Business Profile

Investment Security

The Goldman Sachs Group, Inc.

Headquarters

This business is NOT BBB Accredited.

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Complaints

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

Customer Complaints Summary

1,113 total complaints in the last 3 years.
440 complaints closed in the last 12 months.

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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.

Initial Complaint
Date:05/01/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Issue Summary:- Purchase Date: September 1, 2024 - Merchant: ****** Item: Apple Watch - Amount: $349.79 - Issue: The watch arrived significantly damaged and not as described - Current Status: Three separate disputes denied despite provided evidence
Business Response
Date: 05/15/2025
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 1, 2025. The Bank appreciates the opportunity to address the concerns raised by ***** ****** (the Customer) related to a transaction dispute with the merchant **** in the amount of $349.79.

******** conducted an investigation and confirmed no Bank error occurred. The customer disputed the transaction on September 23, 2024, November 20, 2024, January 27, 2025, March 24, 2025, and May 1, 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 goods were not returned. The Customer has not provided evidence requesting instructions for returning the item purchased. As a result, the temporary credit previously applied the Customers account was reversed on November 19, 2024, January 22, 2025, March 22, 2025, April 25, 2025, and May 14, 2025. ******** sent the Customer emails detailing the dispute outcome. ******** sent the Customer a copy of the merchant evidence on May 7, 2025.

Based on the above details, the Bank kindly requests for this complaint to be closed.
Customer Answer
Date: 05/19/2025
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:

The merchant closed my account, so I wasnt able to return the broken watch.

Please stop emailing me delivery confirmations the fact that the watch was delivered is not in question.

The issue is that after I opened a dispute, **** closed my account, which prevented me from starting the return process.

Now Im stuck with a broken watch and no way to resolve it through ****.

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

Sincerely,

***** ******

Customer Answer
Date: 05/19/2025
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:

The merchant closed my account, so I wasnt able to return the broken watch.

Please stop emailing me delivery confirmations the fact that the watch was delivered is not in question.

The issue is that after I opened a dispute, **** closed my account, which prevented me from starting the return process.

Now Im stuck with a broken watch and no way to resolve it through ****.

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

Sincerely,

***** ******
Initial Complaint
Date:05/01/2025
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 submitting this formal complaint against *********** for reporting an inaccurate and unverifiable charge-off account to both ********** and ******* under account number ****************, with a listed balance of $3,009.00. This reporting is not only damaging to my credit profile but appears to be in direct violation of federal consumer protection laws. Under 15 U.S. Code 1681s-2, *********** is legally required to report only information that is accurate and verifiable. Furthermore, ********** and Equifax are required under 15 U.S. Code 1681e(b) to ensure that all data they maintain on consumers is held to the standard of maximum possible accuracy. Despite my prior attempts to resolve this matter through formal disputes, *********** has failed to provide any legally sufficient documentation validating the alleged debt, and their responses have been vague, generic, and insufficient to meet the verification obligations set forth under 15 U.S. Code 1681i. The account continues to reflect as a charge-off with a specific balance, yet no contract, account history, or supporting detail has ever been presented to justify its inclusion on my report. Given the widespread and ongoing data breaches affecting financial institutions across the country, it is highly likely that this account was erroneously associated with my credit file due to compromised personal information beyond my control. ******* USAs failure to validate the account while continuing to report it as delinquent is not only irresponsible but also a violation of my rights under federal law. Their inaction and lack of resolution are unacceptable. I am requesting the immediate removal and correction of this inaccurate account from both ********** and *******. *********** has not made a meaningful effort to resolve this issue, and their refusal to comply with the law is causing ongoing and unjust harm to my financial standing.
Business Response
Date: 05/15/2025
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 1, 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. Based on the Bank's investigation, the Bank determined the Customer is liable for the account. ******** is unable to provide any additional information related to the investigation. The Customer opened the Apple Card and consented to the Customer Agreement on April 20, 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 August 31, 2022, as a result of the Customer failing to make a payment to satisfy the minimum amount due by February *******. The **** confirmed the account was reported accurately to the ************************** ******** 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 ************************** ******** is unable to remove the inquiry or trade line from the Customers credit report.

