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 10,000 Small Businesses Program

  550 East Spring Street Columbus, OH 43215

• 

  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

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:07/07/2025

  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.

  COLLECTION AGENCY is violating the Customer Name, they removed it from one bureau and did not removed it from rest of the bureaus.

  Business Response

  Date: 07/21/2025

  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 July 7, 2025. The Bank appreciates the opportunity to address the concerns raised by ****** ***** (the Customer) related to an Apple Card opened without authorization.
  
  The Bank conducted and confirmed no Bank error occurred. Based on the Banks investigation, the Bank determined the Customer is liable for the account. The Bank is unable to provide additional information related to the investigation. According to the Banks records, the Customer opened an Apple Card and consented electronically to the Apple Card Customer Agreement on June 1, 2022. As stated in the Apple Card Customer Agreement, the Bank may report information about the account to the ************************** which includes but is not limited to Late Payments, Missed Payments, or other defaults on the account. The **** confirmed the account was reported accurately to the *************************.
  
  The account was charged off February 29, 2024, as a result of the Customer failing to make a payment to satisfy the minimum amount due by August 31, 2023. The Bank successfully delivered Statement Available Reminders, Payment Due Reminders, Missed Payment Reminders, and Eligible for ************* Reporting reminders to the email address on file. The Bank is obligated to report accurately to ************************* and is unable to remove the tradeline from the Customers credit report.
  
  The Bank sent the Customer the requested documents on February 26, 2025, June 12, 2025, and July 7, 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 each time. The Customer is responsible for the balance on the account in the amount of $6,700.91 provided in the latest statement from February 29, 2024. The Bank is unable to provide the Customer with signed documents as the Customer electronically consented to the Apple Card Customer Agreement by completing the application and opening the account. The Bank is the original creditor and is not a debt collector.
  
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:07/03/2025

  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'm a victim of identity theft and there is a fraudulent account that is reporting on my credit file withAPPLE CARD ******* USAacct# ****, opened-11-2021-balance-$10.00. I have disputed this account with the credit bureaus and with the bbb in which I submitted a validate ftc identity theft report with a police report. I have also called Goldman Sachs fraud department and spoke to several agents regarding this fraud account. For some reason this company is trying to make me liable for a fraudulent account that was opened in my name even while I supplied validate documents. I was informed that this fraud account was opened with an address, phone number, and email address that is all fraudulent information. When I called the fraud department, they said that the account is no longer in my name with Goldman sachs. I requested a debt of validation letter and they keep sending the validation letter to the address on this fraudulent account that is located in *******, **. I have never lived in *******, ** and I reside in the state of *********. 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 CRA. ***** CARD ******* ***** knowingly violating federal consumer protection laws by reporting false debt, refusing to properly investigate disputes, and engaging in deceptive and negligent reporting practices.

  Business Response

  Date: 07/17/2025

  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 July 03, 2025. The Bank 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 Bank 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. 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 August 08, 2024.
  The account was charged off on June 30, 2025, as a result of the Customer failing to make a payment to satisfy the amount due by December 31, 2024. The Bank successfully delivered Statements Available Reminders, Payment Due Reminders, Missed Payment Reminders, and Eligible for ************* Reporting reminders to the email address on file. The Bank sent the Customer the requested documents on July 8, 2025, validating the Customer's debt including a copy of the Apple Card Customer Agreement and 14 months of statement history showing records of transactions and payments to validate the balance and the debt owed. As a courtesy, the Bank has removed the tradeline for the Customer. The Bank submitted a request to have the tradeline removed from the Customers credit profile on July 10, 2025. The Customer should allow up to 30 days for the change to reflect on the Customers credit profile. The Customer is not responsible for the account or the balance. The Bank contacted the Customer on July 10, 2025, to advise of the Banks decision.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:07/03/2025

  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 report a fraudulent account that has been opened in my name with ***********. I am a victim of identity theft and did not authorize the opening of this account. Below are the details of the fraudulent account:Creditor Name: ******* USA Opened Date: 5/18/2021 Account Number: ****************High Credit: $4,366.00 I kindly request that you close this account immediately and remove any negative information associated with it from my credit report. Additionally, I would appreciate confirmation of the account's closure and any relevant documentation related to the fraudulent activity.Thank you for your prompt attention to this matter.

