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:03/04/2025

  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 have two disputes that have been ongoing for OVER a year now with Goldman Sachs. I have spoken with a plethora of managers regarding both disputes and provided supporting documentation. Budget: $75.00 AliExpress: $115.48 For Budget I was charged a "no show fee" of $75.00, I contacted Budget they said they never charged me this fee and sent me an invoice showing the fee was never charged. I had a budget rental from 1/3/24-1/6/24. I wasn't a no show I showed up. I spoke with managers at Goldman Sachs and they agreed I was correct. I have had this dispute reopened over 10 times at this point, and each time its "resolved" Goldman Sachs says, "there was no evidence provided" and I have text messages, and emails from when I sent the proof, and I was told on the phone the proof was received as well, and that I am correct.Ali express: I ordered a hair piece wig for my sister in law that was battling cancer at the time and recieved a completely different item than advertised. The wig was synthetic, not human, I have contacted ********** several times and given ********** is located in ***** so their response very vague and unhelpful. I provided all sufficient proof such as the false listing on **********, the wig itself. I tried to ship back to them, and the seller did not respond. As I understand this is not a goldman sachs issue, this dispute should have been resolved in my favor due to the outcome and sufficient proof. Goldman Sachs says they didn't recieve "proof" and I sent it so many times. A lot of other people that use Goldman Sachs has this same issue they aren't fully investigating the disputes they just say "proof not recieved" and make the customer like myself have to keep reopening the dispute. It's exhausting and I am over it. I haven't used the credit card in a year now since this occurred. I don't feel valued as a customer at all. It's a headache on the phone as well no one knows their job or anything. Pics of wig mb are too big for upload.

  Business Response

  Date: 03/18/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on March 4, 2025. ******** appreciates the opportunity to address the concerns raised by ****** ******** (the Customer) related to 2 transaction disputes with the merchant Budget Trk in the amount of $75.00, and AliExpress in the amount of $115.48.
  ******** conducted an investigation and confirmed an inadvertent processing error occurred. The Customer initially disputed the transaction with ***** Trk on January 6, 2024, March 29, 2024, May 28, 2024, July 31, 2024, September 27, 2024, and November 27, 2024. ******** applied a temporary credit while the dispute was investigated. Due to a processing error, the dispute was resolved incorrectly in the merchants favor. As a result, the temporary credit was reversed on March 28, 2024, May 22, 2024, July 26, 2024, September 27, 2024, November 18, 2024, and January 18, 2025. ******** sent the Customer an email detailing the dispute outcome.
  The dispute was reopened on February 18, 2025, and the Bank applied a temporary credit. The dispute was resolved in the Customers favor because the merchants evidence was insufficient in showing the Customer should have been charged a no-show fee. As a result, the temporary credit was made permanent on March 14, 2025. ******** sent the Customer an email detailing the dispute outcome.
  The Customer initially disputed the transaction with AliExpress on February 10, 2024, April 12, 2024, June 26, 2024, August 20, 2024, and November 27, 2024. ******** applied a temporary credit while the dispute was investigated. Due to a processing error, the dispute was resolved incorrectly in favor of the merchant. As a result, the temporary credit was reversed on April 12, 2024, June 20, 2024, August 2, 2024, October 28, 2024, and January 31, 2025. ******** sent the Customer an email detailing the dispute outcome.
  The dispute was reopened on February 18, 2025, and the Bank applied a temporary credit. The dispute was resolved in the Customers favor because the merchants evidence was insufficient in showing the merchant was willing to work with the Customers concerns. As a result, the temporary credit was made permanent on March 14, 2025. ******** sent the Customer an email detailing the dispute outcome. ******** 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: 03/19/2025

  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:03/03/2025

  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 used my Apple Card to do an installment agreement to buy and Apple phone 1.12/25. I made 3 payments $3004 1/20/25 $100 1/26 and $109 2/15. At this time I noticed it was not an installment sale so I called and they converted it to an installment ageeement and I received the email. I had a credit balance of $239.04. On the email it says my first installment was due 3/31 and that I could pay off my balance quicker. They took the first installment 2/28. I phoned today 3/3 to ask why my positive balance had dropped and they said it was because the installment had gone out and they dont know why as they saw in the email 3/31 too. I then asked them to apply the rest of the positive balance to the installment and was told they can not do that the system wont allow. The email states I can pay more every month to pay it off earlier.

