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

  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

• 

  Goldman Sachs Personal Financial Managerment

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

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:07/15/2025

  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.

  THIS ***** ACCOUNT WAS SUPPOSED TO BE DELETED OFF OF MY CREDIT FILE WHICH WAS TOLD TO ME BY ***** ****** WHO IS IN THE EXECUTIVE TEAM ON 7-10-2025! THIS ACCOUNT WAS UPDATED AND ADDED BACK TO MY ****************** CREDIT FILE ON TODAY 7-15-2025! THE ACCOUNT WAS NOT SUPPOSED TO BE UPDATED IT WAS SUPPOSED TO BE DELETED! ***** ****** SAID THAT THE EXECUTIVE TEAM WAS NOT MAKING ME LIABLE FOR THIS ACCOUNT AND THIS ACCOUNT WAS GOING TO BE TAKEN OUT OF MY NAME ON 7-10-2025! IF THAT IS THE **** WHY IS THE ***** ACCOUNT REPORTING BACK TO MY CREDIT FILES WITH ***** CARD? I want to know why someone would call me about a fraud account and LIE ABOUT A ***** ACCOUNT BEING TAKEN OUT OF MY NAME? What type of games is this company playing and why did ***** ****** call me today lying TELLING ME THAT THE **** WOULD BE TAKEN OUT OF MY NAME ONLY FOR IT TO BE REPORTED BACK TO MY CREDIT FILES ON TODAY? THE NOTIFICATION NEED TO BE SENT TO ALL 3 CREDIT BUREAUS **** SO THIS **** CAN BE TAKEN OFF OF MY CREDIT FILE!

  Customer Answer

  Date: 07/17/2025

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

• Initial Complaint

  Date: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:06/29/2025

  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 3/19/2924 I paid $1,197.00 for 6 months of online crypto currency classes with ****** *******, a Mexican Influencer At the 3rd week of clases, he stopped responding messages on WhatsApp, or any other social media and didn't continue with the classes, after stealing 21k worth on crypto. from my Cash app and ******** account. He lured me to move my Bitcoins to his web page "**********************" (seized by the ***) were we would be working studying and generating more profit with real-time transactions. He never returned ny crypto or responded my messages anymore. I contracted Goldman Sacks explaining the situation and showing the proof of my accusations, asking them to refund me the money of the clases that I paid since not only I was victim of a scam, but also I didn't received the product that I paid for.After their "profound and exhaustive" investigation they decided in favor of the thief. I requested the documents provided by Mr. **** that lead them to take that decision. All they showed me it was a lame receipt, same receipt that I gave to them as part if my evidence (picture 1)I request the BBB to interfere and help me to recover at least $1197 of the total of $22,197.00 that this thief stole from me.Let's protect the honest working class people of this country and not the bandits cheaters from the outside

  Business Response

  Date: 07/14/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on June 30, 2025. ******** appreciates the opportunity to address the concerns raised by *********** ******* (the Customer) related to a transaction dispute with the Merchant Hotmart Monetizando En in the amount of $1,197.00.
  ******** conducted an investigation and confirmed no Bank error occurred. The Customer initially disputed the transaction from February 03, 2025 May *******. ******** 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 evidence provided shows the Customer had authorized the transaction. As a result, the temporary credit that was applied to the Customers account was reversed from April 14, 2025 July 10, 2025. ******** sent the Customer an email detailing the dispute outcome for each dispute. ******** contacted the Customer on July 14, 2025 to address the concerns and advised on the dispute evidence provided that we only provide services in English. The Customer is welcome to request a new investigation and provide additional evidence discussed, such as legible conversation history and a *** or police report that substantiates the Customers claim. Customers can send dispute evidence at any time by responding to the request for evidence email, by messaging the Bank in the Wallet app, or by mail to Goldman Sachs Bank USA, Salt Lake City Branch, Lockbox ******************************************************. The Customer should label all evidence with the case number and avoid sending original documents. If no new evidence is received by the Customer, the dispute resolution may not change.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

  Customer Answer

  Date: 07/17/2025

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

• Initial Complaint

  Date:06/27/2025

  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 lodge a complaint against *********** regarding an unauthorized account that has appeared on my credit report. The account in question, linked to APPLE CARD - ***********, was likely opened as a result of the 2017 ************ Breach, which compromised my personal information.I have reviewed my credit report and identified the following unauthorized account:Account Name: APPLE CARD - ******* USA,_Account Number: ********************** Opened: 04/29/2022,Despite submitting complaints and requests for resolution in the past, no action has been taken by ******* USA to address or rectify the situation. This unauthorized account is significantly affecting my credit score and causing me considerable financial distress.I request immediate investigation into this issue and the removal of the fraudulent account from my credit report. Furthermore, I expect to receive confirmation of corrective actions taken and assurance that no further unauthorized activities will occur.I trust that the BBB will assist in ensuring a prompt and fair resolution of this matter. I look forward to your swift response.

