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:02/28/2023

  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.

  There was proven fraud on my account and nothing was done. The provisional credit was reversed. 2 separate transactions 1- where I Expedia stole my money. I had an airline credit. I used the credit and they took the credit AND charged my card 2- I returned the purchased items to the seller. I had VIDEO PROOF at the time

  Business Response

  Date: 03/14/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on February 28, 2023. The Bank appreciates the opportunity to address the concerns raised by ******************************* (the Customer) related to transaction disputes with the Merchants American Airlines, and **** in the amounts of $27.72, $326.10 $299.10, and $208.66.
  The Customer contacted the Bank on December 23, ************************************** the amount of $27.72. The Bank applied a temporary credit while the dispute was investigated. Based on the investigation and the evidence provided, the Bank ruled the dispute in favor of the Customer. As a result, the temporary credit was made permanent on February 02, 2023. The Bank sent the Customer an email detailing the dispute outcome.
  The Customer contacted the Bank on December 23, ************************************** the amount of $326.10. The Bank applied a temporary credit while the dispute was investigated. Due to a processing error, the Bank ruled the dispute in favor of the Merchant. As a result, the Bank reversed the temporary credit on the Customers account on February 27, 2023. The Customer reopened the dispute on March 03, 2023 for the partial amount of $299.10. The Bank applied a temporary credit while the dispute was investigated. Based on the investigation and the evidence provided by the Customer, the Bank ruled the dispute in favor of the Customer. As a result, the temporary credit was made permanent on March 03, 2023. The Bank sent the Customer an email detailing the dispute outcome.
  The Customer contacted the Bank on December 07, ************************************** the amount of $208.66. The Bank applied a temporary credit while the dispute was investigated. Based on the investigation and the evidence, the Bank ruled the dispute in favor of the Merchant. The Merchant evidence provided shows the merchandise was delivered to the Customer successfully. Additionally, the Customer did not provide sufficient evidence to show that the Customer refused or rejected the delivery. As a result, the Bank reversed the temporary credit on the Customers account on February 18, 2023. The Bank sent the Customer an email detailing the dispute outcome.
  The Customer reopened the dispute in the amount of $208.66 on March 03, 2023. The 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. The Bank applied a temporary credit to the account on March 03, 2023. The temporary credit may not be available for use during the investigation.
  If the Customer has additional evidence to support their claim that the merchandise was rejected, the Customer can contact the Bank, and the Bank will review and consider the new evidence provided. Customers can send evidence by chat, or postal mail.
  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 have determined that my complaint has NOT been resolved because:

  There is not a complete resolution here. Once my complaint is completely resolved we can close this ticket.

   

   

   

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

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

  Business Response

  Date: 03/24/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on March 16, 2023. The Bank appreciates the opportunity to address the concerns raised by ******************************* (the Customer)related to transaction disputes with the Merchants American Airlines, and **** in the amounts of $27.72, $326.10 $299.10, and $208.66.
  As provided in the previous response, the Customer contacted the Bank on December 23, ************************************ the amount of $27.72. The Bank applied a temporary credit while the dispute was investigated.Based on the investigation and the evidence, the Bank ruled the dispute in favor of the Customer. As a result, the temporary credit was made permanent on February 02, 2023. The Bank sent the Customer an email detailing the dispute outcome.
  The Customer contacted the Bank on December 23, ************************************ the amount of $326.10. The Bank applied a temporary credit while the dispute was investigated. Due to a processing error, the Bank ruled the dispute in favor of the Merchant. As a result, the Bank reversed the temporary credit on the Customers account on February 27, 2023. The Customer reopened the dispute on March 03, 2023 for the partial amount of $299.10. The Bank applied a temporary credit while the dispute was investigated. Based on the investigation and the evidence provided by the Customer, the Bank ruled the dispute in favor of the Customer. As a result, the temporary credit was made permanent on March 03, 2023. The Bank sent the Customer an email detailing the dispute outcome.
  The Customer contacted the Bank on December 07, ************************************ the amount of $208.66. The Bank applied a temporary credit while the dispute was investigated. Based on the investigation and the evidence, the Bank ruled the dispute in favor of the Merchant. The Merchant evidence provided shows the merchandise was delivered to the Customer successfully. Additionally, the Customer did not provide sufficient evidence to show that the Customer refused or rejected the delivery. As a result, the Bank reversed the temporary credit on the Customers account on February 18, 2023.The Bank sent the Customer an email detailing the dispute outcome.
  The Customer reopened the dispute in the amount of $208.66 on March 03, 2023. The 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. The Bank applied a temporary credit to the account on March 03, 2023. The temporary credit may not be available for use during the investigation.
  If the Customer has additional evidence to support their claim that the merchandise was rejected, the Customer can contact the Bank, and the Bank will review and consider the new evidence provided. Customers can send evidence by chat, or postal mail. The Bank attempted to reach the Customer on March 22, 2023, and March 23, 2023 to provide this information, however was unable to reach the Customer.
  Based on the above details, we kindly request this complaint be closed.

