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 & Co.

  100 Crescent Ct STE 1000 Dallas, TX 75201-7893

• 

  Goldman Sachs Personal Financial Managerment

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

• 

  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:04/09/2025

  Type:Sales and Advertising 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 request Goldman Sachs to stop charging interest to my Apple credit card and reverse the accumulative interest of $16.30 incurred between 10/5/2024 and now. After they reversed the interest on 10/5/2024, Goldman Sachs kept charging interest to my Apple credit card. The reversed interest, as well as the interest that continued to incur, is associated with the purchase of an ***** product. I purchased the ***** product using the Apple credit card after being informed by an employee at the Apple store that no interest would incur if the Apple credit card was used for the purchase. Goldman Sachs explains that the interest was incurred for the sales tax and not the purchase. This detailed information was not provided to me at the time of purchase. Besides, not charging interest for the purchase and at the same time charging interest for the sales tax is downright foul.

  Business Response

  Date: 04/23/2025

  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 April 10, 2025. ******** appreciates the opportunity to address the concerns raised by ****** *** (the Customer) related to interest assessed on an Apple Card account.
  ******** conducted an investigation and confirmed no Bank error occurred. Apple Card Monthly Installments (ACMI) is a payment option available in the **** to Apple Card Customers that allows the cardholder the ability to purchase certain ***** products from ***** at 0% Variable Annual Percentage Rate. Transactions that do not qualify for Apple Card Monthly Installments are applied to the account as a standard transaction subject to the Variable Annual Percentage Rate assigned to the Apple Card.
  According to the Banks records, the Customer made a purchase on ********* in the amount of $1,349.00. The Customer did not use Apple Card Monthly Installments (ACMI) for this purchase. As a result, the device amount was applied to the account as a standard transaction subject to the variable APR assigned to the Apple Card. The Customer contacted the Bank on October 5, 2024, and requested to convert the amount of $1,349.00 to Apple Card Monthly Installments. ******** confirmed the device was successfully converted to Apple Card Monthly Installments at 0% interest and a credit in the amount of $23.68 was applied to the account for the charged interest.
  To avoid interest charges, customers are required to pay the monthly balance in full as of the end of the previous month by the due date every month. If the monthly balance is not paid in full on or before the due date, customers are charged interest on the monthly balance for the days until the customer fully pays it off. This is also known as trailing interest. Additional details regarding how the Bank calculates interest can be found in the Apple Card Customer Agreement. According to the Banks records, the Customer did not pay the monthly balance in full by the due date for the transactions applied to the account as a standard transaction that are subject to the Variable Annual Percentage Rate assigned to the Apple Card.  As a result, interest was assessed on the account.
  Additionally, the Bank conducted a review of interactions and was unable to locate any record of mistreatment or misinformation provided by a Bank representative. The Customer is responsible for the interest charged on the account.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

  Customer Answer

  Date: 04/27/2025

  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 bank claims that **** needed to be used for the 0% interest rate to be applied for the purchase of an ***** product using the Apple credit card. A *** at an *********** in *************, **, promoted the Apple Card. No information about **** was disclosed at the time of promotion. The *** simply informed that no interest would be applied for ***** product pruchase using the card. No information about **** was disclosed at the time of at the time of the purchase either. A *** at ***** Store promoted the Apple credit card. I acted based on the information given to me at the time of promotion and made the purchase. A *** at the Apple Store promoted the Apple Credit card issued by the bank. I even asked the sales *** at the ***** store at the time of purchase whether 0% interest would be applied to the ***** product purchase made by using the Apple credit card. I was affirmed that no interest would be applied. The bank should not apply interest charges to me for making a purchase by acting on the information that was provided to me.

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

  
  Sincerely,
  
  ****** ***
  
  
  
  
   
  