  Business Response

  Date: 03/17/2025

  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 March 3, 2025. The Bank appreciates the opportunity to address the concerns raised by ****** ******* (the Consumer) related to an ************************************************* conducted an investigation and confirmed no Bank error occurred.
  
  According to the Banks records on January 14, 2025, the Customer made a purchase on ********* in the amount of $1,001.46. The Customer did not use Apple Card Monthly Installments (****) 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 February 15, 2025, and requested to convert the amount of $1,001.46 to Apple Card Monthly Installments. The Bank confirmed the device was successfully converted to Apple Card Monthly Installments at 0% interest.
  
  Prior to the conversion, the Customer made payments totaling $239.04 which resulted in a credit balance upon purchase conversion. On February 28, 2025, the amount of $41.72, was applied towards the installment plan from the credit balance. The Bank was successful in applying the remaining $197.32 credit balance towards the installment plan. The remaining balance for the **** plan is $762.42, with no payment due on March 31, 2025. The Bank regrets any frustration the Customer has experienced.
  
  Based on the above details, the Bank kindly requests for this complaint to be closed.
  

  Customer Answer

  Date: 03/24/2025

  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:03/03/2025

  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.

  To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. COMPANY NAME: Goldman Sachs Bank USA ACCT #: ***. $4,753.00/$4,753.00 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  Business Response

  Date: 03/17/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on March 3, 2025. The Bank appreciates the opportunity to address the concerns raised by ***** *** (the Customer) related to credit reporting for the ****************************** conducted an investigation and confirmed no bank error occurred. According to the Banks records, the Customer opened an Apple Card and consented to the Apple Card Customer Agreement on November 10, 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 January 31, 2023, as a result of the Customer failing to make a payment to satisfy the minimum amount due by August 31, 2022. The Bank successfully delivered Statement Available Reminders, Payment Due Reminders, Missed Payment Reminders, and Eligible for ************* Reporting reminders to the email address on file. The **** confirmed the account was reported accurately to the ************************** The Bank is obligated to report accurately to ************************* and is unable to update the Customers credit reporting. The Bank is the original creditor and is not a debt collector. The Bank sent the Customer the requested documents on March 5, 2025 validating the Customer's debt including a copy of the Apple Card Customer Agreement and 6 months of statement history showing records of transactions and payments to validate the balance and the debt owed. The Customer is responsible for the balance on the account in the amount of $ ******** provided in the latest statement from January 31, 2023. 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.
  
  In the documents provided with the complaint, the Customer referenced concern related to an account with *************. The Customer should contact ************* directly for further assistance.
  
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:02/28/2025

  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 complaint because my credit report contains accounts that I do not recognize, and I strongly suspect they may be linked to a data breach. The presence of these unverified accounts is deeply concerning, as they could be negatively affecting my credit score and overall financial stability.Despite my attempts to obtain verification, I have not received sufficient proof that these accounts are legitimate. This lack of transparency is unacceptable. As a consumer, I have the right to demand proper documentation justifying their inclusion on my credit report.The accounts in question are as follows:Name of Unverified Item: *********** Account Number: **************** Reporting Balance: $3,384.00 Under the Fair Credit Reporting Act (15 U.S.C. 1681g), I am formally requesting copies of any documents used to verify these accounts. A generic response stating that they have been verified is not acceptable. I require tangible proofsuch as original account applications, signed agreements, or transaction *********** confirms their legitimacy.If no such documentation exists, these accounts must be immediately removed under Section 611(a)(5)(A)(i) of the ****, which mandates the deletion of unverifiable information from consumer credit reports.I urge your office to take this matter seriously and conduct a thorough review. This situation has already caused me unnecessary stress and could have long-term consequences on my financial security. I expect swift action and a clear resolution.Thank you for your immediate attention to this issue. Please provide a timely response outlining the steps being taken to address my concerns.

