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 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

• 

  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:02/17/2025

  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 responsible for the debt alleged by *********************. There is no agreement between me and *********************, and they have not provided the original contract as requested.

  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 17, 2025. ******** appreciates the opportunity to address the concerns raised by ******* ********* (the Customer) related to validation of the debt owed for the ************************** conducted an investigation and confirmed no Bank errors occurred. According to the Banks records, the Customer opened an Apple Card and consented to the Apple Card Customer Agreement on May 6, 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. ******** successfully delivered Statement Available Reminders, Payment Due Reminders, Missed Payment Reminders, and Eligible for ************* Reporting reminders to the email address on file.
  The account was charged off on October 31, 2021, as a result of the Customer failing to make a payment to satisfy the minimum amount due by April 30, 2021. 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 documents on February 20, 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 $5,315.97 provided in the latest statement from October 31, 2021. ******** 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:02/16/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  After reviewing my reports with Experian, *********** and Equifax, I noticed an account that was reporting negative information from *******/*****. To my knowledge, there are laws that say they are supposed to notify me before placing negative information on my consumer report yet I have never been notified about any debts from this company. For this reason, I believe that this account is inaccurate and unverifiable, and I am requesting the following.Please provide me with the following information for the above-referenced account:1. Original Creditor 2. Debt Collector (if applicable)3. Company Contacted 4. Company Phone Number 5. Date of Contact 6. Time of Contact 7. Representative's Name 8. Representative's ID 9. Date Opened 10. Date Closed 11. Date account sold (if *************. Date Charged-Off 13. Date of First Delinquency 14. Date of Last Payment 15. Balance Please provide me with this information within the timeframe allow by the **** for my records in order to prevent any harm of my credit worthiness. If this cannot be provided, then I expect the account to be deleted and compliance with federal laws and regulations.Sincerely,**** *******

  Business Response

  Date: 03/03/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the ************************ (BBB) Complaint Portal on February 17, 2025. ******** appreciates the opportunity to address the concerns raised by **** ******* (the Customer) related to credit reporting for the ************************** conducted an investigation and confirmed no Bank error occurred. According to the Banks records, the Customer opened an Apple Card and consented to the Apple Card Customer Agreement and agreed to receive statements electronically when the offer was accepted on November 29, 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, 2024, as a result of the Customer failing to make a payment to satisfy the minimum payment due by July 31, 2023. ******** 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 19, 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. ******** is unable to provide additional information. ******** is the original creditor and is not a debt collector. ******** has not sold the debt. The Customer is responsible for the balance on the account in the amount of $1,142.00 provided in the latest statement from January 31, 2024. ******** will cease all collection communication with the Customer except those legally required or requested by the Customer.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:02/14/2025

  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.

  Two years ago I bought an Apple phone and used my Apple Card from Goldman Sachs, which finances Apple cards through their bank. However, the first phone I bought came with a manufacturing defect. I reported this to ***** and took it to the Burlington store to see if they could repair or exchange my phone. That's when my nightmare began. One of the employees at the store where I went to exchange my phone said that they didn't have any phones of the same model as mine to exchange at that time. That's when they offered me another phone with two cameras, a lower level than the one I had bought. So, since they didn't give me any other alternative, I accepted the exchange. That's when I returned the first phone, which was defective, to them and picked up another one that same day at the store. A few days later, I didn't like the model of the phone they gave me. So, a few days after the exchange, I decided to return the second phone directly to the same Apple store in **********. However, The Apple Store never told Goldman Sachs that I had returned the two phones I bought with their card to the store. Almost two years after the purchase I made with my Apple card, Goldman Sachs is now charging me for one of the phones I returned to the store, even though I have sent them the store return receipts, and spoken to several of their managers and supervisors, who I have nothing to do with the phones anymore because both were returned to the Apple Store in **********. I have twice filed a dispute on my card for them to withdraw the amount of one of the phones they were charging me for, and I do not owe them anything for that. However, this is the third time I have filed a dispute on my card over this unfair charge from them, and I even said that this would be the last time I would bother with this unfair charge on their part. The next time I will resolve this in court. And I will file a lawsuit against them. Because they are acting like idiots regarding my case. Because I have a