  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 7, 2025. ******** appreciates the opportunity to address the concerns raised by ****** *** (the Customer) related to interest assessed on an Apple Card account.
  As stated in the Banks previous response, the Bank conducted an investigation and confirmed no Bank error occurred. Apple Card Monthly Installments (ACMI) is a payment option available in the **** to Apple Card Customers that allows the cardholder the ability to purchase certain ***** products from ***** at 0% Variable Annual Percentage Rate. Transactions that do not qualify for Apple Card Monthly Installments are applied to the account as a standard transaction subject to the Variable Annual Percentage Rate assigned to the Apple Card.
  According to the Banks records, the Customer made a purchase on ********* in the amount of $1,349.00. The Customer did not use Apple Card Monthly Installments (ACMI) for this purchase. As a result, the device amount was applied to the account as a standard transaction subject to the variable APR assigned to the Apple Card. The Customer contacted the Bank on October 5, 2024, and requested to convert the amount of $1,349.00 to Apple Card Monthly Installments. The Bank confirmed the device was successfully converted to Apple Card Monthly Installments at 0% interest and a credit in the amount of $23.68 was applied to the account for the charged interest.
  To avoid interest charges, customers are required to pay the monthly balance in full as of the end of the previous month by the due date every month. If the monthly balance is not paid in full on or before the due date, customers are charged interest on the monthly balance for the days until the customer fully pays it off. This is also known as trailing interest. Additional details regarding how the Bank calculates interest can be found in the Apple Card Customer Agreement. According to the Banks records, the Customer did not pay the monthly balance in full by the due date for the transactions applied to the account as a standard transaction that are subject to the Variable Annual Percentage Rate assigned to the Apple Card. As a result, interest was assessed on the account. The Customer is responsible for the interest charged on the account.
  ******** 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 Customer mentions concerns related to services at an Apple Store. ******** is unable to speak to services provided at ***** retailers.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

  Customer Answer

  Date: 05/22/2025

  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 makes it sound like this complaint is about a bank error. This complaint is not about bank error. This complaint is about informing the customer that no interest will be charged to the purchase of an apple product, and charging interest to the tax associated with the purchase without disclosing that the interest will be charged to the tax associated with the purchase.

   

   

   

   

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

  
  Sincerely,
  
  ****** ***
  
  
  
  
   
  

• Initial Complaint

  Date:04/09/2025

  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.

  Goldman Sachs (GS) opened a bank account its online unit ********** in which the person who opened the account fraudulently used my personal identification info. ** has failed to respond to repeated contacts from Lifelock and myself to tell us what if anything GS has done to resolve the matter. I will upload my most recentl letter to GS and the state and Federal complaints that were filed and were included with that letter. Those documents give a concise summary.

  Business Response

  Date: 04/24/2025

  BBB Response *********
  ID ********
  ****** by Goldman Sachs, a brand of Goldman Sachs Bank USA (the Bank), received the abovereferenced
  complaint via the Better Business Bureau Complaint Portal on April 10, 2025. The Bank
  appreciates the opportunity to address the concerns raised by ******* ********* (the Consumer)
  related to the unauthorized opening of an ************** Account (***).
  On October 7, 2024, an individual opened an *** utilizing the Consumers information. On October 10,
  2024, the Bank conducted an account maintenance review, identified security concerns regarding the
  Consumers identity, and restricted the *** for the protection of the Consumer. The following day, the
  Consumer contacted the Bank with concerns pertaining to the *** and informed the Bank specialist that
  the *** was opened without the proper authorization. Subsequently, the Bank specialist opened an
  investigation into the Consumers concerns.
  On November 6, 2024, the Consumer contacted the Bank to request the information used at the time of
  account opening. On the call, the Bank specialist informed the Consumer of the documentation the
  Consumer must submit to the Bank in order to release information used during the *** application
  process. On November 21, 2024, the Bank completed its investigation and closed the unauthorized ***.
  The Bank mailed a letter to the Consumer confirming the closure of the *** on November 22, 2024.
  Between November 2024 to April 2025, the Bank received the requested documentation from the
  Consumer. Unfortunately, the Bank experienced a delay in reviewing the documentation. After further
  review, on April 11, 2025, the Bank mailed the Consumer the requested information.
  Based on the above details, the Bank kindly requests this complaint to be closed.

  Customer Answer

  Date: 04/26/2025

  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:

  The business claims in their "response" to have mailed the requested information to me on two separate occasions. I have never received any mail or other response from them. I gave them my mailing address in both of the letters which I mailed to them. I don't know where they actually mailed whatever they claim to have mailed, but I have received no information or other response from them at any time. Lifelock and I have placed several conference calls to the business to request information, and each time the representative of the business stated that she had no information and no access to information about this claim.

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

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

  Business Response

  Date: 05/07/2025

  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 April 28, 2025. The Bank appreciates the opportunity to address the concerns raised by ******* ********* (the Consumer) related to the unauthorized opening of an ************** Account (***).
  Per the Banks previous response, on November 6, 2024, the Consumer contacted the Bank to request the information used at the time of account opening. On the call, the Bank specialist informed the Consumer of the documentation the Consumer must submit to the Bank in order to release information used during the *** application process. Between November 2024 and April 2025, the Bank received the requested documentation from the Consumer. On April 11, 2025, the Bank mailed the Consumer the requested information. Unfortunately, due to a processing error, the Consumer experienced a delay in receiving the requested documentation. After further review, on April 30, 2025, the Bank mailed the requested information to the Consumers address. Per *** tracking number ******************* the Consumer received the documentation on May 1, 2025.
  Based on the above details, the Bank kindly requests this complaint to be closed.

