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Business Profile

Investment Security

The Goldman Sachs Group, Inc.

Headquarters

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Investment Security.

Complaints

This profile includes complaints for The Goldman Sachs Group, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see

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    Customer Complaints Summary

    • 1,054 total complaints in the last 3 years.
    • 417 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:07/15/2025

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      This bank is holding my money hostage. They literally will not allow me to withdraw funds that belong to me. They keep giving different excuses as to why I cannot transfer the funds. The latest is that they say my address is not a residential address. It most certainly is! I offered my deed and they didnt want that. How can they just keep $10k that doesnt belong to them? This cannot be legal.

      Business Response

      Date: 07/29/2025

      BBB Response *******
      ID ********
      ****** 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 July 16, 2025. The Bank appreciates the opportunity to address the concerns raised by ******** ******* (the "Customer) related to accessing their ************** Account (OSA).
      On July 13, 2025, the Customer contacted the Bank requesting an outgoing wire transfer from their *** to an external account. During the transfer processing review, a Bank specialist erroneously declined the transaction and restricted the account. As a result, the Customer experienced a delay in gaining access to their funds.
      After further review, on July 16, 2025, Bank restored the Customers online banking access. Later that same day, the Customer contacted the Bank to initiate another outgoing wire transfer to an external account. During the transfer processing review, the Bank identified security concerns regarding the external account and contacted the Customer to address the concerns. During the call,the Bank specialist conducted a three-way call with the Customer and external institution to verify the ownership of the external account. Following the call, the Bank successfully processed the transaction; however, the Customers external institution subsequently reversed the transfer on July 18, 2025. 
      On July 21, 2025, the Customer contacted the Bank requesting to close their account. Later that same day, the Bank successfully processed the closure request and transferred funds to an external account.
      Based on the above details, the Bank kindly requests this complaint to be closed.

      Customer Answer

      Date: 07/30/2025

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

      This bank took great effort in not allowing me access to my money  they put restrictions on my account multiple times for various made up reason  once even claiming I  couldnt have my money because my address was not a residential property, which is incorrect and also irrelevant  this went on for over 10 days, causing much distress because ai needed my funds  The receiving institution declined the wire because Goldman Sachs sent it over in the wrong name  The external account was in my husbands name only, as was communication during the 3rd party verification process and was related when the wire was set up  it was ******* Sachs fault the transfer didnt go through  even after that 3rd issue they still help my money for 2 more days  They are absolutely lying that they closed my account the day after my request  I put in at least 3 requests to close the account and they would not send my money to my already established and linked account  This bank put me through the ringer just to get my own money and they are attempting to change the story now  

       

       

       

       

      In order for the BBB to appropriately process your response, you MUST answer the question above.


      Sincerely,

      ******** *******




       

    • Initial Complaint

      Date:07/15/2025

      Type:Billing Issues
      Status:
      Resolved
      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 WAS SUPPOSED TO BE DELETED OFF OF MY CREDIT FILE WHICH WAS TOLD TO ME BY ***** ****** WHO IS IN THE EXECUTIVE TEAM ON 7-10-2025! THIS ACCOUNT WAS UPDATED AND ADDED BACK TO MY ****************** CREDIT FILE ON TODAY 7-15-2025! THE ACCOUNT WAS NOT SUPPOSED TO BE UPDATED IT WAS SUPPOSED TO BE DELETED! ***** ****** SAID THAT THE EXECUTIVE TEAM WAS NOT MAKING ME LIABLE FOR THIS ACCOUNT AND THIS ACCOUNT WAS GOING TO BE TAKEN OUT OF MY NAME ON 7-10-2025! IF THAT IS THE **** WHY IS THE ***** ACCOUNT REPORTING BACK TO MY CREDIT FILES WITH ***** CARD? I want to know why someone would call me about a fraud account and LIE ABOUT A ***** ACCOUNT BEING TAKEN OUT OF MY NAME? What type of games is this company playing and why did ***** ****** call me today lying TELLING ME THAT THE **** WOULD BE TAKEN OUT OF MY NAME ONLY FOR IT TO BE REPORTED BACK TO MY CREDIT FILES ON TODAY? THE NOTIFICATION NEED TO BE SENT TO ALL 3 CREDIT BUREAUS **** SO THIS **** CAN BE TAKEN OFF OF MY CREDIT FILE!

      Customer Answer

      Date: 07/17/2025

      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 and the matter has been resolved.