******** sent the Customer documents on May 8, *****, validating the Customer's debt including a copy of the Apple Card Customer Agreement and full 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 $3,009.04.

Based on the above details, the Bank kindly requests for this complaint to be closed.
Initial Complaint
Date:04/30/2025
Type:Delivery 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 in regards to a charge dispute. This is extremely straightforward. I ordered a specific model of Thermador. I was shipped a completely different unit (that doesnt even function). I returned the unit. The unit was received by the seller on March 19 and signed for by ****. Tracking number: ********. Tracking link: **************************************************** (Forward Air - freight shipping company). I provided all of the details, most recently on April 9. I spoke with a supervisor who told me this would be expedited for review. I just called today on April 30 and was told by a supervisor ***** that there is no way to escalate the review. This is for DiscountPros for approximately $5400.
Business Response
Date: 05/15/2025
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 1, 2025. The Bank appreciates the opportunity to address the concerns raised by ***** **** (the Customer) related to a transaction dispute with the merchant ****** *discountpro in the amount of $5,391.00.
******** conducted an investigation and confirmed no Bank error occurred. The Customer initially disputed the transaction on March 9, 2025 and the Bank provided a temporary credit while the dispute was investigated. When a transaction is disputed, the Bank expects completion within 2 full billing-cycles from the date of receipt and no later than 90 days from date of receipt. During the investigation, the account does not incur interest for the amount in dispute and the Customer is not responsible for repayment. Based on the investigation and 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 account was made permanent on May 15, 2025. An email was sent to the Customer with the outcome of the dispute.
Based on the above details, the Bank kindly requests for this complaint to be closed.
Customer Answer
Date: 05/16/2025
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 have not received any communication from GS at ANY POINT and request a written email confirming above

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

Sincerely,

***** ****

Business Response
Date: 05/23/2025
Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on May *******. The Bank appreciates the opportunity to address the concerns raised by ***** **** (the Customer) related to a transaction dispute with the merchant ****** *discountpro in the amount of $5,391.00.
As stated in the Banks previous response, the Bank conducted an investigation and confirmed no Bank error occurred. The Customer initially disputed the transaction on March 9, 2025, and the Bank provided a temporary credit while the dispute was investigated. When a transaction is disputed, the Bank expects completion within 2 billing-cycles from the date of receipt and no later than 90 days from date of receipt. During the investigation, the account does not incur interest for the amount in dispute and the Customer is not responsible for repayment.
Based on the investigation and 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 account was made permanent on May 15, 2025. An email was sent to the Customer with the outcome of the dispute. The Bank confirmed that an email was sent to the email address on file. On May 22, 2025,the Bank resent the dispute decision email to the Customer, and mailed the dispute decision document to the Customers address on file.
Based on the above details, the Bank kindly requests for this complaint to be closed.
Initial Complaint
Date:04/28/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I submitted a dispute for a charge on my credit card and it was categorized incorrectly in the dispute process. I specifically told the representative the item was not as described. She opened the dispute wrong so the dispute was not accepted by the merchant. I would like for Goldman Sachs to make it right and refund me.
Business Response
Date: 05/13/2025
Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on April *******. ******** appreciates the opportunity to address the concerns raised by ***** **** (the Customer) related to a transaction dispute with the merchant Pic A Part in the amount of $63.78.

******** conducted an investigation and confirmed no Bank error occurred. The Customer initially disputed the transaction on December 16, 2024, and February 13, 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 merchandise was not returned within the timeframe described by the merchant's terms and ************* a result, the temporary credit that was applied to the Customers account was reversed on February 13, 2025, and April 9, 2025. ******** sent the Customer an email detailing the dispute outcome. ******** contacted the Customer on May 12, 2025, to address the concerns.

