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:01/02/2025

  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 attempted to use my apple card to pay at IQ nail salon on 8/16/24 but the card kept circling, so the clerk canceled and reran it on my ***** card. There was a difference in the amount because the ***** card had the tip on it. The apple card was charged even without a signature. I called them as soon as I seen the charge and provided my ***** statement showing the charge and a picture of a text trail with the salons manager. And they denied this 3 times. This is after speaking numerous times with their customer service agreeing with the dispute as a duplicate. The last call I made 12/26/24 I requested all documentation of the denies and yet to receive any.

  Customer Answer

  Date: 01/10/2025

  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:12/26/2024

  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 hope this email finds you well. I am writing to respectfully request a re-investigation of my dispute regarding the transaction with Best Buy (Case **********). I appreciate the previous investigation but believe there is substantial evidence supporting my claim that the producta MacBook Prowas never received.Key Points of Evidence 1.Admitted Warehouse Error by Best Buy:The attached email from Best Buys Executive Resolution Specialist, *********, confirms that the MacBook Pro was not included in the box due to a packaging error at their warehouse ? ?.************ Confirmation:FedEx acknowledges delivery of the package but specifies that it contained no item. Their note states a logistical error occurred with the merchant during the shipment process ?.****** *************************************** Care Agent confirmed the error during a live chat and submitted a refund request, assuring me the issue would be resolved ?.4.Terms and Conditions Compliance:Best Buys own Terms and Conditions (attached) clearly state that customers are eligible for a full refund or replacement if a product is not delivered or is damaged. An empty box qualifies under this policy ?.I have e-mailed all supporting documents, including these attachments, multiple times but never received confirmation of receipt.Under federal banking laws, specifically Regulation E, which governs the investigation of disputed transactions, financial institutions must thoroughly review evidence from the cardholder and the merchant. Given the attached evidence, I respectfully ask for another review, as the case clearly falls under a Service Not Received category.I have always valued being an Apple Card member and appreciated the high level of service your team provides. Please reconsider this decision with the full context of the evidence attached. I believe this is a valid claim, and I would greatly appreciate your compassion and support in resolving this matter

  Business Response

  Date: 01/07/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on December 26, 2024. ******** appreciates the opportunity to address the concerns raised by ******* ******** (the Customer) related to a transaction dispute with the merchant Best Buy in the amount of $2,648.94.
  
  ******** conducted an investigation and confirmed an inadvertent processing error occurred. The Customer initially disputed the transaction on August ******, and October 17, 2024. The **** applied temporary credits while the disputes were investigated. Due to a processing error, the initial disputes were resolved incorrectly in the merchants favor. As a result, the temporary credits were reversed on October 17, 2024, and December 24, 2024. ******** sent the Customer emails detailing the dispute outcomes.
  
  The dispute was reopened on January 2, 2025, and the Bank applied a temporary credit while the dispute was re-investigated. The dispute was ruled in the Customers favor because the Customer provided valid evidence confirming there was an error with the shipment and a refund is due to the Customer. As a result, the temporary credit that was applied to the Customers account was made permanent on January 2, 2024. ******** 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: 01/08/2025

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

  Customer Answer

  Date: 01/10/2025

  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. They resolved it. You can close this. 
  
  Sincerely,
  
  ******* ********
  
  
  
   
  
  

• Initial Complaint

  Date:12/26/2024

  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 December 23rd, 2024 with a credit score of 740 and good standing, I applied for the Apple Card and immediately got denied after previously being approved prior but wasnt not yet ready. I got and email that I had applied too many times which I wasnt not provided what the limit of times in a period of time was. This is misleading and discouraging and is Goldman Sachs can not fix this issue the no wonder they have a failing partnership with *****. The y should update application terms. Had I been aware of this, things would have went a lot smoother. Hopefully someone will contact me with a solution and this will be take n care of immediately!