  Customer Answer

  Date: 03/27/2023

  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:

  I am not available via phone, please use the referenced email address. There is not a complete resolution here. Once my complaint is completely resolved we can close this ticket.

   

   

   

   

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

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

• Initial Complaint

  Date:02/27/2023

  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 February 16, **************************************** app purchase of $499.99 for 1 year subscription for stock snipers stock alerts but after purchase I see its all about ***** stocks that can not be easily bought quickly on your phone like normal stocks so I requested a refund since its false advertising as theres no mention of ***** stocks or that a computer is needed to be ready at moments notice at all times. I was under impression that it was normal stocks and that phone apps could be used for the normal stocks to quickly change the stocks. No one is able to give me a refund or even look at the evidence that its false advertising and Apple manager just hangs up on me after Goldman keeps transferring me back to Apple.

  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 February 27, 2023. We appreciate the opportunity to address the concerns raised by *********************** (the Customer) related to a transaction in the amount of $499.99 with the merchant ***** Services posted on February 17, 2022.
  
  ******** conducted a review of the account and confirmed no Bank error occurred. ******** conducted a review of interactions and was unable to locate any record of misinformation provided by a Bank representative. The Customer contacted the Bank on February 27, ************************************************* the amount of $499.99 with the merchant ***** Services. ******** confirmed the Customer was appropriately directed to contact the merchant directly to request a refund. ******** is unable to locate any record of the Customer contacting the Bank to open a dispute for the transaction in the amount of $499.99 with the merchant ***** Services.
  On March 09, 2023, the Bank opened a dispute for the transaction in the amount of $499.99 with the merchant ***** Services and applied a temporary credit to the account while the dispute is investigated. The Customers dispute with ***** Services 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. The temporary credit may not be available for use during the investigation.
  A Bank Representative attempted to contact the Customer on March 03, 2023 and March 09, 2023 to further address their concerns, but was unsuccessful. If the Customer has further questions related to transaction disputes on the ***** Card account, they are welcome to contact the Bank.
  
  Based on the above details, we kindly request this complaint be closed.

• Initial Complaint

  Date:02/27/2023

  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 October 4th 2022 I was contacted by Goldman Sachs of fraud charges on my account, contact number was Goldman Sachs, believed it was their representatives. After providing Apple ID informations I was locked out of my apple account and two charges of $1,000 each were made in *********. I immediately called Goldman Sachs and advised it was not them who called me and was told they would freeze the two charges and filed a fraudulent report as well. Ive been contacted three times ( via email only ) stating I would be responsible for the charges. I have proof of my account being locked out and signed into two other phones. Goldman Sachs fraud department has never bothered to contact me in reference to gathering the proof I have, I had to call and request to send it myself and was later told nothing was ever attached. The charges were made in person in another state and I did everything I could to report these charges and Im still being held accountable.

  Business Response

  Date: 03/13/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on February 27, 2023. ******** appreciates the opportunity to address the concerns raised by *************************** (the Customer) related to 2 transaction disputes with the Merchant Target in the amounts of $1,000.00, and an unauthorized takeover of the Customers Apple Card. 
   