Based on the above details, the Bank kindly requests for this complaint to be closed.
Initial Complaint
Date:04/26/2025
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 trying to resolve the matter in regards to this debt APPLE CARD ********. Please provide on company letterhead the following: 1. Date of first delinquency. 2. Date of last payment and the payment amount.
Business Response
Date: 05/12/2025

Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on April 28, 2025. ******** appreciates the opportunity to address the concerns raised by Di Ser ***** (the Customer) related to 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 October 18, 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 and closed on October 31, 2022, as a result of the Customer failing to make a payment to satisfy the minimum amount due by April 30, 2022.

******** confirmed the account was reported accurately to the **************************** ******** 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.

******** attempted to contact the Customer on May 7, 2025, but was unsuccessful. ******** sent the Customer the requested documents on May 9, 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 $4,574.89 provided in the latest statement from October 31, 2022.

******** 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.
Initial Complaint
Date:04/25/2025
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.
Dear BBB,I am contacting you to share my experience with Goldman Sachs and the Apple card that I was approved for. I was approved for the ***** card about a month ago, using it, paying it on time and no issues until today 4/25/25 I get a notification that the account was closed due to regulatory reasons. Well when asked what the regulatory reason was they could not give me an answer and I believe it was for charges that Goldman brought against my name that was used fraudulently and has since been dismissed by the courts because after investigation it was determined to be opened by someone else using my name. I had to hire an attorney, to get my name cleared and if that is why they closed the account, then they are in the wrong because after the dismissal on 1/15/25 my name should not be associated with Goldman at all and me being a new customer. I firmly believe this is why they closed the account but again if all allegations were dropped because someone used my information then it has nothing to do with me. I am requesting that they reopen and reestablish the credit line and my Apple card. I am also requesting that they remove any association with my name from what took place in 2017 because it was not me. There would be no other reason for them to have closed my account since it was in good standing never late and paid on time after a month.
Business Response
Date: 05/09/2025
Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on April *******. The Bank appreciates the opportunity to address the concerns raised by ****** ****** (the Customer) related to an Apple Card account closure.

The Bank 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 March 1, 2025. 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 obligated to report accurately to the ************************* and is unable to remove the inquiry or trade line from the Customers credit report.
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 April 25, 2025. The Bank is unable to provide additional information related to the investigation. The Customer is responsible for the account and the balance of $424.98.The Bank is unable to reinstate the account.
Based on the above details, the Bank kindly requests for this complaint to be closed.
Customer Answer
Date: 05/12/2025
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 am contacting you to report what Goldman Sachs did to me and it is in fact unjust. I applied for the Apple card and was approved and given a $5000 credit line. It was recommended by Experian based on my credit scores. It was clear that it was going to be a no ding application but if I decided to accept the approval then it would become a hard inquiry. I accepted the Apple card offer and the card was attached to my wallet as my primary card for immediate use. I later got notifications that the card is now on all three of my credit bureaus as a new line of credit.

After normal usage of the card after about a month 4/25/2025 I see a notification that the card has been closed. Unfortunately, I am unable to attach any transaction history since the account is closed. All of my transactions were normal transactions a purchase from vending, a purchase from ***** nothing out of the ordinary, that presented anything to be alarmed about. I contacted Goldman and the agent stated regulatory reasons, and that I would get a letter in the mail. I never received a letter stating what exactly the regulatory reason is to date. I did receive in the mail that only stated my account was closed and the balance remaining. I immediately contacted the **** and explained the unjust closure and Goldman replied now with the account was closed because of 'red flags" so they are all over the place with reasons. I am now at a point where I replied back with what are these "red flags" that gave them a reason to close the account and they have yet been able to tell me. Again, I ask what are the "red flags"?
1. I applied using my social security number
2. I was approved based on my credit
3 I used the card and pay any balance due

WHAT ARE THE RED FLAGS?