  Business Response

  Date: 07/17/2025

  
  
  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 July 3, 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 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 May 18, 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 reported accurately to the **************************** The account was closed and charged off on November 30, 2023, as a result of the Customer failing to make a payment to satisfy the amount due by May 31, 2023. The Customer is liable for the balance on the account in the amount of $4,366.77 provided in the latest statement from November 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 update the Customers credit reporting.
  
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:07/02/2025

  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 received a text message on May 23, 2025 asking if a ****** dollar charge for Six Flags in ********** was my charge. I replied no, I live in ************ and had no intention of going to ********** for any reason. I then immediately called the credit card administration, ******, through Goldman Sachs. I told them that the charge was fraudulent and not mine. I was told that the charge was blocked and the card, a virtual card, was canceled. They helped me to get a new virtual card number and I said goodnight. The next day I looked at the app for my account and saw they paid the charge for some reason. I called again and was told that "OH, that's our mistake, we'll just file a dispute and get rid of it." I said ok. I spoke to the ****************** and filed a dispute. A few days later I received an email telling me that I was found against and I have to pay this. I called again and told them the story about the text, the call, the second call and the dispute filed, and how had they not paid it, like they were suppose to do, this would have never happened. Again they apologized and said they would re-file the dispute and everything I said happened was supported by what their system showed so just wait and the charge would be gone. Since that time I have had to call back three to four times, maybe more, to file the dispute again each time. I don't understand how their system shows that everything I have said is true and their dispute people agree with me, but they keep saying it's my charge. Even though the next day, May 24, 2025, three orders were placed at a ********, in **********, on that card number, they were denied of course, since the number was shut down. Then the day after that another three orders at a ******** in ********** was placed with that same card number, again the card number was shut down and the order was rejected. I don't know what to tell them. I have done all the right things and they still won't admit that it's not my charge.

  Business Response

  Date: 07/17/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to the ** Card via the Better Business Bureau (BBB) Complaint Portal on July 03, 2025. The Bank appreciates the opportunity to address the concerns raised by ******* ***** (the Customer) related to a transaction dispute with the merchant SIXFLAGS MM in the amount of $264.00.
  The Bank conducted an investigation and confirmed no Bank error occurred. The Customer initially disputed the transaction from May 24, 2025 July 14, 2025. The Bank applied a temporary credit while the dispute was investigated. Based on the investigations and a review of the evidence provided, the Bank resolved the disputes in favor of the merchant because the merchant provided evidence to substantiate the claim that the digital tickets were purchased online, the Customer authorized the transaction and the tickets were redeemed. 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 from June 17, 2025 July 16, 2025. The Bank sent the Customer an email detailing the dispute outcome for each dispute. The Bank sent the Customer merchant evidence July 14, 2025 to the address on file.
  Based on the above details, the Bank kindly requests for this complaint to be closed.
  
  

  Customer Answer

  Date: 07/21/2025

  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 day this charge was placed  I answered their text, no it was not my charge, I called and reported it within a few minutes of it happening, and called the next day, which I was then informed that the first attempt was denied, but another attempt was run 2 seconds later which slipped through. My version of events coinsides with their computer logs. Also there were additional charges from the same town for the next 2 days that were denied. As well as I havent been to ********** ever. I live in ************. If I bought the tickets but never went to ********** how did I use them. This is a bank mistake and they don't want to admit to it and have to pay. I don't understand how stupid you have to be to look in your computer and see you sent a text, response was not my charge, customer calls and says not my charge, customer gets new virtual card not my charge, same card from tickets, now deactivated, is tried to be used 6 more times over the next 2 days, not my charge. Dispute supervisors admit it was the banks fault, it just slipped in by mistake but a dispute will take care of it, not my charge. How much ********, that's in their computers, needs to be shown. What evidance can I show, a nonexistent plane ticket that says not going to ********** leaving from gate a7? So the tickets were bought and redeemed, couldn't be by someone else, especially since I denied the charge since it happened. This is the most idiotic company I have ever heard from. 