  ******** conducted an investigation and confirmed due to a processing error, the Customers transaction disputes were resolved in favor of the Merchant incorrectly. On October 4, 2022, the Customer contacted the Bank and advised that the Customer had given out the Apple ID information associated with the Apple Card account to a 3rd party and the account had been compromised. Additionally, the Customer advised that two transactions with the Merchant Target in the amounts of $1,000.00 were unauthorized. As a result, the Bank placed a restriction on the Customers account until confirmation that the Apple ID associated with the Apple Card account was secured. On November 11, 2022, the Bank confirmed the Customers Apple ID associated with the Apple Card account was secured. As a result, the Bank lifted the restriction on the Customers account. ******** will never contact the Customer and ask for the Customers Apple ID passcode.
  
  The unauthorized transactions were disputed on October 4, 2022, and December 21, 2022. ******** applied two temporary credits while the disputes were investigated. Due to a processing error, the transaction disputes were resolved incorrectly in favor of the Merchant. As a result, the temporary credits that were applied to the Customers account were reversed on December 21, 2022, and February 25, 2023. ******** sent the Customer an email detailing the dispute outcomes.
  
  The Customer reopened the disputes on February 8, 2023. ******** applied a temporary credit while the disputes were investigated. Based on the investigation and the confirmed processing error, the Bank ruled the disputes in favor of the Customer. As a result, the temporary credits that were applied to the Customers account were made permanent on March 13, 2023. The Bank sent the Customer an email detailing the dispute outcomes. ******** regrets the frustrations this Customer has experienced.
   
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:02/27/2023

  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.

  Goldman Sachs has been unable and unwilling to assist me in updating my contact information in reference to my Apple Card (credit card). The company continues to send emails to an old email address and, even though my Apple ID preferences have my current email and phone number, Goldman Sachs continues to use the outdated information. I have attempted to make these updates through the app and online, but it is not possible and apparently requires human interaction. I have called several times and the phone agents place me on hold, transfer the call, but never help. I simply want to update my phone number and email address.

  Business Response

  Date: 03/13/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on February 27, 2023. We appreciate the opportunity to address the concerns raised by ********************* (the Customer) related to updating the email address and phone number associated with the Apple Card account. 
  
  ******** conducted an investigation related to updating the email address associated with the Apple Card. ******** confirmed the Apple ID associated with the Customers Apple Card was provided by the Customer when they opened the account on December 10, 2019. Customers can update the email address associated with their Apple ID in their device or by contacting Apple directly for assistance,this will then update the email address associated with the Apple Card account.******** attempted to contact the Customer on March 13, 2023 to provide assistance with updating the email address associated with Apple Card but was unsuccessful with reaching the Customer. ******** is currently investigating and working on a resolution for the Customer.
  
  ******** conducted an investigation related to updating the phone number associated with the Apple Card and confirmed an inadvertent communication error occurred on February 24, 2023. As a result, the Customer was informed that the Bank is unable to update the Customers phone number in error. The Customer may contact the Bank directly for further assistance with updating their phone number. 
   
  Based on the above details, we kindly request this complaint to be closed. 

  Customer Answer

  Date: 03/14/2023

  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:02/22/2023

  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.

  Do not get an Apple Card by this fraud company . I have had nothing but issues . They will only side with any seller over customers. I order a clearly broken item show pics, show was from a company that has two names which I buy from one but get from other and what do you know they side with them . This was for over **** $ item I tried to get for my birthday. So happy birthday to me 3 months later they tell me sorry we side with them . Total fraud so having to report to my state DA . I highly suggest avoiding anything Apple . They really went downhill and have the worst service

  Business Response

  Date: 03/08/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on February 22, 2023. The Bank appreciates the opportunity to address the concerns raised by ******************************* (the Customer)related to a transaction dispute with the Merchant Arcademod in the amount of $1,089.89.
  The Bank conducted an investigation and confirmed no Bank error occurred. The transaction posted on November 08, 2022. The Customer initially opened the dispute on November 13, 2022, and January 31, 2023. The Bank applied a temporary credit while the dispute was investigated. Based on the investigation and the evidence, the Bank ruled the dispute in favor of the Merchant. The Customer confirmed the merchandise was received in acceptable condition. Additionally, the Customer reached out to the Merchant to help troubleshoot modifications, however it was determined the merchandise was damaged by the Customer. As a result, the Bank reversed the temporary credit on the Customers account on January 31, 2023, and March 02, 2023.
  The Customer reopened the dispute on March 02, 2023.  The Customers reopened dispute with Arcadmod 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. The Bank applied a temporary credit to the account on March 02, 2023. The temporary credit may not be available for use during the investigation.
  If the Customer has additional evidence to support their claim that the merchandise was damaged, or items were missing the Customer can contact the Bank and the Bank will consider the new evidence provided.Customers can send evidence by chat, or postal mail.
  Based on the above details, we kindly request this complaint be closed.