  Business Response

  Date: 02/28/2025

  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 15, 2025. ******** appreciates the opportunity ******** conducted an investigation and confirmed no bank error occurred.
  According to the Banks records on September 20, 2023, the Customer made a purchase on ********* in the amount of $1,099.00. The Customer did not use Apple Card Monthly Installments (ACMI) for this purchase. As a result, the device amount was applied to the account as a standard transaction subject to the variable APR assigned to the Apple Card. The Customer contacted the Bank on September 22, 2023, and requested to convert the amount of $1,099.00 to Apple Card Monthly Installments.
  The Customer received 2 credits from the merchant Apple in the amounts of $143.81, and $955.19, on October 2, 2023, and October 6, 2023. Because the initial transaction was posted to the revolving line that can accrue interest before it was manually converted by the Bank to an Apple Card Monthly Installment, the 2 refunds posted to the Customers revolving line. This put the Customers revolving line into a credit balance. 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 Credit balance paid other transactions and the Customers monthly Installment balance until being exhausted in January 2025.
  The Customer initially disputed the transaction on October 1, 2024, December 19, 2024, and February 6, 2025. ******** applied a temporary credit while the dispute was investigated. Based on the investigation and a review of the evidence provided, the Bank resolved the dispute in favor of the merchant because the Customer retuned the iPhone in the amount of $1,099.00 on October 3, 2023, and a gift card was issued which was used towards the purchase of a new iPhone in the amount of $955.19. As a result, the merchant credited the difference in the amount of $143.81 on October 3, 2023. Per the Customers evidence the 2nd phone was returned on October 6, 2023, as a result a credit posted to the account in the amount of $955.19 on October 7, 2023. ******** contacted the merchant on February 14, 2025, and confirmed the initial transaction was an exchange. As a result, the temporary credit that was applied to the Customers account was reversed on December 18, 2024, February 6, 2025, and February 21, 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.

• Initial Complaint

  Date:02/14/2025

  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 APPLE CARD/GS BANK USAAccount number 1***********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: 02/28/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the ************************ (BBB) Complaint Portal on February 14, 2025. ******** appreciates the opportunity to address the concerns raised by **** ****** *** (the Customer) related to credit reporting for the ************************** conducted an investigation and confirmed no Bank error occurred. According to the Banks records, the Customer opened an Apple Card and consented to the Apple Card Customer Agreement on August 08, 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.
  ******** confirmed the account was reported accurately to the **************************** However, during the investigation the Bank confirmed ********** and Experian, were not reporting the tradeline for the Apple Card. ******** submitted a request to ********** and Experian 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 ************************** ******** is unable to provide the Customer with compensation.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:02/10/2025

  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 file a complaint against *********** regarding a fraudulent account that has been reported on my credit file. I recently reviewed my credit report and discovered an account that I did not open or authorize. This has significantly impacted my financial standing, and despite my efforts, this issue remains unresolved.The fraudulent account details are as follows:Creditor: *********** Account Open Date: 01/02/2024 Account Number: ****************Higher Credit Limit: $20,553 I am a victim of identity theft and have already filed a complaint with ***************** regarding this matter. I have also reported this issue to the credit bureaus and requested an investigation into this fraudulent account.

  Business Response

  Date: 02/24/2025

  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 10, 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. The **** confirmed the account was reported accurately to the ************************** According to the Banks records, the Customer opened an Apple Card and consented to the Apple Card Customer Agreement on January 02, 2024. 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 payment amount due by August 31, 2024. ******** confirmed the Customer had attempted a payment of $8,484.50 on August 26, 2024, $8,629.47 on September 02, 2024,$1,200.00 on October 25, 2024, $1,200.00 on November 03, 2024, $6,999.21 on November 04, 2024 and $10,916.21 on November 15, 2024; however, all attempted payments were returned. As a result, the Bank reported the account past due to the **************************
  Based on the Banks investigation, the Bank determined the Customer is liable for the account. ******** identified red flags related to the account and closed the account in accordance with the Apple Card Customer Agreement. The Customer is responsible for the balance on the account in the amount of $20,908.13 provided in the latest statement from January 31, 2025. ******** 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:02/08/2025

  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 dispute an account listed on my credit report associated with Goldman Sachs Bank USA dated January 8, 2018 (Account Number: **************. I am a victim of identity theft, and this account was fraudulently opened without my knowledge or authorization.I have filed an official complaint with ***************** regarding this matter and have enclosed copies of the filed report along with this letter for your reference.I kindly request that the BBB investigate this fraudulent account and take the necessary steps to rectify the situation. I would appreciate a confirmation of receipt of this dispute and an update on the progress of the investigation.Please find enclosed:A copy of my ***************** report.A copy of my credit report highlighting the unauthorized account.A copy of my government-issued ID for identity verification.Thank you for your prompt attention to this matter.

  Business Response

  Date: 02/13/2025

  Goldman Sachs Bank USA (the Bank), received the above referenced complaint via Better Business Bureau on 2/8/2025. As of 12/23/2024 personal loan enquiries are no longer serviced by Goldman Sachs Bank ***. We would ask this complaint be closed and concerns directed to Systems and *************************** They can be reached by phone at **************.

• Initial Complaint

  Date:02/03/2025

  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.