  Business Response

  Date: 03/14/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the ************************************** (CFPB) Complaint Portal on March 1, 2025. The Bank appreciates the opportunity to address the concerns raised by ****** ***** (the Customer) related to credit reporting for the ************************** conducted an investigation and confirmed no Bank error occurred. According to the Banks records, the Customer opened an Apple Card and consented to the Apple Card Customer Agreement on October 1, 2020. As stated in the Apple Card Customer Agreement, the Bank may report information about the account to the ************************** which includes but is not limited to Late Payments, Missed Payments, or other defaults on the account.
  The account was charged off on January 31, 2023, as a result of the Customer failing to make a payment to satisfy the amount due by June 30, 2022. 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 ************************** The Bank 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 March 5, 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 liable for the balance on the account in the amount of $3,384.09 provided in the latest statement from January 31, 2023.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:02/28/2025

  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 have been on a financial hardship agreement with the Apple Credit Card by Goldman Sachs for a little over a year. The agreement was that I pay $25 a month at 0 interest for 5 years until the card is paid off, but I am unable to use it until it's fully paid. I set up autopay. At some point the autopay stopped working and I wasn't notified of why, but I kept getting late notices and would have to go pay it manually. Then, a couple months ago they suddenly charged me $75 instead of $25 but i figured maybe that was a couple months payment at once. Then last month I was charged $40 dollars and it showed on the account that i had been charged interest. Today, is payment date for this card and I go to pay it and it says $27 and that i will be charged interest again. I haven't been notified of any reason why they have suddenly undone my autopay and started charging me whatever they want each month, including interest. As far as I can tell by the calendar, it hasn't been five years I tried to talk to someone about it last month and was put on hold for so long that i couldn't keep waiting. this month, i was given an ai response and then put on hold again when i said that i would be filing a complaint. Then they tried claiming i was never on a payment plan even though it shows clearly that i was not being charged interest. Then they tried claiming it ended, even though it was supposed to last for 5 years

  Business Response

  Date: 03/13/2025

  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 February 28, 2025. The Bank appreciates the opportunity to address the concerns raised by ****** ****** (the Customer) related to interest assessed on an Apple Card account and the ***************************************** conducted an investigation and confirmed no error occurred. According to the Banks records, the Customer contacted the Bank on December 18, 2023,requesting to enroll in an Apple Card payment plan. The ***** Card payment plan requires the Customer to pay the payment plan amount by the due date each month as instructed in the communication sent to the Customer's email address on file dated December 18, 2023. As a result, the Bank processed a payment in the amount of $25.00 on (first 3 payments). The Customer did not enroll into autopay after the first (3) payments. The Bank processes payments in accordance with the automatic payment instructions set up by the Customer. The Customer submitted successful one-time payments for the duration of the 12-month plan.The Customer successfully completed the ******** term on November 30, 2024. The **** has no record of the Customer being enrolled or being advised of enrollment in a 5-year 0% Variable Annual Percentage Rate payment plan.
  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. The Customer did not satisfy the entire balance on December 31, 2024, and assessed an interest charge. Based on the above details, the Bank kindly requests for this complaint to be closed.
  

• Initial Complaint

  Date:02/27/2025

  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.