  Business Response

  Date: 01/08/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on December 26, 2024. The Bank appreciates the opportunity to address the concerns raised by ****** ****** (the Customer) related to a declined application for ****************************** conducted an investigation and confirmed no Bank error occurred. According to the *************, the Consumer submitted the most recent application on December 18, 2024. The Bank approved the application and presented an offer detailing the credit limit and Variable Annual Percentage Rate including the Apple Card Customer Agreement. The Customer rejected the offer and did not open the account. When a consumer submits an application, the Bank evaluates multiple factors, including the consumers credit score, credit report (including current debt obligations), and the income reported on the application when reviewing the Apple Card application. For security purposes, the Bank only allows a certain number of applications to be submitted by the Consumer within a 30-day period. The Bank recommends the Consumer reapply again 30 days after the last attempted application.
  
  Based on the above details, the Bank kindly requests for this complaint to be closed.

  Customer Answer

  Date: 01/22/2025

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

  
  

  As of the 17th day of January 2025, the 30th day since the day I was told to wait to reapply in 30 days repeatedly, I’m still getting the same error message that I got before. I will try one more time at 12:01am mountain time (1:01am central time my time) on tomorrow, January 18, 2025, which will be the 31st day since December 18, 2024. Assuming Goldman Sachs goes by Mountain time being located in Salt Lake City, Utah. If I’m still getting the same error message in 20 hours then obviously something needs to be done on their end to resolve the issue. In the meantime, please reopen my case ********.

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

  Business Response

  Date: 01/31/2025

  Goldman Sachs Bank USA (the “Bank”) received the above-referenced complaint related to the Apple Card via the Consumer Financial Protection Bureau (“CFPB”) Complaint Portal on January 22, 2025. The Bank appreciates the opportunity to address the concerns raised by Landon Barney (the “Consumer”) related to a declined application for Apple Card.
  
  As provided in the Bank’s previous response, the Bank conducted an investigation and confirmed no Bank errors occurred. According to the Bank’s records, the Consumer submitted 5 applications between December 15, 2024, and December 18, 2024. The Bank approved all 5 applications and presented offers detailing the credit limit and Variable Annual Percentage Rate including the Apple Card Customer Agreement. The Customer rejected all 5 offers and did not open the account.
  
  The Consumer submitted an additional 57 applications between December 18, 2024, and January 22, 2025. For security purposes, the Bank only allows a certain number of applications to be submitted by the Consumer within a 30-day period. The Bank recommends the Consumer reapply again 30 days after the last attempted application. The Bank does not have further information to provide and considers this matter closed.
  
  Based on the above details, the Bank kindly requests for this complaint to be closed.
  
  

• Initial Complaint

  Date:12/23/2024

  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 am writing due to the lack of resolution regarding a dispute I raised about a purchase from *******. Despite submitting multiple previous disputes, I purchased a desk from ******* and instead received a piece of wood. When I contacted the company to address these concerns, they did not offer any help, they said they would keep the manufacturer accountable but then never sent me the correct item and never refunded me. Goldman Sachs has allowed the company ******* to keep my item, keep my money, and has allowed this fraud to continue. I have in good faith returned the item and have yet to see any resolution. I believe I am entitled to a full refund for the purchase or the item that was purchased needs to be sent to me. Enclosed with this letter are all relevant documents, including receipts, correspondence with *******, and photographs of the defective products. I urge you to review this case promptly and provide the support I need to bring this matter to a fair resolution. Please contact me if further details or documentation are required. Disputed case number ********** Transaction Date November 30 2022, Merchant Name : Wayfair WF , Disputed amount: $483.18.

  Business Response

  Date: 01/03/2025

  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 December 23, 2024. ******** appreciates the opportunity to address the concerns raised ***** ******** (the Customer) related to a transaction dispute with the ******** ** Wayfair in the amount of $483.18.
  
