Complaints

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

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• 

  The Goldman Sachs Group, Inc.

  200 West Street New York, NY 10282-2102

• 

  Goldman Sachs Personal Financial Managerment

  1707 Langhorne Newtown Rd Ste 1 Langhorne, PA 19047-1004

• 

  Goldman Sachs & Co

  3414 Peachtree Rd NE # 600 Atlanta, GA 30326-1167

• 

  Goldman Sachs & Co

  34414 Peachtree Road North East Atlanta, GA 30326

• 

  Goldman Sachs

  555 California St. San Francisco, CA 94104

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:05/09/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  1/19/25: I purchased a ticket from Sundance Film Festival for $36.58 and I received a Daily Cash reward from Apple Card of .73 cents. I disputed and received a provisional credit on 1/31/25 of $36.58 AND they charged me back for the .73 cents (which makes sense they would). Then on 2/1/25, Sundance refunded the $36.58 and right underneath it Apple charged me a .37 cent THAT WAS NEVER REWARDED TO ME. It is not deposited into my Daily Cash or credited anywhere in my Apple Card statements. I need this transaction removed. I thought this was resolved as they had credited my account. But they just charged it back to me. Whoever is investigating this is not looking at the evidence. I will not be paying this. I have been hung up on and told by supervisors that they see the glitch as well. This is affecting my wellbeing and my health..

  Business Response

  Date: 05/23/2025

  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 May 09, 2025. ******** appreciates the opportunity to address the concerns raised by ***** **** (the Customer)related to a Daily Cash Adjustment in the amount of $0.37.
  ******** conducted an investigation and confirmed no Bank error occurred. ********s records indicate the transaction in the amount of $36.58 posted to the account on January 19, 2025 and had originally earned a Daily Cash at 2% in the amount of $0.73. The Customer disputed the transaction on January 31, 2025. ******** applied a temporary credit while the dispute was investigated. Based on the investigation and a review of the evidence provided, the Bank resolved the dispute in favor of the Customer. As a result, the temporary credit that was applied to the Customers account was made permanent on February 03, 2025. On February 02, ************************************************************************* the amount of $36.58. Based on the refund, a Daily Cash Adjustment billed back to the account at 1% in the amount of $0.37.
  When the dispute credit became permanent on February 03, 2025, a Daily Cash Adjustment billed back to the account at the original 2% earned in the amount of $0.73. As a result of the Daily Cash Adjustment already being billed back to the account after the transaction dispute resolved, the Bank applied a credit in the amount of $0.37 to the Customers account on May 15, 2025 for the Daily Cash Adjustment billed to the account after the posted merchant return credit.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:05/08/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Subject: Formal Complaint Goldman Sachs Refuses to Remove Fraudulent Apple Card Account I am filing a formal complaint against Goldman Sachs Bank (Apple Card issuer) for failing to remove a fraudulent account from my credit report, despite receiving all documentation required by federal law. The account in questionApple Card #******XXXXXXXXXXwas opened without my knowledge due to identity theft.Goldman Sachs has been provided with the following: A signed dispute letter Government-issued ************************************* report Notarized identity theft affidavit These documents meet the requirements of the Fair Credit Reporting Act (FCRA), Section 1681c-2, which mandates that data furnishers block and delete identity theft-related accounts when provided with valid proof. Despite this, the fraudulent Apple Card account remains attached to my credit profile and is still being reported to Experian.This failure has caused severe damage to my credit score, denied me access to housing, and created emotional and financial hardship. Goldman Sachs has not offered any explanation, resolution, or confirmation of removal. Their inaction violates federal law and demonstrates a disregard for consumer protections.Requested Resolution: Immediate and permanent deletion of the fraudulent Apple Card account from all credit bureaus Written confirmation that the account has been detached from my name and will not be re-reported An explanation of why the account was not removed despite full compliance with FCRA documentation standards If Goldman Sachs continues to ignore this matter, I am prepared to escalate the issue through regulatory and legal channels.If Goldman Sachs does not comply, I am prepared to escalate this matter through federal enforcement and legal channels.

