Complaints

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

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• 

  The Goldman Sachs Group, Inc.

  200 West Street New York, NY 10282-2102

• 

  Goldman Sachs Personal Financial Managerment

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

• 

  Goldman Sachs & Co

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

• 

  Goldman Sachs & Co

  34414 Peachtree Road North East Atlanta, GA 30326

• 

  Goldman Sachs

  555 California St. San Francisco, CA 94104

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

• Initial Complaint

  Date:04/11/2023

  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.

  In setting up my iPhone wallet with my personal credit card, Goldman Sachs caused a new credit account to be created without my knowledge or consent. A $26 dollar charge was made without my ever knowing or approving it. . I never received a bill or other way to know or pay. I have asked repeatedly to have this spurious charge removed as delinquent *** my credit profile. I use my Apple wallet for $50,000 or more per year with my Citibank card. I ***t know where the Goldman Sachs account came from and never requested it. My credit has been damaged severely and the creation of the account without my consent is likely a violation of federal banking and fair credit laws. It likely violates ********** CCPA regulations and other privacy provisions. This is my last stop before pursuing substantive civil action against the bank and Apple computer.

  Business Response

  Date: 04/25/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on April 11, 2023. ******** appreciates the opportunity to address the concerns raised by *********************** (the Customer) related to credit reporting and opening an Apple Card account.
   
  ******** conducted an investigation and confirmed no Bank error occurred. The Customer applied for an Apple Card on October 27, 2019. ******** approved the Customers application and presented an offer detailing the offered credit limit, Annual Percentage Rate and Apple Card Customer Agreement. The Customer had the option to accept or decline the offer. The Customer accepted the offer and opened the account.
  
  On November 9, 2019, the ****************** posted a transaction in the amount of $25.00 to the Customers account. ******** confirmed the transaction was made with Apple Pay. ******** has no further record of any further Merchants posting transactions to the Customers account. The Customers account did not receive the required minimum payment due for the months of December 2019, January 2020, February 2020, March 2020, April 2020, May 2020, and June 2020. ******** sent Payment Due Reminders, Missed Payment Reminders, Program Assistance Offers, and Eligible for Bureau Reporting reminders to the email address associated with the Apple ID provided by the Customer when the Apple Card account was opened. As a result, the Bank reported the account to the credit reporting agencies as past due.
  
  Additionally, the Bank charged off the Customers account on June 30, 2020. ******** confirmed the Customer contacted the Bank on September 4, 2021, and made a payment of $26.55 to pay the account to $0.00. ******** confirmed the credit reporting is correct and accurate, the Bank is obligated to report accurately to credit reporting agencies. ******** is unable to remove the Customers past due and charged off credit reporting.
  
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:04/10/2023

  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.

  To whom it may concern:Thank you for taking time to read this letter. Im writing because I noticed that my most recent credit report contains a 30 day late payment from (APPLE/GSBANK) I understand my financial obligations and I never intended to miss a payment. I have been unable to access my iCloud ************************* since October 7, 2021. The reason why is because I changed my phone number, so I didnt have access to ************ in order to pass the authentication process (4-digit code they send for verification). This led to me being locked out the account. I spoke to a rep a few months ago when I disputed the charges and explained that ** locked out of that old account. She processed the dispute, and I thought I was good to move on from there, but the dispute result didnt come back in my favor. The results were sent to that old email and its no way I could have ever known. I gave the rep my updated mailing address and phone number but still she sent it to that iCloud knowing I could never gain access to it. This morning I received the devastating news that I had 30-day late notice on my Experian and its tearing me to pieces. I paid off the total amount withing hours of receiving the news. I worked very hard to get my credit to where its at now and I was a month away from trying to purchase my dream home. I have always been in good standing with this company maintaining a zero balance for months before this situation occurred. I even had plans to re-apply with Goldman Sachs under my current apple id. It has never been my intentions to miss any payments. I simply just wasnt aware. I truly believe that this 30day late payment doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me and my family immensely if you could give me a second chance and make a goodwill adjustment to remove the 30 day late payment. Thank you for your consideration, and I hope youll approve my request I ******************************, most certainly made the representative I spoke to when I initiated the disputes, aware that I was unable to access that old iCloud account ************************** Its no way I could have ever known the disputes didnt come back in my favor. I never had a fair chance to fulfill my financial obligation to apple card/Goldman Sachs bank. I have also enclosed a copy of my ******** contract in which you will see that the activation of my phone number was in October 2021,therefore proving that I have not had access to my old phone number ************ since then. Further investigation of my old iCloud account ************************* will show that all messages before October 2021 will show unread because I simply cant gain access. If the representative would have noted the account and had my results mailed to me I could have had made this payment on time and avoided this stressful outcome. Please do not consciously avoid looking into my situation.