   

   

   

   

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

  
  Sincerely,
  
  *** *****
  
  
  
  
   
  

  Business Response

  Date: 07/31/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to the ** Card via the Better Business Bureau (BBB) Complaint Portal on July *******. ******** appreciates the opportunity to address the concerns raised by ******* ***** (the Customer) related to a transaction dispute with the merchant SIXFLAGS MM in the amount of $264.00.
  ******** conducted an investigation and confirmed no Bank error occurred. The Customer initially disputed the transaction from May 24, 2025 July 24, 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. As a result, the temporary credit that was applied to the Customers account was reversed from June 17, 2025 July 29, 2025. ******** sent the Customer an email detailing the dispute outcome for each dispute.
  The dispute was reopened on July 29, 2025 and the Bank applied a temporary credit while the dispute was re-investigated. The dispute was ruled in the Customers favor because additional merchant contact and evidence received supports the Customers claims of fraud.  As a result, the temporary credit that was applied to the Customers account was made permanent on July 29,2025.  ******** sent the Customer an email detailing the dispute outcome.******** confirmed the card number ending in **** used for the fraudulent transaction was cancelled as fraud on May 23, 2025. ******** regrets the frustrations the Customer experienced.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

  Customer Answer

  Date: 07/31/2025

  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. The unfortunate thing is I closed my account over all the frustration in the last 2 months. I lost 1100 gm dollars and my account.
  
  Sincerely,
  
  *** *****
  
  
  
   
  
  

• Initial Complaint

  Date:07/02/2025

  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.

  This company does not honor regulation E, and it sides with scam artists and criminal activity. New York state scalping laws prohibit more than a 10% markup for entertainment ticket resale activity. GoTickets marked them up 100% in violation of New York state law. Within a day of purchasing from GoTickets, I realized that they did not actually have the tickets when my ********** account remained empty. I then realized that GoTickets wasn't the official ticket vendor. I had been tricked. I reported the fraud, but Goldman Sachs refused to back me up on this even though it's clear they violated New York state law. The ************************* counts on banks to uphold the law, but you can't count on this bank. They will side with scam artists and criminals; therefore, I don't recommend doing business with this bank, even though their interest rates are tempting. If you get scammed, they won't have your back, and that will cost you.

  Business Response

  Date: 07/16/2025

  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 July 2, 2025. The Bank appreciates the opportunity to address the concerns raised by ***** ******** (the Customer)related to a transaction dispute with the Merchant **************** *n the amount of $112.00.
  The Customer initially disputed the transaction on December 21, 2024, February 21, 2025, and April 23, 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 tickets are non-refundable and delivered to the Customers email address. The Merchant has provided the services. As a result, the temporary credit that was applied to the Customers account was reversed on February *******, April 23, 2025, and June 26, 2025. The Bank sent the Customer an email detailing the dispute outcome.
  The Bank acknowledges and appreciates the feedback provided by the ***************** regrets the frustrations the Customer experienced.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:07/01/2025

  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.

  COLLECTION AGENCY is violating the Customer Name, they removed it from one bureau and did not removed it from rest of the bureaus.

