank closed the account and sent the Customer an email informing of the account closure on October 22, 2024. The Bank is unable to provide additional information related to the investigation. ******** is unable to reopen the account.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

  Customer Answer

  Date: 10/29/2024

   
  Complaint: 22457710
  
  I am disappointed with the response provided regarding the abrupt closure of my Apple Card account. I have been a longstanding, responsible customer for over four years, with a perfect history of on-time payments and a commitment to maintaining a strong credit relationship. Given this, I was shocked to have my account closed without prior warning or a clear explanation.
  While I understand that the Bank referenced red flags in my account, no specific information has been provided to help me understand or address any potential concerns. This lack of transparency is frustrating and leaves me questioning the reasoning behind this decision. Additionally, the sudden closure of this account has impacted my credit, and I believe I deserve a more detailed and customer-focused explanation.
  I request that Marcus by Goldman Sachs reconsider this decision or, at the very least, provide a ****** account of what led to this drastic measure. I have taken great care to maintain a positive credit standing, and this closure feels both unwarranted and highly disruptive.
  Thank you for your attention to this matter. I look forward to a response that takes into account my long-standing history and loyalty as a customer.
  
  Sincerely,
  
  *********** ******

• Initial Complaint

  Date:10/21/2024

  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 opened up a Goldman Sachs ***** card in January. I never used the card but somehow over $15,000 in charges, all to the same merchant, were charged to the digital card. One day, there were 10 plus charges of $99.99 but still no notification or suspicion of fraud.I filed fraud charges in July when I became aware of this activity. ***** helped me get my ID changed, a new digital card number, and helped me identify all of the charges which had been improperly approved by Goldman Sachs. I never had a physical card for this ***************************************************** started helping me out, and correctly filed 35 of the over 450 fraudulent charges with *****. These 35 charges were reversed and my account was credited because they were quickly determined to be fraudulent. Then on one day, over 400 charges, all to the same merchant as the first 35 charges, were declared legitimate. I contacted two separate managers who told me that these charges were improperly investigated and notes for one of them were cut and pasted on the other 400. They were never even looked into and ignored. They escalated the claims for me because fraud was easy to see. It took them less than five minutes to determine this. When calling to check on things, I have been placed on long holds, hung up on, told that I was being overdramatic, not called when promised, and told standard pre rehearsed messages over and over. I've had managers call each other liars, was never able to speak with the same person because there are no direct lines, and been called back when they knew I was in class so that I couldn't ask clarifying questions. I have been told by both supervisors that I should not have to put up with this type of aggravation and that I should be refunded my money promptly. One of them even said that it should take less than a week to get this matter resolved and have my money back in my account. I need your help in getting my hard earned money back from this disorganized, belligerent, poorly run company!

  Business Response

  Date: 10/28/2024

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on October 21, 2024. ******** appreciates the opportunity to address the concerns raised by **** ******* (the Customer) related to multiple transaction disputes with the merchant ********* for various amounts.
  ******** conducted an investigation and confirmed no Bank error occurred. The Customer initially disputed the transactions on July 16, 2024, and September 5, 2024, September 6, 2024, September 9, 2024, September 10, 2024, September 11, 2024, and October 11, 2024. The **** applied temporary credits while the disputes were investigated. Based on the investigation and a review of the evidence provided, the Bank resolved the disputes in favor of the merchant. ******** was unable to locate any suspicious, fraudulent, or unauthorized takeover of the Customers account. As a result, the temporary credits that were applied to the Customers account were reversed on July 20, 2024, July 22, 2024, July 25, 2024, September 5, 2024, September 6, 2024, September 9, 2024, September 10, 2024, September 11, 2024, September 27, 2024, and October 25, 2024. ******** sent the Customer an email detailing the dispute outcomes. ******** 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.

