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:03/27/2023

  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.

  Dispute account ownership, no proof of wet signature and id opening account.Reporting Late payments on a closed account. Account is listed as a student loan under report. Delete and remove from mg credit report.

  Business Response

  Date: 04/10/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on March 27, 2023. We appreciate the opportunity to address the concerns raised by ************************* (the Customer) related to credit reporting of an Apple Card Family account. 
  The Bank conducted an investigation and confirmed no error occurred. Based on the Banks investigation, the Bank has determined that the Customer agreed to be added as a Participant user on the Apple Card Family account on April 11, 2022. When the Customer accepted the invitation they provided information to the Bank, including information to be reported to the credit reporting agencies. The Bank confirmed the credit reporting is correct and accurate. The Bank is obligated to report accurately to credit reporting agencies.
  As a courtesy, the Bank submitted a request to remove the reporting from the Customers credit report. The Bank confirmed the credit reporting is correct and accurate as of the last furnishing. The Customer should allow 30 days for changes to reflect on the credit report.
  The Bank is unable to provide the Customer with signed documents as the Customer electronically consented to the Account Group Participant Terms & Conditions.
  Based on the above details, we kindly request this complaint be closed.

• Initial Complaint

  Date:03/24/2023

  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.

  When we signed up for leaf filter gutters. We signed up with a ****% interest rate. When the documents came is the interest rate was *****%. FRAUDULENT AS * * * * ! We have a 752 credit score with expririan. Why would we pay ****. For gutters that were installed wrong and they are coming back out. The sale was done on ****. We just received the documents today on ****. So we cant stop the contract due to this. This company is fraudulent as all **** I would of never signed dove a ****. Gutter system at *****% and pay ******** in interest alone. The sales reap was difficult as well. We demand it be brought back to **** % and see the contract we signed. Im a law enforcement officer and I know my wife and I would NEVER sign a *****% loan. Its higher than my credit cards. There is nothing you can say to stop me from posting this online since Im a disabled Veteran as well. I am a Non Commissioned Officer. Im smarter than what this horrible sale person, leaf guard and GreenSky. This corrupt nonsense will not be tolerated. My wife is very angry. You can deal with her.

  Business Response

  Date: 03/29/2023

  GreenSky is the loan servicer and did not participate in any activity related to the sales process of the product or its installation.  Greensky received the customers complaint and contacted the merchant.   The merchant provided a copy of the signed customer agreement, customer authorization form, and customer satisfaction form.  According to the signed customer agreement, the customer received the loan term plan offered by the merchant and disclosed on their documents.  GreenSky spoke with the customers and discussed the information disclosed on the documentation that we received from the merchant.  The customer stated that this is not what the merchant verbally communicated to them.  While we understand this may not be the response that the consumer was seeking, their concerns are directly related to communication between them and their merchant.   We suggested the customers contact the merchant to discuss this matter further. 

  Customer Answer

  Date: 03/30/2023

  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]

   

  its so easy to lie and pass the buck blaming others   Fraudulent as ****  when we are signing a contract the company should be involved and verify what the rates are   So easy to lie and blame sale rep

   

   

   

   

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

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

• Initial Complaint

  Date:03/21/2023

  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 had a *********** representative come to my house to explain to me about cost, installation, and price .Knowing that I had three days to change my mind,there where no occurrences that would change my mind so I continued with setting up the type of shower I wanted etc. Then after the three days were up, That's when the trouble began. First the contract said I need to start paying for the shower before it was installed, I told ************ my representative from *********** That, if the contract from GreenSky wasn't changed, I would cancel, GreenSky changed the contract that said payments would begin after the shower was installed, the next thing I know after every time a schedule was made to work on the shower, I got a bill from GreenSky even though the shower still hadn't been fully Installed. I noticed a paragraph that stated If I disputed Green Sky's contract I wouldn't have to pay. So I stopped payment. They never did a thing to correct the dispute and I continued to wait for the correction of my dispute. Recently GreenSky had started hacking into my phone to see if they could hack into my Banks checking account. Seeing that I installed Aura as my security. they stopped and then added a lien to my house.

  Business Response

  Date: 04/03/2023

  GreenSky reviewed the customer's account. It was determined that the customer activated the account and gave the merchant permission to transact the deposit when the loan was activated.  GreenSky did not attempt to hack into the customer's phone and did not place a lien on the customer's home. ********************** spoke with the customer regarding his concerns.  The customer stated that the shower is being installed next month and he is okay with releasing funds to the merchant. The customer did not have any additional concerns at this time.  It is our goal to provide excellent customer service.