  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. *********** ACCOUNT no.: ************ DATE OPEN: 01/01/2021 BALANCE: $966.00

  Business Response

  Date: 03/13/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on February 27, 2025. The Bank appreciates the opportunity to address the concerns raised by ******** ******** (the Customer) related to credit reporting for the ************************** conducted an investigation and confirmed no Bank error occurred. According to the Banks records, the Customer opened an Apple Card and consented to the Apple Card Customer Agreement on January 6, 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 July 31, 2023, as a result of the Customer failing to make a payment to satisfy the minimum amount due by January 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 **** confirmed the account was reported accurately to the ************************** The Bank is obligated to report accurately to ************************* and is unable to update the Customers credit reporting. The Customer is responsible for the account and the balance of $966.42. 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:02/25/2025

  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.

  I am not liable for this debt with charter communications, I do not have a contract with ***********, they did not provide me with the original contract as i requested

  Business Response

  Date: 03/12/2025

  
  
  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on February 26, 2025. The Bank appreciates the opportunity to address the concerns raised by Feres ***** (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 electronically consented to the Apple Card Customer Agreement on March 10, 2020. As stated in the Apple Card Customer Agreement, the Bank may report information about the account to the ************************** which includes but is not limited to Late Payments, Missed Payments, or other defaults on the account. The account was charged off on February 28, 2023, as a result of the Customer failing to make a payment to satisfy the minimum amount due by August 31, 2022. The Bank successfully delivered Statement Available Reminders, Payment Due Reminders, Missed Payment Reminders, and Eligible for ************* Reporting reminders to the email address on file. The **** confirmed the account was reported accurately to the **************************** The Bank is obligated to report accurately to *************************** and is unable to update the trade line from the Customers credit report. The Bank sent the Customer the requested documents on March 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. The Bank is unable to provide any additional documents. The Customer is responsible for the balance on the account in the amount of $5,028.14. The Bank attempted to contact the Customer on March 11, 2025 but was unsuccessful.
  
  In the complaint narrative, the Customer referenced concern related to an account with *********************** The Customer should contact ************************ directly for further assistance.
  
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:02/24/2025

  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 purchased a MacBook Pro at the *********** using my Apple Card. I returned it to exchange for a new color and GS ERRONEOUSLY put a flag on my account for a fraudulent purchase. I called, they said they lifted the restriction and to make my purchase. As soon as I did it flagged my account again and put it in restriction m. They refuse to fix what the admitted was THEIR ERROR thats going to cost me my LIVELIHOOD because I cant purchase the computer I use to work and pay my bills.They claimed they expedited the issue but every time I call them they have nothing to sayThey need to lift this restriction IMMEDIATELY since it was THEIR ERROR. I NEED THIS COMPUTER TO PAY MY BILLS. FIX YOUR MISTAKE.

  Business Response

  Date: 03/10/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on February 24, 2025. ******** appreciates the opportunity to address the concerns raised by ******** ****** (the Customer) related to a restricted Apple Card account.
  ******** conducted an investigation and confirmed no Bank error occurred. According to the Banks records, the Customer attempted a transaction with the merchant Apple in the amount of $2,899.00, on February 22, 2025. ******** subsequently declined the transaction. The Apple Card Customer Agreement references that the Bank may decline transactions for any reason, including suspected or actual fraud.
  As a part of a regular account review process, the Bank placed a restriction on the account on February 22, 2025, until additional research could be completed. ******** completed the review and lifted the restriction on the Customers account. ******** confirmed that the Customers account is active and available for use as of February 24, 2025. ******** acknowledges and appreciates the feedback provided by the Customer. ******** conducted a review of interactions and was unable to locate any record of mistreatment or misinformation provided by a Bank representative.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:02/22/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Hello, I applied Apple Credit card as a first time user using their promo which was sent to me via e-mail. The Apple Card was offered at Goldman Sachs. The promo email says I need to open a new Apple card account 08/13/24 through 09/03/2024 which exactly what I did. I applied to open my credit card on 09/03/2024 and spent more than $2000 in the first 30 days. The second requirement was to spend $1500 or more within 60 days of opening. So until here, I satisfy all the conditions to get $300 promo. However, Goldman Sachs says I am unable to receive the offer because my card was approved 09/04/2024. They acknowledged that I applied on 09/03/2024 which was the last day of the promotional offer but they say my card was approved a day later. However, consumers do not have any control over the approval, as a consumer I can only do my part to apply a new card within the specified promotional dates and satisfy all the conditions. The promotional email does not mention anything about the approval process, it was mentioned- I could have follow up to get it approved but again this is not something consumers have any control on. When I contacted with Goldman Sachs customers agents and supervisors, they all acknowledged that I applied the last day of the promo and they do not help at all even though I opened several cases with them. All of my inquiries got rejected. I attached the conversation with Goldman Sachs agents via Apple card text support for your reference. In this case, I kindly ask your help for resolution to receive $300 as indicated as part of the promo. Kind regards,