  Business Response

  Date: 05/22/2025

  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 May 8, 2025. ******** appreciates the opportunity to address the concerns raised by ******* ******** (the Customer) related to an Apple Card opened without authorization and credit reporting.
  ******** conducted an investigation and confirmed no Bank error occurred. Based on the Banks investigation, the Bank determined the Customer is liable for the account. ******** 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 15, 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.
  ******** confirmed the account was reported accurately to the ************************** The account was charged off on January 31, 2025, as a result of the customer failing to make a payment to satisfy the minimum amount due by July 31, 2024. ******** successfully delivered Statement Available Reminders,Payment Due Reminders, Missed Payment Reminders, and Eligible for ************* Reporting reminders to the email address on file. ******** is obligated to report accurately to ************************* and is unable to update the Customers credit reporting.
  ******** sent the Customer the requested documents on May 19, 2025, validating the Customer's debt including a copy of the Apple Card Customer Agreement and 12 months of statement history showing records of transactions and payments to validate the balance and the debt owed. The Customer is responsible for the balance on the account in the amount of $6,867.16. ******** attempted to contact the Customer on May 22, 2025 but was unsuccessful. ******** is available 24 hours a day, 7 days a week by phone at ************** or by message from the Wallet app.
  Based on the above details, the Bank kindly requests for this complaint to be closed.
  

  Customer Answer

  Date: 06/03/2025

  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:
  Goldman Sachs ******** has failed to provide legally sufficient verification of the debt as required under federal law. I submitted an FTC Identity Theft Report, police report, and supporting documentation proving I am a victim of identity theft under 15 U.S.C. 1681c-2. They have not fulfilled their obligation to block the account nor cease reporting it to the credit bureaus as required by law.
  Additionally, the bank continues to update this fraudulent account monthly as delinquenteven after charging it off and claiming a lossdespite my written request for a 1099-C and full investigation documentation, which they never provided. This violates 15 U.S.C. 1681s-2 (duties of furnishers) and 1681e(b) (accuracy of reporting).
  Their investigation is not transparent and fails to address the identity theft evidence provided. Without proper debt validation, without honoring my rights under federal law, and without removing the fraudulent account, this issue is far from resolved.
  
  Sincerely,
  ******* ********
  

  Customer Answer

  Date: 06/26/2025

  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:  

  I reject Goldman Sachs' response and remain fully dissatisfied with their position.
  The Apple Card account in question was opened without my knowledge or consent as a result of identity theft, which I have fully documented. Goldman Sachs has received all required documentation under FCRA 1681c-2, including:
  A signed dispute letter
  A copy of my government-issued ID
  A police report
  An FTC Identity Theft Report
  A notarized identity theft affidavit
  These materials meet the legal standard for a data furnisher to block and delete fraudulent information from consumer credit files. Despite this, Goldman Sachs continues to report this account to Experian and insists I am liable without providing any forensic evidence proving I opened or used the account.
  Their refusal to delete the account is a violation of the Fair Credit Reporting Act, specifically 1681c-2(a) and 1681s-2(a)(6), which prohibit furnishers from reporting known identity theft information after being provided with appropriate documentation. Their claim of no bank error is legally irrelevant when identity theft has been established by law enforcement and federal identity theft agencies.
  If this matter is not resolved, I will be pursuing legal and regulatory action, including a formal complaint to the ****, and am prepared to initiate federal litigation for damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. 

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

  Business Response

  Date: 07/03/2025

  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 26, 2025. ******** appreciates the opportunity to address the concerns raised by ******* ******** (the Customer) related to an account opened without authorization.
  ******** conducted an investigation and confirmed no Bank error occurred. Based on the Banks investigation, the Bank determined the Customer is liable for the account. ******** 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 15, 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 account was charged off on January 31, 2025, as a result of the customer failing to make a payment to satisfy the minimum amount due by July 31, 2024. ******** 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 ************************** however during the investigation, the Bank confirmed Transunion and ******* were not reporting the tradeline. ******** submitted a request to ********** and Equifax to reinstate the tradeline. The Customer should allow 30 days for the updates to reflect on their credit report.
  ******** sent the Customer documents on May 19, 2025, validating the Customer's debt including a copy of the Apple Card Customer Agreement and 12 months of statement history showing records of transactions and payments to validate the balance and the debt owed. The Customer is responsible for the balance on the account in the amount of $6,867.16.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:05/08/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Either the information I provided to ***** customer service was not sent to ********************** Bank or it wasn't handled properly.I have a dispute charge with Courtyard Marriott Miami which is an unauthorized charge. I was physically in ****** and actively using this card to spend in ******, and there's no way I book a hotel when I'm not in the ***The credit card company didn't handle the dispute properly and only says "we determined it's authorized" without explaining anything else.

