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.

  100 Crescent Ct STE 1000 Dallas, TX 75201-7893

• 

  Goldman Sachs Personal Financial Managerment

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

• 

  Goldman Sachs & Co

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

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:03/13/2023

  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 have have been dealing with several disputes since October. My account was hacked and they made multiple purchases with similar amounts. When I disputed these the Apple team/Goldman Sachs member completely messed up all the disputes. The good thing is everything *** I have spoken to them has been through official chat which I have every message. I called by phone February 22th, because I was fed up. A manger who was helpful was able to figure out that, although the team member who made the disputes wrote that he completed them, in reality he didnt do it correctly. The manager apologized for the team members fault and tried to fix. She also filed a consumer complaint on the 22th. Explained to me that someone would reach out in 10 business days. They never did. On top of all of this I havent had an available balance due to the mix up of disputes. Havent used my card in months. So what does Apple do? They close my account on March 7th. There has been no real investigation, team members are ruining my credit and ability to use my card and no action was taken except closing my account because of it.I have messages dating back to October 15th, I saved all of them.

  Business Response

  Date: 03/27/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on March 9, 2023. ******** appreciates the opportunity to address the concerns raised by *********************** (the Customer) related to a closed Apple Card account, and fraudulent transactions for Apple Card.
   
  ******** conducted an investigation and confirmed no Bank error occurred. As part of the Banks review process, the Bank identified red flags related to the Customers account. Based on an investigation, and in accordance with the Apple Card Customer Agreement, the Bank closed the account and sent the Customer an email informing of the account closure on March 7, 2023. ******** is unable to provide additional information related to the investigation.
  
  The Customer contacted the Bank between September 7, 2022, and February 23, 2023, and disputed 13 transactions as fraudulent. Based on the investigation and a review of the evidence provided, the Bank ruled 8 of the 13 transaction disputes in favor of the Customer. The eight (8) associated temporary credits that were applied to the Customers account were made permanent. ******** sent the Customer an email detailing the dispute outcomes.
  
  Based on additional investigations the Bank ruled 4 of the 13 transaction disputes in favor of the Merchants. ******** conducted a review of the Customers account and was unable to locate any signs of fraudulent, suspicious, or an unauthorized takeover of the Customers account during the times these transactions took place. As a result, the Bank reversed the four (4) temporary credits that were applied to the Customers account. ******** sent the Customer an email detailing the dispute outcomes. 
  
  The Customers remaining dispute with ****** *********** remains 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. ******** applied a temporary credit to the account on February 13, 2023. The temporary credit may not be available for use during the investigation.
  
  ******** conducted a review of interactions and was unable to locate any record of mistreatment or misinformation provided by a Bank representative. ******** has no record of the Customer being told that the disputes were worked or resolved incorrectly. ******** reviewed the interaction with the Customer on February 22, 2023, and confirmed the Customer only requested to withdraw an open transaction dispute which was successfully withdrawn. ******** confirmed the credit reporting is correct and accurate. The Customer was reported current with no negative reporting. ******** is unable to reopen the Customers closed account.
  
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:03/13/2023

  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.

  In accordance with the fair credit Reporting Act Convergent Account #unknown; (Last 4 of SSN: ****), has violated my rights.15 USC ****a(2)(A)(i): Exclusions. The term "consumer report" does not include; any, report containing information solely as to transactions or experience between the consumer and the person making the report.15 USC **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions.15 USC 1666B: A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

  Business Response

  Date: 03/27/2023

  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 13, 2023. ******** appreciates the opportunity to address the concerns raised by ********************************* (the Customer) related to credit reporting for the Apple ******************** conducted an investigation and confirmed no error has occurred. According to the Banks records, the Customer opened an Apple Card and consented to the Apple Card Customer Agreement on July 31, 2021. As stated in the Apple Card Customer Agreement, the Bank may report information about the account to credit bureaus. The Customer did not make a payment to satisfy at least the minimum amount due by July 31, 2022, until September 16, 2022. The Customer did not make a payment to satisfy at least the minimum amount due by November 30, 2022, until January 13, 2023. As a result, the Bank reported the Customers account past due to the credit reporting agencies.
  ******** successfully delivered Statements, Payment Due Reminders, Missed Payment Reminders, and Eligible for Bureau Reporting reminders to the email address on file for the Customer. The account has been reported accurately to the credit bureau reporting agencies. ******** is obligated to report accurately to credit reporting agencies. ******** is unable to remove the late payment reporting from the Customers credit report.
  Based on the above details, we kindly request this complaint be closed.

• Initial Complaint

  Date:03/08/2023

  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.