  After recently reviewing my credit report from your company, I noticed several inaccuracies that need to be addressed. The accounts in question are listed below:?Company Name: *********** Account #: **************** Balance: $1,131.00 Under the Fair Credit Reporting Act (15 U.S.C. 1681g), I am formally requesting copies of all documents in your records that were used to verify the accuracy of these accounts. Please provide these documents in your response to this letter.I respectfully ask that you do not reply with a generic statement claiming the accounts have been verified. Instead, I expect to receive the actual records supporting this verification. If no such documentation exists, these disputed accounts should be removed from my credit report immediately, as required under Section 611(a)(5)(A)(i) of the FCRA.Including unverified or inaccurate information on my credit reportand continuing to share it with third partiesunfairly damages both my credit standing and my reputation. I ask that you take this matter seriously and resolve it as soon as possible.

  Business Response

  Date: 02/18/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on February 04, 2025. ******** appreciates the opportunity to address the concerns raised by ******* ******* (the Customer)related to credit reporting for the ************************ conducted an investigation and confirmed no Bank error occurred. Based on the Banks investigation, the Bank determined the Customer is liable for the account. According to the Banks records, the Customer opened an Apple Card and consented to the Apple Card Customer Agreement on August 24, 2021. As stated in the Apple Card Customer Agreement, the Bank may report information about the account to the ************************** which includes but is not limited to Late Payments, Missed Payments, or other defaults on the account.
  ******** confirmed the account was reported accurately to the ************************** ******** is unable to provide the Customer with signed documents as the Customer electronically consented to the Apple Card Customer Agreement by completing the application and opening the account. ******** confirmed the account was closed and charged off as of April 30, 2023, as a result of the Customer failing to make a payment to satisfy the minimum amount due by October 31, 2022. ******** successfully delivered Statement Available Reminders,Payment Due Reminders, Missed Payment Reminders, and Eligible for ************* Reporting reminders to the email address on file.
  ******** sent the Customer the requested documents on February 17, 2025 validating the Customer's debt including a copy of the Apple Card Customer Agreement and seven 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 $1,131.71 provided in the latest statement from April 30, 2023. ******** 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:02/02/2025

  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 been charge an interest charges and I make payment in full in January 31 before 12 AM and I talk to agent in the phone she said that to me, theyre not gonna be charging me an interest she said ignore the messages

  Business Response

  Date: 02/14/2025

  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 3, 2025. The Bank appreciates the opportunity to address the concerns raised by **** **** (the Customer) related to interest assessed on an Apple Card account.
  
  The Bank conducted an investigation and confirmed no Bank error occurred. The Bank conducted a review of interactions and was unable to locate any record of misinformation provided by a Bank representative. 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 Customers 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 months 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 November 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 $90.18 on January 31, 2025. The Bank has no record of the Customer being advised they would not be assessed interest.
  
  Based on the above details, the Bank kindly requests for this complaint to be closed.
  
  

  Customer Answer

  Date: 02/17/2025

  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:02/02/2025

  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 filed a complaint with her company about weight loss medication. Once I decided to cancel the subscription, the company said thru would cancel the subscription, but turned around and shipped the product, which I have opened. HERS is refusing to accept a return, because its compounded medication. I got in touch with Apple Pay, which is through Goldman Sachs. I have been dealing with a virtual chat the entire time and have sent them Numerous documentation reflecting that the whole company has closed the account and that they issued a refund. Goldman Sachs has a temporary credit on my account while they investigate it, which is going to take 90 days. I have sent them documentation showing that I no longer have a subscription. The company has closed the subscription and issued a refund, but Goldman Sachs is refusing to remove the temporary Credit from my account because I believe theyre trying to make me pay this amount which is $1900.

  Business Response

  Date: 02/14/2025

  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 02, 2025. The Bank appreciates the opportunity to address the concerns raised by ***** ******* (the Customer) related to a transaction dispute with the merchant Hims & Hers Health in the amount of $1,980.00.
  The Bank conducted an investigation and confirmed no Bank error occurred. The Customer initially disputed the transaction on January 04, 2025. The Bank applied a temporary credit while the dispute was investigated. The dispute with the merchant Hims & Hers Health remains under investigation, and the Bank expects completion within 2 full billing-cycles from the date of receipt and no later than 90 days from date of receipt. During the investigation, the account does not incur interest for the amount in dispute and the Customer is not responsible for repayment. The Bank has confirmed the merchant Hims & Hers Health has not issued a return credit for the purchase as of yet. 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, ****************************** ***** **** ***************************************************************. The Customer should label all evidence with the case number and avoid sending original documents.
  Based on the above details, the Bank kindly requests for this complaint to be closed.
  