  Business Response

  Date: 07/10/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on June 30, 2025. ******** 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. 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 April 29, 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 account was closed and charged off on August 31, 2023, as a result of the Customer failing to make a payment to satisfy the amount due by February 28, 2023. ******** successfully delivered Statement Available Reminders, Payment Due Reminders, Missed Payment Reminders, Early Delinquency Reminders, Charge-Off Prevention Reminders, and Eligible for ************* Reporting Reminders to the email address on file.
  ******** confirmed the account was reported accurately to the **************************** ******** is obligated to report accurately to *************************** and is unable to update the Customers credit reporting.
  
  ******** sent the Customer the requested documents on July 7, 2025, validating the Customer's debt including a copy of the Apple Card Customer Agreement and 17 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 on the account in the amount of $7,545.18.
  
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:06/26/2025

  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 was charged for service that was never received and therefore I had them adjusted and they reverse it. I will take legal action if not resolved.3112.00

  Business Response

  Date: 07/10/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on June 26, 2025. ******** appreciates the opportunity to address the concerns raised by **** **** (the Customer) related to a transaction dispute with merchant 1-800Accountant in the amount of 3,112.00.
  
  ******** conducted an investigation and confirmed an inadvertent processing error occurred. The Customer initially disputed the transaction on March 6, 2025, and April 15, 2025. ******** applied a temporary credit while the dispute was investigated. Due to the processing error, the temporary credit was reversed on April 15, 2025, and June 26, 2025. ******** sent the Customer an email detailing each dispute outcome.
  
  The dispute was reopened on July 7, 2025, and the Bank applied a temporary credit while the dispute was re-investigated. The dispute was ruled in the Customers favor because the Bank determined the documents provided by the merchant were insufficient. The merchant evidence received did not match the Customers information. As a result, the temporary credit previously applied to the Customers account was made permanent on July 7, 2025. ******** sent the Customer an email detailing the dispute outcome.
  
  Based on the above details, the Bank kindly requests for this complaint to be closed.

  Customer Answer

  Date: 07/11/2025

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

• Initial Complaint

  Date:06/25/2025

  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 find this account to be incorporated with inaccurate information, I strongly believe this to be misleading and misrepresentation of my credit history.

  Business Response

  Date: 07/09/2025

  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 25, 2025. ******** appreciates the opportunity to address the concerns raised by ******* ****** Standard (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 November 23, 2020. As stated in the Apple Card Customer Agreement, the Bank may report information about the account to the ************************** which includes but is not limited to Late Payments, Missed Payments, or other defaults on the account. The account was charged off on January 31, 2024, as a result of the Customer failing to make a payment to satisfy the minimum amount due by July 31, 2023. ******** 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. ******** is obligated to report accurately to ************************* and is unable to update the Customers credit reporting.
  ******** sent the Customer the requested documents on June 30, 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. ******** is the original creditor and is not a debt collector. The Customer is responsible for the balance on the account in the amount of $3,217.51. During the investigation the Bank confirmed ********** was not reporting the tradeline for the Apple Card. ******** 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.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:06/24/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Dispute case number:********** Transaction date:Feb 14, 2025 Merchant name:Sl.Nord* Products Disputed amount:$****** Temporary credit:$****** I sent them the original and only payment I agreed with this company for $71.88 paid for one year in 2024 only noTHING ABOUT RENEWAL COMPROMISE I never agreed under my knowledge to pay another year for $****** and I did not receive any information or clearance from this obscure company, paying $71.88 in 2024 and pay $ ****** later is not smart , this company **** *** products found the way to take my money from the Apple Card . I never received any announcement about the plan to continue because I never planned to continue.We made a contract march 1 2024 to end in one year , I do not understand how they got anew renewal new contract for one person use without my consent for $****** Apple Card and the **** vpn company never showed to me records or signature of obscure agreements.I did not provide my verbal or signed agreement to release $****** from my credit card . ** ***** **** customer and card user I request the immediate cancellation of this outrageous transaction using my Apple Card to pay for a possible scam . Thank you

  Business Response

  Date: 07/09/2025

  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 25, 2025. ******** appreciates the opportunity to address the concerns raised by ******* ****** (the Customer) related the transaction dispute with the merchant Sl.Nord* Products in the amount of $179.88.
  ******** conducted an investigation and confirmed no bank error occurred. The Customer disputed the transaction on February 18, 2025, and April 08, 2025. ******** applied temporary credit while the dispute was investigated. Based on the investigation and a review of the evidence provided, the Bank resolved the dispute in favor of the merchant because the Customer did not terminate the subscription prior to the renewal date and the Customer has not provided sufficient evidence showing proof of cancellation made prior to the renewal date. As a result, the temporary credit that was applied to the Customers account was reversed on April 08, 2025, and June 24, 2025. ******** sent the Customer an email detailing each dispute outcome. The Customer will need to contact the merchant directly to cancel the subscription to avoid future transactions.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• 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:06/17/2025

  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.