  Customer Answer

  Date: 04/22/2023

  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:04/10/2023

  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 filed a dispute last year in July. The dispute when in my favor. The provisional credit is permanent. The $112.00 has not be credited back to my account. I submitted a technical ticket with Apple in January of this year. It is now April 8th, 2023. I am still missing the $112.00 and the technical ticket is still open and not resolved. Apple refuses to escalate the ticket and have the tech support team to reach out. THIS IS UNACCEPTABLE, UNETHICAL, INCONSIDERATE, INSENSITIVE, AND WRONG ON SO MANY LEVELS.

  Business Response

  Date: 04/24/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on April 10, 2023. We appreciate the opportunity to address the concerns raised by ********************* (the Customer) related to a transaction dispute in the amount of $112.00 with the merchant ***************** that posted on June 16, 2022.
  ******** conducted a review of the account and confirmed the Customer contacted the Bank on June 21, ********************************************************************************* the amount $112.00. ******** applied a temporary credit to the Customers account while the dispute was investigated. On June 29, 2022, the Customer contacted the Bank and requested to withdraw the dispute. As requested by the Customer, the Bank withdrew the dispute, and the temporary credit was reversed from the Customers account. ******** sent the Customer an email detailing the dispute outcome.
  On August 23, 2022, the Customer reopened the dispute with the merchant ***************** in the amount $112.00 and the Bank applied a temporary credit to the Customers account while the dispute was investigated. During the investigation, the Customer does not incur interest for the amounts of the disputes and is not responsible for repayment. The temporary credits may not be available for use during the investigation. Based on the Banks investigation, the Bank ruled the dispute in favor of the Customer. The temporary credit that was applied to the account was made permanent, and the Bank sent the Customer an email detailing the dispute outcome on October 11, 2022.
  ******** conducted an investigation related to available credit on the Apple Card and confirmed due to an inadvertent system error, the Customer has been unable to use the $112.00 that was credited to the account on August 23, 2022. ******** is currently working to resolve the technology issue preventing the Customer from accessing the available credit in the amount $112.00. A Bank Representative contacted the Customer on April 21, ***************************************************************************************************************************************************************** the meantime, the Customer can check the status of the available credit by going to the Apple Wallet, online a* **************, or by contacting the Bank.
  ******** conducted a review of interactions and was unable to locate any record of mistreatment or misinformation provided by a Bank representative. ******** regrets the frustrations this Customer has experienced. 
  Based on the above details, we kindly request this complaint be closed.