  This complaint is against Goldman sachs bank ***. This complaint is not a duplicate complaint. I have two credit cards with gsbank gm extended rewards account ending **** my chevrolet rewards account ending **** on March 08, 2023 i contacted gsbank when i recieved notification that both my accounts are under review and cannot used both accounts, intil someone from the back office calls me. I told the rep that both of my accounts were unretricted on feb 24, 2023 when someone from back office team called me to let me know my identity was verified and both retrictions were removed from my account. But the agent said my accounts are in review someone will call me so i got no where so i hung up.I called back this time i was transfered to fraud **** the agent today read the feb 23 & 24, 2023 notes from headquarters backoffice team that my identity was verified.The agent told me she needs to call me from the phone number to verify my identity i agreed. the agent called me back and then wanted to send a passcode to my phone number to remove both blocks from my account so i can use them. i agreed and the agent sent passcode and she confirmed my identity.than she stated even thou my identity was verified i still need to wait on backoffice to call me to remove both retrictions. I told agent the backoffice already called me in feb 24, 2023 which calls were recorded, this is very silly so the agent ***** stated that she got other calls to assist like i wasnt important consumer and that i need to wait to someone calls me not me calling in so again i have to wait on backoffice to call me so i can use both of my accounts. even thou she verified notations and previousley identity verified retrictions lifted from both accounts.

  Business Response

  Date: 03/10/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the ** Card via the Better Business Bureau (BBB) Complaint Portal on March 8, 2023. We appreciate the opportunity to address the concerns raised by **************** (the Customer) related to two accounts being restricted.

  
  The Bank conducted an investigation and confirmed an agent error occurred. The Customer has a My ** Rewards Card and a ** Extended Family Card. As a part of a regular account review process, the Bank placed a restriction on the accounts until additional research could be completed. The Bank verified the needed information with the Customer on the phone and removed all restrictions from the accounts on March 8, 2023.

  
  At the time of this interaction, the Bank representative did not inform the Customer that the accounts were available for use, which prompted the Customer to call back. Once the Customer called back,the next Bank representative was able to advise the Customer of their available account status as of March 8, 2023.

  
  The Bank contacted the Customer on March *******, and advised the Customer of their account status.

  
  Based on the above details, we kindly request this complaint be closed.

  Customer Answer

  Date: 03/15/2023

  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.
  
   
  
   
  
  

• Initial Complaint

  Date:03/06/2023

  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.

  On Feb 28th I believed I completed a paid-in-full balance payment on the Goldman-Sachs Apple Card product I had, using the integration within my Apple Device. Upon completing the payment and using Face-ID to authenticate I set my device down believing it was complete. On the following day, I picked up the device and noted "payment failed" at the bottom of the screen and promptly followed the prompts again, this time selecting the new full balance and paying both the amount from the prior cycle and new cycle (which wasn't due for nearly 30 more days) in full. I entered GS-Apple Chat, and after a near two hour wait I requested a one time forgiveness of the fees and interest that *** accrue citing this as a first time occurrence and my good faith payment of a much larger amount due nearly one month later. The next day, a $25 credit was applied against a $59 charge. I again entered chat and requested a credit for the remaining amount, was told that wasn't possible, and an escalation was not available. I subsequently requested the account be closed, and it was. I was not informed the tools to manage the card would cease functioning including the ability to view current balances and pending charges, all necessary to pay the account off when those charges post.As a customer who paid their card product in full each month consistently, whom experienced a fair and reasonable technology issue and whom showed a good faith early payment of a larger future due balance, I would like GS-Apple to provide the requested credit difference between the $25 credited and the $59.** fee/interest billed and consider crediting any other fees that *** post due to this less than 12 hour one time mistake.

  Business Response

  Date: 03/20/2023

  The Bank conducted an investigation related to payments on the Apple Card and confirmed no Bank error occurred.  According to the Banks records, the Customer scheduled a one-time payment from their device on March 01, 2023 in the amount $5,549.47 to post on March 01, 2023. The Bank confirmed it processed payments in accordance with the scheduled payment instructions the Customer set up from their device. The Bank has no record of payments scheduled or failed payments on February 28, 2023.
  The Bank conducted an investigation related to interest charges on the Apple Card and confirmed no Bank error occurred. To avoid interest charges, Customers are required to pay the monthly balance in full as of the end of the previous month by the due date every month. If the monthly balance is not paid in full on or before the due date, Customers are charged interest on the monthly balance for the days until the Customer fully pays it off. This is also known as trailing interest. According to the Banks records, the Customers monthly balance as of January 31, 2023 was $1,751.86.The Bank confirmed a payment in the amount $5,549.47 was posted on March 01,2023.  As a result, the January balance was not paid by the February 28, 2023 due date, and the Bank assessed interest in the amount $59.68 on February 28, 2023. As a courtesy, the Bank issued a partial interest credit in the amount of $25.00 on March 01, 2023. The Bank is unable to credit additional interest charges as requested. Additional details regarding how the Bank calculates interest can be found in the Apple Card Customer Agreement.
  Based on the above details, we kindly request this complaint to be closed.