      Sincerely,

      ****** *****



       

    • Initial Complaint

      Date:07/15/2025

      Type:Billing Issues
      Status:
      Resolved
      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.
      Subject: Ongoing Unauthorized Charges from Planet Fitness Processed by Goldman Sachs (Apple Card)Dear Better Business Bureau,I am filing this complaint against Goldman Sachs, the issuer of the Apple Card, for their continued mishandling of unauthorized and fraudulent charges made by ************** on my account.Despite repeatedly notifying Goldman Sachs that I do not have an active or authorized membership with **************, they have continued to allow recurring charges ($469) to go through on my Apple Card. On multiple occasions, I have disputed these charges. While Goldman Sachs initially issues a temporary credit, they later reverse it and allow the charge to processwithout any valid documentation or signed agreement from ************** showing my consent to these charges.I have explicitly asked Goldman Sachs whether Planet Fitness provided any evidence of a contract or authorization from me, and I have yet to receive a satisfactory answer. Their continued processing of these disputed charges, in the absence of proof, is unacceptable and raises serious concerns about consumer protection and financial accountability.I have also submitted a formal complaint directly against Planet Fitness (********) regarding their deceptive and illegal billing practices, as they have transferred and continued a membership I never agreed to or authorized.I am requesting that the BBB investigate Goldman Sachs' role in this matter, ensure that they follow proper protocols for verifying disputed charges, and permanently block any further charges from ************** on my account. I also seek a full refund for any previously charged amounts that were processed despite being disputed.Thank you for your time and support in helping resolve this issue.Sincerely,******** **** ***************** ************

      Business Response

      Date: 07/29/2025

      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 July 15, 2025. The Bank appreciates the opportunity to address the concerns raised by ******** **** (the Customer) related to a transaction dispute with the *********************** in the amount of $469.98.
      The Bank conducted an investigation and confirmed an inadvertent processing error occurred. The Customer initially disputed the transaction on October 30, 2024, December 12, 2024, February 24, 2025, April 11, 2025, and May 30, 2025. The **** applied 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 credit was reversed on December 11, 2024, February 24, 2025, April 10, 2025, May 29, 2025, and July 14, 2025. The Bank sent the Customer an email detailing the dispute outcome.
      The dispute was reopened on July 15, 2025 and the Bank applied a temporary credit while the dispute was re-investigated. The dispute was ruled in the Customers favor because the merchant did not provide substantial evidence the Customer agreed to the contract. Additionally, the merchant did not provide evidence the Customers information corresponds with the membership details. As a result, the temporary credit that was applied to the Customers account was made permanent on July 24, 2025. The Bank sent the Customer an email detailing the dispute outcome. The Bank regrets the frustrations the Customer experienced.
      Based on the above details, the Bank kindly requests for this complaint to be closed.

      Customer Answer

      Date: 07/29/2025

      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 and the matter has been resolved.

      Sincerely,

      ******** ****



       

    • Initial Complaint

      Date:07/11/2025

      Type:Billing Issues
      Status:
      Answered
      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 believe this account has been assigned to me in error, as I am not liable for the debt in question.I have no contractual obligation with *********** and have never received any documentation to substantiate the validity of this debt, despite my formal requests for verification. I specifically asked to review the original application or contract related to this alleged debt. Since *********** has been unable to provide this documentation, I assert that the debt is not mine and should not be associated with my records.I kindly request the removal of this erroneous collection from my account and an acknowledgment of this resolution in writing. Thank you for your attention to this matter.

      Business Response

      Date: 07/25/2025

      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 June 12, 2025. The Bank appreciates the opportunity to address the concerns raised by ******* ****** (the Customer) related to credit reporting 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 September 01, 2019. As stated in the Apple Card Customer Agreement, the Bank may report information about the account to the ************************** which includes but is not limited to Late Payments, Missed Payments, or other defaults on the account. Additionally, the Apple Card Privacy Policy was provided at the time of account opening and the Customer may view it in the Wallet app or by accessing ****************************************************************************************.

      The Bank received documentation confirming Chapter 13 bankruptcy. The **** confirmed the account was reported accurately to the credit reporting agencies. The Bank is obligated to report accurately to ************************* and is unable to update the Customers credit report. The Bank ceased collection efforts on the account upon initial notification of Bankruptcy.

