Complaints

This profile includes complaints for The Goldman Sachs Group, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  The Goldman Sachs Group, Inc.

  200 West Street New York, NY 10282-2102

• 

  Goldman, Sachs & Co.

  100 Crescent Ct STE 1000 Dallas, TX 75201-7893

• 

  Goldman Sachs Personal Financial Managerment

  1707 Langhorne Newtown Rd Ste 1 Langhorne, PA 19047-1004

• 

  Goldman Sachs & Co

  3414 Peachtree Rd NE # 600 Atlanta, GA 30326-1167

• 

  Goldman Sachs & Co

  34414 Peachtree Road North East Atlanta, GA 30326

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:07/10/2025

  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 received on today at 2:29pm from someone by the name of ***** ****** who stated that he was part of the executive team on the phone: ************.He informed me via phone that the fraudulentaccount ending in #**** would be taken out of my name, I wasn't liable for this accountanymore, and your department was sending a notification to the creditbureausto have this accountdeleted off of my creditfile. I received notificationtoday from the credit bureau that this account was (BEING UPDATED FROM THE CREDITOR NOT DELETED). ***** stated that it could take up to 30 days for this account to be deletedoff of my credit file, but if that is the case (WHY IS THIS ACCOUNT BEING UPDATED TO THE CREDIT BUREAUS ON TODAY THE SAME DAY THAT HE CALLED ME)? He stated that (the other department) said that theinvestigationconcluded that this account was linked to me andwas mine. Which doesn't make any sense and he also stated that his department was going to have the account deleted off of my credit file. I asked him if he could send me an email or clearance letter stating that this account was being taken out of my name and off of my credit file! He said that he would have to look into which didn't makeany sense and at this point HE LIED! I had to ask him repetitivelyto state that this account was being taken out of my name and I was no longer LIABLE FOR THIS ACCOUNT. The calls are recorded and your department can listen to the entire call. I want to know why someone would call me about a fraud accountandLIE ABOUT A FRAUD ACCOUNT BEINGTAKEN OUT OF MY NAME. Then have the account REPORTED AND UPDATED TO CREDIT FILE THE SAME DAY HE CALLED ME? What type of games is this company playing and why did ***** ****** call me today lying then wouldn't give me ANY DIRECT ANSWERS? If his department was having this account taken out of my name then the account wouldn't have JUST UPDATED TODAY BY GOLDMAN SACHS!

  Customer Answer

  Date: 07/15/2025

  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:07/10/2025

  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 Goldman Sachs Support,Im reaching out for help resolving an ongoing issue with my former ***** Card account. I previously held the Apple Card and other Goldman Sachs accounts, all of which were closed unexpectedly. I paid all balances in full and had no delinquencies or missed payments.After my Apple Card was closed, I was told I could reapply after 90 days. It has now been over two years, and Im still unable to apply. Despite multiple support calls and cases, no one could provide a clear reasonuntil one agent mentioned there is a "flag" on my account, possibly due to a system error. He escalated it, but the issue remains unresolved.Because of this flag, I cannot reapply, and the closed card is still stuck in my Apple WalletI am unable to remove it. Even if Im not eligible to reapply, I kindly ask that the flag be removed so I can at least delete the old card and close this matter *********** the time of closure, I was handling bank disputes and unauthorized transactions, which led to returned payments. Those issues have since been resolved. I have strong credit and income as a senior software engineer.Ive also been advised to create a new ***** ID, which did not help. Every time I try to apply, I receive a "system error" message and my application doesn't process.Please review my account, confirm the flag, and advise how to remove it. Ive always paid off my Goldman Sachs cards and never had a delinquency. I would appreciate the opportunity to reapply, or at least the ability to remove the closed card from my wallet.Thank you for your time and support.Sincerely,**** ****** Email: ******************** Secondary email: ****************** business email: *************** Last 4 of SSN: **** Phone: **************