  Customer Answer

  Date: 03/21/2023

  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 product is entirely integrated with the iPhone.  When the payment failed for whatsoever reason when I put the phone down, the payment was delayed due to systems and technology you entirely control.  Furher, I entirely prepaid the new balance due in 30 days to compensante for my requestt.  

  I requested a one time courtesy credit on a high spend account as well.  I would not think you would create this kind of customer engagement and brand damage over $30~.  This approach is not consistent with any card product on the market nor consistent with the Apple brand message or other product experience. 

   

   

   

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

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

• Initial Complaint

  Date:03/06/2023

  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 8/8/2023 I purchased kitchen cabinets through the kitchens express company. I financed the purchase through greensky which initially came to a total of *******. Along with the alleged deferred interest of ****** that would bring the total balance to *******. I have been making payments of 200 dollars every month for the past three months and have not seen this principal balance decrease. Instead the entire amount has increased and the interest is included versus being deferred until the end of the loan.

  Business Response

  Date: 03/13/2023

  GreenSky reached out to the customer and went over her billing and loan terms.  The customer was advised that she would not be responsible for the interest accrued to the account if the amount charged is paid in full on or before the promotional end date.  It is GreenSkys mission to provide exceptional service and we will continue to improve our process.

• Initial Complaint

  Date:03/06/2023

  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.

  Banking routing number - #********* banking account number - #************ Open date - 06/12/2020 close date - 03/19/2021 I was not aware of this account I got a copy of my consumer report and seen that I had an account with you guys

  Business Response

  Date: 03/20/2023

  BBB Response *******,
  ID ********
  ****** by Goldman Sachs, a brand of Goldman Sachs Bank *** (the "Bank"), received the above-referenced complaint via the Better Business Bureau Complaint Portal on March 6, 2023. The Bank appreciates the opportunity to address the concerns raised by ************************* (the "Consumer") related to consumer reporting on an unauthorized ************** Account (OSA) and Certificate of Deposit (CD) opened.
  According to our records, an OSA was opened on June 12, 2020 and a CD was opened on June 26, 2020, in the Consumers name. On October 21, 2020, the Bank closed the accounts due to security concerns and restricted the profile prevent further activity.
  The Bank is current reviewing the status of the reporting to the consumer reporting agency; however, to assist with the review, the Bank requests that the Consumer advises the Bank on which consumer report the account information appeared. On March 20, 2023, the Bank attempted unsuccessfully to contact the Consumer to request additional information. The Bank requests the Consumer contact the Bank at ************** ***************), Monday to Friday, 8 am - 10 pm, or Saturday to Sunday, 9 am - 7 pm ET to provide additional details.
  Based on the above details, the Bank kindly requests this complaint to be closed.

• Initial Complaint

  Date:03/06/2023

  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 sent a check via **** to an address provided by Apple/Goldman Sachs (confirmed multiple times) on February 10th, 2023. To this day, March 3rd, 2023, the check has not been processed. Goldman Sachs has a $70 Billion net worth, Apple has a $3000 billion net worth. There is absolutely no reason why my check has not been processed/or found. I have been continuously told to continue to call and check back. When I sent the check via ****, I also sent other creditors checks for payments. **************** and ************ received and processed the check within THREE DAYS, not a month. I do believe this is wrong because it will affect my credit and therefore provide me with difficulties down the line if I am wanting a credit check. With a net worth both over a billion dollars, one a bank/company on ***********, there is no reason.

  Customer Answer

  Date: 03/06/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and I would like to retract this complaint. I received notification from my bank regarding the mail carrier returned the check back to the bank. I would like to formally apologize to the BBB and Goldman Sachs for any inconvenience.
  
  Sincerely,
  
  *********************
  
  
  
   
  
  

• Initial Complaint

  Date:03/03/2023

  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 closed my credit account around February 20th and Apple or Goldman Sachs refuses to recognize it as closed and has failed to record it to the credit bureaus as closed. So they are affecting my credit report. After calling them today they claim they are taking care of it. Yet it's still showing open. They claim they are creating a credit ***** dispute to fix the inaccurate error yet they have failed to recognize experian is also requesting that the account be closed in the dispute I filed there. This bank is ***** in it's business practices and refuses to comply with proper credit reporting showing my account should be closed.

