Business Profile

Investment Security

The Goldman Sachs Group, Inc.

Headquarters

This business is NOT BBB Accredited.

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Complaints

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

Customer Complaints Summary

1,115 total complaints in the last 3 years.
437 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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:06/21/2025
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.
On 6/21/25, I went to the ****** website and filled out an application for a new joint **** account. After completing the entire form, there was a notification that we needed to call in and it couldn't be handled online. We then called in and spoke to a GS/****** ***resentative. The initial customer service *** asked both my spouse and I to get on the phone and had us give detailed authentication/verification information (DOB, SSN, etc.). After this was all done she asked us to apply a second time online through the portal. I then spent time filling out the online application again - this simply resulted in the same error message that the transaction couldn't be done online and I needed to call in over the phone. This entire time the customer service *** was still on the phone with me. She then asked if I could get my spouse and - AGAIN - complete all the same authentication and verification questions. I refused and asked to speak to a supervisor. After being on hold for awhile, the supervisor came on and insisted my spouse had to get back on the phone and answer all the same questions again. We finally hung up as it appeared the supervisor would not be helpful and this was a waste of time. This entire experience was terrible customer service and a bad way to treat a new potential client. They refused to tell us what the issue was and instead wanted us to answer the same questions all over again. At the end of it, we were not able to open an account - but they couldn't even tell us why.
Business Response
Date: 07/02/2025
BBB Response *********
ID: ********
****** by Goldman Sachs, a brand of Goldman Sachs Bank USA (the Bank), received the above-referenced complaint via the Better Business Bureau Complaint Portal on June 21, 2025. The Bank appreciates the opportunity to address the concerns raised by **** ********* (the Consumer) related to an application for an ************** Account (OSA).
Per the Banks records, on June 21, 2025, the Consumer submitted applications via the Banks website. As part of the Banks application process, the Bank conducts a review to verify the identity of each applicant. During the application review process, the Bank identified security concerns regarding one of the applicants identities and requested the applicants to contact the Bank. Later that same day, the applicants contacted the Bank regarding their application. During the call, a Bank specialist verified the applicants identities and attempted to assist the Consumer further regarding their application process; however, the Consumer declined assistance.
On June 25, 2025, the Bank attempted unsuccessfully to contact the Consumer. Should the Consumer want to continue with the application process, the applicants may call the Bank toll-free at ************** ****************), Monday to Friday, 8 am - 10 pm, or Saturday to Sunday, 9 am - 7 pm ET.
Based on the above details, the Bank kindly requests this complaint to be closed.
Initial Complaint
Date:06/19/2025
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 called for my Apple Card regarding a apple transaction thats been showing as pending for almost a month I got the incorrect information hang up on several times and supervisors that were no help and not wanting to help and provide service rude and unprofessional. I would like to be called from someone from corporate
Business Response
Date: 07/03/2025
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 June 19, 2025. ******** appreciates the opportunity to address the concerns raised by ******* ******** (the Customer) related to pending transactions with **** Rent-A-Car in the amount of $199.38 and $199.18.
******** conducted an investigation and confirmed no Bank error occurred. According to the Banks records there are 2 pending transactions from the ******** **** Rent-A-Car on March 21, 2025 in the amount of $198.38 and March 28, 2025 in the amount of $199.18. The pending transactions have an expected release date of July 17, 2025. Based on the investigation, the Bank cannot directly cancel or finalize pending transactions, as they are still in the processing stage. ******** contacted the Customer on June 17, 2025, a Bank specialist informed the merchant determines the expiration date for pending transactions. In addition, the Bank contacted the Customer on July 2, 2025 as requested to address the concerns. The Customer may wish to contact the merchant regarding the timeframe of the pending transaction. ******** conducted a review of interactions and was unable to locate any record of mistreatment or misinformation provided by a Bank representative.
Based on the above details, the Bank kindly requests for this complaint to be closed.
Initial Complaint
Date:06/18/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Close your CD If youd like to transfer to an external account thats not on this list, send a wire transfer, or receive a check, please call us within 30 days of your maturity date or in your ***** period at **************. References to ************** on this page relate to Goldman Sachs Bank USA and do not reflect ************** availability at other financial institutions.Where do you want to transfer your balance?Your account ********************* ******** This account is currently not available for CD maturity instructions because it requires additional review, such as verification of account ownership. Please select a different account or call us at **************._________________________THIS IS JUST ONE OF SEVERAL "EXTERNAL" ACCOUNTS THAT ARE BLOCKED. ****** has not explained the reason that they require "verification of account ownership". No phone call, email, or letter in the mail. Their only request is a "Three Way" with my ************* ****** and myself. I do not know how this will resolve their issue. I am hearing impaired and do not use phones for activities such as this. At this point ALL my funds on deposit with ****** are blocked from redemption. They have not been able to explain or even state what THEIR problem is?
Business Response
Date: 07/02/2025
BBB Response *****
ID ********
****** by Goldman Sachs, a brand of Goldman Sachs Bank USA (the Bank), received the above-referenced complaint via the Better Business Bureau Complaint Portal on June 18, 2025. The Bank appreciates the opportunity to address the concerns raised by ******* ***** (the "Customer) related to transfers from their accounts.
On June 17, 2025, the Customer contacted the Bank regarding transfers to their external account. To address the Customers concerns, a Bank specialist informed the Customer that a three-way call with the external institution would be needed to verify the ownership of the external account; however, the Customer declined to proceed. Alternatively, a Bank specialist advised that a check can be mailed to the Customer.
On June 23, 2025, the Bank successfully processed the Customers request to close their No-Penalty Certificate of Deposit (account ending in ****) at maturity and mailed a check to the Customers address. Per the **** tracking ****************************, the check is currently in transit.
Separately,the Bank resolved the concerns on the Customers account, to allow for ACH transfers to their linked external accounts.
Based on the above details, the Bank kindly requests this complaint to be closed.

