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:03/15/2023

  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.

  Every time I get a message that I can apply for a apple credit card I get denied because of my credit score or my credit report and I feel that its discrimination because Im not wealthy enough for this card every one deserves a chance my income annually is enough for me to qualify with that being said all I want to come out of this to be able the opportunity to get approval from this company for this apple credit card

  Business Response

  Date: 03/21/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on March 15, 2023. ******** appreciates the opportunity to address the concerns raised by ******************** (the Customer) related to declined applications for Apple Card.
   
  ******** conducted an investigation and confirmed no Bank error occurred. According to the Banks records, the Customer submitted the most recent application on March 3, 2023. When a Customer submits an application, the Bank evaluates multiple factors, including current credit history, outstanding debt in relation to income, and credit score. Goldman Sachs uses the customers credit score, credit report (including current debt obligations), and the income reported on the application when reviewing your Apple Card application.
  
  Unfortunately, the Bank was unable to approve the Customers application. Consequently, and in adherence with applicable law, the Bank sent the Customer an email detailing the reasons the Bank could not approve the application. These emails provide contact information for the ************************* should the Consumer have concerns related to the accuracy of the information reported within the Consumers Credit Report.
  
  Goldman Sachs Bank does not consider the following when making credit decisions: race, color, religion, creed, national origin, ***, marital status, age (provided the applicant has the capacity to contract), military status, familial status, sexual orientation, gender identification or expression, disability, receipt of public assistance, whether an applicant exercised rights under the Consumer Credit Protection Act, or any other prohibited bases under state laws.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:03/13/2023

  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 Apple Card and do not have a contract with GS BANK USA. They did not provide me with the original application as I asked.

  Business Response

  Date: 03/20/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on March 13, 2023. ******** appreciates the opportunity to address the concerns raised by *************************** (the Customer) is related to credit reporting, and a request for signed documents.
  ******** conducted an investigation and confirmed no error occurred. ******** investigated the Customers account and confirmed the Customer opened the account on May 27, 2021. The Customer is responsible for the balance on the account of $700.29 provided in the latest statement from February 2023. The Bank sent the Customer documents on March 17, 2023, including a copy of the Apple Card Customer Agreement and up to 1 year of statement history showing records of transactions and payments to validate the balance and the debt owed. ******** confirmed the credit reporting is correct and accurate. The Bank is obligated to report accurately to credit reporting agencies and is unable to update the Customers credit reporting.
  ******** is unable to provide the Customer with signed documents as the Customer electronically consented to the Terms and Conditions by completing the application and opening the account.
  Based on the above details, we kindly request this complaint be closed.

• Initial Complaint

  Date:03/12/2023

  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 tried 5-6 times to open an account on the Marcus app. Every time, it tells me to call the phone number because they need more info. I finally called, and all they could tell me was that I needed to get bout all my info yet again. They said they couldnt open an account. The person on the phone could only tell me, sorry, thats all the info they gave me. So, I have money to invest, but cant get past the darn app. And telephone customer service was no help.

  Business Response

  Date: 03/17/2023

  BBB Response ******
  ID ********
  **********************, a brand of Goldman Sachs Bank *** (the Bank), received the above-referenced complaint via the Better Business Bureau Complaint Portal on March 12, 2023. The Bank appreciates the opportunity to address the concerns raised by ********************* (the Consumer) related to their application experience.
  Per the Banks records on February 01, 2023, and February 20, 2023, the Consumer submitted multiple applications via the Banks website, which the Bank declined. The Bank was unable to verify the accuracy of the information provided by the Consumer. The Consumer may call the Bank at 1-855-730-SAVE ***************), Monday to Friday, 8 am - 10 pm, or Saturday to Sunday, 9 am - 7 pm ET if further assistance is needed.
  Based on the above details, the Bank kindly request this complaint to be closed.  