• Initial Complaint

  Date:03/21/2023

  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.

  GOLDMAN SACHS IS THE WORST CREDIT CARD COMPANY. Around September I purchased $600 worth of products off a site called Stylevana through my Apple Card, It took them a month to even ship the items claiming 'some of the items weren't available' and they didn't tell me this until I contacted them myself, a few weeks later when the faulty tracking number said "delivered" ( by a VERY fishy courier which I've NEVER HEARD ABOUT), THE SHIPMENT WAS NO WHERE TO BE FOUND. I then contacted the company and they said the tracking says delivered and asked for MY PHOTO ID IN ORDER TO INVESTIGATE WITH A COURIER IVE NEVER HEARD OF. Why would I give my photo ID to a company in china????? so they can steal my information???? Then I DISPUTED WITH MY APPLE CREDIT CARD (which is managed by GOLDMAN SACHS) 2-3 TIMES SINCE MY FIRST DISPUTE AND EVERY TIME THEY SIDE WITH THE SCAMMY CHINESE COMPANY. Every time I'd contact apple customer service because I wanted to include proof I contacted the company and show what the company said and apple credit card **************** would say I'm fine and that if they need additional proof they'd contact me. They never contacted me and they only DECLINED MY DISPUTES. I was in good standing with this credit card company and now I'm just going to cancel it because THIS IS THE WORST CREDIT CARD COMPANY EVER. WHAT PROOF CAN YOU GIVE IF YOU Didn't RECEIVE THE ****** this company doesn't deserve loyal customers. YOU GUYS ARE GIVING A BAD REPUTATION TO APPLE.

  Business Response

  Date: 04/04/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on March 21, 2023. We appreciate the opportunity to address the concerns raised by ********************** (the Customer)related to a transaction in the amount $630.19 with the merchant **************** that posted on September 21, 2022.
  The Bank conducted an investigation and confirmed no bank error occurred. The Customer contacted the Bank on October 25, 2022 and December 09, ******************************************** the amounts $630.19 with the merchant ****************. The Bank applied temporary credits to the Customers account while the disputes were investigated. Based on the investigation,the Bank resolved the disputes in favor of the Merchant on December 09, 2022 and February 18, 2023, and the temporary credit were reversed from the Customers account. The Bank sent the Customer email correspondence detailing the dispute outcomes.
  The Bank confirmed the Customer re-opened the dispute for the transaction in the amount $630.19 with the merchant **************** on February 18, 2023. The Bank applied a temporary credit to the Customers account while the dispute was investigated. Based on the Banks investigation and evidence available, the Bank resolved the dispute in favor of the Merchant.Merchant evidence included proof of delivery of the merchandise to the address associated with the Customers order. Subsequent requests for evidence from the Customer did not provide substantial evidence to overturn the decision. The temporary credit was reversed from the Customers account on March 29, 2023,and the Bank sent the Customer an email detailing the dispute outcome. The Customer should contact the shipping carrier directly with any concerns related to successful delivery of the package.
  Based on the above details, we kindly request this complaint be closed.

• Initial Complaint

  Date:03/20/2023

  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 contacted my bank in reference to two transactions one for $246 (01/18/23 Ulta Beauty) and $99.64 (01/24/23 Sephora). Both packages state they were delivered according to tracking. Neither package ever was found I checked everywhere outside my home and even with my neighbors. I reached out to both merchants and both denied me a refund or even a reshipment. Therefore, I contacted my bank in an effort to receive my money back. It's not fair for me to have to pay for items I never received and I was quite disappointed in the way my bank handled the 'investigation' it was closed in the merchant's favor with the reasoning being the package was delivered. They could care less about my money. I opened a chargeback because the packages are still nowhere to be found and the merchants know that as well as I contacted them to resolve the issue before contacting the bank. I wish my bank would work harder to resolve this and get my money back