Customer Answer
Date: 07/03/2025
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 reason for the blocking of ALL Four of my External Accounts was never explained.
It took about three weeks until these accounts were unblocked. Again there was NO communication
from ****** regarding the fact that these accounts had been unblocked.
_____________________________
PART OF ****** RESPONSE
On June 23, 2025, the Bank successfully processed the Customers request to close their No-Penalty Certificate of Deposit (account ending in ****) at maturity and mailed a check to the Customers address. Per the **** tracking label, **********************, the check is currently in transit.
_____________________________
This was NEVER an issue.
This was just ONE account out of the 54 CD account that I had with ******.
****** will soon discover (as if they even care) that I am in the process of closing ALL
of my ****** CD accounts. They have demonstrated that they DO NOT value my business.
At last count, I have fewer than 27 ****** CD's pending closure, but by this date next year
ALL WILL BE CLOSED.
_________________
I request that this UNPROFESSIONAL service be noted in
their permanent file to warn potential customers.
I will be sure to share my POOR experiences with everyone I talk with.
________________
I would also like to complain that the ********** website does not offer
a mailing address for ************** Please make note of this fact.
An other example of their unprofessional conduct.

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

Business Response
Date: 07/18/2025
BBB Response *****
ID ********
Marcus by Goldman Sachs, a brand of Goldman Sachs Bank USA (the Bank), received the above-referenced complaint via the Better Business Bureau Complaint Portal on July 9, 2025. The Bank appreciates the opportunity to address the concerns raised by ******* ***** (the Customer) related to the transfers from their accounts.
Per the Banks previous response, external accounts are subject to verification in accordance with the Banks Deposit Account Agreement. On June 17, 2025, a Bank specialist informed the Customer that a three-way call with the external institution would be needed; however, the Customer declined to verify their external account. Alternatively, a Bank specialist advised that a check can be mailed to the Customer.
After further review of the Customers account, the Bank resolved the concerns to allow for ACH transfers to their linked accounts.
Based on the above details, the Bank kindly requests this complaint to be closed.
Initial Complaint
Date:06/17/2025
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 report a fraudulent account that has been opened in my name with Apple Card issued by Goldman Sachs Bank USA (***********). I am a victim of identity theft and did not authorize the opening of this account. Below are the details of the fraudulent account:Creditor Name: Apple Card / *********** Opened Date: 5/12/2021 Account Number: **************** High Credit: $11,360.00 I respectfully request that this account be closed immediately and that all negative information related to it be removed from my credit report. Please also provide written confirmation of the account's closure and any documentation available regarding the fraudulent *********** support my claim, I have attached a copy of my Identity Theft Complaint for your reference.Thank you for your prompt attention to this serious matter.
Business Response
Date: 07/01/2025
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 June 17, 2025. The Bank appreciates the opportunity to address the concerns raised by ******* ****** ****** (the Customer) related to an Apple Card account opened without authorization 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. ******** 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 May 12, 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 March 31, 2023, as a result of the Customer failing to make a payment to satisfy at least the minimum amount due by September 30, 2022. ******** successfully delivered Statement Available Reminders, Payment Due Reminders, Missed Payment Reminders, Early Delinquency reminders, and Eligible for ************* Reporting 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 remove the tradeline from the Customers credit report.