  Business Response

  Date: 07/24/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on July 10, 2025. The Bank appreciates the opportunity to address the concerns raised by **** ****** (the Customer) related to a closed Apple Card account.
  The Bank conducted an investigation and confirmed the Customer was impacted by a technological error.  As part of the Banks review process, the Bank identified red flags related to the Customers account. Based on an investigation, and in accordance with the Apple Card Customer Agreement, the Bank closed the account and sent the Customer an email informing of the account closure on March 15, 2023.  The Bank confirmed there was no Bank error in the process of the Customer's account closure. The Bank is unable to provide additional information related to the investigation. The Bank conducted a review of the Customers account and found no fraudulent or suspicious activity occurring on the Customers account. The Bank conducted a review of interactions and was unable to locate any record of mistreatment or misinformation provided by a Bank representative. The Bank is unable to reopen the Customers closed Apple Card account.
  According to the Banks records, the Consumer submitted the most recent applications on May 5, 2025, and June 11, 2025. As a result of a system error, the Customer's applications were closed. On July 23, 2025, the Bank attempted to contact the Customer to further troubleshoot with the system error provided in the Customer's complaint evidence, during application for the Apple Card, but was unsuccessful. The Bank is available by phone at ************** or by message from the Wallet app. The Bank is 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: 07/28/2025

  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:

  I have contacted support multiple times and have repeatedly been given the runaround. One agent did eventually inform me that a flag on my account is preventing my application from being processed and is also the reason why the closed card remains stuck in my Apple Wallet. I was even advised to create a new Apple ID, but the issue persisted.
  At this point, I am simply requesting that the flag be removed so I can purge the closed Apple Card from my Wallet. Again, I am not asking to reopen the accountIm asking for fair treatment given that I met all financial obligations and have not violated any terms and conditions.
  It is extremely frustrating to deal with this for years, especially when the issue appears to be due to a system error caused by the flagan issue Goldman Sachs support has acknowledged but never fixed. One agent who escalated the case told me he is confused as my account seems ok and not sure why there is flag . He also acknowledged that it was a system error .. Still needs to be fixed.. Waiting for resolution.

   

   

  ****

   

   

   

   

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

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

  Business Response

  Date: 08/08/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on July 30, 2025. The Bank appreciates the opportunity to address the concerns raised by **** ****** (the Customer) related to a closed Apple Card account.
  
  The Bank conducted an investigation and confirmed the Customer was impacted by a technological error. As part of the Banks review process, the Bank identified red flags related to the Customers account. Based on an investigation, and in accordance with the Apple Card Customer Agreement, the Bank closed the account and sent the Customer an email informing of the account closure on March 15, 2023. The Bank confirmed there was no Bank error in the process of the Customer's account closure. The Bank is unable to provide additional information related to the investigation.
  
  The Bank conducted a review of the Customers account and found no fraudulent or suspicious activity occurring on the Customers account. The Bank conducted a review of interactions and was unable to locate any record of mistreatment or misinformation provided by a Bank representative. The Bank is unable to reopen the Customers closed Apple Card account.
  
  According to the Banks records, the Consumer submitted the most recent applications on May 5, 2025, and June 11, 2025. As a result of a system error, the Customer's applications were closed. On August 8, 2025, the Bank attempted to contact the Customer to further troubleshoot with the system error provided in the Customer's complaint evidence, during application for the Apple Card, but was unsuccessful. The Bank is available by phone at ************** or by message from the Wallet app. The Bank is available 24 hours a day, 7 days a week.
  
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:07/10/2025

  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.