  Customer Answer

  Date: 03/20/2023

   
  Complaint: 19586781
  
  I am rejecting this response because: they completely ignored the complaint. I did exactly what they askedto call the phone number. The phone rep basically said, use the app. Then I used the app, and it said to call the phone number. I asked the phone rep if there was anyone else there I could speak with, and she said no. She couldnt tell me what info could not be verified, could not give me any other options, and basically said there was nothing else she could do.
  
  Sincerely,
  
  *********************

  Business Response

  Date: 03/27/2023

  Marcus by Goldman Sachs, a brand of Goldman Sachs Bank *** (the Bank), received the above-referenced complaint via the Better Business Bureau Complaint Portal on March 20, 2023. The Bank appreciates the opportunity to address additional concerns raised by ********************* (the Consumer) related to their application experience.
  As stated in the prior response, on February 1, 2023, and February 20, 2023, the Consumer submitted multiple applications via the Banks website. As part of the Banks application process, the Bank conducts a review to verify the identity of each applicant. The Bank declined the applications due to the inability to verify the Consumers identity. The Bank is unable to provide additional information related to the decision.
  Based on the above details, the Bank kindly request this complaint to be closed.  

• Initial Complaint

  Date:03/10/2023

  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.

  Ok I have two charges I didn't approve one for 3 thousands plus and another for **** plus on my credit card which has a fraud protection and they refuse to credit my account and the charges is not mines on a credit limit of 500 hundred dollars and this isn't the first time I had issue with this situation since leaving capitol one and I been with my card since 2016 and never had this much trouble

  Business Response

  Date: 03/20/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the ** Card via the Better Business Bureau (BBB) Complaint Portal on March 13, 2023. We appreciate the opportunity to address the concerns raised by ********************************* (the Customer) related to multiple transaction disputes with the merchant ************************* conducted an investigation and confirmed a system error occurred. The Banks records indicate a transaction from the merchant ***** posted to the account on December 27, 2022,in the amount of $3,687.77 and a transaction from the same merchant posted to the account on January 21, 2023, in the amount of $1,993.90.

  
  The Customer contacted the Bank on December 27, 2022 and reported the $3,687.77 transaction as unauthorized. A transaction dispute was initiated, and the Bank applied a temporary credit while the dispute was investigated. The Customer contacted the Bank on January 21, 2023 and reported the $1,993.90 transaction as unauthorized. A transaction dispute was initiated, and the Bank applied a temporary credit while the dispute was investigated.

  
  The Bank ruled the $1,993.90 dispute in the merchants favor because the Customer requested to withdraw the dispute on January 21, 2023. The temporary credit was rebilled, and the Bank emailed dispute outcome details to the Customer on February 13, 2023.

  
  The Bank ruled the $3,687.77 dispute in the merchants favor because the merchant provided evidence that tied the Customers information to the transaction. The temporary credit was rebilled, and the Bank emailed dispute outcome details to the Customer on February 26, 2023.

  
  The Customer contacted the Bank on February 24, ****************************************************************************** the amount of $1,993.90. The Bank contacted the Customer on March 20, 2023 and advised that due to a technical issue, the Bank is still working on reasserting the Customers dispute. Once the dispute is reasserted the Customer will receive a temporary credit while the dispute is being investigated.

  
  The Customer contacted the Bank on February 27, ****************************************************************************** the amount of $3,687.77. The transaction dispute was reasserted, and the Bank applied a temporary credit while the dispute is investigated. The Customers dispute with ***** remains under investigation, and the Bank expects completion within two billing cycles after date of receipt, and no later than 90 days from date of receipt. During the investigation, the Customer does not incur interest for and is not responsible for repayment.

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

• Initial Complaint

  Date:03/10/2023

  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.

  Apple Card is issued by Goldman Sachs Bank. They are charging my apple card for fraudalent subscriptions. CSR stated on three different phone calls; we do not any subscriptions requested from your cell phone. However, GSB is charging me a recurring late fee. Apprx 20 days ago a CSR reversed the interest rates because she did not any charges that belong to me. I have sinced closed my account due to fraudalent charges.