• Initial Complaint

  Date:04/10/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 12/9/22 I purchased a new MacBook Air at the ********* Fld store. The total price was $1,085.16. i was approved for $500. Apple Card, which I used and put the remaining balance on my bank debit card. The Apple Rep. showed me how to access Apple Card to make monthly payments, which I've done monthly. The Apple Card number is not on my receipt, it's not on my Apple Card when I make monthly payments on line, only the dates and amounts paid/owed are listed. This is very concerning and rather odd, you have an Apple Card/account/payments, but there's not a card number to be found. My balance on the card is about $80., and can now afford to add AppleCare, being informed by ********** Specialists and Apple Support as no problem, that was 4/3/23. Today is 4/7/23 and I called ********** because I didn't receive confirmation that $216.66 was processed on my Apple Card for coverage. I have spent majority of my day with AppleCare Specialists, AppleCard Specialists, Apple reps. at *************** Apple Store, and at the end of the day still don't have my Apple Card number and had to spend $216.66 from my bank account, which negatively effects my monthly disability budget. According to AppleCard Specialists, the only way to get my card number is to have a iPhone, iPad, apple watch - I have MacBook Air only. At no time during the purchase, AppleCard application, demonstation to make payments was I informed that I can't get MY APPLECARD, virtually or a physical card with my MacBook Air or android phone. I would not have applied for the AppleCard (without access with my MacBook Air). I have had a MacBook Air since 2015. and in all my personal and professional life dealt with such deception/violation pertaining to my approved card, my monthly payments but have no card/account number to validate, track, dispute, possible fraud, etc. I have an Apple Product - but can only access through iPad, iPhone, apple watch. Absurd Practices/Restrictions that negatively affect me

  Business Response

  Date: 04/24/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on April 10, 2023. The Bank appreciates the opportunity to address the concerns raised by ************************* (the Customer) related to obtaining the Card number for the Apple ******************** conducted an investigation and confirmed no error occurred. Customers are able to apply online without an eligible device. To access and use all the features of Apple Card, the Customer must add Apple Card to Wallet on an iPhone or iPad with the latest version of iOS or iPadOS. This will also allow the Customer to manage their Apple Card on their device, request a titanium card, access the card number, and make purchases anywhere Mastercard is accepted. Otherwise, the Customer will only be able to use their Apple Line of Credit for certain eligible purchases online and in-store at Apple. The Customer is able to manage their account information online at card.apple.com if unable to view in Wallet. Additional details related to Apple Card eligibility requirements can be found in the Apple Card Customer ************************* 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, we kindly request this complaint be closed.

• Initial Complaint

  Date:04/07/2023

  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.

  Hello, my name is ***************************, and I currently hold a credit card from Goldman Sachs, which is my favorite of all the credit cards I own. I mailed Goldman Sachs several letters informing them of my financial hardship during this COVID-19 health crisis and recession. In the year of 2022 due to extreme financial hardship and medical problems, I became seriously behind on several of my bills. Although I made a mistake by becoming behind, I have since maintained a clean track record of making payments on time, and I intend to keep doing so because I don't want to damage my relationship with Goldman Sachs. I am currently trying to buy a house, but I am finding it difficult to get an affordable interest rate because of the negative impact this late payment has caused on my creditworthiness. I'm requesting an Accommodation under the Cares Act.I'm requesting an Accommodation under the Cares Act. Please update the late payment associated with the following account below to "Paid as Agreed" on my credit report, so I can get qualify for a mortgage with a low-interest rate & continue building my relationship with Goldman Sachs. Account #: ****************; Late Payment Date: December 2021, January 2022, February 2022, March 2022, April 2022, May 2022, June 2022, July 2022, September 2022, and October 2022..

  Business Response

  Date: 04/20/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on April 07, 2023. The Bank appreciates the opportunity to address the concerns raised by *************************** (the Customer)related to credit reporting for *********************** conducted an investigation and confirmed no Bank error occurred. The Customers account did not receive the required minimum payment due for the months of December 2021, January 2022, February 2022, March 2022, May 2022, June 2022, July 2022, August 2022, October 2022 and January 2023. The Bank has sent Payment Due Reminders, Missed Payment Reminders,Eligible for Bureau Reporting reminders, Program Assistance offers, and Charge Off Prevention Messages, to the email address associated with the Apple ID provided by the Customer when the Apple Card account was opened. ********************* has no record of the Customer contacting the Bank to request payment assistance during these times, or letters from the Customer informing of financial hardship. The Bank confirmed the credit reporting is correct and accurate, the Bank is obligated to report accurately to credit reporting agencies. The Bank is unable to remove the Customers past due credit reporting.
  Based on the above details, the Bank kindly requests for this complaint to be closed