  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: APPLE CARD/GS BANK Account #:**************** Balance:$1,532.00 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: 07/24/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on July 10, 2025. The Bank appreciates the opportunity to address the concerns raised by ********* ******** (the Customer) related to an Apple Card opened without authorization, validation of the debt owed, and credit reporting for the *************************** conducted an investigation and confirmed no Bank error occurred. Based on the Banks investigation, the Bank determined the Customer is liable for the account. According to the Banks records, the Customer opened an Apple Card and consented to the Apple Card Customer Agreement on November 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. Additionally, the Apple Card Privacy Policy was provided at the time of account opening and the Customer may view it in the Wallet app or by accessing ****************************************************************************************. 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 account charged off on August 31, 2023, as a result of the Customer failing to make a payment to satisfy at least the minimum amount due by February 28, 2023. The Bank successfully delivered Statement Available Reminders, Payment Due Reminders, Missed Payment Reminders, and Eligible for ************* Reporting reminders to the email address on file. The Bank is obligated to report accurately to ************************* and is unable to remove the trade line from the Customers credit report.
  
  The Bank is the original creditor and is not a debt collector. The Bank sent the Customer the requested documents on July 16, 2025, validating the Customer's debt including a copy of the Apple Card Customer Agreement and a copy of the full statement history showing records of transactions and payments to validate the balance and the debt owed. The Customer is responsible for the account and the balance of $1,532.90.
  
  In the additional documents, the Customer referenced concern related to an account with ************ Credit and *********. The Customer should contact these companies directly for further assistance.
  
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:07/10/2025

  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.

  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: $1,446.00 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: 07/24/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on July 10, 2025. The Bank appreciates the opportunity to address the concerns raised by ***** **** (the Customer) related to validation of the debt owed and Credit reporting for the *************************** conducted an investigation and confirmed no bank error occurred. The **** confirmed the account was reported accurately to the ************************** 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 November 30, 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 Bank is unable to opt the customer out of credit reporting. The Customer can view the Apple Card Privacy Policy in the Wallet app or by accessing ****************************************************************************************. The Bank confirmed the account was closed and charged off as of September 30, 2023, as a result of the Customer failing to make a payment to satisfy the amount due by March 31, 2023. The Bank successfully delivered Statement Available Reminders, Payment Due Reminders, Missed Payment Reminders, and Eligible for ************* Reporting reminders to the email address on file.
  
  The Bank sent the Customer the requested documents on July 15, 2025, validating the Customer's debt including a copy of the Apple Card Customer Agreement and thirty five 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 $1,446.69 provided in the latest statement from September 30, 2023. The Bank is obligated to report accurately to ************************* and is unable to update the Customers credit reporting. In the complaint narrative, 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:07/10/2025

  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 may be a victim of identity theft, and *********** is reporting a fraudulent account as an open charge-off on my credit report.I have already submitted my FTC Identity Theft Report and a CFPB confirming that this account was not authorized or opened by me.This account was previously marked closed, but has now been re-reported as open, which violates my rights under the Fair Credit Reporting Act (FCRA) Section 605B.I am requesting that this account be fully removed from my credit reports and that written confirmation be provided. If not resolved, I will consider further legal action.

  Business Response

  Date: 07/24/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on July 10, 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 Bank error occurred. Based on the Banks investigation, the Bank determined the Customer is liable for the account. The Bank is unable to provide additional information related to the investigation. According to the Banks records, the Customer opened an Apple Card and consented to the Apple Card Customer Agreement on June 1, 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 October 31, 2024, as a result of the Customer failing to make a payment to satisfy the amount due by April 30, 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. The **** confirmed the account was reported accurately to the ************************** The Bank is obligated to report accurately to ************************* and is unable to update the Customers credit reporting. The Customer is liable for the balance on the account in the amount of $1,731.02 provided in the latest statement from October 31, 2024.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:07/08/2025