  Business Response

  Date: 03/17/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to ***** Card via the Better Business Bureau (BBB) Complaint Portal on March 11, 2023. The Bank appreciates the opportunity to address the concerns raised by *********************** (the Customer)related to unauthorized transactions with ***** Services.
  The Bank conducted an investigation and confirmed due to a processing error, the unauthorized transactions were not disputed. The Bank attempted to contact the Customer on March 14, 2023, March 15, 2023, and March 16, 2023, to address the Customers concerns, however, the Bank was unable to reach the Customer. 
  On March 16, 2023, the Bank opened the disputes. The Bank confirms the disputes with ***** Services remain under investigation, and the Bank expects completion within two billing-cycles after the date of receipt and no later than 90 days from date of receipt. During the investigation, the Customer does not incur interest for the amount of the dispute and is not responsible for repayment. The Bank applied temporary credits to the account on March 16, 2023. The temporary credits may not be available for use during the investigation.
  The Bank does not have late fees for the ***** Card. The Customer was charged interest for the months of May 2022, June 2022, July 2022,August 2022, September 2022, November 2022, December 2022, and January 2023. To avoid interest charges, Customers are required to pay the monthly balance in full as of the end of the previous month by the due date every month. If the monthly balance is not paid in full on or before the due date, Customers are charged interest on the monthly balance for the days until the Customer fully pays it off. This is also known as trailing interest. Additional details regarding how the Bank calculates interest can be found in the ***** Card Customer Agreement. The Bank regrets the frustrations this Customer has experienced.
  The Bank confirmed the credit reporting is correct and accurate. The Bank is obligated to report accurately to credit reporting agencies.
  Based on the above details, we kindly request this complaint be closed.

  Customer Answer

  Date: 03/20/2023

   
  Complaint: 19581921
  
  I am rejecting this response because:The charges are not mine. I have no subscriptions under my plan and will not pay for what is not my debt. 
  
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:03/09/2023

  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 account is inaccurate under 15 U.S.C. ****g validation of debt. GS BANK USA has been reporting inaccurate and incomplete account information to my credit file. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code ****k - Civil liability. I am maintaining a careful record of my communications with you for the purpose of filing a complaint to the *** if the non-compliance continues. Like, Wenger ** ****************** No. 95-6445 (C.D.Cal. No** 14,1995), GS BANK USAmay be liable for your willful non-compliance. Also, in ****** ** ******************* Services LLC (D. ****. 2018), GS BANK *** may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history.Under 15 U.S. Code ****d - Disclosure of investigative consumer reports; you are in violation. I have attached the definition so you can see the violation! (a)Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless(1)it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure (A) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested ACCOUNT NUMBER ****************

  Business Response

  Date: 03/16/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on March 09, 2023. We appreciate the opportunity to address the concerns raised by ******************* (the Customer) related to credit reporting and debt validation for the Apple ******************** conducted an investigation related to credit bureau reporting and confirmed no Bank error occurred. According to the Banks records, the Customer opened the account on October 11, 2019. The Customers account did not receive the required minimum payment due for the months of February 2021, March *****, April 2021, May 2021, June 2021, July 2021, and August 2021. The account charged off on August 31, 2021 with a balance of $9,505.66. As a result, the Bank reported the account to the credit reporting agencies as past due and charged off. ******** confirmed the credit reporting is correct and accurate, the Bank is obligated to report accurately to credit reporting agencies. ******** is unable to remove the Customers credit reporting.
  
  ******** sent the Customer documents on March 10, 2023, including a copy of the Apple Card Customer Agreement and up to six (6) months of statement history showing records of transactions and payments to validate the balance and the debt owed. ******** is unable to provide the Customer with signed documents as the Customer electronically consented to the Terms and Conditions by completing the application and opening the account.
  Based on the above details, we kindly request this complaint to be closed.

• Initial Complaint

  Date:03/09/2023

  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.