  Business Response

  Date: 05/22/2025

  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 May 9, 2025. The Bank appreciates the opportunity to address the concerns raised by ******* ** (the Customer) related to a transaction dispute with the merchant Courtyard by ******** in the amount of $360.69.
  
  The Customer initially disputed the transaction on March 22, 2025, and May 8, 2025. The Bank applied a temporary credit while the dispute was investigated. Based on the investigation and a review of the evidence provided, the Bank resolved the dispute in favor of the merchant because the Customer did not show up or cancel reservation as a result, the Customer was charged as a no show. Additionally, the Bank was unable to locate any suspicious, fraudulent, or unauthorized account takeover activity. As a result, the temporary credit that was applied to the Customers account was reversed on May 8, 2025, and May 20, 2025. The Bank sent the Customer an email detailing the dispute outcome. The Customer contacted the Bank on May 20, 2025 requesting to withdraw the dispute as the merchant agreed to refund the transaction.
  
  Based on the above details, the Bank kindly requests for this complaint to be closed.

  Business Response

  Date: 06/05/2025

  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 May 23, 2025. ******** appreciates the opportunity to address the concerns raised by ******* ** (the Customer) related to a transaction dispute with the merchant Courtyard by ******** in the amount of $360.69.
  
  ******** conducted an investigation and confirmed no Bank error occurred. The Customer initially disputed the transaction on March 25, 2025. ******** applied a temporary credit while the dispute was investigated. Based on the investigation and a review of the evidence provided, the Bank resolved the dispute in favor of the merchant because the merchant provided evidence showing the transaction was authorized. As a result, the temporary credit that was applied to the Customers account was reversed on May 08, 2025. The Bank sent the Customer an email detailing the dispute outcome.
  
  The Customer reopened the dispute on May 08, 2025, and the Bank applied a temporary credit while the dispute was re-investigated. According to the Banks records, the Customer contacted the Bank through a chat interaction on May 20, 2025, and requested to withdraw the reopened transaction dispute. The Customer advised the Bank the merchant was contacted and agreed to issue a return credit. As a result, the temporary credit that was applied to the Customers account was reversed on May 20, 2025. ******** sent the Customer an email detailing the dispute outcome for each dispute.
  
  ******** successfully contacted the Customer on June 04, 2025, to address the concerns. The Customer had confirmed the request to withdraw the dispute and did not want to continue with a new investigation.
  
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:05/07/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was scammed by ********** Group out of $10,000 for services that they never provided. I was also given a money back guarantee by ********** Group in email after which time they hid terms and conditions stating otherwise. I was given a second money back guarantee in email after the terms and conditions review and signature and then ********** used those terms to refuse a refund and the Goldman Sachs Apple card dispute resolution team sided with the merchant in spite of overwhelming evidence that the services were not provided and the merchant did not honor their guarantee of the refund.

  Business Response

  Date: 05/21/2025

  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 May 7, 2025. The Bank appreciates the opportunity to address the concerns raised by ***** ******** (the Customer) related to 3 transaction disputes with the merchant ** *********** Group totaling the amount of $10,000.
  
  ******** conducted an investigation and confirmed no Bank errors occurred. The Customer initially disputed the 3 transactions on November 4, 2024, January 28, 2025, and March 5, 2025. 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 because per the merchants refund policy, there are no refunds or payment cancelation options available. The Customer did not provide sufficient evidence to substantiate their claim that the merchant agreed to provide refunds. As a result, the temporary credits that were applied to the Customers account were reversed on January 28, 2025, March 4, 2025, and April 25, 2025. ******** sent the Customer an email detailing the dispute outcome.
  
  The 3 disputes were reopened on April 25, 2025, and the Bank applied temporary credits while the disputes were re-investigated. The dispute was ruled in the Customers favor because the Customer provided new evidence to show the merchant agreed to a full refund if not satisfied with the services. As a result, the temporary credit that was applied to the Customers account was made permanent on May 21, 2025. ******** sent the Customer an email detailing the dispute outcome.
  