  Customer Answer

  Date: 10/28/2024

   
  Complaint: 22453466
  
  I am rejecting this response because: I did not make these charges! My Apple ID was compromised and I did not have access to it during the times that these transactions occurred. I didnt know they were being run up and never got notified by Goldman Sachs about improper use of the card. I didnt regain access to it until late in July when these charges were filed. I have relayed this message to NUMEROUS people at Goldman Sachs bank, and as of this past Saturday, my account had not been notated with this information. The amount of time, and the extreme effort which has been required to even get in touch with these people is completely unacceptable and a clear case of corporate corruption!! This is a case of multi-billion dollar business vs. a small customer. Its a corporate abuse of power and my appeals for help have fallen on deaf ears. When you look at these transactions its clear to see that they were not made by me. The first 40 transactions, all from the exact same merchant, went in my favor and were a clear admittance in the part of the bank that these charges were indeed fraudulent. it is not my responsibility to be sure that proper investigations take lace. I will never accept this type of corporate abuse of power! Those first transactions, which went in my favor, were the only ones investigated properly and then hundreds of transactions were just sent back in the favor of the merchant? This is a clear attempt to ignore my pleas for help. If I need to consider legal action then I will do so. I will not pay for someone elses digressions. This is exactly whats wrong in ***************** Big, rich, corporate entities have no regard for the common customer. I want my money back and will not rest until this is done. My concerns have been frivolously ignored for long enough. Give me back what was stolen from me!!

  
  Sincerely,
  
  **** *******

• Initial Complaint

  Date:10/21/2024

  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 saving account at ******************** and they suddenly closed my account last week. It was open for couple weeks and I put all money in there. Now I do not have access to my own money and they did not provide me with any information or warning. All my money is stuck in there and I have no access to my own money. They said it may take up to 45 businesss days, but I need my money right now.

  Business Response

  Date: 10/28/2024

  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 October 21, 2024. The Bank appreciates the opportunity to address the concerns raised by ********* ***** (the "Customer) related to accessing their ************** Account (OSA).
  On October 16, 2024, the Bank conducted an account maintenance review and identified security concern regarding the Customers profile. Subsequently, the Bank  restricted the Customers OSA. Due to the ongoing security concerns, the **** made a business decision to close the account.
  On October 18, 2024,the Customer contacted the Bank regarding their account access and a Bank specialist informed the Customer of the Banks decision. On October 23, 2024,the Customer contacted the Bank and a Bank specialist assisted the Customer with initiating the accounts closure by transferring funds back to the original funding account. Later that same day, the Bank successfully processed the account closure.
  Based on the above details, the Bank kindly requests this complaint to be closed.

• Initial Complaint

  Date:10/18/2024

  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.

  Accidentally overpaid my credit card back on 7/7/2024 and they wont refund my money. I want it put back into my checking account where the money originated from

  Business Response

  Date: 10/25/2024

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to GM Card via the Better Business Bureau (BBB) Complaint Portal on October 19, 2024. ******** appreciates the opportunity to address the concerns raised by ***** ********* (the Customer) related to a credit balance refund request.
  ******** conducted an investigation and confirmed no error occurred. A credit balance was created on the account in July 2024, due to overpayment of the account. The Customer contacted the Bank on August 28, 2024, October 2, 2024, and October 10, 2024, to request a credit balance refund. The **** initially denied the requests for a credit balance refund due to fraud concerns relating to the request and payments received. ******** conducted an additional investigation in response to the Customers complaint and all fraud concerns were cleared. As a result, the Bank issued a credit balance refund via check in the amount of $21,841.83 on August 23, 2024. ******** regrets the frustrations the Customer experienced.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:10/17/2024

  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 have been a customer for years. I have always had the same linked bank accounts. I transferred in funds from my checking account because of interest. Once it arrived I realized my other savings account has a higher interest rate. So logically I initiate a transfer there. Then Marcus calls me and confirms it was me just saying its for security. They tell me to call back in order to reinitiate. I call them back and transfer. Later the same day they call me again, cancelling my transfer. Saying I can only transfer to my other account. I tell them I need to send funds to my highest interest bearing account. I ask when I can transfer and they have no answer whatsoever. Not any time frame. Marcus will lock up your money. They lie and insinuate customers for years a criminals. The customer service was extremely rude in specific ***** from ************ Not to mention incredibly unprepared to have a conversation with a client.I want a reimbursement for my time value of money. Mininum 0.25% on all funds stuck in limbo from these cancelled transfers. You have directly caused financial loss to a client.