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

    • Initial Complaint

      Date:07/10/2025

      Type:Billing Issues
      Status:
      Resolved
      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 received on today at 2:29pm from someone by the name of ***** ****** who stated that he was part of the executive team on the phone: ************.He informed me via phone that the fraudulentaccount ending in #**** would be taken out of my name, I wasn't liable for this accountanymore, and your department was sending a notification to the creditbureausto have this accountdeleted off of my creditfile. I received notificationtoday from the credit bureau that this account was (BEING UPDATED FROM THE CREDITOR NOT DELETED). ***** stated that it could take up to 30 days for this account to be deletedoff of my credit file, but if that is the case (WHY IS THIS ACCOUNT BEING UPDATED TO THE CREDIT BUREAUS ON TODAY THE SAME DAY THAT HE CALLED ME)? He stated that (the other department) said that theinvestigationconcluded that this account was linked to me andwas mine. Which doesn't make any sense and he also stated that his department was going to have the account deleted off of my credit file. I asked him if he could send me an email or clearance letter stating that this account was being taken out of my name and off of my credit file! He said that he would have to look into which didn't makeany sense and at this point HE LIED! I had to ask him repetitivelyto state that this account was being taken out of my name and I was no longer LIABLE FOR THIS ACCOUNT. The calls are recorded and your department can listen to the entire call. I want to know why someone would call me about a fraud accountandLIE ABOUT A FRAUD ACCOUNT BEINGTAKEN OUT OF MY NAME. Then have the account REPORTED AND UPDATED TO CREDIT FILE THE SAME DAY HE CALLED ME? What type of games is this company playing and why did ***** ****** call me today lying then wouldn't give me ANY DIRECT ANSWERS? If his department was having this account taken out of my name then the account wouldn't have JUST UPDATED TODAY BY GOLDMAN SACHS!

      Customer Answer

      Date: 07/15/2025

      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 and the matter has been resolved.

      Sincerely,

      ****** *****



       

    • Initial Complaint

      Date:07/10/2025

      Type:Billing Issues
      Status:
      Answered
      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.
      After recently reviewing my credit report from your company, I noticed several inaccuracies that need to be addressed. The accounts in question are listed below:Company Name: APPLE CARD/GS BANK Account #:**************** Balance:$1,532.00 Under the Fair Credit Reporting Act (15 U.S.C. 1681g), I am formally requesting copies of all documents in your records that were used to verify the accuracy of these accounts. Please provide these documents in your response to this letter.I respectfully ask that you do not reply with a generic statement claiming the accounts have been verified. Instead, I expect to receive the actual records supporting this verification. If no such documentation exists, these disputed accounts should be removed from my credit report immediately, as required under Section 611(a)(5)(A)(i) of the FCRA.Including unverified or inaccurate information on my credit reportand continuing to share it with third partiesunfairly damages both my credit standing and my reputation. I ask that you take this matter seriously and resolve it as soon as possible.

      Business Response

      Date: 07/24/2025

      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 July 10, 2025. The Bank appreciates the opportunity to address the concerns raised by ********* ******** (the Customer) related to an Apple Card opened without authorization, validation of the debt owed, and credit reporting for the *************************** conducted an investigation and confirmed no Bank error occurred. Based on the Banks investigation, the Bank determined the Customer is liable for the account. According to the Banks records, the Customer opened an Apple Card and consented to the Apple Card Customer Agreement on November 08, 2019. As stated in the Apple Card Customer Agreement, the Bank may report information about the account to the ************************** which includes but is not limited to Late Payments, Missed Payments, or other defaults on the account. Additionally, the Apple Card Privacy Policy was provided at the time of account opening and the Customer may view it in the Wallet app or by accessing ****************************************************************************************. The Bank is unable to provide the Customer with a signed application as the Customer electronically consented to the Apple Card Customer Agreement by completing the application and opening the account.

      The account charged off on August 31, 2023, as a result of the Customer failing to make a payment to satisfy at least the minimum amount due by February 28, 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. The Bank is obligated to report accurately to ************************* and is unable to remove the trade line from the Customers credit report.

      The Bank is the original creditor and is not a debt collector. The Bank sent the Customer the requested documents on July 16, 2025, validating the Customer's debt including a copy of the Apple Card Customer Agreement and a copy of the full statement history showing records of transactions and payments to validate the balance and the debt owed. The Customer is responsible for the account and the balance of $1,532.90.

      In the additional documents, the Customer referenced concern related to an account with ************ Credit and *********. The Customer should contact these companies directly for further assistance.

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

    • Initial Complaint

      Date:07/10/2025

      Type:Billing Issues
      Status:
      Answered
      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.
      After recently reviewing my credit report from your company, I noticed several inaccuracies that need to be addressed. The accounts in question are listed below:Company Name: *********** Account #: ***************Balance: $1,446.00 Under the Fair Credit Reporting Act (15 U.S.C. 1681g), I am formally requesting copies of all documents in your records that were used to verify the accuracy of these accounts. Please provide these documents in your response to this letter.I respectfully ask that you do not reply with a generic statement claiming the accounts have been verified. Instead, I expect to receive the actual records supporting this verification. If no such documentation exists, these disputed accounts should be removed from my credit report immediately, as required under Section 611(a)(5)(A)(i) of the FCRA.Including unverified or inaccurate information on my credit reportand continuing to share it with third partiesunfairly damages both my credit standing and my reputation. I ask that you take this matter seriously and resolve it as soon as possible.