  ******** conducted an investigation and confirmed an inadvertent processing error occurred. The Customer initially disputed the transaction on December 22, 2022, February 20, 2023, April 27, 2023, July 12, 2023, September 07, 2023, December 01, 2023, January 25, 2024, April 02, 2024, May 21, 2024, July 24, 2024, and September 20, 2024. The **** applied temporary credits while the disputes were investigated. The initial disputes were resolved incorrectly as the available evidence, including that sent by the Customer on December 22, 2022, was not fully considered. As a result, the temporary credits were reversed on February 20, 2023, April 27, 2023, June 07, 2023, September 07, 2023, November 29, 2023, January 24, 2024, March 20, 2024, May 29, 2024, July 19, 2024, September 20, 2024, and November 12, 2024. ******** sent the Customer emails detailing the dispute outcomes.
  
  The dispute was reopened on December 31, 2024, and the Bank applied a temporary credit while the dispute was re-investigated. The dispute was ruled in the Customers favor based on the available evidence showing images of the damaged item, correspondence with the merchant requesting a return and an online picture from the merchants website stating the return was pending. As a result, the temporary credit that was applied to the Customers account was made permanent on December 31, 2024. ******** sent the Customer an email detailing the dispute outcome. ******** 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: 01/06/2025

  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.
  
  Sincerely,
  
  ***** ********
  
  
  
   
  
  

• Initial Complaint

  Date:12/23/2024

  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 believe this account has been assigned to me in error, as I am not liable for the debt in question.I have no contractual obligation with *********** and have never received any documentation to substantiate the validity of this debt, despite my formal requests for verification. I specifically asked to review the original application or contract related to this alleged debt. Since *********** has been unable to provide this documentation, I assert that the debt is not mine and should not be associated with my records.I kindly request the removal of this erroneous collection from my account and an acknowledgment of this resolution in writing. Thank you for your attention to this matter.

  Business Response

  Date: 01/02/2025

  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 December 23, 2024. ******** 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 March 8, 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 an investigation and was unable to locate any interactions with the Customer related to a request for validation of debt. ******** was unable to locate any record of mistreatment or misinformation provided by a Bank representative. The account was charged off and closed on April 30, 2024, as a result of the Customer failing to make a payment to satisfy at least the minimum amount due by October 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 **** provides Apple Card monthly statements electronically which are available in the Wallet app or on ************** at the beginning of each month. 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 December 30, 2024, including a copy of the Apple Card Customer Agreement and all 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 of $4,579.59 provided in the statement from April 30, 2024.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:12/20/2024

  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.

  Since opening my account (Apple Credit Card) with Goldman Sach's I've had a credit limit of $2000.00. I just recently paid ******* to pay ALL of my credit cards off. My payment was placed on hold until 12/18 initially and I was told my total credit and balance would reflect the payment on 12/18 because I made such a large payment. On 12/18 it did NOT reflect my payment and I called and the agent told me it would reflect on 12/19 now. Well 12/19 my credit limit was decreased to $500 from $2000. WHY wait until I make the large payment and reduce my limit. My credit has score has been the same for over 1 year now as I work on it, and it's UNFAIR that once I made the payment and was PROMISED it would reflect as available credit that GOLDMAN SACH'S decided to do a review. I DEMAND my credit limit restored because this is UNFAIR credit practices.

  Business Response

  Date: 01/03/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on December 20, 2024. ******** appreciates the opportunity to address the concerns raised by ******* ******* (the Customer) related to the credit limit for the Apple Card and a payment hold.
  ******** conducted a review of the account 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 $1,805.45 made on December 12, 2024, was released and reflects in available credit as of December 19, 2024.
  During the application process the Customer is provided with and must consent to the Apple Card Customer Agreement including the Credit Report Authorization which discloses that the Customer agrees that the Bank may review the Apple Card account history and credit bureau information regularly to maintain and service the account. This is a standard practice for financial institutions, as it helps to assess the Customers creditworthiness and manage any potential risks associated with the account. On December 18, 2024, the Bank reduced the Customers credit limit as part of a standard risk assessment. Consequently, and in adherence with applicable law, the Bank sent the Customer an email notifying them of the change and detailing the reasons for the new credit limit. ******** is unable to reverse previous credit limit decisions. ******** occasionally evaluates Apple Card accounts for credit limit increases, and the Customers account may be considered at that time. Customers may also choose to apply for a credit limit increase at any point, though the Bank recommends waiting 12 months.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:12/17/2024