  Business Response

  Date: 03/07/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on February 22, 2025. ******** appreciates the opportunity to address the concerns raised by ***** **** (the Customer) related to an Apple Card Daily Cash promotion.
  
  ******** conducted an investigation and confirmed no bank error occurred. According to the Banks records, the Customer opened the Apple Card account and consented to the Apple Card Customer Agreement on September 4, 2024. On December 31, 2024, the Customer contacted the Bank to inquire about receiving the $300 in Daily Cash for spending $1500 Daily Cash promotion. In order to qualify for this promotion, the Customer must open a new Apple Card account between August 13, 2024 through September 3, 2024 and spend $1,500 on the new Apple Card account within 60 days of account opening would earn $300 Daily Cash. ******** investigated and denied providing the $300 because the account was opened outside of the promotion period.
  
  The Customer applied on September 3, 2024, which required an additional review as a result, the Customer was not approved until September 4, 2025. ******** re-investigated and as a courtesy because the Customer met the qualification of spending $1500 and as a courtesy applied a $300 credit the Customers account on March 5, 2025. ******** contacted the Customer on March 6, 2025 to address the concerns.
  
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:02/22/2025

  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 have been disputing a claim, with Goldman Sachs/the Apple Card, over the course of the past ten months. The dispute continuously resolves in the sellers favor despite the fact that I have, on multiple occasions, provided documentation from the Better Business Bureau suggesting, "...the website you ordered from appears to be an imposter of a business registered in **************".Depending on the credit bureau you reference, my credit score is around an 800 and I do not recall ever disputing any transaction on any of my credit/debit cards. I say that to further indicate that this is not something I do on a regular basis. Note that the 'Dispute Number' provided is for the latest appeal I just submitted. If necessary, I can try to locate the five or six other dispute numbers.

  Business Response

  Date: 03/04/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on February 22, 2025. ******** appreciates the opportunity to address the concerns raised by ******* Files (the Customer) related to a transaction dispute with the merchant *************** in the amount of $600.00.
  ******** conducted an investigation and confirmed an inadvertent processing error occurred. The Customer initially disputed the transaction on April *******, and re-opened the dispute on June 13, 2024, August 14, 2024, October *******, and December 30, 2024. The **** applied temporary credits while the disputes were investigated. Due to the processing error, the Bank resolved the disputes in favor of the merchant, as the submitted evidence was not thoroughly considered. As a result, the temporary credits that were applied to the Customers account were reversed on June 13, 2024, August 14, 2024, October 23, 2024, December *******, and February 22, 2025. ******** sent the Customer an email detailing each dispute outcome.
  The transaction dispute was re-opened on February 22, 2025, and the Bank applied a temporary credit while the dispute was investigated. Upon further review, the Bank concluded the evidence supports that the merchant did not sufficiently assist the Customer with the concerns. Additionally, the available evidence indicates the Customer abided by the merchants terms and conditions regarding protection for the items purchased. As a result, the temporary credit previously applied to the Customers account was made permanent on February *******. ******** sent the Customer an email detailing the 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: 03/06/2025

  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. Thank you for your assistance on the matter!
  
  Sincerely,
  
  ******* *****