      Business Response

      Date: 07/24/2025

      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 July 10, 2025. The Bank appreciates the opportunity to address the concerns raised by ***** **** (the Customer) related to validation of the debt owed and Credit reporting for the *************************** conducted an investigation and confirmed no bank error occurred. The **** confirmed the account was reported accurately to the ************************** Based on the Banks investigation, the Bank determined the Customer is liable for the account. According to the Banks records, the Customer opened an Apple Card and consented to the Apple Card Customer Agreement on November 30, 2020. 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 Bank is unable to opt the customer out of credit reporting. The Customer can view the Apple Card Privacy Policy in the Wallet app or by accessing ****************************************************************************************. The Bank confirmed the account was closed and charged off as of September 30, 2023, as a result of the Customer failing to make a payment to satisfy the amount due by March 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.

      The Bank sent the Customer the requested documents on July 15, 2025, validating the Customer's debt including a copy of the Apple Card Customer Agreement and thirty five 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 $1,446.69 provided in the latest statement from September 30, 2023. The Bank is obligated to report accurately to ************************* and is unable to update the Customers credit reporting. In the complaint narrative, the Customer referenced concern related to an account with **********, ***********, ********, and ******** ***. The Customer should contact **********, ************ ********, and ******** *** directly for further assistance.

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

    • Initial Complaint

      Date:07/10/2025

      Type:Billing Issues
      Status:
      Answered
      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 may be a victim of identity theft, and *********** is reporting a fraudulent account as an open charge-off on my credit report.I have already submitted my FTC Identity Theft Report and a CFPB confirming that this account was not authorized or opened by me.This account was previously marked closed, but has now been re-reported as open, which violates my rights under the Fair Credit Reporting Act (FCRA) Section 605B.I am requesting that this account be fully removed from my credit reports and that written confirmation be provided. If not resolved, I will consider further legal action.

      Business Response

      Date: 07/24/2025

      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 July 10, 2025. The Bank appreciates the opportunity to address the concerns raised by ****** ****** (the Customer)related to an Apple Card opened without authorization.
      The Bank conducted an investigation and confirmed no Bank error occurred. Based on the Banks investigation, the Bank determined the Customer is liable for the account. The Bank is unable to provide additional information related to the investigation. According to the Banks records, the Customer opened an Apple Card and consented to the Apple Card Customer Agreement on June 1, 2023. 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 October 31, 2024, as a result of the Customer failing to make a payment to satisfy the amount due by April 30, 2024. The Bank successfully delivered Statement Available Reminders,Payment Due Reminders, Missed Payment Reminders, and Eligible for ************* Reporting reminders to the email address on file. The **** confirmed the account was reported accurately to the ************************** The Bank is obligated to report accurately to ************************* and is unable to update the Customers credit reporting. The Customer is liable for the balance on the account in the amount of $1,731.02 provided in the latest statement from October 31, 2024.
      Based on the above details, the Bank kindly requests for this complaint to be closed.

    • Initial Complaint

      Date:07/08/2025

      Type:Billing Issues
      Status:
      Answered
      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 submitting this formal complaint against Goldman Sachs ******** regarding a charge-off account (account number ending in *****************, opened on 08/16/2019, with a reported balance of $7,757.00. This account continues to appear as a charge-off on all three of my credit reportsExperian, Equifax, and TransUniondespite multiple disputes and Goldman Sachs ongoing failure to provide any original, verifiable documentation validating the accuracy of this debt.Over the past several months, I have submitted repeated requests asking for original account-level documentation, including a signed agreement, a detailed payment and charge-off history, and an explanation of how the balance was calculated. To date, I have received no such records. Under the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C. 1681i(a)(1)(A), I am entitled to a full and reasonable reinvestigation of any disputed account. That reinvestigation must be supported by verifiable and original documentationnot templated responses or incomplete summaries. Moreover, per 15 U.S.C. 1681i(a)(5), if an account cannot be verified, it must be removed from the consumers credit report without delay.This accounts continued presence has caused serious harm. I've been denied credit, faced higher interest rates, and experienced immense emotional frustration trying to resolve an entry that Goldman Sachs seems unwilling or unable to support with actual proof. It is unacceptable to punish a consumer for a balance no one is willing to verify, and Im growing increasingly concerned that this reporting error may stem from poor internal data handling or a broader systemic issue.Should this matter remain unresolved, I will escalate this complaint to the **** and FTC, and pursue all legal remedies under 15 U.S.C. 1681n for willful noncompliance with the ****. I will no longer tolerate the financial and emotional consequences of an unverifiable debt being used against me.