I applied for the card using my social security number, I was approved, and it is now listed on my credit and I used the card like I would any other card. They are being unethical with their business practice with me as a consumer. Lastly, when they replied they addressed something that I didn't even ask about nor did I receive the call that Goldman told me I would receive. Goldman is not being ethical what I hate is they are trying to manhandle the situation. So I ask again what are the red flags? and also you didn't even address what I mentioned in the letter you copied and pasted what you sent to CFPB. If they don't resolve the issue my next steps would be ti hire a consumer attorney to fix the issue if they don't prove otherwise.

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

Sincerely,

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

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 13, 2025. ******** appreciates the opportunity to address the concerns raised by ****** ****** (the Customer) related to an Apple Card account closure.

As provided in the Banks previous response, the Bank 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 March 1, 2025. 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. 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 April 25, 2025. ******** is unable to provide additional information related to the investigation. ******** sent the Customer the requested documents on May 19, 2025, validating the reason the account was closed. The Customer is responsible for the account and the balance of $424.98. ******** is unable to reinstate the account.

******** does not have further information to provide and considers this matter closed.
Business Response
Date: 06/11/2025

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 02, 2025. ******** appreciates the opportunity to address the concerns raised by ****** ****** (the Customer) related to an Apple Card account closure.

******** conducted an investigation and confirmed no Bank error occurred. According to the Banks records, the Customer opened an Apple Card and consented to the Apple Card Customer Agreement on March 1, 2025. Per the terms and conditions outlined in the Customer Agreement, the Bank reserves the right to close your Apple Card account at any time, with or without notice. 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 April 25, 2025. ******** is unable to provide additional information related to the investigation. ******** attempted to contact the Customer on May 27, 2025, but was unsuccessful. The Customer is responsible for the account and the balance of $831.38 provided in the latest statement from May 31, 2025. ******** is unable to reinstate the account.

******** does not have further information to provide and considers this matter closed.
Customer Answer
Date: 06/12/2025
Better Business Bureau:

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

[Your Answer Here]

They are copying and pasting the same letter to both you and the ***** Goldman has not come close nor looks as if they are able to provide any information. Each reply is that I applied for the card, and yea I did and the question is why did you close the account? I have not received any letter stating why by email not postal! If you have the letter, simply attach it to this cor***pondence. You have failed to do this to date! Also when I call and the ***** account is viewed I was told there are no red flags seen and all of my transactions are what is normal and there are no things that raises any concern with the ***** account. I finally got a call and it was all of 3 minutes that you are working on my case, I never got a chance to explain anything. This is my first time applying for anything with Goldman and my name was used in 2017 that you tried to sue me for and I sent documents from the court that proved my identity and information was stolen and the case was dismissed due to the error. Goldman is tying my name to something that wasnt mine and now this is where we are. I applied for the card, was approved for the card, and used the card and attached my banking information to make payments. Not sure why they are being unethical and shady with doing the right thing and fixing the issue. You put a hard inquiry in my credit and closed it the following month. Do the right thing Goldman! I even offered to send my ID social security card whatever they needed. Again
I got nothing that tells me why the account is closed, so please stop saying I got the reason why because I did NOT and again attach the communication here so that I can see. I have not into any of the categories to suggest closing the account
per my contract , so what are the *** flags??

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

Sincerely,

****** ******
Initial Complaint
Date:04/25/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On or about April 16th 2025, Goldman Sachs Bank "froze" both my ************* account and my Apple Credit card. I have contacted Goldman Sachs Bank daily and was only told there was a "security" issue that needed 5 to 7 business days to "clear". On April 22nd my ************* account was "unfrozen", but there was a "bug" that has prevented my Apple Credit card from being "unfrozen" as of April 25th. I would like my Apple Credit Card to be "unfrozen" and an Apple apology/explanation letter sent to all of my vendors where my Apple Credit Card payments did not go through, as well as, letters to the credit reporting agencies indicating that late payments were entirely due to a "bug" at Goldman Sachs Bank. ***: I intend to close my accounts with ********************** Bank.
Business Response
Date: 05/09/2025