  Customer Answer

  Date: 05/08/2025

  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.

  However, I would like to point out that the response misrepresents to BBB some relevant facts. The business states that they received the information from me between "November 2024 and April 24, 2025." In fact, they received all of that information from me at one time in the second half of November 2024, and they failed to respond to repeated phone calls and a second letter from me in December 2024 through April 2025. The business never provided any response of any kind until April 30, 2025, six days after their response to BBB, when they hastily sent me by overnight delivery the documents we had been requesting repeatedly since November 2024. This is not a reasonable way to conduct their business. Thank you, BBB, for intervening.

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

  
  

• Initial Complaint

  Date:04/09/2025

  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.

  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: $1,131.00 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: 04/22/2025

  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 9, 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 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 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.
  ******** confirmed the account was closed and charged off as of April 30, 2023,as a result of the Customer failing to make a payment to satisfy the minimum amount due by October 31, 2022. ******** successfully delivered Statement Available Reminders, Payment Due Reminders, Missed Payment Reminders, and Eligible for ************* Reporting reminders to the email address on file. ******** confirmed the account was reported accurately to the Credit Reporting Agencies.
  ******** sent the Customer the requested documents on April 11, 2025,validating the Customer's debt including a copy of the Apple Card Customer Agreement and 24 months of statement history showing records of transactions and payments to validate the balance and the debt owed. ******** is unable to provide the Customer with signed documents as the Customer electronically consented to the Apple Card Customer Agreement by completing the application and opening the account. The Customer is responsible for the balance on the account in the amount of $1,131.71.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:04/09/2025

  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.

  Missing balance transfer payment from ****** to Goldman Sachs in the amount of $1,000. Check was cashed on the 21st of March by Goldman Sachs. I received a communication from Goldman Sachs stating no error has occurred and no payment found and applied to my account. Check number is ********.

  Business Response

  Date: 04/22/2025

  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 April 9, 2025. The Bank appreciates the opportunity to address the concerns raised by **** ******* (the Customer) related to a missing payment for the ************************** conducted an investigation and confirmed no Bank error occurred. The Bank does not have record of an ACH bill pay. **** pays may be processed as an ACH or check depending on the originating financial institution and can take 7 to 10 business days to be received and processed. The Bank accepts payments made via ***, check, bill pay, or Apple Cash. The Customer may refer to the Making Payments section of the Apple Card Customer Agreement for additional details. The Bank contacted the Customer on April 22, 2025, to address the concerns. The Customer was advised we are unable to locate the check with the provided information. The Customer advised they will continue to work with ************************ that is mentioned in the complaint. For further assistance with the missing payment, 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.

• Initial Complaint

  Date:04/08/2025

  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 2/7/23 someone had attempted to use my Apple Card to purchase tickets to ***** as well as book a Air B&B. I immediately saw the charge come through and reported it as fraud. If you look at the Expedia transactions they were stopped. The $267.78 I have disputed 27 times. I have been getting the run around from multiple "supervisors" who tell me they sympathize with my situation and will do everything they can for me. I have asked for managers, and was blatantly told that the "back end" was working through the issue. I have asked for the documentation from ******* as to WHY the other charges were credited back but this one was not. They keep saying "they are investigating" but than always put the charge back on. I have proved identity fraud with three other credit cards on the same day and they were all taken care of. I have been given the run around by grossly incompetant staff and supervisors who pacify me and have told me they have filed a complaint on my behalf. I truly didn't know where to go until I googled, and the BBB came up as a solution. I have provided notarized statements, proof beyond what I should have and STILL they always favor against me. I am NOT - REFUSE to pay for blatant fraud. As soon as I saw these charges, I contacted Goldman Sachs and Expedia and alerted them that my identity was stolen and that these charges were not being made by me. Why this $267.78 cannot be closed is beyond my comprehension. They are rude now when I contact them and say "well this has been asserted 27 times." Your darn right it has - why should I pay for something that was not made or even enjoyed by me. The people at Goldman Sachs handling disputes are grossly inept and incompetant. I refuse to pay this debt and because it is no longer a provisional credit, I am accruing interest on it. Please help me to get this dispute finalized in my favor. They have the proof for over 2 years and it the principle of the matter. They treat people poorly.