  Under 15 U.S Code 1681(5 B)i)(ili). This item was deleted, and you reinserted them without notifying me 5 days after this account is in violation.(inquires) Reasons.Did not consent to unauthorized inquiry the inquiry was not authorized.(Late payments in general) Reasons Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.Under 15 USC 1681a(2)(A)i)late payments are transactions and transactions are excluded from a consumer report.Delete TRADELINE

  Business Response

  Date: 03/16/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on March 09, 2023. ******** appreciates the opportunity to address the concerns raised by ******************************* (the Customer) related to credit reporting for the Apple ******************** conducted an investigation and confirmed no error has occurred. According to the Banks records, the Customer opened an Apple Card and consented to the Apple Card Customer Agreement on December 09, 2021. As stated in the Apple Card Customer Agreement, the Bank may report information about the account to credit bureaus. The Customer has not yet made a payment to satisfy at least the minimum amount due by November 30, 2022. As a result, the Bank reported the Customers account past due to the credit reporting agencies.
  ******** 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 account has been reported accurately to the credit bureau reporting agencies. ******** is obligated to report accurately to credit reporting agencies. ******** is unable to remove the late payment reporting from the Customers credit report.
  During the application process the Customer was presented with and accepted the Apple Card Terms and Conditions. The Customer authorized the Bank to obtain their credit report by agreeing to the Credit Report Authorization which also advises the Customer that in the event the application is approved and accepted, a hard inquiry will post to the Customers credit report. In the event the Bank declines the application, or the application is approved but the Customer chooses to decline the offer and not open an account, a soft inquiry will be the result. In accordance with that authorization, the Customers application constituted a permissible purpose to obtain their credit report under the Fair Credit Reporting Act. ******** is unable to remove the inquiry or trade line from the Customers credit report.
  Based on the above details, we kindly request this complaint be closed.

• Initial Complaint

  Date:03/07/2023

  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.

  My online savings account was promptly locked on the 2nd of February. Marcus wanted an Affidavit of Identity from me which I sent back on the 21st of February. (I did not get a mail from them until two weeks later !). To this date, March 7th, my account is still locked, and they still claim that they did not receive my mail back despite it being in their own business reply mail. WORST **************** ever, and I need my account unlocked right now!

  Business Response

  Date: 03/15/2023

  BBB Response Lu ID ********

  
  Marcus by Goldman Sachs, a brand of Goldman Sachs Bank *** (the Bank), received the above-referenced complaint via the Better Business Bureau Complaint Portal on March 08, 2023. The Bank appreciates the opportunity to address the concerns raised by ******************* (the Customer) related to restriction on ************** Account (OSA).

  
  On February 1, 2023, the Customer initiated a transfer to a linked bank account via the Banks website. Subsequently, the Bank identified security concerns regarding the ownership of the Customers linked account, reversed the transfer, and restricted the Customers OSA. On February 3, 2023, the Customer contacted the Bank regarding their account access; however, the Bank could not clear the security concerns. As an alternative method of identity verification, the Bank requested an Affidavit of Identity ***** from the Customer.

  
  On March 8, 2023, the Bank received an *** that was incomplete. The following day, the Bank advised the Customer of the corrections needed to complete the ***. On March 15, 2023, the Bank mailed a new *** to the Customer and is currently waiting to receive the completed *** from the Customer.

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

  Customer Answer

  Date: 03/20/2023

   
  Complaint: 19554323
  
  I am rejecting this response because:I sent back the form last Thursday, and it was received by the bank on the 17th in the morning. I called the bank again today on the 20th in the afternoon. The account is still locked, and the representative asks me to wait for another 3-5 days for processing. I need my bank account unlocked as soon as possible, and I still need to give the bank another callback in 3-5 days to unlock the account. The account is locked for almost 2 months now.
  
  Sincerely,
  
  *******************

  Business Response

  Date: 03/28/2023

  BBB Response ** ID ********
  **********************, a brand of Goldman Sachs Bank *** (the Bank), received the above-referenced complaint via the Better Business Bureau Complaint Portal on March 21, 2023. The Bank appreciates the opportunity to address additional concerns raised by ******************* (the Customer) related to restriction on ************** Account (OSA).
  On March 22, 2023, the Bank approved the Customers affidavit of identity and removed the restrictions on the Customers OSA. On March 24, 2023, the Bank contacted the Customer to advise.
  Based on the above details, the Bank kindly request this complaint to be closed.