  Customer Answer

  Date: 03/09/2023

  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 not investigate nor get any info from me to prove items revived were damaged in shipment not by customer . The point is I reported fraud as I ordered from one company but got order from another . The item I ordered was plug and play not you build so again the merchant lied about me getting items in good order then says I broke when I installed.

  the mod did not even fit much less work . The merchant admitted over half of order was on back order but never sent those items but charged me for all . The credit card company is a total fraud when it comes to protecting customers . They did not allow you to provide evidence then sent me the merchant evidence all just made up emails not from my address. I have proof showing items on ********** and proof I just got a box full of broken parts and wires. This company does not care and I had to redispute by asking which the card company agreed since they did not allow me to provide evidence for my claim and did not care. I reported this the second I got a box from retro game solutions not arcade mod up I ordered from . Scam fraud company which this fraud credit card supports . They do not care or want to investigate .

  this credit card failed to protect the customer .

  *** can clearly see items on back order . The message they sent and picture of wires not plug and play like site advertised. False advertising and scam company this credit card refuses to acknowledge 

   

   

   

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

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

  Business Response

  Date: 05/26/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on May 21, 2023. The Bank appreciates the opportunity to address the concerns raised by ******************************* (the Customer) related to a transaction dispute with the Merchant Arcademod in the amount of $1,089.89.
  The Bank conducted an investigation. The transaction posted on November 08, 2022. The Customer initially opened the dispute on November 13, 2022, January 31, 2023, March 02, 2023, and March 16,2023. The Bank applied a temporary credit while the dispute was investigated.Based on the investigation and the evidence, the Bank ruled the dispute in favor of the Merchant. The Customer confirmed the merchandise was received in acceptable condition. Additionally, the Customer reached out to the Merchant to help troubleshoot modifications, however it was determined the merchandise was damaged by the Customer. As a result, the Bank reversed the temporary credit on the Customers account on January 31, 2023, March 02, 2023, March 16, 2023, and May 24, 2023.
  The Customer reopened the dispute on May 24, ******** Customers dispute with Arcademond remains under investigation, and the Bank expects completion within two full 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 Bank applied a temporary credit to the account on May 24, 2023. The temporary credit may not be available for use during the investigation. The Bank confirmed the Customers evidence was received on March 24, 2023, and it will be reviewed and considered for the open dispute.
  The Bank conducted a review of interactions and was unable to locate any misinformation provided by a Bank representative. If the Customer has additional evidence to support their claim that the merchandise was damaged, or items were missing the Customer can contact the Bank and the evidence will be considered for the current dispute. The Customer must provide additional evidence for the outcome of the dispute to change.Customers can send evidence by chat, or postal mail. The Bank attempted to reach the Customer on May 23, 2023, May 24, 2023, and May 25, 2023 to provide this information however was unable to reach the Customer.
  Based on the above details, we kindly request this complaint be closed.

  Customer Answer

  Date: 05/30/2023

  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:
  

  nothing was investigated .

  they did not investigate anything 

  they got a statement from the seller saying I tried to install and broke so its my fault .

  i never tried to install as you cant install a bunch of wires and broken input together parts morons . The pics show I got a mess of wires not as what is stated on the website a plug and play item . 
  I ordered a working one from Tesla arcade which can back me up what I got was not plug and play much less functional as arcademodup advertised, plug and play .

  i sent item back but seller admitte was upset I made a ******* about how scam two companies and bad work so refuses refund and apple sided with them .

  **** as you can see in pics tried to charge me twice from both his companies, retro game solutions under his name directly and arcademodup.

