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

  555 California St. San Francisco, CA 94104

• 

  Goldman Sachs & Co

  11605 Haynes Bridge Rd Alpharetta, GA 30004

• 

  Goldman Sachs 10,000 Small Businesses Program

  550 East Spring Street Columbus, OH 43215

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:02/21/2025

  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 disputing the account APPLE CARD/GS BANK USA (Account Number: **************) with a balance of $1,152.00** as I do not recognize it and suspect it may be linked to a data breach.Despite my efforts to obtain verification, I have not received sufficient proof that this account is legitimate. As a consumer, I have the right to demand proper documentation justifying its inclusion on my credit report.Under the Fair Credit Reporting Act (15 U.S.C. 1681g), I formally request copies of any documents used to verify this account. A generic response stating that it has been "verified" is not acceptable. I require tangible evidence, such as the original account application, signed agreement, or *******************, that confirm its legitimacy.If no such documentation exists, this account must be immediately removed under 15 U.S.C. 1681i(a)(5)(A)(i), which mandates the deletion of unverifiable information from consumer credit reports.This matter requires urgent attention, as it has already caused unnecessary stress and could have lasting consequences on my financial security. I expect a thorough review, prompt action, and a clear

  Business Response

  Date: 03/06/2025

  
  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 21, 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 confirmed 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 January 15, 2020. As stated in the Apple Card Customer Agreement, the Bank may report information about the account to the ************************** which includes but is not limited to Late Payments, Missed Payments, or other defaults on the account.
  
  The account was charged off on June 30, 2023, as a result of the Customer failing to make a payment to satisfy the minimum amount due by December 31, 2022. ******** successfully delivered Statement Available Reminders, Payment Due Reminders, Missed Payment Reminders, and Eligible for ************* Reporting reminders to the email address on file. The **** confirmed the account was reported accurately to the ************************** ******** is obligated to report accurately to ************************* and is unable to update the Customers credit reporting.
  
  ******** sent the Customer the requested documents on February 27, 2025, validating the Customer's debt including a copy of the Apple Card Customer Agreement and 41 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 $1,152.11 provided in the latest statement from July 2023. ******** 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 referenced concern related to an account with ****** and ************* The Customer should contact ****** and *********** directly for further assistance.
  
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:02/20/2025

  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 complaint is for Apple Card which is underwritten by Goldman Sachs. I paid the balance in full before the due date so there should be no interest charges. Their app has a wheel that shows how much interest you'll pay based on what payment you make.The app showed no interest in paid in full. I paid in full they are now arguing this is rolling interest. I've never heard of such on a credit card. My balance was $4534.15, I paid $4534.15 before the due date.

  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 21, 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 an inadvertent communication error occurred. To avoid being charged interest, customers must pay the monthly balance in full every month on or before the due date. If the monthly balance is not paid by the due date, interest begins to accrue. Interest is charged on the unpaid portion of the monthly balance and begins to accrue on new purchases until the monthly balance is paid in full. Any accrued interest will appear on the ********* next statement and in the wallet under latest Card transactions. When interest charges are assessed after the monthly balance is paid in full, it is because the Customer paid the prior monthly balance after the due date. Paying the monthly balance stops additional interest from accruing. However, since the Customer did not pay the November monthly balance in full, the account was assessed interest on the December balance for the days until the Customer paid the full monthly balance. The Customer paid the December monthly balance in full on January 31, 2025, as a result, the account was assessed interest on the balance until that date and the Bank charged interest in the amount of $74.60 on January 31, 2025. Any interest amount on the wallet app wheel is an estimate that is provided for illustrative purposes only. Interest charge estimates are based on the state of the account and the selected payment, and do not include pending transactions, credits from disputes, or other purchases made during the month. The actual interest charges will appear on the statement each month.
  
  On January 31, 2025, the Customer was misinformed no additional interest would be assessed. As a result of the communication error, the Bank backdated the January payments totaling $4, ****** to December 31, 2024. Interest was credited on March 4, 2025, totaling $77.73 which resulted in a credit balance refund. On the same day, the Bank contacted the Customer to address the concerns. ******** sent a credit balance refund in the amount of $77.73 to the ********* bank account on file on March 5, 2025, as requested by the Customer. The Customer should allow 2-3 business days for the refund to be received.
  
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:02/20/2025

  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.