  Business Response

  Date: 04/22/2025

  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 April 09, 2025. ******** appreciates the opportunity to address the concerns raised *** ***** (the Customer) related to a transaction dispute with the merchant Expedia in the amount of $267.78.
  ******** conducted an investigation and confirmed an inadvertent processing error occurred. The Customer disputed the transaction on February 09, 2023, April 21, 2023, June 24, 2023, August 10, 2023, October 20, 2023, December 06, 2023, February 28, 2024, April 16, 2024, June 25, 2024, August 22, 2024, October 30, 2024, and December 12, 2024. ******** applied a temporary credit while the dispute was investigated. Due to a processing error, the initial dispute was resolved incorrectly in the merchants favor. As a result, the temporary credit was reversed on April 21, 2023, June 24, 2023, August 10, 2023, October 20, 2023, December 04, 2023, February 20, 2024, April 05, 2024, June 25, 2024, August 22, 2024, October 30, 2024, December 11, 2024, and February 06, 2025. ******** sent the Customer an email detailing the dispute outcome.
  The dispute was reopened on April 14, 2025, and the Bank applied a temporary credit while the dispute was investigated. The dispute was resolved in the Customers favor because of the processing error.   Based on the investigation and evidence provided, the dispute was resolved in favor of the Customer. As a result, the temporary credit was made permanent on April 14, 2025. ******** sent the Customer an email detailing the dispute outcome. Additionally, the Customer was reimbursed for the interest assessed for the transaction in the amount of $202.37. ******** regrets the frustrations the Customer has experienced.
  Based on the above details, the Bank kindly requests for this complaint to be closed

  Customer Answer

  Date: 04/28/2025

  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:04/05/2025

  Type:Product 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.

  I purchased two flight tickets from "*******" for a Lufthansa flight from ******* to ****** (****) on June 5, 2024, for a total amount of $2,465.94. I paid this amount using my Apple Card. Please note that the Apple Card split this amount into two transactions of $1,237.97 each.********* suspended their flights to **** from December 2024 until the end of January 2025, and as a result, I was unable to use my tickets since the flight was canceled. If you review their website, you will see that the flights were indeed suspended, leaving me with no way to travel to **** with **********I reached out to both "JustFly" and "Apple Card" to request a refund, but they have not refunded my money. Since the flight was canceled and I could no longer use the tickets, I requested a refund, but both "JustFly" and "Apple Card" have not processed it. Interestingly, I purchased the same flight for my parents using a Chase **** card, and they received a full refund. However, I have been facing this issue with my Apple Card for several months, which is unacceptable.Once the flight was canceled, how could I possibly use the tickets, and why have I not been refunded for the canceled flight?I would greatly appreciate your assistance in resolving this matter.

  Business Response

  Date: 04/17/2025

  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 05, 2025. ******** appreciates the opportunity to address the concerns raised ***** ****** (the Customer) related to a transaction dispute with the merchant ********* in the total amount of $2,475.94.
  ******** conducted an investigation and confirmed an inadvertent processing error occurred. The Customer disputed the transactions on October 24, 2024, December 31, 2024, and February 12, 2025. ******** applied a temporary credit while each dispute was investigated. Due to an inadvertent processing error, the disputes were resolved in favor of the merchant. As a result, the temporary credits that were applied to the Customers account were reversed on December 09, 2024, February 12, 2025, March 27, 2025 and April 3, 2025. ******** sent the Customer an email detailing each dispute outcome.
  The disputes were reopened on March 27, 2025 and April 03, 2025. ******** applied temporary credits while the disputes were re-investigated. Based on an investigation and evidence provided, the disputes were resolved in favor of the Customer as there is no merchant evidence to hold the customer liable for the charges. As a result, the temporary credits previously applied to the Customers account were made permanent on April 10, 2025. ******** sent the Customer an email detailing each dispute outcome. ******** regrets the frustrations the Customer experienced.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

  Customer Answer

  Date: 04/25/2025

  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:04/05/2025

  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.