  A quick internet search will show arcademodup has this issue a lot but apple refuses to investigate.

  they allow me to reopen because they know they did not investigate they just took a statement as fact from sellers online form not from me .

  they refuse to allow me to send in proof but say they will but then side with seller again and then I reopen because they never allowed me to send proof. This is the 4th time now they have done this clearly do not care about me as a customer being ripped off for over 1000$ for broken wire mess .

  nowxeant me to get a third party on my dime to prove myself .

  telsa arcade made me what I tried to order  from arcademodup. It works fine zero issues plug and play . That is my proof arcademodup is a scam that sold me a broken product not what they lost which Id plug and play working item .

   

  Apple is not mentioning the fact that is only one issue, other is fact over hall order was on bsckorder I never got but arcademodup charged me and admitted this .

  apple is just bad a help and do not care so trying to blame me do they dont loose money to the fake business they are ok ripping me off 

   

   

   

   

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

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

• Initial Complaint

  Date:02/21/2023

  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 ordered a product over 9 months and I never received it. The cost of the product was over $1,500 and as soon as I saw that it wasnt in my front porch nor in my mailbox I called the bank to dispute it. The bank contacted me and I sent them all the evidence they requested to show proof that it was never delivered. Its been 9 months since then and they keep ruling against me for no reason at all (EVEN THO I KEEP SENDING EVERY TIME THE EVIDENCE THEY REQUEST) and this is not only outrageous but its ridiculous. What a mediocre way to treat ones customer

  Business Response

  Date: 03/07/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on February 21, 2023. The Bank appreciates the opportunity to address the concerns raised by ********************************* (the Customer) related to a transaction dispute with the Merchant *************** *n the amount of $1,515.49.
  The Bank conducted an investigation and confirmed no Bank error occurred. The transaction posted to the account on June 16, 2022. The Customer initially opened the dispute on June 16, 2022, and October 1, 2022.The Bank applied a temporary credit while the dispute was investigated. Based on the investigation and the evidence provided by the Customer and ***************** ruled the dispute in favor of the Merchant. The Customers and Merchants evidence confirmed the delivery of the merchandise to the Customer based on the tacking information provided. As a result, the Bank reversed the temporary credit on the Customer account on September 30, 2022, and December 16, 2022. The Bank sent the Customer an email detailing the dispute outcome.
  The Customer reopened the dispute on December 23, 2022. The Bank applied a temporary credit while the dispute was investigated. Based on the investigation and the evidence provided by the Customer and Merchant, the Bank ruled the dispute in favor of the Merchant. The Customers and Merchants evidence confirmed the delivery of the merchandise to the Customer based on the tacking information provided. As a result, the Bank reversed the temporary credit on the Customer account on February 20, 2023. The Bank sent the Customer an email detailing the dispute outcome.
  If the Customer has additional evidence to support their claim that the merchandise was not delivered, the Customer can contact the Bank and initiate a new dispute, and the Bank will review and consider the new evidence provided. Customers can send evidence by chat, or postal mail. The Customer should contact the Shipper directly with questions or concerns related to the delivery of the merchandise.
  Based on the above details, we kindly request this complaint be closed

  Customer Answer

  Date: 03/07/2023

  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]

  I have sent the bank evidence that the merchandise was not delivered. I sent screenshots of emails between me and the merchant where they say lets wait for the bank to see what they say. 

  Ive also asked the bank multiple times to ask the merchant for proof of delivery as the bank has sent papers to me with screenshots from the merchant that show a button where it says obtain proof of delivery and the merchant has never been able to send that.

  that merchandise was never delivered to me. It was delivered either somewhere else or lost by the carrier but I Never received that at all. Why havent you requested the proof of delivery as I asked you? What other evidence do you need from me besides the email conversation between me and the merchant? Do you need a picture of my front door empty? Or a picture of my mailbox empty as well?