  Dispute inaccurate items on my credit report ******* USAAccount number: **************** Balance: $ ******************************************************************************************** accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

  Business Response

  Date: 03/06/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the ************************************** (CFPB) Complaint Portal on February 21, 2025. ******** appreciates the opportunity to address the concerns raised by **** ****** (the Customer) related to an Apple Card opened without authorization.
  ******** conducted an investigation and confirmed no Bank error occurred. Based on the Banks investigation, the Bank determined the Customer is liable for the account. According to the Banks records, the Customer opened an Apple Card and consented to the Apple Card Customer Agreement on December 28, 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 December 31, 2022, 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 on file. The **** confirmed the account was reported accurately to the ************************** ******** is obligated to report accurately to ************************* and is unable to update the Customers credit reporting.
  ******** previously sent the requested documents on May 28, 2024, validating the Customer's debt. ******** sent the Customer the requested documents on February 28, 2025, validating the Customer's debt including a copy of the Apple Card Customer Agreement and 19 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 $2,702.55, provided in the latest statement from May 1, 2022. 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:02/20/2025

  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.

  Dear ************************************,I am writing to file a formal complaint regarding the mishandling of my dispute process by Apple Card and Goldman Sachs, stemming from a distressing experience I encountered with *****************. I was charged for services that were never rendered, and highlights the failures of Apple Card and Goldman Sachs in resolving this matter satisfactorily. Disputed Charge and Misrepresentation On November 25, 2022, I purchased a ***************** ****** subscription for $799, relying on promotional claims that indicated various travel arrangements would be available for my use. However, when the subscription was supposed to commence on May 3, 2023, it became evident that no services were provided. I have come to realize that this deal is, in fact, too good to be true, as I experienced a multitude of issues before any service could be provided.I have also encountered significant difficulties in reaching customer service representatives to discuss the program and clarify my questions. Deceptive marketing , hidden fees and NO costumer service . An extensive search revealed numerous customer complaints regarding similar issuesnamely, misleading information and an inability to connect with support staff.Inability to Access Services:I attempted to cancel my ***************** subscription due to a lack of service but faced obstacles, including a malfunctioning website and unresponsive customer support. I struggled to reach a live representative, making it exceedingly difficult to resolve my ********* full disclosure from Apple Card:I submitted a dispute letter to Apple Card on April 7, 2023, but have not received confirmation or a proper investigation report. Their failure to respond within the required timeframe should entitle me to a resolution in my favor. Additionally, my requests for evidence related to my dispute have been met with vague refusals, undermining my consumer rights.

  Business Response

  Date: 03/06/2025

  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 20, 2025. The Bank appreciates the opportunity to address the concerns raised by **** ******* (the Customer) related to a transaction dispute with the ************************** in the amount of $799.00.
  The account is currently under review. The Bank requires additional time to complete the investigation. The Bank will send the Customer a communication with the outcome once the review is completed. The Customer should contact the Bank directly with any questions at ************** or by message from the Wallet app. Bank representatives are available 24 hours a day, 7 days a week.
  Based on the above details, the Bank kindly requests for this complaint to be close

• Initial Complaint

  Date:02/20/2025

  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.

  Did not receive tax form for my two savings accounts...

  Business Response

  Date: 03/04/2025

  BBB Response Grim
  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 February 28, 2025. The Bank appreciates the opportunity to address the concerns raised by ***** **** (the "Customer) related to their ******** for their ************** Account (OSA)
  In January 2025, the Bank sent an email to the Customer informing them that the Customers 1099 forms were available on the Customers profile at **********. Additionally, the Bank mailed physical copies of 1099 forms to the Customers address on file.
  On January 31, 2025, the Bank received a notification that the Customer did not receive their ********. On February 20, 2025, the Bank mailed a re-print of the Customers ******** to their address on file. Separately, the requested documentation is still available to the Customer through their online profile at ********** to access at their convenience.  
  Based on the above details, the Bank kindly requests this complaint to be closed.

  Customer Answer

  Date: 03/11/2025

  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,
  
  ***** ****
  
  
  
   
  
  

• Initial Complaint

  Date:02/20/2025

  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 am filing this complaint against Goldman Sachs, the issuer of Apple Card, regarding an unresolved dispute over unauthorized charges related to a "Do Not Pay" subscription billed to my Apple Card. The charges in question were made while my "Donot Pay" subscription was locked, preventing me from accessing my account to cancel the subscription. Despite this, I was repeatedly billed for a service I could not access or manage. I disputed seven charges of $36.00 each through Apple Card. Goldman Sachs acknowledged the issue and credited only two of the seven charges, yet the remaining five charges were not refunded. The same logic that justified the reversal of the two charges should apply to the rest. Key Points of My Dispute: - My "DonotPay" account was locked, preventing me from canceling the subscription. - Goldman Sachs credited only 2 out of 7 charges, despite all charges being under the same circumstances. - I provided evidence, including screenshots of my locked "Donotpay" account, yet ********************** has not resolved the dispute fairly. Desired Resolution: 1. Immediate refund of the remaining five (5) disputed charges of $36.00 each. 2. Assurance that similar disputes in the future are handled with consistency and fairness. This issue has caused unnecessary financial strain, and I believe that Goldman Sachs has failed to fairly apply its own dispute resolution process. I am requesting that BBB review this matter and help facilitate a resolution. Thank you for your time and assistance.