  Business Response

  Date: 07/15/2025

  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 July 1, 2025. ******** appreciates the opportunity to address the concerns raised by ******* ***** (the Customer)related to validation of the debt owed and credit reporting for the ************************ conducted an investigation and confirmed no Bank error occurred.According to the Banks records, the Customer opened an Apple Card and consented to the Apple Card Customer Agreement on August 16, 2019. As stated in the Apple Card Customer Agreement, the Bank may report information about the account to the ************************** which includes but is not limited to Late Payments, Missed Payments, or other defaults on the account. The account was charged off on February 28, 2021, as a result of the Customer failing to make a payment to satisfy at least the minimum due by August 31, 2020. ******** successfully delivered Statement Available Reminders, Payment Due Reminders,Missed Payment Reminders, Early Delinquency Reminders and Eligible for ************* Reporting Reminders to the email address on file. The **** confirmed the account was reported accurately to the ************************** During the investigation the Bank confirmed Equifax was not reporting the tradeline for the Apple Card. ******** submitted a request to Equifax 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. ******** is obligated to report accurately to ************************* and is unable to update the Customers credit reporting.
  ******** is the original creditor and is not a debt collector. ******** sent the Customer the requested documents on July 3, 2025, validating the Customer's debt including a copy of the Apple Card Customer Agreement and full statement history showing records of transactions and payments to validate the balance and the debt owed. The Customer paid the account in full as of March 21, 2021.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:06/29/2025

  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.

  On 3/19/2924 I paid $1,197.00 for 6 months of online crypto currency classes with ****** *******, a Mexican Influencer At the 3rd week of clases, he stopped responding messages on WhatsApp, or any other social media and didn't continue with the classes, after stealing 21k worth on crypto. from my Cash app and ******** account. He lured me to move my Bitcoins to his web page "**********************" (seized by the ***) were we would be working studying and generating more profit with real-time transactions. He never returned ny crypto or responded my messages anymore. I contracted Goldman Sacks explaining the situation and showing the proof of my accusations, asking them to refund me the money of the clases that I paid since not only I was victim of a scam, but also I didn't received the product that I paid for.After their "profound and exhaustive" investigation they decided in favor of the thief. I requested the documents provided by Mr. **** that lead them to take that decision. All they showed me it was a lame receipt, same receipt that I gave to them as part if my evidence (picture 1)I request the BBB to interfere and help me to recover at least $1197 of the total of $22,197.00 that this thief stole from me.Let's protect the honest working class people of this country and not the bandits cheaters from the outside

  Business Response

  Date: 07/14/2025

  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 30, 2025. ******** appreciates the opportunity to address the concerns raised by *********** ******* (the Customer) related to a transaction dispute with the Merchant Hotmart Monetizando En in the amount of $1,197.00.
  ******** conducted an investigation and confirmed no Bank error occurred. The Customer initially disputed the transaction from February 03, 2025 May *******. ******** 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 evidence provided shows the Customer had authorized the transaction. As a result, the temporary credit that was applied to the Customers account was reversed from April 14, 2025 July 10, 2025. ******** sent the Customer an email detailing the dispute outcome for each dispute. ******** contacted the Customer on July 14, 2025 to address the concerns and advised on the dispute evidence provided that we only provide services in English. The Customer is welcome to request a new investigation and provide additional evidence discussed, such as legible conversation history and a *** or police report that substantiates the Customers claim. Customers can send dispute evidence at any time by responding to the request for evidence email, by messaging the Bank in the Wallet app, or by mail to Goldman Sachs Bank USA, Salt Lake City Branch, Lockbox ******************************************************. The Customer should label all evidence with the case number and avoid sending original documents. If no new evidence is received by the Customer, the dispute resolution may not change.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

  Customer Answer

  Date: 07/17/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me and the matter has been resolved.
  
  Sincerely,
  
  *********** *******
  
  
  
   
  
  

• Initial Complaint

  Date:06/29/2025

  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.

  Dear Apple Card Support,I am writing to formally request the return of an overpayment made to my Apple Card account. I recently made several extra payments toward my balance, in error, and as a result, my account now shows a positive balance of $1,686.88.I would like this amount refunded directly to my Navy ******************** account as soon as possible. Unfortunately, I have received conflicting and unclear information regarding the process and timeline for issuing a refund. This has caused unnecessary confusion and financial inconvenience.Please review my account and initiate the refund of the full credit balance without further delay. I would appreciate confirmation once the refund has been processed, along with the estimated time it will take for the funds to reflect in my bank account.Thank you for your prompt attention to this matter.Sincerely,****** ******