  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 submitting this formal complaint against Goldman Sachs ******** regarding a charge-off account (account number ending in *****************, opened on 08/16/2019, with a reported balance of $7,757.00. This account continues to appear as a charge-off on all three of my credit reportsExperian, Equifax, and TransUniondespite multiple disputes and Goldman Sachs ongoing failure to provide any original, verifiable documentation validating the accuracy of this debt.Over the past several months, I have submitted repeated requests asking for original account-level documentation, including a signed agreement, a detailed payment and charge-off history, and an explanation of how the balance was calculated. To date, I have received no such records. Under the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C. 1681i(a)(1)(A), I am entitled to a full and reasonable reinvestigation of any disputed account. That reinvestigation must be supported by verifiable and original documentationnot templated responses or incomplete summaries. Moreover, per 15 U.S.C. 1681i(a)(5), if an account cannot be verified, it must be removed from the consumers credit report without delay.This accounts continued presence has caused serious harm. I've been denied credit, faced higher interest rates, and experienced immense emotional frustration trying to resolve an entry that Goldman Sachs seems unwilling or unable to support with actual proof. It is unacceptable to punish a consumer for a balance no one is willing to verify, and Im growing increasingly concerned that this reporting error may stem from poor internal data handling or a broader systemic issue.Should this matter remain unresolved, I will escalate this complaint to the **** and FTC, and pursue all legal remedies under 15 U.S.C. 1681n for willful noncompliance with the ****. I will no longer tolerate the financial and emotional consequences of an unverifiable debt being used against me.

  Business Response

  Date: 07/22/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on July 9, 2025. The Bank appreciates the opportunity to address the concerns raised by **** ***** (the Customer) related to credit reporting and validation of the debt owed for the Apple Card.

  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. According to the Banks records, the Customer opened an Apple Card and consented to the Apple Card Customer Agreement on August 16, 2019. As stated in the Apple Card Customer Agreement, the Bank may report information about the account to the ************************** which includes but is not limited to Late Payments, Missed Payments, or other defaults on the account. The account was charged off on February 28, 2023 as a result of the Customer failing to make a payment to satisfy the amount due by August 31, 2022. The Bank successfully delivered Statements, Payment Due Reminders, Missed Payment Reminders, and Eligible for ************* Reporting reminders to the email address on file. The Bank is the original creditor and is not a debt collector. The Bank sent the Customer the documents on July 14, 2025, validating the Customer's debt including a copy of the Apple Card Customer Agreement and 43 months of statement history, showing records of transactions and payments to validate the balance and the debt owed. Additionally, the Bank previously sent requested documents on October 17, 2022, November 17, 2022, May 8, 2024, January 9, 2025, and February 17, 2025. The Bank is unable to provide the Customer with signed documents as the Customer electronically consented to the Apple Card Customer Agreement by completing the application and opening the account. The **** confirmed the account was reported accurately to the ************************** The Bank is obligated to report accurately to ************************* and is unable to update the Customers credit reporting. The Customer is responsible for the balance on the account in the amount of $7,757.57. In the attached documents, the Customer referenced concern related to an account with JPMCB CARD, PROGRESSIVE and UPSTART/CUSTOMERS BANK. The Customer should contact the listed companies directly for further assistance. The Bank is unable to provide compensation.

  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:07/08/2025

  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.

  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: ***** CARD/GS BANK *** Account #: ****************Balance: $554.00 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: 07/22/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on July 7, 2025. The Bank appreciates the opportunity to address the concerns raised by ******** ******* (the Customer) related to the 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 February 25, 2022. As stated in the Apple Card Customer Agreement, the Bank may report information about the account to the ************************** which includes but is not limited to Late Payments, Missed Payments, or other defaults on the account. The Bank successfully delivered Statements, Payment Due Reminders, Missed Payment Reminders, and Eligible for ************* Reporting reminders to the email address on file. The Bank confirmed the account was reported accurately to the ************************** The account was charged off on May 31, 2024, as a result of the Customer failing to make a payment to satisfy the amount due by November 30, 2023. The Bank is obligated to report accurately to ************************* and is unable to update the Customers credit reporting.
  