******** sent the Customer the requested documents on July 1, 2025 validating the Customer's debt including a copy of the Apple Card Customer Agreement and 12 months of statement history showing records of transactions and payments to validate the balance and the debt owed. The Customer is responsible for the balance on the account in the amount of $11,360.12.

Based on the above details, the Bank kindly requests for this complaint to be closed.
Initial Complaint
Date:06/16/2025
Type:Service or Repair 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.
My husband recently passed away, I have provided a small estate affidavit to Goldman Sachs with all other documents that they requested for a small savings account that my husband had and they are not releasing funds to me or providing any type of communication. My husband had other assets and a small business and I did not have any issues with either of those assets. The lawyer and judge stated that due to the amount being under $75,000 a small estate affidavit was sufficient in our case. Please help me resolve this issue since it has been months and Goldman Sachs is not responding or calling me back. Husbands name ***** *******
Business Response
Date: 07/01/2025
Goldman Sachs (the Bank)received the above-referenced complaint via the Better Business Bureau Complaint Portal on June 17, 2025. The Bank appreciates the opportunity to address the concerns raised by **** ******* related to the closure of ***** ******** (the *************************** account.
On June 16, 2025, **** ******* notified the Bank about the passing of the Deceased Customer. On June 24, ******** Bank contacted **** ******* to inform of the documents required in order to process the payout. Later that same day, the Bank mailed the documents to ************ Currently, the Bank is waiting to receive the completed documentation.
Based on the above details,the Bank kindly requests this complaint to be closed.
Customer Answer
Date: 07/02/2025
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]
Documents have been sent back via prepaid ***** envelope that was sent. I will wait on response from Goldmansachs since all of these documents were previously sent and somehow just went missing.

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

Sincerely,

**** *******

Business Response
Date: 07/11/2025
Goldman Sachs (the Bank) received the above-referenced complaint via the Better Business Bureau Complaint Portal on July 3, 2025. The Bank appreciates the opportunity to address the concerns raised by **** ******* related to the closure of ***** ******** (the *************************** account.
Per the Banks previous response, on June 24, 2025, the Bank mailed the documents required to process the payout to **** ***************** July 3, 2025, the Bank received the requested documents. After further review, the Bank approved the documentation and processed the closure of the Savings account with funds sent via check to the address provided by *** ******** Per the *** tracking number, ******************,the check was delivered on July 10, 2025.
Based on the above details, the Bank kindly requests this complaint to be closed.
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:06/16/2025
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.
The cardholder, my mother, ******* A. ******, passed away on September 24, 2024. Prior to her passing, an overpayment was made on her account. As the legally appointed Executor of her estate, I have been attempting to recover these funds on behalf of the estate for over eight months.Despite ***eated contact with ** Card customer support and sending the requested documents four times via certified mail (with proof of delivery), I have yet to receive a refund, case number, or confirmation of resolution. Most recently, I have been told to resubmit documents again, effectively restarting the process from the beginning. This is unacceptable and demonstrates a lack of accountability and case ownership.Timeline of Notable Interactions:3/4/25: **** ***** directed me to send documents to Remitco/Deluxe 3/18/25: ******* confirmed documents were received 4/14/25: ***** noted check amounts were requested on 4/7 5/2/25: Unnamed *** stated a check was mailed on 4/14 for $1,296.62 and $16.55 5/16/25: ****** noted check was likely lost in forwarding; **** confirmed no tracking 5/29/25: ***** confirmed check was issued but said 60-day wait required for investigation 6/16/25: Kindra, Michah, and Siad asked again for documents to be resent to PA address Summary of Case:Cardholder: ******* A. ****** Date of Death: September 24, 2024 Overpayment Amount: $1,329.04 Checks Issued:Check #****, Trace #*********** $1,348.64 Check #****, Trace #*********** $1,348.64 Bank: ******************** Certified Mail Documentation:All mailings included the Death Certificate, Will, Trust documents, and Affidavit of Successor:To PA Address (*************************************************************** *********1):10/10/24 Tracking: ********************** 11/22/24 Tracking: ********************** 12/19/24 Tracking: ********************** To DE Address (Remitco/Deluxe, ***************************************************):3/4/25 Tracking: ********************** Sent on 3/4/25 per supervisor direction
Business Response
Date: 06/30/2025
Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to GM Card via the Better Business Bureau (BBB) Complaint Portal on June 16, 2025. ******** appreciates the opportunity to address the concerns raised by ******* ****** related to ******* ****** (the Deceased Customer) related to a GM Card account closure.
******** conducted an investigation and confirmed no Bank error occurred. According to the Banks records, the documents were received October 17, 2024, December 2, 2024, December 24, 2024 and March 10, 2025. However, the required documents have not been provided. ******** can only provide account information to the confirmed estate administrator. The Consumer can send a photocopy of the documents to confirm the customer is deceased and a document verifying the estate administrator through the mail to Goldman Sachs **********, ****************************************************************. Once the Bank receives the documents, it may take up to 30 days to confirm; during this time, statements won't be sent out and nothing will be due on any potential account. Once confirmed, it may take up to 30 days to make any account corrections.
Based on the above details, the Bank kindly requests for this complaint to be closed.
Customer Answer
Date: 07/01/2025
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 provided the death certificate and all of the legal documents that I have in my possession that designate me the executor of the estate. Goldman Sachs seems to dispute that the documents I provided are sufficient to prove this fact. My mom's last Will also stated that anything in her personal possession at time of death was to be included as part of the estate that was in Trust. They have mislead me throughout this process, including having me send information to multiple addresses, stating a check was mailed and provided amounts, to only later on say they needed copies of paperwork again that I have already sent. For example why would request another copy of the death certificate when they have received it multiple times. Goldman Sachs is not being held accountable for making reasonable efforts to close this account. If the estate "owed" Goldman Sachs money at the time of death, they would have made claims against the estate and expected immediate payment.
The value of this claim is below $1400, and requiring me to mail copies multiple times, or getting a court to certify the Will because the executor of the estate documents don't meet their requirements should not be placed on the estate. Goldman Sachs won't acknowledge any of their own responsibility to pay back to the estate what is owed. I was also told by a legal advisor that once the person holding the card is deemed to be deceased, there is a waiting period but the funds should be sent back to the estate. It was a direct overpayments (2 of the exact amounts sent by my mother during he final days of illness). It is my belief that they have no intention of providing this refund that is owed to my mom's estate, and they keep the money in their own accounts. How many times do they do this by requiring unreasonable standard to provide death and estate ownership rights.
Why won't they work with me directly to ensure they receive the correct documents? They won't engage ion any level of conversation. They won't correspond via quicker channels of communication like email. They won't acknowledge what is wrong about the documents I have already provided. How can I keep sending the same documents and expect different results. This is unacceptable business practices and unreasonable burden on any consumer.