  Business Response

  Date: 04/03/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on March 20, 2023. The Bank appreciates the opportunity to address the concerns raised by ********************* (the Customer) related to transaction disputes with the merchants Sephora and Ulta ********************** conducted an investigation and confirmed no Bank error occurred. On January 21, 2023, the Customer authorized a purchase with the merchant Ulta Beauty in the amount of ******. On January 24, 2023, the Customer authorized a purchase with the merchant Sephora in the amount of $99.64. The Customer contacted the Bank on January 27, 2023, to dispute both purchases due to not receiving the merchandise, and temporary credits were applied to the account for each dispute.
  On March 09, 2023, the dispute in the amount of $****** was resolved holding the Customer liable for the transaction due to the merchant providing evidence showing the merchandise was delivered. On March 11, 2023, the dispute in the amount of $99.64 was resolved holding the Customer liable for the transaction due to the merchant providing evidence showing the merchandise was delivered. Each temporary credit was rebilled, and the Bank sent emails to the Customer detailing the dispute resolutions.
  At the Customers request, the Bank reopened each dispute on March 20, 2023, and temporary credits were applied to the account. The disputes remain under investigation, and the Bank expects completion within two billing-cycles after the date of receipt and no later than 90 days from date of receipt. During the investigation, the Customer does not incur interest for the amount of the dispute and is not responsible for repayment. The temporary credits may not be available for use during the investigation.
  Based on the above details, we kindly request this complaint be closed.

• Initial Complaint

  Date:03/20/2023

  Type:Sales and Advertising 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 financed a new AC system through greensky in January 2019. I have made every payment & doubled most payments. We had an emergency where my husband was rushed to the hospital & admitted. He had a hole in his colon & was inpatient at the hospital over a week. I figured calling greensky would be the easiest call since Im way afraid on my payments. They refused to even consider it. I asked to please defer one payment or use some of my overpayments towards the one payment. I had never missed a single payment yet they said we dont do that she then proceeded to tell me they were going to report me to the credit bureau. Then, on top of all this I start getting reminder calls & emails stating I made a promise to pay on the 20th. I made no such arrangement! I was not even sure when my husband would be released from the hospital & they just randomly put in some agreement that I did not even know anything about. I asked them to skip one $75 payment so my husband could recover & these people refused! They said just because I paid double payments does not mean I can skip payments. I only asked because it was a life or death emergency with my husband. This company, Greensky has zero cares about anything but trying to destroy their customers credit. They entered a payment arrangement without my knowledge! Their ethics are non existent! This is not a complaint on Goldman Sachs. Its a direct complaint on greensky financing & their financing department.

  Business Response

  Date: 03/27/2023

  We apologize for any inconvenience the customer experienced. We contacted the customer and she advised that she had already made a payment. It was explained to customer that deferred payments is not an option at this time.  We were unable to locate a promise to pay set up for the customer in our system.  As a courtesy, we contacted the customer about her past due payment.  At GreenSky we strive for excellent customer service and we will continue to improve our process.
  

  Customer Answer

  Date: 03/28/2023

  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]

   They did contact me however they said they were just confirming the receipt & theyd be in contact with me again that never happened. Also, someone setup an arrangement that I did not agree to why else did I suddenly receive emails, phone calls & messages about it? I do still have the emails. The arrangement didnt set itself up 

   

   

   

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

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

  Business Response

  Date: 04/06/2023

  We apologize for any inconvenience the customer experienced.  We contacted the customer and she provided a copy of the payment arrangement email confirmation that she received.  It was explained to the customer that the payment arrangement was set up as a courtesy.  Our records indicate that the customer requested to defer a payment on *********.  We were unable to defer the customers payment.  As a courtesy, the customers payment was extended to 3-20-2023 to allow her additional time to make the payment.  As a courtesy, we also followed up with the customer by phone and via email. At **********************, we strive for excellent customer service and we will continue to improve our process.

• Initial Complaint

  Date:03/20/2023

  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.

  My wife made the payment for 252 at the end of February like shes been doing the last three years the computer took the payment for only $250 the account was never put in arrears and we will never told that there was any issue with the late payment until my credit score dropped by 130 points saying that we are back in payment 30 days because instead of $252 only 250 were paid so for two dollars they put me 30 days late payment when it was not my error. I made the payment for ****************************************************************** this 250 and I was never given a warning that I was back to dollars, so they put my payment as a late payment for 30 days and they drop my credit. Please correct the credit for two dollars and for not receiving any warning they ruined my credit.

  Business Response

  Date: 03/29/2023

  GreenSky reviewed the customers account history.  It was found that we did not receive the required minimum payment due, and some payments were received after the due date.  Our records indicate we reached out to the customer to discuss the payments. We spoke with the account contact and advised the monthly minimum payment is required or it is considered late. While we understand the customers request to update their credit, we are required to report accurate information per the Fair Credit Reporting Act.  At GreenSky we strive for excellent customer service, and we will continue to improve our process.