  Business Response

  Date: 07/14/2025

  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 30, 2025. The Bank appreciates the opportunity to address the concerns raised by ****** ****** (the Customer)related to a credit balance refund. The Bank conducted an investigation and confirmed an inadvertent communication error occurred. According to the Banks records, the Customer contacted the Bank on June 30, 2025, regarding a credit balance on the account. The Customer received credits from the merchant Apple in the amount of $1,950.00 and $387.72 on June 27, 2025, and June 28, 2025.Additionally, the Customer made a payment on June 28, 2025, in the amount of $1,709.21. When merchant credits are applied to Apple Card accounts, they are applied to the Customers revolving line, because the revolving line can incur interest if the statement balance is not paid in full by the due date. Because the Customer had an Apple Card Monthly Installment balance that was still due,the Customer did not have an overall credit balance that could be refunded.When Customers have a credit balance on the revolving line, it can be used towards new purchases on the Apple Card or used to meet the minimum payment due each month for the Apple Card Monthly Installment. The Customer made a purchase with the ********************** in the amount of $1,738.14 that used the credit balance. The Customer has since made a payment on July 2, 2025, that satisfied both the installment and revolving balance. The Bank regrets the frustrations the Customer experienced.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

  Customer Answer

  Date: 07/14/2025

  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:06/27/2025

  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 formally lodge a complaint against *********** regarding an unauthorized account that has appeared on my credit report. The account in question, linked to APPLE CARD - ***********, was likely opened as a result of the 2017 ************ Breach, which compromised my personal information.I have reviewed my credit report and identified the following unauthorized account:Account Name: APPLE CARD - ******* USA,_Account Number: ********************** Opened: 04/29/2022,Despite submitting complaints and requests for resolution in the past, no action has been taken by ******* USA to address or rectify the situation. This unauthorized account is significantly affecting my credit score and causing me considerable financial distress.I request immediate investigation into this issue and the removal of the fraudulent account from my credit report. Furthermore, I expect to receive confirmation of corrective actions taken and assurance that no further unauthorized activities will occur.I trust that the BBB will assist in ensuring a prompt and fair resolution of this matter. I look forward to your swift response.

  Business Response

  Date: 07/10/2025

  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 30, 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 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 29, 2022. As stated in the Apple Card Customer Agreement, the Bank may report information about the account to the ************************** which includes but is not limited to Late Payments, Missed Payments, or other defaults on the account. The account was closed and charged off on August 31, 2023, as a result of the Customer failing to make a payment to satisfy the amount due by February 28, 2023. ******** successfully delivered Statement Available Reminders, Payment Due Reminders, Missed Payment Reminders, Early Delinquency Reminders, Charge-Off Prevention Reminders, and Eligible for ************* Reporting Reminders to the email address on file.
  ******** 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 July 7, 2025, validating the Customer's debt including a copy of the Apple Card Customer Agreement and 17 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 $7,545.18.
  
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:06/26/2025

  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.

  I was charged for service that was never received and therefore I had them adjusted and they reverse it. I will take legal action if not resolved.3112.00

  Business Response

  Date: 07/10/2025

  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 a transaction dispute with merchant 1-800Accountant in the amount of 3,112.00.
  
  ******** conducted an investigation and confirmed an inadvertent processing error occurred. The Customer initially disputed the transaction on March 6, 2025, and April 15, 2025. ******** applied a temporary credit while the dispute was investigated. Due to the processing error, the temporary credit was reversed on April 15, 2025, and June 26, 2025. ******** sent the Customer an email detailing each dispute outcome.
  
  The dispute was reopened on July 7, 2025, and the Bank applied a temporary credit while the dispute was re-investigated. The dispute was ruled in the Customers favor because the Bank determined the documents provided by the merchant were insufficient. The merchant evidence received did not match the Customers information. As a result, the temporary credit previously applied to the Customers account was made permanent on July 7, 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.

  Customer Answer

  Date: 07/11/2025

  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,
  
  **** ****