  Customer Answer

  Date: 03/28/2023

   
  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:03/07/2023

  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 an online money market account a while ago and have always just deposited money. This week, I had to make two transfers out of the account and Marcus locked the account, refused to unlock it and are refusing to give me the over $80K of MY money that is in their account.

  Business Response

  Date: 03/14/2023

  BBB Deposits *******
  ID ******** (Rec’d March 07, 2023).

  
  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 March 07, 2023. The Bank appreciates the opportunity to address the concerns raised by ****** ******* (the “Customer”) related to access to an Online Savings Account (“OSA”).

  
  On March 7, 2023, the Customer initiated a transfer from their OSA to a linked account; However, the Bank identified that the linked account was not under the Customer’s name and restricted the account. On March 8, 2023, the Customer contacted the Bank regarding their account access. The Bank advised that, per the Bank’s Deposit Account Agreement, linked accounts must be a personal savings or checking account in the Customer’s name. Subsequently, the Bank reversed the transfer, removed the linked account from the Customer’s account profile, and unrestricted the Customer’s OSA.

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

  Customer Answer

  Date: 03/23/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: the business did NOT remove the restriction from the account until after I filed complaints with the BBB and the Consumer Financial Protection Bureau.  Everyone needs to know that this company will restrict accounts if they think there is fraud (which is perfectly acceptable), however they will refuse to remove the restriction and block access to your own money until you file complaints with regulatory agencies.  Don't put your money here if you want to easily have access to it.
  
  
  
  Sincerely,
  
  
  
  ****** *******

  Business Response

  Date: 03/29/2023

  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 March 24, 2023. The Bank appreciates the opportunity to address additional concerns raised by ****** ******* (the “Customer”) related to accessing their Online Savings Account (“OSA”).
  If the Customer requires additional assistance, the Customer may call the Bank toll-free at ************** (###-###-####), Monday to Friday, 8 am - 10 pm, or Saturday to Sunday, 9 am - 7 pm ET.
  Based on the above details, we kindly request this complaint be closed.

• Initial Complaint

  Date:03/05/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Marcus by Goldman Sachs
  Hard hit on credit report. When i first saw to sign up for Apple credit, it stated that it would not do a hard hit on my credit report just to find out that it did.
  This was reported by Wallet Hub that I would not get a hard hit on my credit.
  *******************************************

  Business Response

  Date: 03/10/2023

  Goldman Sachs Bank USA (the “Bank”) received
  the above-referenced complaint related to Apple Card via the Better Business
  Bureau (“BBB”) Complaint Portal on March 05, 2023. The Bank appreciates the
  opportunity to address the concerns raised by ****** ******* (the “Customer”)
  related to credit reporting.
  The Bank conducted an investigation and
  confirmed no error occurred. According to the Banks records, the Consumer
  submitted the most recent application and opened an Apple Card on March 04,
  2023. During the application process the Customer was presented with and
  accepted the Apple Card Terms and Conditions. The Customer authorized the Bank
  to obtain their credit report by agreeing to the Credit Report Authorization
  which also advises the Customer that in the event the application is approved
  and accepted, a hard inquiry will post to the Customers credit report. In the
  event the Bank declines the application, or the application is approved but the
  Customer chooses to decline the offer and not open an account, a soft inquiry
  will be the result. In accordance with that authorization, the Customer’s
  application constituted a permissible purpose to obtain their credit report
  under the Fair Credit Reporting Act. The Bank is unable to remove the inquiry
  or trade line from the Customers credit report.
  Based on the above details, the Bank kindly requests
  for this complaint to be closed.

  Customer Answer

  Date: 03/13/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  
  When I first saw this bank institution listing on Experian it stated that if I apply I would not have a hard hit credit check on my report but that was not true it's a it's a false luring in of consumers and they should be fined.
  
  Sincerely,
  
  
  
  ****** *******