  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 was sent the wrong size of shoe from ******. I chatted with their customer support and provided ALL documentation asked to show that I did not receive the item I paid for. The customer service *** for ****** let me know that they do not have any more stock to fulfill my correct order and they told me that in order to get a refund I had to return the item I did not order. I have researched on this site and I see that I do not have to return unordered merchandise and the merchant can't make me pay for items I did not order. ****** is not following these laws and my dispute through my credit card did not stand. I am now asking for your help to resolve this with ****** and my credit card (apple card) since both merchants are not abiding by the *** consumer laws.

  Business Response

  Date: 12/30/2024

  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 December 17, 2024. ******** appreciates the opportunity to address the concerns raised by ***** ****** (the Customer) related to a transaction dispute with the merchant ****** in the amount of $129.90.
  
  ******** conducted an investigation and confirmed no error occurred. The Customer disputed the transaction on October 29, 2024. ******** 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 available evidence shows that the merchant provided the Customer with the option to return the product for a refund, but the Customer has not returned the merchandise. As a result, the temporary credit that were applied to the Customers account was reversed on December 16, 2024.******** sent the Customer an email detailing the dispute outcome.
  
  The dispute was reopened on December 16, 2024, and the Bank applied a temporary credit while the dispute was re-investigated. Based on the investigation and a review of the evidence provided, the Bank resolved the dispute in favor of the merchant because no additional evidence has been provided to show that the merchandise was returned. As a result, the temporary credit that was applied to the Customers account was reversed on December 26, 2024. ******** sent the Customer an email detailing the dispute outcome.
  
  Based on the above details, the Bank kindly requests for this complaint to be closed.

  Customer Answer

  Date: 01/02/2025

  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]

   Hello, I indeed did provide more proof (attached) during my second dispute. As clearly stated in my dispute this isnt a case about me refusing to return merchandise this is a case about ****** sending my items I did NOT order and REFUSING to refund me when I did not get the item I ordered. As per FTC laws it is illegal to charge someone for unordered merchandise or ask to send the item back for a refund. 
  

  Therefore both Apple and ****** are not compliant with FTC or BBB laws because you are charging me for an item I DID NOT order. This just blatantly shows me that your staff does not read or review submitted documentation and I will be pursuing both BBB and FTC action against you and ******. 

   

   

   

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

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

  Business Response

  Date: 01/13/2025

  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 January 3, 2024. The Bank appreciates the opportunity to address the concerns raised by ***** ****** (the Customer) related to a transaction dispute with the merchant ****** in the amount of $129.90.
  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 closed.

  Customer Answer

  Date: 01/15/2025

  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:

  [hello, I have received your response and will not close this case because you have not made the issue right. As discussed in our previous messages back and forth Apple is illegally charging me $129 for items I did not consent to receive. I have now gone through 2 disputes where ***** has resolved it in the merchants favor despite me giving plenty of proof to show that ****** is not following FTC laws. I will continue pursuing this case and will not be closing this case until Apple and Goldman refunds me. You said in your response that there is an investigation ongoing but that just isnt true since you have closed my case with no further investigation. I will be happy to close this once I get my money back but until then I wont be closing this.  ]

   

   

   

   

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

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

• Initial Complaint

  Date:12/17/2024

  Type:Customer Service 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 with this debt. I do not have a contract with this collection agency. they did not provide me with the original contract that I requested.

  Business Response

  Date: 12/31/2024

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal December 17, 2024. The Bank appreciates the opportunity to address the concerns raised by ***** ********** (the Customer) related to validating the debt owed and credit reporting for ****************************** conducted an investigation and confirmed no Bank error occurred. According to the Banks records, the Customer opened the account on March 22, 2022. During the application process, the Customer is provided with and must consent to the Apple Card Terms and Conditions, 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. The account has been 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.
  