  Business Response

  Date: 10/24/2024

  BBB Response Brown
  ID ********
  **********************, a brand of Goldman Sachs Bank USA (the Bank), received the above-referenced complaint via the Better Business Bureau Complaint Portal on October 17, 2024. The Bank appreciates the opportunity to address the additional concerns raised by *********** ***** (the Customer) related to accessing funds in their ************** Account (OSA).
  On October 11, 2024, the Customer initiated an outgoing transfer from their OSA to an external account. During the transfer processing review, the Bank identified security concerns regarding the account and contacted the Customer. During the call, the Bank advised funds need to return to the funding account and the Customer stated they will contact the Bank at a later time to close their OSA.
  On October 17, 2024, the Customer initiated an outgoing transfer from their *** to an external account. During the transfer processing review, the Bank identified security concerns regarding the account, attempted unsuccessfully to contact the Customer, and restricted the *** until the security concerns could be resolved. Later that same day, the Customer contacted the Bank and the Bank specialist advised the Customer the funds needed to return to the funding account. Subsequently, the Customer requested to close the *** and the Bank advised the Customer to wait until the funds reversed back to the **** which occurred the next day.
  On October 21, 2024, the Bank attempted unsuccessfully to contact the Customer to address the security concerns and to assist with OSA closure as the Customer requested. The Bank requests the Customer call the Bank toll-free at ************** ***************), Monday to Friday, 8 am 10 pm, Saturday to Sunday, 9 am 7 pm ET for further assistance.
  Based on the above details, the Bank kindly requests this complaint to be closed.

  Customer Answer

  Date: 10/25/2024

   
  Complaint: 22437779
  
  I am rejecting this response because: Not good enough. Customer is always right.
  
  Sincerely,
  
  *********** *****

• Initial Complaint

  Date:10/17/2024

  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 October 17, Marcus by Goldman Sacks refused to do a wire transfer from our account to our escrow account to close on our house for October 18. We initiated a wire transfer to our *** account twice and both times it failed. We then were told to add my information to the Marcus account and that it would work to have the wire sent to my account. That also failed based on quick money as being the reason. We were reassured it would work. Calling back, they told us we would only be able to do an ACH transfer now. This has completely ruined our moving plans for this weekend and prevents us from moving on or original closing date. The customer service is so poor and nothing has been done to mediate or resolve this issue. In total, we spent over three hours and made six phone calls to Marcus with no resolution, wrong answers and further issues. Upon requesting to speak to a manager, they denied that they had a manager.

  Business Response

  Date: 10/23/2024

  BBB Response Padanyi
  ID ********
  **********************, a brand of Goldman Sachs Bank USA (the Bank), received the above-referenced complaint via the Better Business Bureau Complaint Portal on October 17, 2024. The Bank appreciates the opportunity to address the concerns raised by ***** ******* (the "Customer) related to accessing funds in their ************** Account (OSA).
  On October 17, 2024, the Customer contacted the Bank to initiate a wire transfer from their *** to an external account. During the transfer processing review, the Bank identified security concerns regarding the account,attempted unsuccessfully to contact the Customer, reversed the transfer, and restricted the *** until the security concerns could be resolved.
  Later that same day, the Customer contacted the Bank regarding the transfer and a Bank Specialist advised the Customer that funds must be sent to the original funding account. As an alternative, the Bank specialist assisted the Customer with a different outgoing transfer to an external account,which successfully processed the same day.
  Based on the above details, the Bank kindly requests this complaint to be closed.