  To: Better Business Bureau Subject: Formal Complaint Unlawful Credit Reporting ******************* to Remove Charge-Off Dear BBB Dispute Resolution Team,I am filing this complaint against Goldman Sachs Bank USA for its repeated violations of federal consumer protection laws, including the Fair Credit Reporting Act (FCRA) and IRS regulations governing debt forgiveness. Despite my multiple disputes, Goldman Sachs continues to report a charged-off account (Apple Card) that was legally satisfied via IRS 1099-C, constituting double jeopardy and fraudulent collection practices.Specifically, Goldman Sachs has: Violated FCRA 1681s-2(b) by failing to properly reinvestigate my dispute. Reported false and unverified information in violation of FCRA 1681e(b). Persisted in reporting a debt that, under *** guidelines, has been discharged, thus unlawfully attempting to collect on an already settled obligation.These actions have severely damaged my credit profile, restricted my access to essential credit, and resulted in significant financial and reputational harm. I demand the immediate, permanent deletion of the disputed charge-off from all 3 credit reports, Experian, ******************** and all related negative entries be corrected. I further request that Goldman Sachs be held accountable for its deceptive and unlawful reporting practices.I respectfully request the BBBs assistance in ensuring that Goldman Sachs rectifies these violations and provides a prompt resolution.Sincerely,**** *****

  Business Response

  Date: 04/16/2025

  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 7, 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 August 21, 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 August 31, 2021, as a result of the Customer failing to make a payment to satisfy the amount due by February 28, 2021. The Bank 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 credit reporting. ******** is unable to opt the Customer out of credit reporting. 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 ****************************************************************************************.
  ******** has not cancelled the debt, and an IRS form 1099-C has not been issued for this account. ******** sent the Customer the requested documents on April 10, 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 account in the amount of $6,215.01.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:04/04/2025

  Type:Sales and Advertising 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 received a pending charge from *********** on March 27th for ******. After speaking with the hotel regarding the unauthorized charged they had sent a invoice stated I wasn't charged and that they had refunded me the amount. I noticed that they payment was still pending on my account and opened a dispute with *****. I spoke with a specialist on a recorded line with ***** who indicated that they could see that I had been refunded but the amount is still pending. I spoke to a ***** specialist today as the charge is still pending a week later and they informed me that they couldn't see a refund.

  Business Response

  Date: 04/17/2025

  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 04, 2025. The Bank appreciates the opportunity to address the concerns raised by ******* ******* (the Customer) related to a pending transaction of the ************************** conducted an investigation and confirmed no Bank error occurred. According to the Banks records, the merchant *********** posted a pending transaction in the amount of $367.99 on March 27, 2025. Pending transactions may take up to 30 days to fall off the account. The Bank confirmed the pending transaction fell off the account on April 10, 2025, and the credit was made available for the Customer to use.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:04/04/2025

  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 matter. APPLE CARD/GS BANK USA ACCOUNT no.: ************ DATE OPEN: 07/01/2021 BALANCE: $1,797.00

  Business Response

  Date: 04/16/2025

  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 04, 2025. ******** appreciates the opportunity to address the concerns raised by ******* ***** ****, (the Customer) related to credit reporting for ************************** 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 July 08, 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.
  ******** confirmed the account was closed and charged off as of June 30, 2022, as a result of the Customer failing to make a payment to satisfy the minimum amount due by December 31, 2021. ******** 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 **********, 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.
  ******** will cease all collection communication with the Customer except those legally required or requested by the Customer. ******** sent the Customer documents on April 08, 2025, validating the Customer's debt including a copy of the Apple Card Customer Agreement with the entire account 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 $1,797.74.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:04/04/2025

  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 an Apple credit card through Goldman Sachs. I made a purchase in November of 2024 and the seller sent me items that were not as described. I mailed them back to the seller and opened a claim with Goldman sachs. I provided all the necessary documentation including proof of delivery of returned items. It has been 5 months and Goldman sachs is not refunding my funds to the card and making me fight tooth and nail to get my money back. It has been ongoing and no resolution.

  Business Response

  Date: 04/17/2025

  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 4, 2025. ******** appreciates the opportunity to address the concerns raised by ******** **** (the Customer) related to a transaction dispute with the merchant ***** ********** in the amount of $144.50.
  ******** conducted an investigation and confirmed an inadvertent processing error occurred. The Customer initially disputed the transaction on December 16, 2024. ******** applied a temporary credit while the dispute was investigated. Due to a processing error, the initial dispute was resolved incorrectly in the merchants favor. As a result, the temporary credit was reversed on February 24, 2025. ******** sent the Customer an email detailing the dispute outcome.
  The dispute was reopened on February 24, 2025, and the Bank applied a temporary credit while the dispute was re-investigated. The dispute was ruled in the Customers favor because the Customer provided sufficient evidence to support their claim. As a result, the temporary credit that was applied to the Customers account was made permanent on April 10, 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.