  Customer Answer

  Date: 03/29/2023

  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]

   We have been paying the loan for the last three years without any issues. It was around 252Month. My wife made the payment that was due for the right amountTime when she made the payment for the exact amount it wasEntered as two dollars less. We never received a communication stating that we are late and when my wife will go online it showed the account up-to-date so that is a false claim that they called and sent this communication that we are in arrears and for supposedly in arrears, which we were not communicated for two dollars they put a credit head out of my credit for 30 days late which we were never made aware of we have been paying the loan for three years without any issue its predatory at inexcusable what they did that is not correct what they are Saying

   

   

   

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

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

  Customer Answer

  Date: 04/21/2023

  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]

   This does not answer my complaint. My complaint is that I was never told I was 30 days past two for $2 and for $2 they sent this to the credit bureau. I never received a late payment fee showing my late payment so the information they sent to the credit bureau was never communicated to me, and there was never shown on the statements as a late fee. What Im asking is to send a letter to the credit bureau saying I was not 30 days late because o never received a letter stating that I was past 30 days for 30 days and there was never a late payment 

   

   

   

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

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

  Business Response

  Date: 04/28/2023

  GreenSky sent the customer monthly statements to review his account activity, that included the required monthly payment due.  Additionally, our records indicate we made outbound calls to the customer regarding the minimum payment not being received.  In order to protect their credit and avoid any late reporting to the credit bureaus,  the customer is advised to make the required minimum payment by the payment due date.  As a courtesy, GreenSky resent the customer their transaction history and the statement showing the minimum payment was not received.   While we understand this is not the answer the customer is seeking, we followed our policies and procedures.

• Initial Complaint

  Date:03/17/2023

  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.

  On 2-28-23 the system took and processed a payment of $302.34 twice for my apple card. I called and told them about the error. They reversed the payment. The next day, My balance reflected the $302.34 plus the $230 for the installment balance. I called 5 times to get this resolved and I have yet to get a resolution. I was told I will be responsible for the revolving balance and I will have to pay the additional interest on the card when I made every effort to pay my card balance on time. Now I have to return the apple products to get the additional interest reversed and the payments to reflect the balance. Please help.

  Business Response

  Date: 03/31/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on March 17, 2023. ******** appreciates the opportunity to address the concerns raised by *********************************** (the Customer) related to a payment refund.
  ******** conducted an investigation and confirmed no Bank error occurred. On February 28, 2023, the Customer made two (2) payments in the amount of $302.34, and the account was credited for each payment. On March 01, 2023, the Customer contacted the Bank to request that one of the payments be reversed and refunded. ******** confirms on March 01, 2023, one of the ********* payments in the amount of $302.34 was refunded to the ********* financial institution.
  At the time of the payments, the ********* interest-free Installment balance was credited with $302.34, and the interest-bearing revolving balance was credited with $302.34. The payment refund resulted in a charge on the revolving balance to offset the original credit issued. On March 24, 2023, the Customer received two (2) refunds from the merchant Apple in the amounts of $1,199.00 and $83.93. As of March 27, 2023, the Installment line has a balance in the amount of $1,567.00, and the revolving line has a credit balance in the amount of $30.57.
  ******** confirms the account did not receive an interest charge in February 2023. To avoid interest charges, ********* are required to pay the monthly balance in full as of the end of the previous month by the due date every month. As of March 27, 2023, the account has a remaining monthly balance in the amount of $130.57 that must be paid to avoid interest charges.
  Based on the above details, we kindly request this complaint be closed.