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:05/06/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to dispute the reinsertion of several fraudulent credit card accounts on my credit report. My name is ***** ********** **********, and I am a victim of identity theft. These credit card accounts were fraudulent opened without my knowledge or authorization and were previously removed from my credit files following earlier disputes I filed under the Fair Credit Reporting Act (FCRA). In accordance with **** procedures, those accounts were deleted from my report after the credit bureaus determined they were not verified as legitimate debts attributable to me . I have documentation of your prior deletion of these accounts due to their fraudulent nature.

  Business Response

  Date: 05/21/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to an Apple and ** Card via the Better Business Bureau (BBB) Complaint Portal on May 7, 2025. ******** appreciates the opportunity to address the concerns raised by ***** ********** (the Customer) related to an Apple and ** Card opened without authorization.
  ******** conducted an investigation and confirmed no Bank error occurred. Based on the Banks investigation, the Bank determined the Customer is liable for the 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 7, 2022. ******** 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 March 29, 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 March 31, 2023, as a result of the customer failing to make a payment to satisfy the minimum amount due by September 30, 2022. ******** 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 ************************** ******** is obligated to report accurately to ************************* and is unable to update the Customers credit reporting.
  ******** sent the Customer the requested documents on May 14, 2025, validating the Customer's debt including a copy of the Apple Card Customer Agreement and 25 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 Apple Card account in the amount of $19,532.97.
  ******** confirmed the ** accounts were booked on May 18, 2022 and June 3, 2022. The accounts are currently under review. ******** requires additional time to complete the investigation. ******** will send the Consumer a communication with the outcome once the review is completed. The Consumer should contact the Bank directly with any questions at **************. Bank representatives are available 24 hours a day, 7 days a week.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:05/06/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to dispute the reinsertion of several fraudulent credit card accounts on my credit report.

  Business Response

  Date: 05/20/2025

  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 (May 6, 2025). ******** appreciates the opportunity to address the concerns raised by ***** ********** (the Customer) related to an Apple Card opened without authorization.
  
  ******** 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 April 2, 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 March 31, 2023, as a result of the customer failing to make a payment to satisfy the minimum amount due by September 30, 2022. ******** 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 ************************** ******** is obligated to report accurately to ************************* and is unable to update the Customers credit reporting.
  
  ******** sent the Customer the requested documents on May 19, 2025, validating the Customer's debt including a copy of the Apple Card Customer Agreement and 12 months of statement history showing records of transactions and payments to validate the balance and the debt owed. The Customer is responsible for the balance on the account in the amount of $13,081.65.
  
  As it related to the ** accounts, the Bank confirmed the accounts were booked on May 18, 2022, and May 30, 2022. The accounts are currently under review. ******** requires additional time to complete the investigation. ******** will send the Customer a communication with the outcome once the review is completed. The Customer should contact the Bank directly with any questions at **************. Bank representatives are available 24 hours a day, 7 days a week.
  
  In the complaint narrative, the Customer referenced concern related to an account with **************** Card. The Customer should contact **************** Card directly for further assistance.
  
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:05/06/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  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: $2,246.00 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: 05/20/2025

  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 May 6, 2025. ******** 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 November 7, 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 account was charged off on July 31, 2022, as a result of the Customer failing to make a payment to satisfy the amount due by January 31, 2022. ******** successfully delivered Statement Available Reminders, Payment Due Reminders, Missed Payment Reminders, and Eligible for ************* Reporting reminders to the email address provided by the Customer. The **** confirmed the account was reported accurately to the ************************** ******** is obligated to report accurately to ************************* and is unable to update the Customers credit reporting.
  ******** sent the Customer the requested documents on April 7, 2025, validating the Customer's debt including a copy of the Apple Card Customer Agreement and 21 months of statement history showing records of transactions and payments to validate the balance and the debt owed. ******** attempted to contact the Customer on May 12, 2025 and May 14, 2025 but was unsuccessful.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:05/06/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Im a victim of identity theft and there is a fraudulent account that is reporting on my credit file with APPLE CARD-************ account# ****, balance $10.00. I did not open or authorize this account, and I therefore request that it be closed immediately. I have neither engaged in business transactions with this company nor entered into any agreements. Hence, it is unjustified for this company to report a fraudulent account that I have no knowledge of. This situation infringes upon my rights as a consumer, as outlined by the **** and *****. Also enclosed is a copy of the ***** Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies (****). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any ***. The Notice also specifies your responsibilities when you receive notice from a ***, under section 605B of the Fair Credit Reporting Act, that information you provided to the *** may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any **** and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Enclosed is a copy of my Identity Theft Report supporting my position and cfpb notice to furnishers. Also, pursuant to the Fair Debt Collection Practices Act, Section 809(b), Validating Debts: I have the right to request validation of the debt that this company say I owe at this current time. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. Im attaching a VALIDATION OF DEBT LETTER to this complaint as well.