  

  Customer Answer

  Date: 02/19/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  [Your Answer Here]

  The HERS Company is trying to make me pay for their product, after contacting this company to cancel the subscription. I appealed the cancellation  with Apple Card. A lengthy text between ***** and I is available for review. This started on the 4th requesting cancellation. The HERS Company shipped the products on the 7th I called and was hold by a virtual assistant the they do take returns  I still have the product unopened and I would like to return the product  this company forces the consumer to have subscriptions that they dont want. 

   

   

   

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

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

  Customer Answer

  Date: 02/19/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  [Your Answer Here]

  The HERS Company is trying to make me pay for their product, after contacting this company to cancel the subscription. I appealed the cancellation  with Apple Card. A lengthy text between ***** and I is available for review. This started on the 4th requesting cancellation. The HERS Company shipped the products on the 7th I called and was hold by a virtual assistant the they do take returns  I still have the product unopened and I would like to return the product  this company forces the consumer to have subscriptions that they dont want. 

   

   

   

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

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

  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 28, 2025. ******** appreciates the opportunity to address the concerns raised by ***** ******* (the Customer) related to a transaction dispute with the merchant Hims & Hers Health in the amount of $1,980.00.
  ******** conducted an investigation and confirmed an inadvertent processing error occurred. The Customer initially disputed the transaction on January 04, 2025. ******** applied a temporary credit while the dispute was investigated. Due to a processing error, the initial dispute was resolved incorrectly in the merchants favor. As a result, the temporary credit was reversed on March 03, 2025. ******** sent the Customer an email detailing the dispute outcome.
  The dispute was re-opened on March 03, 2025 and the Bank applied a temporary credit while the dispute was re-investigated. The dispute was ruled in the Customers favor because additional review of the Customers evidence shows the Customer had cancelled the subscription within the full refund timeframe. As a result, the temporary credit that was applied to the Customers account was made permanent on March 10, 2025. ******** 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.

• Initial Complaint

  Date:02/01/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a notification on my credit file showing a fraudulent account reporting with apple card gs bank last 4 digits of the acct# ****.. I disputed this fraudulent account with the credit bureaus, attached a *** identity theft report, and police report showing that Im a victim of identity theft. The credit bureaus informed me that they sent the dispute with the documents to this company over 4 months ago. For some reason this company has reported this fraudulent account back to my credit file in January. I called and spoke to the fraud **** on today 2-1-2025 who said that they marked this acct as fraud, but they dont know why the **** is reporting to my credit file AGAIN. They said that the **** was taken out of my name and Im not responsible for this acct. If that is accurate why is this company reporting this fraudulent account back to my credit file as if is is a VALID account? I have no knowledge of this account nor any involvement with apple card gs bank. I have neither engaged in business transactions with them nor entered into any agreements. Hence, it is unjustified for them 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 *****. Im attaching my current *** identity theft report to this complaint.

  Business Response

  Date: 02/14/2025

  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 February 2, 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 an investigation and confirmed no error occurred. Based on the Banks investigation, the Bank determined the Customer is liable for the account. 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.
  The Bank confirmed the account was reported accurately to the ************************** The Customer has not made a payment to satisfy at least the minimum amount due by December 31, 2024. As a result, the account was reported past due to the ************************** The Bank is obligated to report accurately to ************************* and is unable to update the Customers credit reporting. The Customer is liable for the remaining balance on the account in the amount of $10.65.
  Additionally, the Bank conducted a review of interactions and was unable to locate any record of misinformation provided by a Bank representative.
  Based on the above details, the Bank kindly requests for this complaint to be closed.
  
  

  Customer Answer

  Date: 02/17/2025

  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:

  [Your Answer Here]

  I NEVER made a payment on this fraud acct which is a LIE by this bank. I never authorized, applied, nor consented for this acct to be opened in my name. I sent police report and *** identity theft report through the credit bureaus which a supervisor confirmed they received 2 weeks ago. I was told by a supervisor that this acct is closed and was taken out of my name due to it being a fraud acct.  

   

   

   

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

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

  Business Response

  Date: 03/10/2025

  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 February 28, 2025. ******** appreciates the opportunity to address the concerns raised by ****** ***** (the Customer) related to an Apple Card opened without authorization.
  As stated in the Banks previous response, the Bank conducted an investigation and confirmed no error occurred. Based on the Banks investigation, the Bank determined the Customer is liable for the account. ******** is unable to provide additional information related to the investigation. 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.
  ******** conducted a review of interactions and was unable to locate any record of misinformation provided by a Bank representative, and the Bank is unable to locate an interaction in which a Bank representative advised the Customer that the account would be removed from their credit reporting. The Customer is liable for the remaining balance on the account in the amount of $10.65.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

  Customer Answer

  Date: 03/14/2025

  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:

  [Your Answer Here]

  This is a fraud account and the account don't belong to me. 

   

   

   

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

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