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 April 25, 2025. ******** appreciates the opportunity to address the concerns raised by ***** **** (the Customer) related to a restriction on the Apple Card and ************* account.
******** conducted an investigation and confirmed a technology error occurred. According to the Banks records, due to security concerns, the Bank placed a restriction on the Customers Apple Card and ************* account on April 16, 2025 until additional information was verified. ******** verified the needed information, however as a result of the technology error that occurred, the restriction was unable to be removed. ******** confirmed the technology error was resolved and the restrictions were removed from the Customers Apple Card and ************* account as of April 26, 2025. The accounts are active and available for use.
******** is unable to fulfill the Customers request to send merchant letters. Additionally, the **** confirmed no late payment reporting occurred during the time period that the account was restricted. The Customer may wish to contact the ************************* directly to validate and potentially dispute invalid information within the credit report. If the Customer wishes to close the Apple Card or ************* account, the Bank 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: 05/13/2025
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is unsatisfactory to me and, as a result, I have transferred my savings account to another financial institution.

Sincerely,

***** ****
Initial Complaint
Date:04/24/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have been given the runaround from Apple Card support since 2023 regarding flights that were diverted then cancelled and ***** is trying to force me to pay for the charges when I never received the services. ***** card support failed to handle my dispute by reviewing and submitting my evidence always claiming they never receive the emails on ***** chat but own up to receiving the emails but not reviewing them when the supervisors call me over the phone. I am not responsible for these charges now and need to be refunded by Apple Card/Goldman Sachs. I am convinced the dispute department does not exists there and they advertise being able to dispute charges when you apply but they are not capable. This is for 2 transactions on June 7th 2023 for $501.45 for each flight.
Business Response
Date: 05/09/2025
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 April 25, 2025. ******** appreciates the opportunity to address the concerns raised by ****** ******** (the Customer) related to two transaction disputes with the ************************ in the total amount of $1,002.90.

******** has received the Customers complaint and is actively reviewing the account. ******** requires additional time to complete the investigation. The Bank 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.

Based on the above details, the Bank kindly requests for this complaint to be closed.
Initial Complaint
Date:04/24/2025
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 NOT LIABLE FOR THIS DEBT WITH APPLE CARD/ ******* I DO NOT HAVE AN ACCOUNT WITH APPLE CARD/ ** BANK THEY DID NOT PROVIDE ME WITH ORIGINAL CONTRACT AS REQUESTED.
Business Response
Date: 05/08/2025

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 April 24, 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. 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 06, 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. ******** 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.
******** confirmed the account was reported accurately to the **************************** The account charged off on March 31, 2025, as a result of the Customer failing to make a payment to satisfy at least the minimum amount due by September 30, 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 07, 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 account and the balance of $1,875.15.
Based on the above details, the Bank kindly requests for this complaint to be closed.
Initial Complaint
Date:04/22/2025
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Good Card because of the cash back system BUT they allow businesses to take money off your card even though you've change the virtual number and when the customer service can't answer your questions they just pass you around to multiple ********* I changed my virtual card number why are apps I never downloaded able to take money from my card.
Business Response
Date: 05/07/2025
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 April 23, 2025. ******** appreciates the opportunity to address the concerns raised by Diamond ******* (the Customer) related to a transaction with the merchant ************** on the Apple Card account.

******** conducted an investigation and confirmed no Bank error occurred.According to the Banks records the Customer initiated a virtual card replacement on March 21, 2025. The Customer authorized a charge in the amount of $39.99 with the merchant ************** on April *******, using the virtual card. The merchant credited the account in the amount of $39.99 on April 25, 2025.

******** attempted to contact the Customer on April 23, 2025, to address the Customers concern but was unsuccessful. ******** is available 24 hours a day,7 days a week by phone at ************** or by message from the Wallet app. ******** conducted a review of interactions and was unable to locate any record of mistreatment or misinformation provided by a Bank representative.

In the complaint narrative, the Consumer referenced concern related to an app download through the Apple Appstore. Please contact ***** directly for any assistance related to app downloads.

******** acknowledges and appreciates the feedback provided by the Customer.

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

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The Goldman Sachs Group, Inc. is NOT a BBB Accredited Business.