  Business Response

  Date: 05/20/2025

  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 May 06, 2025. ******** appreciates the opportunity to address the concerns raised by ****** ***** (the Customer) related to an Apple Card opened without authorization and credit reporting for the **************************** conducted an investigation and confirmed no error occurred. According to the Banks records, the Customer opened an Apple Card and consented to the Apple Card Customer Agreement on November 24, 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. ******** 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 **** confirmed the account was reported accurately to the ************************** ******** is the original creditor and is not a debt collector. ******** is obligated to report accurately to ************************* and is unable to update the Customers credit reporting. The **** confirmed the account was reported accurately to the ************************** The Customer did not make a payment to satisfy at least the minimum amount due by December 31, 2024. As a result, the Bank reported the account past due to the ************************** ******** successfully delivered Statement Available Reminders, Payment Due Reminders, Missed Payment Reminders,and Eligible for ************* Reporting reminders to the email address on file.
  
  ******** sent the Customer the requested documents on May 14, 2025, validating the Customer's debt including a copy of the Apple Card Customer Agreement and 6 months of statement history showing records of transactions and payments to validate the balance and the debt owed. The Customer is liable for the balance on the account in the amount of $10.65. ******** attempted to contact the Customer on May 19, 2025, but was unsuccessful.
  
  Based on the above details, the Bank kindly requests for this complaint to be closed.

  Customer Answer

  Date: 05/20/2025

  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:

  [Your Answer Here]

   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: 

    

  On April 06, 2025 I called Apple Goldman Sachs and spoke with a gentleman who
  stated he worked in the fraud department. He stated that their department had received
  the identity theft claim and investigated the fraud claim He stated that the account was
  closed as fraud and taken out of my name. He verified the address on the account
  which was (*********************************************************) which is a fradulent address. He said the application was applied through a mobile app
  with a phone number that is located in ******* that is a fraudulent phone number. He also verified
  an email address: ************************** that is not my email addressl. The
  (address, phone number, and email address are fraudulent and they DO NOT belong to
  me). He also verified that they DO NOT have a signature on file for the application that
  was used for this fraudulent account. I was informed that this account was processed in their system under fraudulent information and THEY DO NOT HAVE A SIGNATURE ON FILE for this account opening. I called the fraud **** again on 5-17-2025 and was informed that the bank sent the validation letter to the fraudulent address that is on file with this account at (*********************************************************). This bank didn't call me on 5-19-2025 and are trying to contact me from the FRAUDULENT INFORMATION that is on this fraud account.  Apple card goldman sachs are violating my rights per the fair credit reporting act. They received a validate ftc identity theft report and a valid police report that they have disregarded which is against federal law. As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any ***. The Notice also specifies your responsibilities when you receive notice from a ***, under section 605B of the Fair Credit Reporting Act, that information you provided to the *** may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any ***s and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

   

   

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

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

  Business Response

  Date: 06/02/2025

  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 May 23, 2025. ******** appreciates the opportunity to address the concerns raised by ****** ***** (the Customer)related to an Apple Card opened without authorization.
  
  ******** conducted an investigation and confirmed no Bank errors occurred. ******** 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 24, 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.
  
  
  ******** identified red flags related to the account and closed the account in accordance with the Apple Card Customer Agreement. ******** sent the Customer an email detailing the reason the account was closed on August 8, 2024. ******** is unable to provide additional information related to the investigation.
  