• Initial Complaint

  Date:03/15/2023

  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, I am a victim of Identity Theft, I was in the ************ Breach, my social, drivers license, bank accounts, email and phone have been hacked. As a result 3 fraudulent accounts were found on my credit report.I initially wrote letters to the bureaus and called the creditors of those accounts. The Creditors said my name and address matched those accounts and were verified, I asked both in writing and on the phone to show me proof they were mine, and they said it was all done online. Would not show me contracts or anything. The Credit Bureaus blocked the accounts initially however *********** and Optumbank/Greensky and Discover resubmitted the accounts to the bureaus and after discussing with Fraud Supervisors in Experian and *********** they said they were unable to "reblock" the accounts and I must deal with the Creditors. I filed a report at my local *************** and the detective on the case told me they had 4 days to remove the fraudulent accounts after my affidavit and police report. Also showing the ************ Breach, Email Breach, and Phone Breach and Identity Theft.gov paperwork, Experian and *********** say they can do nothing more without *********** and GreenSky and Discover closing these accounts.The 3 accounts are as follows : *********** Account # *******************. Fraudulently Opened on 10/01/2019. (Identity Theft!).?OptumBank/Greensky Account #*******************. Fraudulently Opened on 09/01/2019. (Identity Theft!). Discover Account #*******************. Fraudulently Opened on 09/01/2021. (Identity Theft!).Thank You guys for what your do and I'd greatly appreciate any help.*********************************

  Business Response

  Date: 03/22/2023

  The customer has requested that ********************** contact him regarding this account in writing only.GreenSky has confirmed that the customer authorized this account and sent him the signed documents pertaining to this account via email per his request.  GreenSky has also confirmed that the customer has contacted ********************** previously regarding this account and that the customer has made several payments to the account. At GreenSky we strive for excellent customer service and will continue to improve our process.

  Customer Answer

  Date: 03/22/2023

  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]

   

   Im not sure who you have discussed this case with however it was not I. My name is ****** *******************.  My identity was stolen I can only assume. This account is for a *************************** and somehow got mixed with me. I provided the documents and identification. Remove this account from my social security number. I was part of the equifax breach as well as 2 other breaches stealing my social, drivers license, email, bank accounts, and even had mail forwarding. If a person was paying on this account contact them. It was not I, ****** *******************   

   

   

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

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

  Business Response

  Date: 03/31/2023

  GreenSky reviewed the customers account and confirmed that the phone number that the calls were received from and the account that the payments were received from have both been verified by our Fraud team to belong to the customer.  Per *********************** investigation there is no evidence to suggest Fraud at this time. As a result, the GreenSky account is accurately reporting to the credit agencies.  It is GreenSkys mission to provide exceptional service and we will continue to improve our process

• Initial Complaint

  Date:03/14/2023

  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 made a payment on March 11, and normally my payments show up right away. I usually transfer everything from my checking account to my Apple Card for protection from fraud. This particular instance, my funds were not released immediately like they normally are, so I contacted customer support. They told me to wait until Monday and I did just that after speaking to several supervisors, they told me that the escalation team could release the hold of my funds. They said the reason why my friends didnt post and I would have to wait till March 21, which is almost 2 weeks away at that time was because a payment rejected I let them know that it wasnt my fault the payment rejected that I had proof that another company double charged me by mistake and I submitted the screenshots of those emails, they told me to call back around 9 AM and the escalation team can override the hold when I contact them back they said that that wasnt something they were able to do which put me in a financial bind as I moved all of my money to the card, so I had no money for food or gas and I commute 80 miles a day to work back-and-forth and they kept telling me to wait till March 21 and I let them know how am I supposed to live off of $30 for eight days I cant even make it to work on that. They seem to like huge empathy and refused to help me any further. They didnt even acknowledge the fact that they lied to me and told me the escalation team could remove an override the hold they did not take into consideration that I provided some proof that it pulled from my checking account already And advised me to do a dispute with my bank account. Which I will not do because I work there, and the only way you can do a dispute from a posted ACH is file a fraud claim, which I will not do and will not lie and lose my job as I work for the company I bank and thats not the process. I need the funds released as now Im financially struggling because they took almost $700 from me and I cant use it.

  Business Response

  Date: 03/28/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on March 14, 2023. We appreciate the opportunity to address the concerns raised by ************************* (the Customer)related to a payment made on the Apple Card.
  The Bank conducted an investigation related to the payment and confirmed no bank error occurred. The Customer made a payment from their bank account in the amount of $699.82 on March 11, 2023. Payments are applied to the outstanding balance on the business day the payment is processed and interest does not accrue for the payment amount. The payment reflected in the Customers available credit on March 20, 2023. The amount of time it takes for payments made from a bank account to reflect in the available credit can vary based on the payment amount and account history. The Customer should continue making payments on time, and over time, faster updates should be experienced.The Apple Card Customer Agreement states after receiving a payment, the Bank can immediately increase the available credit, or delay increasing the available credit on the Account for a period of time. The Customer can check the status of the available credit by going to the Apple Wallet, online at card.apple.com, or by contacting the ***************** 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.