      Business Response

      Date: 07/22/2025

      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 July 9, 2025. The Bank appreciates the opportunity to address the concerns raised by **** ***** (the Customer) related to credit reporting and validation of the debt owed for the Apple Card.

      The Bank conducted an investigation and confirmed no error occurred. Based on the Banks investigation, the Bank determined the Customer is liable for the account. According to the Banks records, the Customer opened an Apple Card and consented to the Apple Card Customer Agreement on August 16, 2019. As stated in the Apple Card Customer Agreement, the Bank may report information about the account to the ************************** which includes but is not limited to Late Payments, Missed Payments, or other defaults on the account. The account was charged off on February 28, 2023 as a result of the Customer failing to make a payment to satisfy the amount due by August 31, 2022. The Bank successfully delivered Statements, Payment Due Reminders, Missed Payment Reminders, and Eligible for ************* Reporting reminders to the email address on file. The Bank is the original creditor and is not a debt collector. The Bank sent the Customer the documents on July 14, 2025, validating the Customer's debt including a copy of the Apple Card Customer Agreement and 43 months of statement history, showing records of transactions and payments to validate the balance and the debt owed. Additionally, the Bank previously sent requested documents on October 17, 2022, November 17, 2022, May 8, 2024, January 9, 2025, and February 17, 2025. 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. The **** confirmed the account was reported accurately to the ************************** The Bank is obligated to report accurately to ************************* and is unable to update the Customers credit reporting. The Customer is responsible for the balance on the account in the amount of $7,757.57. In the attached documents, the Customer referenced concern related to an account with JPMCB CARD, PROGRESSIVE and UPSTART/CUSTOMERS BANK. The Customer should contact the listed companies directly for further assistance. The Bank is unable to provide compensation.

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

    • Initial Complaint

      Date:07/08/2025

      Type:Billing Issues
      Status:
      Answered
      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.
      After recently reviewing my credit report from your company, I noticed several inaccuracies that need to be addressed. The accounts in question are listed below:Company Name: ***** CARD/GS BANK *** Account #: ****************Balance: $554.00 Under the Fair Credit Reporting Act (15 U.S.C. 1681g), I am formally requesting copies of all documents in your records that were used to verify the accuracy of these accounts. Please provide these documents in your response to this letter.I respectfully ask that you do not reply with a generic statement claiming the accounts have been verified. Instead, I expect to receive the actual records supporting this verification. If no such documentation exists, these disputed accounts should be removed from my credit report immediately, as required under Section 611(a)(5)(A)(i) of the FCRA.Including unverified or inaccurate information on my credit reportand continuing to share it with third partiesunfairly damages both my credit standing and my reputation. I ask that you take this matter seriously and resolve it as soon as possible.

      Business Response

      Date: 07/22/2025

      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 July 7, 2025. The Bank appreciates the opportunity to address the concerns raised by ******** ******* (the Customer) related to the validation of the debt owed for the *************************** conducted an investigation and confirmed no Bank errors occurred. According to the Banks records, the Customer opened an Apple Card and consented to the Apple Card Customer Agreement on February 25, 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 Bank successfully delivered Statements, Payment Due Reminders, Missed Payment Reminders, and Eligible for ************* Reporting reminders to the email address on file. The Bank confirmed the account was reported accurately to the ************************** The account was charged off on May 31, 2024, as a result of the Customer failing to make a payment to satisfy the amount due by November 30, 2023. The Bank is obligated to report accurately to ************************* and is unable to update the Customers credit reporting.

      The Bank confirmed the account was reported accurately to the ************************** However, during the investigation the Bank confirmed ********** was not reporting the tradeline for the Apple Card. The Bank submitted a request to ********** to reinstate the tradeline on the Customers credit report. The Customer should allow up to 30 days for the updates to reflect on their credit report.

      The Bank sent the Customer the requested documents on July 10, 2025, validating the Customer's debt including a copy of the Apple Card Customer Agreement and all 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 $554.15 provided in the latest statement from May 31, 2024.

      In the complaint narrative, the Customer referenced concern related to an account with ***********, and LVN Funding. The Customer should contact ***********, and LVN Funding directly for further assistance.

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

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