  ******** confirmed the account was reported accurately to the ************************** The Customer did not make a payment to satisfy at least the minimum amount due by December 31, 2024. The bank successfully delivered Statement Available Reminders, Payment Due Reminders, Missed Payment Reminders, and Eligible for Bureau Reporting reminders to the email address on file for the customer. As a result, the Bank reported the account past due to the ************************** ******** is obligated to report accurately to ************************* and is unable to remove the trade line from the Customers credit report.
  
  ******** sent the Customer the requested documents on May 14, 2025, validating the Customer's debt including a copy of the Apple Card Customer Agreement and 6 months of statement history showing records of transactions and payments to validate the balance and the debt owed. The Customer is liable for the balance on the account in the amount of $10.65 provided in the latest statement from April 30, 2025. ******** is obligated to report accurately to ************************* 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 Apple Card Customer Agreement by completing the application and opening the account. ******** is unable to provide the Customer with compensation. ******** conducted a review of interactions and was unable to locate any record of mistreatment or misinformation provided by a Bank representative. ******** attempted to the Contact the Customer on May 12, 2025 and May 29, 2025, but was unsuccessful. ******** is available 24 hours a day, 7 days a week by phone at ************** or by message from the Wallet app. For further assistance the Bank recommends the Customer contact the Bank directly.
  
  Based on the above details, the Bank kindly requests for this complaint to be closed.
  

  Customer Answer

  Date: 06/13/2025

  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:

  [Your Answer Here] Goldman sachs keep sending the SAME repetitive messages and are sending the information to the fraudulent address on this account!

   

   

   

   

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

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

• Initial Complaint

  Date:05/05/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  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: 05/19/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint via the Better Business Bureau (BBB) Complaint Portal on May 05, 2025. ******** appreciates the opportunity to address the concerns raised by ***** **** (the Customer) related to validating the debt owed and credit reporting for the **************************** conducted an investigation and confirmed no error occurred. Based on the Bank's investigation, 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. ******** 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. 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.
  
  ******** confirmed the account was reported accurately to the ************************** The account was charged off and closed on September 30, 2023, as a result of the Customer failing to make a payment to satisfy the minimum amount due by April 30, 2023. ******** successfully delivered Statement Available Reminders, Payment Due Reminders, Missed Payment Reminders, and Eligible for ************* Reporting reminders to the email address on file. ******** is obligated to report accurately to ************************* and is unable to remove the trade line from the Customers credit report. ******** is the original creditor and is not a debt collector.
  
  ******** sent the Customer the requested documents on May 08, 2025, validating the Customer's debt including a copy of the Apple Card Customer Agreement and 35 months of 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 in the amount of $1,446.69, provided in the most recent statement from September 30, 2023.
  
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:05/02/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This is my formal request to address and resolve the unauthorized accounts that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this ********* BANK USA ACCOUNT no.: ************ DATE OPEN: 04/14/2021 BALANCE: $1,296.00

  Business Response

  Date: 05/16/2025

  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 May 03, 2025. ******** appreciates the opportunity to address the concerns raised by ***** ****** (the Customer)related to an Apple Card opened without authorization and credit reporting.
  
  ******** conducted an investigation and confirmed no Bank error occurred. Based on the Bank's investigation, the Bank determined the Customer is liable for the account. According to the Banks records, the Customer opened an Apple Card and consented to the Apple Card Customer Agreement on April 14, 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. 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 account charged off on December 31, 2021, as a result of the Customer failing to make a payment to satisfy at least the minimum amount due by July 31, 2021. ******** successfully delivered Statement Available Reminders,Payment Due Reminders, Missed Payment Reminders, and Eligible for ************* Reporting reminders to the email address on file. ******** is obligated to report accurately to ************************* and is unable to update the Customers credit reporting. ******** confirmed the account was reported accurately to the ************************* and unable to update or unable to remove the inquiry or trade line from the Customers credit report.
  
  ******** sent the Customer documents on May 09, 2025, validating the Customer's debt including a copy of the Apple Card Customer Agreement and ten months of 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 $1,296.48, provided in the most recent statement of August 31, 2022.
  
  Based on the above details, the Bank kindly requests for this complaint to be closed.