• Initial Complaint

  Date:04/07/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for the debt with TRUIST/GREENSKY/THD LO. I do not have a contract with TRUIST/GREENSKY/THD LO.You guys need to handle this issue. This has been going on for a long time now that I have seen my information. That's messing my Character & name up as a person.They are in violation & told me 30 days when I had fraud. A identity theft with police report I had attatched as well, they are in major violation.

  Business Response

  Date: 04/19/2023

  GreenSky contacted the customer by phone and via email.  The customer was unresponsive. Based on our records, the customer activated the account.  The account was investigated for fraud and there no indication of fraud found.  While we do understand the customers desire to have the account removed from his credit report, GreenSky is obligated to report accurate information to the credit bureaus.  At GreenSky we strive for excellent customer service, and we will continue to improve our process.

• Initial Complaint

  Date:04/05/2023

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have $15,848.98 negative credit balance on my card. I requested a credit balance refund on Mar 15 via refund to my bank account ***** but I did not received funds yet. More then 10 business days passed and I requested to escalate refund on last Wednesday but no funds was refunded. I request initialize refund to my checking account immediately.

  Business Response

  Date: 04/18/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on April 05, 2023. ******** appreciates the opportunity to address the concerns raised by *************************** (the Customer) related to a credit balance refund.
  ******** conducted an investigation and confirmed no error occurred. On March 15, 2023, the Customer contacted the Bank and requested to have the credit balance on the account, in the amount of $15,848.98, refunded to their financial institution. ******** placed the account under review before processing the request. On April 14, 2023, the request was approved, and the credit balance was refunded to the ********* financial institution on file.
  ******** is unable to provide additional information related to the investigation.
  Based on the above details, we kindly request this complaint be closed.

  Customer Answer

  Date: 04/19/2023

  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:04/03/2023

  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.

  I own an Apple credit card that is controlled my Goldman Sachs. My payment is the 1st of every month and my autopayment is set up. It did not go through due to a technical error on their fault. Apple/Goldmansachs told me they have to report the late fee on the credit card even though it was one day late and paid. That is unfair that I am punished because of their glitched app.

  Business Response

  Date: 04/17/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on April 03, 2023. The Bank appreciates the opportunity to address the concerns raised by *************************** (the Customer)related to credit reporting.
  According to the Banks records, the Customer opened the account on April 23, 2022. During the application process, the Customer is provided with and must consent to the Apple Card Terms and Conditions, which discloses that payments are due by 11:59 PM ET on the last calendar day of each month. The agreement also discloses the Bank may report information to the ************************* regarding the account if Customers do not pay at least the Minimum Payment Due by the payment due date each month.  According to Bank records, the Customer made a payment on April 03, 2023, in the amount of $50.00. The Bank confirms there is not a current scheduled reoccurring payment set for the 1st of each month.The Customer can set up reoccurring payments through the Wallet App or by contacting the Bank. However the Customer should note this is after the payment due date each month.
  The Bank conducted an investigation and confirmed no Bank error occurred. The Bank does not have record the Customer contacted the Bank to report a technical issue with the Wallet App, and the inability to make payments. The bank did not experience an issue with drafting payments. The Customer was reported current with no negative reporting. The Bank confirmed reporting is accurate as of the last furnishing.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

  Customer Answer

  Date: 04/18/2023

  Better Business Bureau:
  
  There is incorrect statements made by Goldman Sachs. They stated  I did not contact them over this technical issue I was having with the payment. I did contact them and I was forwarded to Apple. I was told there may be late payment negative standing against me and I would hear back. I still have not received any more information from the Apple team that oversees the Apple card from Goldman Sachs. Although I do not agree will all the statements made from Goldman Sachs,  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 as long as there is no negative standing with this bank. All my dues are paid, and they are paid on TIME! Thank you BBB
  