  The Bank has no record of the Customer requesting debt validation prior to December 17, 2024. The Bank sent the Customer the requested documents on December 23, 2024, validating the Customer's debt including a copy of the Apple Card Customer Agreement and complete 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 $7,250.86. The Bank is unable to provide the Customer with a signed application as the Customer electronically consented to the Apple Card Customer Agreement by completing the application and opening the account. The Bank is the original creditor and is not a debt collector.
  
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:12/17/2024

  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.

  Dear Better Business Bureau,I am writing to formally file a complaint against Goldman Sachs regarding a fraudulent account (account number: ***************** that has been reported under my husbands name. My husband is legally incompetent and, as such, cannot legally consent to enter into any agreement. This account was opened without his authorization and is a result of identity theft.Background:My husband has been declared legally incompetent as of 02/12/2023. Due to this legal status, he lacks the capacity to enter into any contractual agreements.This account, associated with Goldman Sachs, was fraudulently opened in his name. My husband has no knowledge of this account, and he did not provide consent for its creation or usage.I have attached a completed FTC Identity Theft Affidavit, which provides detailed information and evidence supporting the claim that this account is fraudulent.Additional supporting documentation, including medical records and other relevant evidence, has been provided to demonstrate my husbands legal incompetence and the impossibility of him authorizing this account.Requested Resolution:Immediate investigation by Goldman Sachs into this fraudulent account.Permanent deletion of this account from all records and systems associated with my husbands name and Social Security number.Confirmation that this account has been removed and will no longer be reported to any credit reporting agency.Assurance that Goldman Sachs will take corrective measures to prevent future incidents of identity theft and unauthorized account creation.

  Business Response

  Date: 12/30/2024

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to GM Card via the Better Business Bureau (BBB) Complaint Portal on December 17, 2024. ******** appreciates the opportunity to address the concerns raised by ******* ******** (the Consumer) related to a GM Card opened without authorization.
  ******** conducted an investigation and did not identify a GM Card account associated with the Consumer. The account in question may relate to a family member of the Consumer. The account owner is encouraged to contact the **** directly for assistance with the claim. ******** is available 24 hours a day, 7 days a week by phone at **************.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:12/17/2024

  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 disputed a billing error on my Apple Card, but the company failed to handle my dispute properly. ***** did not forward my dispute to Goldman Sachs, and Goldman Sachs failed to investigate or resolve the issue, as required under the Truth in Lending Act (TILA) and ********************* of addressing my dispute, inaccurate negative information was reported to the credit bureaus, violating my rights under the Fair Credit Reporting Act (FCRA).I attempted to resolve this issue by contacting the company directly, but I was not given any meaningful opportunity to correct the error or have the inaccurate information removed from my credit report. The ************************************ (****) recently ruled that ***** and Goldman Sachs mishandled billing disputes and credit reporting for Apple Card accounts, highlighting their failures in dispute resolution and their reporting of false information.This mishandling has caused significant harm to my credit report and score. I request the immediate removal of this inaccurate and misleading information to reflect my true credit history.

  Business Response

  Date: 12/30/2024

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on December 17, 2024. ******** 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 11, 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 April 30, 2022, as a result of the Customer failing to make a payment to satisfy the minimum amount due by October 31, 2021. ******** successfully delivered Statement Available Reminders, Payment Due Reminders, Missed Payment Reminders, and Eligible for ************* Reporting reminders to the email address on file.
  
  ******** confirmed the account was reported accurately to the ************************** However, during the investigation the Bank confirmed Transunion,Experian, and Equifax were not reporting the tradeline for the Apple Card. ******** submitted a request to Transunion, Experian, and Equifax to reinstate the tradelines on the Customers credit report. The Customer should allow up to 30 days for the updates to reflect on their credit report. ******** is obligated to report accurately to ************************* and is unable to update the Customers credit reporting. The Customer is responsible for the account and the total balance of $6,916.46.
  
  ******** has no record of the Customer disputing any transactions on the account. The Customer should contact the Bank directly to dispute any transactions on the Apple Card account.
  
  Based on the above details, the Bank kindly requests for this complaint to be closed.