  Business Response

  Date: 03/04/2025

  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 20, 2025. The Bank appreciates the opportunity to address the concerns raised by ******* ******** (the Customer) related to seven transaction disputes in the amount of $36.00 each with the merchant ******************************** conducted an investigation and confirmed no Bank error occurred. The Customer disputed the seven transactions on September 7, 2024, and November 17, 2024. The **** applied temporary credits while the disputes were investigated. The Bank resolved two of the disputes in favor of the Customer because the merchant accepted the chargeback. As a result, the two temporary credits that were applied to the Customers account were made permanent on October 27, 2024. The Bank sent the Customer emails detailing the dispute outcomes. The remaining five disputes were resolved in the favor of the merchant because the evidence provided did not confirm that the Customer cancelled the membership in accordance with the merchants Terms and Conditions. As a result, the temporary credits that were applied to the Customers account were reversed on November 13, 2024, November 27, 2024, and December 29, 2024. The Bank sent the Customer emails detailing the dispute outcomes.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:02/20/2025

  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.

  First of all, before triggering the BBB, which is a precursor that precedes the court in the last instance, I made contact through the 3 largest credit bureaus informing exactly what will be treated in this but without return and solution. The Apple card (by Goldman) went into a state of late payments, due to health issues, long-term hospitalization, treatment and removal from work functions. The reason that the same occurred was due to long-term hospitalization, which cannot afford the payments imposed by the contract and subsequent indefinite leave from work functions. After being discharged and after improving medical treatment, I myself sought the aforementioned company ********* , to remedy and be up to date with all pending issues, an agreement was made by both parties that the residual amount to be paid in full , payment is made in cash with the condition of being removed from the credit agencies all information regarding late payments , in this way I agreed and make the payment and my part of the agreement. However, the payment was verified and reported, but the part of the agreement regarding the exclusion of bad information, such as delays , was not complied with. I conclude through BBB, the almost exhaustion of an amicable solution, because I do not want to receive for damages at a higher level, but only that the agreement of the parties is fulfilled. Note: all hospital, work and agreement documents were analyzed by the contractor before the payment and effectiveness of the agreement Through this I request compliance by the Apple Card, and removal of the information with the credit bureaus

  Business Response

  Date: 03/06/2025

  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 20, 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 the Apple Card account and consented to the Apple Card Customer Agreement on June 30, 2023. 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, 2024, as a result of the Customer failing to make a payment to satisfy the minimum amount due by August 31, 2023.******** sent Statement Available Reminders and Payment Due Reminders to the email address on file. The Customer contacted the Bank on June 10, 2024, and arranged to pay $227.20 from June 10, 2024, to October 10, 2024. The Customer paid the balance in full on July 3, 2024, and is being reported accurately as a paid charge off.
  ******** conducted a review of interactions and was unable to locate any record of a Bank representative advising the Customer the credit report would be deleted. The **** confirmed the account was reported accurately to the Credit Reporting Agencies 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:02/19/2025

  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 has caused me significant concern, as they could be negatively impacting my credit standing and overall financial well-being.Despite my efforts to obtain clarity and verification, I have not received sufficient proof that these accounts are legitimate. This lack of transparency is alarming, and I believe it is my right as a consumer to demand proper documentation that justifies their inclusion on my credit report.The accounts in question are as follows:Name of Unverified Item: *********** Account Number: **************** Reporting Balance: $3,009.00 ?As per my rights 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 evidencesuch 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 lasting consequences on my financial security. I expect prompt 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: 03/05/2025

  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 19, 2025. ******** appreciates the opportunity to address the concerns raised by ***** ***** (the Customer) related to an Apple Card account opened without authorization.
  
  ******** conducted an investigation and confirmed no Bank error occurred. Based on the Banks investigation, the Bank determined the Customer is liable for the account. ******** is unable to provide additional information related to the investigation. According to the Banks records, the Customer opened the account on April 20, 2021. During the application process, the Customer is provided with and must consent to the Apple Card Customer Agreement, which discloses that the Customer agrees that the Bank may report information to the ************************* regarding the account, 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 has been charged off as of August 31, 2022, as a result of the Customer failing to make a payment to satisfy the minimum amount due by February 28, 2022. ******** 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 report.
  
  According to the Banks records, no previous requests were received for debt validation. ******** sent the Customer the requested documents on March *******, validating the Customer's debt including a copy of the Apple Card Customer Agreement and the full statement history showing records of transactions and payments to validate the balance and the debt owed. The Customer is responsible for the balance on the account in the amount of $3,009.00 provided in the latest statement from August 2022. ******** 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.
  