  The Bank confirmed the account was reported accurately to the ************************** However, during the investigation the Bank confirmed ********** was not reporting the tradeline for the Apple Card. The Bank submitted a request to ********** 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.
  
  The Bank sent the Customer the requested documents on July 10, 2025, validating the Customer's debt 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 responsible for the balance on the account in the amount of $554.15 provided in the latest statement from May 31, 2024.
  
  In the complaint narrative, the Customer referenced concern related to an account with ***********, and LVN Funding. The Customer should contact ***********, and LVN Funding directly for further assistance.
  
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:07/08/2025

  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.

  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: ********GM Account #:**************** Balance:$3,524.00 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: 07/11/2025

  Goldman Sachs Bank USA (the Bank), received the above referenced complaint via the ************************************ on July 8, 2025. This account was transferred to **************************, and is no longer owned by the ****. We would ask this complaint be redirected to **************************. They can be reached at **************.

• Initial Complaint

  Date:07/07/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

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

  Business Response

  Date: 07/21/2025

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

• Initial Complaint

  Date:07/03/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I'm a victim of identity theft and there is a fraudulent account that is reporting on my credit file withAPPLE CARD ******* USAacct# ****, opened-11-2021-balance-$10.00. I have disputed this account with the credit bureaus and with the bbb in which I submitted a validate ftc identity theft report with a police report. I have also called Goldman Sachs fraud department and spoke to several agents regarding this fraud account. For some reason this company is trying to make me liable for a fraudulent account that was opened in my name even while I supplied validate documents. I was informed that this fraud account was opened with an address, phone number, and email address that is all fraudulent information. When I called the fraud department, they said that the account is no longer in my name with Goldman sachs. I requested a debt of validation letter and they keep sending the validation letter to the address on this fraudulent account that is located in *******, **. I have never lived in *******, ** and I reside in the state of *********. I have neither engaged in business transactions with this company nor entered into any agreements. Hence, it is unjustified for this company to report a fraudulent account that I have no knowledge of. This situation infringes upon my rights as a consumer, as outlined by the **** and *****. Also enclosed is a copy of the ***** Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies (****). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. ***** CARD ******* ***** knowingly violating federal consumer protection laws by reporting false debt, refusing to properly investigate disputes, and engaging in deceptive and negligent reporting practices.

  Business Response

  Date: 07/17/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on July 03, 2025. The Bank appreciates the opportunity to address the concerns raised by ****** ***** (the Customer) related to an Apple Card opened without authorization and credit reporting for the ************************** conducted an investigation and confirmed no Bank error occurred. According to the Banks records, the Customer opened an Apple Card and consented to the Apple Card Customer Agreement on November 24, 2021. As stated in the Apple Card Customer Agreement, the Bank may report information about the account to the ************************** which includes but is not limited to Late Payments, Missed Payments, or other defaults on the account. As part of the Banks review process, the Bank identified red flags related to the Customers account. Based on an investigation, and in accordance with the Apple Card Customer Agreement, the Bank closed the account and sent the Customer an email informing of the account closure on August 08, 2024.
  The account was charged off on June 30, 2025, as a result of the Customer failing to make a payment to satisfy the amount due by December 31, 2024. The Bank successfully delivered Statements Available Reminders, Payment Due Reminders, Missed Payment Reminders, and Eligible for ************* Reporting reminders to the email address on file. The Bank sent the Customer the requested documents on July 8, 2025, validating the Customer's debt including a copy of the Apple Card Customer Agreement and 14 months of statement history showing records of transactions and payments to validate the balance and the debt owed. As a courtesy, the Bank has removed the tradeline for the Customer. The Bank submitted a request to have the tradeline removed from the Customers credit profile on July 10, 2025. The Customer should allow up to 30 days for the change to reflect on the Customers credit profile. The Customer is not responsible for the account or the balance. The Bank contacted the Customer on July 10, 2025, to advise of the Banks decision.
  Based on the above details, the Bank kindly requests for this complaint to be closed.