• Initial Complaint

  Date:10/16/2024

  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 need help resolving a fraudulent savings account opened at ********************** and to date have been unsuccessful.I am a victim of Identity theft. An account used for fraudulent loan funds remittance was opened at used to fund a fraudulent loan.I notified Marcus by Goldman Sachs and was told the account was being closed due to the fraud. I have been working with the fraudulent loan company to dispute the loan made in January 2024. Up to the point of the fraudulent loan, I had no knowledge of the account at ********************** and the first statement I received was in March 2024. Apparently, the account was opened in October 2020. Police report and identity theft reports were filed immediately and have been provided to ************************* order to clear the fraudulent loan, they need a letter stating the Marcus account is fraudulent. I have no idea why Marcus will not provide confirmation that a fraudulent account was opened in my name despite numerous requests and phone calls.

  Business Response

  Date: 10/23/2024

  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 October 16, 2024. The Bank appreciates the opportunity to address the concerns raised by ***** ******* (the Consumer) related to the unauthorized opening of an ************** Account (***).
  On October 17, 2020, an individual opened an *** with the Consumers information. On January 17, 2024, an individual initiated an incoming transfer from an external account to the **** On March 4, 2024, the Consumer contacted the Bank to inform the Bank specialist that the *** was opened without the proper authorization and requested information regarding the **** A Bank specialist opened an investigation into the Consumers concerns and provided the Consumer with the documentation needed to release information used during the *** application process.
  After further review, on March 14, 2024, the Bank completed its investigation and closed the unauthorized **** The Bank mailed a closure letter to the Consumers address on file on March 15, 2024, and again on October 18, 2024.
  Based on the above details, the Bank kindly requests this complaint to be closed.

• Initial Complaint

  Date:10/16/2024

  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.

  This company allowed a fraud to be perpetrated and an account to be setup in my name using my personal information - including my social security number. I called and reported it on 8/19/24. I also setup a police report. I was told by Goldman Sachs (along with the police officer that called) that we were to mail a letter with a copy of the police report and we would receive information on the fraud that was perpetrated against me so I could properly have the police investigate and ensure that I was safe and my credit was secure and that the person who did this was properly prosecuted. Goldman Sachs has continued to refuse to provide any information to myself or the police, despite following their instructions. A fraudulent account is still active in my name and they are allowing it to continue and aren't providing any information to me or to the police. What sort of bank operates this way?

  Business Response

  Date: 10/23/2024

  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 October 16, 2024. The Bank appreciates the opportunity to address the concerns raised by **** ******-****** (the Consumer) related to an unauthorized account application.
  On August 19, 2024, an individual submitted an application utilizing the Consumers information. Later that same day, the Consumer contacted the Bank to inform of the unauthorized application and the Bank opened an investigation into the Consumers concerns. In addition, the Bank specialist informed the Consumer of the proper documentation needed to release information pertaining to the submitted application.
  On September 18, 2024, the Bank completed the investigation and declined the application due to security concerns. The Bank can confirm that an account was not opened in the Consumers name.
  Based on the above details, the Bank kindly requests this complaint to be closed.

• Initial Complaint

  Date:10/15/2024

  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 am not liable for this debt with ***** CARD - ***********. I do not have a contract with the collection trying to collect and report this information to my credit report. Nor have they provided the original contract as requested.

  Business Response

  Date: 10/22/2024

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on October 15, 2024. ******** 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 February 17, 2021. 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 April 30, 2023, as a result of the Customer failing to make a payment to satisfy the amount due by October 31, 2022. The bank successfully delivered Statements, Payment Due Reminders, Missed Payment Reminders, and Eligible for Bureau Reporting reminders to the email address on file for 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 or remove the tradeline from the Customers credit report.
  ******** sent the Customer the requested documents on October 21, 2024, validating the Customer's debt including a copy of the Apple Card Customer Agreement and a full statement history showing records of transactions and payments to validate the balance and the debt owed. ******** is the original creditor and is not a debt collector. The Customer is responsible for the balance on the account in the amount of $10,454.17 provided in the latest statement from April 30, 2023.
  Based on the above details, the Bank kindly requests for this complaint to be closed.