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:02/18/2025

  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 need help with the Apple Card, issued by Goldman Sachs. The ******* issued me an adverse credit report for non-payment of very small re-occurring charges. The bank had my correct bank information. I had instructed that the card be linked to my bank. But it didn't happen; and, three months went by before I noticed Experience alerts. My credit score plummeted from well over 830 to about 730. I wrote Goldman Sachs Apple Card. I called. Nothing happened. I have been on this since last fall. Now, I am hindered in getting the best rates on mortages, car loans..the works. I am a University teacher and former *************** Officer. Near retirement. It's a serious matter and I have no idea who I might write. I feel sure we have run into each other at meetings, but, in all events, I feel I know you a bit from your written work. And,in sum, I hope you might know whom I could write or where I could turn. Thanks so much. ***** ******, Cell ************. Email, **********************

  Business Response

  Date: 03/04/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to the Apple Card via the ************************************** (****) Complaint Portal on February 19, 2025). The Bank appreciates the opportunity to address the concerns raised by ***** ****** (the Customer) related to payments made on 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 13, 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 Customer did not make a payment to satisfy at least the minimum amount due by June 30, 2024, until October 10, 2024. The Bank successfully delivered Statement Available Reminders, Payment Due Reminders, Missed Payment Reminders, and Eligible for ************* Reporting reminders to the email address on file. Additionally, the **** has no record of the Customer having scheduled payments set up prior to October 10, 2024. The Bank has no record of the Customer scheduling a one-time payment or contact by the Customer during this time. As a result, the Bank reported the account past due to the **************************** 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.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:02/18/2025

  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.

  On 2/6/2025, I made a payment on my ***** Card account. Ive made plenty since having the account and numerous payments have been +$1000. I use the card to pay for most everything. Regardless of how many thousands the payments have been, *** always had the account balance available reflect the amount paid immediately. Except for this time. The payment was accepted by ***** and shown to have gone through by my bank. IE, no longer pending status. I confirmed with my bank that the funds had been through and settled to *****. I reached out to ***** tonight asking why my funds were not available yet. I was told that it was due to the amount paid, and if I used Apple Cash, the funds would have been made available immediately. I argued that Ive paid large amounts in the past with no issue, and waiting nearly a week after the funds were taken is -not- acceptable. I was told that, upon review, my funds would be available by end of business on the 14th, which is Friday. I checked my Apple Card and looked at the payment, which said that funds would be available by the end of business on the 13th, which is today. I pointed out this inconsistency and asked for them to release my funds. I was told they couldnt do that. I asked to speak to the manager and the person who could, because I know that there is in-fact someone who can release the funds. While I was sent to the manager, they also claimed they could not help me, and also gave me the new updated release time. I checked the ***** app again and saw that it had not changed, stating the funds would be available by end of day today, contrary to what the manager stated. I asked to speak to their supervisor due to this inconsistency and unacceptable week long wait, but was told there wasnt anyone else and the credits would release when she said. This is unacceptable, *****. Holding peoples money hostage for a week is wrong, and I sincerely hope others read this and scoff at the responses I got. Release my money.

  Business Response

  Date: 02/17/2025

  ******** *** ****
  
  ****** ******** ******
  ****************************
  ******************
  
  *** **** ** ********
  
  Dear Better Business Bureau:
  
  Thank you for your recent correspondence regarding the above-referenced case number.
  
  It appears the aforementioned complaint relates to Apple Card, a service that is offered and operated by Goldman Sachs Bank, and not Apple.

  Please direct your inquiry to Goldman Sachs Bank at ************; or writing to Goldman Sachs at ******* ***** **** ************************** *********** 
  
  

  Sincerely,
  
  Apple
  

  
  

  Business Response

  Date: 03/03/2025

  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 18, 2025. The Bank appreciates the opportunity to address the concerns raised by **** ****** (the Customer) related to payments made on the ****************************** conducted an investigation and confirmed no Bank error occurred. Payments are applied to the outstanding balance on the business day the payment is received, and interest does not accrue for the payment amount. The amount of time it takes for payments made from a bank account to reflect in the available credit can vary based on the payment amount and account history. The Customer should continue making payments on time, and over time, faster updates should be experienced. The Apple Card Customer Agreement states after receiving a payment, the Bank can immediately increase the available credit, or delay increasing the available credit on the account for a period of time. The Customer can check the status of the available credit by going to the Apple Wallet, online at **************, or by contacting the Bank. The Customers payment in the amount of $9,163.45 made on February 7, 2025, was released and reflects in available credit as of February 14, 2025. The Bank conducted a review of interactions and was unable to locate any record of misinformation provided by a Bank representative. The Bank attempted to contact the Customer on February 19, 2025, but was unsuccessful.
  
  Based on the above details, the Bank kindly requests for this complaint to be closed.