   

   

   

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

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

  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 08, 2023. The Bank appreciates the opportunity to address the concerns raised by ********************************* (the Customer) related to a transaction dispute with the Merchant *************** *n the amount of $1,515.49.
  As provided in the previous response, the Bank conducted an investigation and confirmed no Bank error occurred. The transaction posted to the account on June 16, 2022. The Customer initially opened the dispute on June 16, 2022, October 1, 2022, December 23, 2022. The Bank applied a temporary credit while the dispute was investigated. Based on the investigation and the evidence provided by the Customer and Merchant, the Bank ruled the dispute in favor of the Merchant. The Customers and Merchants evidence confirmed the delivery of the merchandise to the Customer based on the tacking information provided. As a result, the Bank reversed the temporary credit on the Customer account on September 30, 2022, December 16, 2022, and February 20, 2023. The Bank sent the Customer an email detailing the dispute outcome.
  The dispute with us.roborock.com was reopened on March 07,2023 and remains under investigation. 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 Bank applied a temporary credit to the account on March 09, 2023. The temporary credit may not be available for use during the investigation.
  If the Customer has additional evidence to support their claim that the merchandise was not delivered, the Customer can contact the Bank and the Bank will review and consider the new evidence provided. Customers can send evidence by chat, or postal mail. The Bank sent the Customer Merchant evidence on August 11, 2022. The Customer should contact the Shipper or the Merchant directly with questions or concerns related to the delivery of the merchandise. The Bank contacted the Customer on March 16, 2023 to provide this information.
  Based on the above details, we kindly request this complaint be closed.

• Initial Complaint

  Date:02/17/2023

  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.

  I purchased cabinets for my kitchen and counter tops also one cabinet for the bathroom from Greensky for a total of *********. For day one that they where installed a have been having problems with them. The finishing of the paint is dicoloring. And the top of the wall where they took of the old parts from the old cabinets was never finished. I complained and they sent our investigator, they replace some of the doors cabinets but nothing was done with the ceiling wall. It discolor again they tell me that I'm cleaning them wrong. I have not made a payment beacause it was under investigation. They finally got back to me saying that the service was completed. I will like someone to come over and see what my cabinets look like. This cabinets where installed on the last week of Nov of 2022. Also the faucet that was installed on the sink broke the same day of use. I have photos of everything. I appreciate if you could help in this matter. Thank In advanced.

  Business Response

  Date: 02/21/2023

  GreenSky notified the merchant of the customers concerns regarding the product and installation that the merchant provided.  According to the merchant, they did a site inspection on 1/2/2023 and discovered the customer is leaving water on the cabinet doors, which caused the paint to peel.  The merchant stated they replaced the damaged doors and educated the customer how to take care of the cabinets moving forward. The customers merchant stated there was nothing more for them to do.  GreenSky is the loan servicer and advised the customer that she would have to work directly with the merchant regarding the quality of goods and / or services. It is our goal to provide excellent service.

• Initial Complaint

  Date:02/15/2023

  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.

  I'm filing a complaint against Goldman Sachs' 30-day late payment report on my credit report. I believe it's false and due to their negligence. I request the report be removed. I couldn't access my account and missed unauthorized charges. I paid off the card before my Apple ID changed, and reached out to Goldman Sachs. They couldn't help me update it. I scheduled payment, but they still reported me late. Goldman Sachs should offer access to update email/Apple IDs. I seek removal of the late payment report. No fee reimbursement, just removal. Please resolve this promptly.

  Business Response

  Date: 03/01/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on February 15, 2023. ******** appreciates the opportunity to address the concerns raised by *************************** (the Customer) related to credit reporting.
  ******** conducted an investigation and confirmed no Bank error occurred. The Customer did not make a payment to satisfy at least the minimum amount due by December 31, 2022, until February 06, 2023. As a result, the account was reported 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.
  On February 17, 2023, a Bank representative contacted the Customer to address their concerns. The Customer requested to dispute seven (7) unauthorized transactions from the merchant Experian in the amounts of $24.99 each. On February 17, 2023, all seven (7) disputes were initiated, and seven (7) temporary credits were applied to the account. On February 20, 2023, one (1) of the disputes was resolved in the Customers favor, and the temporary credit was made permanent. On February 28, 2023, the remaining six (6) disputes were resolved in the Customers favor, and the remaining six (6) temporary credits were made permanent. ******** sent emails to the Customer detailing the dispute resolutions. Due to the disputes being resolved in favor of the Customer, the December 2022 minimum amount due was credited, and the March 2023 credit reporting will be updated to remove the past due reporting.
  ******** is unable to modify the Apple ID linked to an Apple Card. The Customer can update the email address associated with the Apple ID by following the instructions in the support article below titled Change your Apple ID or by contacting Apple directly. Once the email address associated with the Apple ID is changed it will reflect on the Apple Card account.
  ****************************************.
  Based on the above details, we kindly request this complaint be closed.