  Business Response

  Date: 03/17/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on March 03, 2023. The Bank appreciates the opportunity to address the concerns raised by ******************************* (the Customer)related to credit reporting.
  The Bank conducted an investigation and confirmed no Bank error occurred. The Customer contacted the Bank on February 02, 2023,requesting to have the account closed. The Bank closed the account and sent the Customer an email advising the account is no longer able to be used.
  The Bank confirmed the credit reporting is correct and accurate. The Customer was reported current with no negative reporting. The Bank confirmed reporting is accurate as of the last furnishing for January 2023. The Bank aims to report to the credit bureau agencies by the 3rd week of each month for the previous month. The Customers account will be reported as closed in the next credit report furnishing for February 2023.
  The Bank conducted a review of interactions and was unable to locate any record of mistreatment or misinformation provided by a Bank representative. The Bank confirms a dispute was submitted on March 02, 2023,and the Bank sent the Customer an email detailing the outcome on March 07,2023.
  Based on the above details, we kindly request this complaint be closed

• Initial Complaint

  Date:03/03/2023

  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.

  My husband currently has a credit card with Apple, and on Feb. 2, 2023 he received an invitation from Apple to "Welcome a Co-Owner to the account by Feb. 6, 2023, and receive a $100 in daily cash when the new ***owner spends $100 in the first 30-days". On Feb. 2, 2023, he added a ***** ***owner to the account and submitted required documentation for approval. Apple has documented that the ***owner application was approved on Feb. 5, 2023, but we did not receive the "Welcome email" until, Feb. 7, 2023. The new ***owner has spent over $100 within the 30-day window as required to receive the $100 daily cash bonus. After contacting Apple-Goldman Sachs Group, **** with our complaint; we have been denied the advertised $100 cash bonus due to their claims that we missed the deadline window of (February 6, 2023). Please note that we have ALL documentation showing the following: 1) Apple Email Offer dated 2/2/2023, 2) Application of ***owner submitted on 2/2/2023, 3) Verbal confirmation on a recorded line of ***owner approval on 2/5/2023, and 4) Apple Card Welcome email dated 2/7/2023. Apple card has confirmed that we DID apply on 2/2/2023, were APPROVED on 2/5/2023. Yet they are still denying us the $100 daily cash as advertised. All documentation is available for submission as proof of the above. Shame on you Apple-Goldman Sachs Group, **** Honor your offer! All of the calls I have made confirming the above were captured on a recorded line as proof. (A call was made to a woman at Apple customer service on a recorded line, confirming the promotion details).

  Business Response

  Date: 03/17/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on March 3, 2023. The Bank appreciates the opportunity to address the concerns raised by ********************* (the Customer) related to a Daily Cash promotion for *********************** conducted an investigation and confirmed no error occurred. The Terms and Conditions of the promotion state Co-Owners who are added to an Apple Card Family account from January 24, 2023, to February 6,2023, will receive $100.00 in Daily Cash after spending $100.00 or more within 30 days of being added to the Apple Card Family account. Co-Owners added before January 24, 2023, and after February 6, 2023, do not qualify. The Bank confirmed the Customer applied and was provided an offer on February 2, 2023 but did not accept the offer and book the account until February 8, 2023. As a result, the Customer was not eligible for the Daily Cash promotion of $100.00.As a one time courtesy the Bank provided the Customer with a $100.00 statement credit on March 07, 2023. The Bank contacted the Customer on March 06, 2023 and provided this information.
  The Bank 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.

  Customer Answer

  Date: 03/20/2023

  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. Although I feel they were not truthful in their statement. Thank you.
  
  Sincerely,
  
  *********************
  
  
  
   
  
  

• Initial Complaint

  Date:03/01/2023

  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.

  On February 13 a fraudulent transaction was committed on my Apple Goldman Sachs card. The Goldman Sachs fraud department has since then failed to resolve the issue after more than two weeks after initially promising the matter would be resolved in 24 hours. They continue to make promises about calling back and resolving the issue, but failed to do so every time. After more than two weeks I now have a notice saying that payment is due, but have no access to my account. I have no access to any of my Apple ID services or account. Today they have provided no evidence that they have made any progress in resolving the matter.

  Business Response

  Date: 03/15/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on March 01,2023. The Bank appreciates the opportunity to address the concerns raised by *********************** (the Customer) related to a restricted Apple Card account.
  The Bank conducted an investigation and confirmed due to a processing error, the Customers account was placed on a restriction for an extended amount of time.As a part of a regular account review process, a restriction was placed on the account on February 18, 2023 until additional research could be completed. The Bank spoke with the Customer on March 02, ************************************************************** password, and the account restriction was removed. The Customers account is now active and is able to be used.
  The Bank conducted an additional investigation of the interactions with the Customer and found no record of the Customer being told the restriction would be lifted within 24 hours. The Bank regrets any frustration the Customer may have experienced.
  The Customer contacted the Bank on February 28, ************************************************** the amounts of $1,645.41, $1,645.41, $1,710.02, and $1,762.59.Temporary credits were applied to the account while the disputes were investigated. Based on an investigation, the Bank resolved the disputes in favor of the Customer and the temporary credits were made permanent on March 13, 2023.The Bank sent the Customer emails detailing the outcomes.
  Based on the above details, the Bank kindly requests for this complaint to be closed.