  Sincerely,
  
  ***************************
  
  
  
   
  
  

• Initial Complaint

  Date:04/03/2023

  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 sent a letter to apple regarding this account on my credit report ACCT#****** $2,846.00 let the record reflect this is not my account. I tried reaching out to apple they in return advised me they have no record of this account, they encouraged me to reach out to Goldman Sachs direc tly. I in return am reaching out to you. I did recieve a phone all from a representative from your office who informed me they saw no account for me. I just want this to be resolved. I've attached a copy of my affidavit and im requesting a removal account.

  Business Response

  Date: 04/17/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on April 03, 2023. The Bank appreciates the opportunity to address the concerns raised by ********************************* (the Customer) related to an unauthorized Apple ******************** conducted an investigation and confirmed the account is currently under review. The Bank requires additional time to complete the investigation. A Bank representative attempted to contact the Customer to address their concerns on April 13, 2023, and April 14, 2023, but was unsuccessful.
  If the Customer has any additional questions or concerns, they can contact the Bank directly. Customers have the option to contact an Apple Card Specialist via chat using the Wallet App and/or via phone by calling **************.
  Based on the above details, we kindly request this complaint be closed.

  Customer Answer

  Date: 04/20/2023

  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]

   First and foremost i appreciate the company taking the time to respond, i as stated before spoke to a representative name ****** who mentioned she couldnt locate an account, i advised her i had no way of providing her with account information. THIS ISNT MY ACCOUNT, I COULDNT BE INSPECTOR GADGET I just want this situation rectified, its been well pass 30 days and i havent had a resoultion

   

   

   

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

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

  Business Response

  Date: 05/01/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on April 21, 2023. The Bank appreciates the opportunity to address the concerns raised by ********************************* (the Customer) related to an unauthorized Apple ******************** performed an investigation related to the account. Based on the Banks investigation, the Bank closed the account as confirmed ID Theft. The Bank submitted a request to have the inquiry and trade line removed from the Customers credit report on April 20, 2023. The Customer should allow up to 30 days for the changes to reflect on the credit report.
  Based on the above details, we kindly request this complaint be closed.

• Initial Complaint

  Date:04/03/2023

  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.

  I purchased a Mac mini on an installment loan. I returned the Mac Mini within the return window, and was given a credit of over $1,300 but it was credited to my Apple Credit Card. Goldman will not refund the large $1300+ credit on my card to my bank, or issue a check which is a violation of the law.

  Business Response

  Date: 04/17/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on April 03, 2023. ******** appreciates the opportunity to address the concerns raised by ********************* (the Customer) related to a credit balance.
  ******** conducted an investigation and confirmed no Bank error occurred. The Bank confirms the Customer had an Apple Card Monthly Installment balance of $3,476.00, and a revolving balance of $865.86 on March 22, 2023. On March 23, 2023, the Customer made a payment in the amount of $865.86, and on March 26, 2023, the Customer made a payment in the amount of $2,188.00. The Customers payment left a balance on the Installment line of $2,401.09, and a created a credit balance on the revolving line in the amount of $1,165.17.
  On March 29, 2023, the merchant Apple issued refunds in the amounts of $1,199.00 and $89.00. Both refunds were credited to the Installment line, bringing the Installment balance to $1,113.09. On March 31, 2023, the Customer contacted the Bank, and requested to have the excess credit on the revolving line refunded. The difference of $52.08 was refunded to the Customer on April 05, 2023, leaving a remaining credit balance of $1,113.09 on the revolving line.
  As a courtesy, the Bank applied the credit from the revolving line in the amount of $1,113.09 to the installment balance on the account on April 14, 2023. The new installment balance is $0.00, and the new revolving balance is $0.00.
  Based on the above details, we kindly request this complaint be closed.