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

Sincerely,

******* ******

Customer Answer
Date: 07/14/2025
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:

While I did receive a call from a toll free number on July 10th at 5:32PM EST, when I tried calling back I was given to a *** who then had to escalate my case to a supervisor. The supervisor only gave me a phone number to a credit servicing agency named **************************. This appears to be a debt collection agency. I called them and provided information but it still has not been resolved. The fact I am being redirected to a debt collection agency is concerning but I will see how they respond before accepting this matter closed. Leaving 1 voice message and no direct line to contact the same supervisor in return is also not a proactive response. Base minimums is all they provide. They also still are not disclosing what was obtained on recorded calls regarding the process after the forms were mailed previously.

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

Sincerely,

******* ******

Business Response
Date: 07/18/2025
Goldman Sachs Bank USA (the Bank), received the above referenced complaint via the ************************************ on July 15, 2025. This account was transferred to **************************, and is no longer owned by the Bank.We would ask this complaint be redirected to **************************. They can be reached at **************.
Initial Complaint
Date:06/16/2025
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 made a purchase with my apple card and was wronged by the company after they failed to service me due to bankruptcy. The bank has never formally gotten my complaint fixed about my dispute. Ive had apple card support tell me that theyve actually never seen my evidence and that they dont even look at the evidence. This is so wrong and not fair to the consumer who trusted their credit card
Business Response
Date: 06/30/2025
Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to the Apple Card via the ************************ ("BBB") Complaint Portal on June 16, 2025. ******** appreciates the opportunity to address the concerns raised by ****** ******* (the Customer) related to a transaction dispute with the merchant Smiledirectclub in the amount of $2,250.00.
******** conducted an investigation and confirmed an inadvertent processing error occurred. The Customer initially disputed a transaction with the merchant Smiledirectclub between October 16, 2023 and March 25, 2025. According to the Banks records, the transaction disputed on October 16, 2023 was withdrawn as requested by the Customer. ******** applied a temporary credit while each reopened dispute was investigated. Due to a processing error, the initial dispute was resolved incorrectly in the merchants favor. As a result, the temporary credit previously applied to the Customers account was reversed between *********, 2023, and May 22, 2025. ******** sent the Customer an email detailing the dispute outcome.
The dispute was reopened on May 22, 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 sufficient evidence to substantiate the claim. As a result, the temporary credit that was applied to the Customers account was made permanent on June 30, 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.
Customer Answer
Date: 07/14/2025
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:06/12/2025
Type:Product Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On June 12, 2025, I contacted Goldman Sachs regarding my Apple card. I dealt with four total employees. The first three employees were incompetent and inappropriate.I and an ***** representative called and spoke with two Goldman employees. The first Goldman employee, like most of the others, was incompetent and unable to address my concerns. He quickly hung up on me and the ***** employee for no reason.The second Goldman employee with whom ***** and I spoke was incompetent and melodramatic. When I requested to speak with a supervisor, the employee (a woman) continued acting dramatic and wrongfully refused to get a supervisor. Even after I told this oddly acting employee my full name, she continued to call me "******." This employee had no interest in helping me as a Goldman customer.I contacted ********************** again and asked for a Supervisor. I spoke with ******. I asked ****** to file complaints relative to the previous calls. ****** rambled off-topic and seemed unable to focus squarely on the issue of lodging a complaint on my behalf against the prior two Goldman employees. When I explained that I had been issued a refund by ***** and did not see the full refund amounts in my account, she claimed that she had "never heard of anything like that." ***** was unfocused, unprofessional, ineffective, and useless to me in terms of helping me with my concerns about refunds.I did speak with an additional employee who was helpful. However, on balance, the Goldman employees with whom I spoke seemed obtuse, unfocused, dramatic, unprofessional, and worthless to me in terms of addressing my rather basis concern. I have to make approximately 5-10 calls total to reach someone who was capable of assisting me.
Customer Answer
Date: 06/12/2025
Better Business Bureau:

I withdraw the complaint effective immediately.

Sincerely,

**** ******
Initial Complaint
Date:06/12/2025
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: $283.00 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: 06/26/2025
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 June 12, 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 ****************************** conducted an investigation and confirmed no Bank error occurred. According to the Banks records, the Customer opened the Apple Card account and consented to the Apple Card Customer Agreement on July 6, 2021. As stated in the Apple Card Customer Agreement, the Bank may report information about the account to the ************************** which includes but is not limited to Late Payments, Missed Payments, or other defaults on the account.

The account was charged off on October 31, 2023, as a result of the Customer failing to make a payment to satisfy the minimum amount due by April 30, 2023. ******** confirmed the Customer had attempted payments on June 30, 2023, and February 04, 2025, however both payments were returned. ******** successfully delivered Statement Available Reminders, Payment Due Reminders, Missed Payment Reminders, Charge-Off Prevention reminders, and Eligible for ************* Reporting reminders to the email address on file.

******** sent the Customer the requested documents on June 16, 2025, validating the Customer's debt including a copy of the Apple Card Customer Agreement and ********* 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 $283.57 provided in the latest statement from February 28, 2025. ******** is obligated to report accurately to ************************* and is unable to update the Customers credit reporting. In the document attached to the complaint, the Customer referenced concerns related to an account with **********. The Customer should contact that company directly for further assistance.

Based on the above details, the Bank kindly requests for this complaint to be closed.
Initial Complaint
Date:06/11/2025
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.
Every day for the past 3 months I have received multiple phone calls on my cell phone and home phone. These phone calls are unsolicited calls offering my financing. I have asked in person and digitally to have these calls stopped. I have been told ***** times that I've been placed on their no call list, and they still continue.
Business Response
Date: 06/26/2025
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 June 12, 2025. The Bank appreciates the opportunity to address the concerns raised by ******** ***** (the Customer) related to unsolicited calls and being placed on the Do Not Call list.

******** conducted an investigation and confirmed no Bank error occurred. In the complaint narrative, the Customer referenced concern related to unsolicited calls. As it relates to the Apple Card, the **** does not engage in non-affiliate or affiliate marketing sharing, or affiliate sharing of credit worthiness data. As such, the **** does not offer the option for ***** Card customers to opt-out of such sharing, as there is no sharing for which an opt-out would apply. 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 ****************************************************************************************. ******** has successfully added the Customer to the Do Not Call list.

Based on the above details, the Bank kindly requests for this complaint to be closed.
Customer Answer
Date: 06/26/2025
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 never mentioned that this was an Apple card. The calls didn't reference an Apple card. The calls were from Goldman Sach's lending division.

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

Sincerely,

******** *****

Business Response
Date: 07/07/2025
Goldman Sachs Bank USA (the Bank), received the above-referenced complaint via the Better Business Bureau on June *******. As of December 23, 2024 personal loan enquiries are no longer serviced by Goldman Sachs ***********. We would ask this complaint be closed and concerns directed to Systems and *************************** They can be reached by phone at **************.

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The Goldman Sachs Group, Inc. is NOT a BBB Accredited Business.