• Initial Complaint

  Date:02/13/2023

  Type:Billing Issues
  Status:

  UnansweredMore 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.

  An unauthorized credit report hard inquiry was made by Green Sky Installment on 02/09/2022. Please remove this hard inquiry from my credit report.

• Initial Complaint

  Date:02/10/2023

  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.

  Goldman Sachs is doing some shady bossiness and ripping of Apple card users. First they overcharged me for iPhone 13 pro **** since we never saw trade in applied to total balance, it only showed as a credit, yet we paid that phone in full!! Called several times, and they were suppose to investigate, no one bothered to contact me and it's been over a year. This time, they locked my cash and they're not telling me why. I bought several Apple products and paid all of them on time, never been late and just recently after I paid off phone and 2 iPad's, I got increased credit limit for $500, that tells you something right? Just bought a new phone, didn't work properly and had to return it, got another phone and the watch and I have a nice cash back but they locked that amount and they want tell me why. My cash is locked and I was told that "they decide on that", meaning they don't have to tell me why? What kind of a shady business' is that? I will pay off what I owe and close this acc, it's such a shame what they're doing and they're ruining Apple reputation with this since majority of customers think that Apple is responsible for this but it is not, it's the *** I spoke one of their call centers supervisors and told her this and give them 24 hours to transfer that's cash to my bank acc. This will also be reported to Apple directly!

  Business Response

  Date: 02/24/2023

  BBB Response
  ******** #******** (Recd February 10, 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 February 10, 2023. The Bank appreciates the opportunity to address the concerns raised by ***************************** (the Customer) related to Daily ******************** conducted an investigation and confirmed no Bank error occurred. The bank records indicate that on August 21, 2021, the Customer made a purchase on ********* in the amount of $1,175.59. The Customer did not use Apple Card Monthly Installments (****) for this purchase. As a result, the device amount was applied to the account as a standard transaction subject to the variable APR assigned to the Apple Card. The Customer contacted the Bank on September 04, 2021, and requested to convert the amount of $1,175.59 to Apple Card Monthly Installments. The Bank confirmed the device was successfully converted to Apple Card Monthly Installment at 0% interest.
  On September 03, 2021, the Customer received a trade-in credit from Apple in the amount of $259.80. The credit was applied to the revolving balance on the account and created a credit balance of $226.52 on the revolving balance. The minimum payment due for the **** balance was paid using the credit from the revolving balance, $61.85 during the months of September 2021, October 2021, and November 2021. The minimum payment due in December 2021 was credited $40.97, which brings the total credited to the account $226.52. The statements show that the Customer made payments totaling $500.00 between September 01, 2021, and December 31, 2021, and the Installment balance was credited $776.52, which is the combination of the credit balance and the payments.
  On August 08, 2022, the Customer contacted the Bank and advised of a discrepancy in the Installment balance due to the credit from Apple not being applied directly to the Installment balance. A Bank representative attempted to contact the Customer on August 15, 2022, to address their concerns but was unsuccessful.
  The Banks records show that the Daily Cash earned on the Apple Card account has been auto-redeeming to the Customers Apple Cash account until January 27, 2023. As of February 23, 2023, the Customers Daily Cash balance is $11.16, and it can be redeemed as a statement credit at the Customers request. If the Customer has any concerns regarding the Apple Cash account, the Customer should contact Apple directly to address those concerns.
  Based on the above details, we kindly request this complaint be closed.

  Customer Answer

  Date: 02/27/2023

  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:

  My cash is till locked, $65.71, why? I have a bank statements on how much we paid for that phone, but it's been paid OK. You did not explain why is my PPLE CASH LOCKED?? I'm not talking about the daily cash I earned, I'm talking about the cash that I get for making purchase. 

  Answer Here] 

   

   

   

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

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

  Business Response

  Date: 03/10/2023

  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 01, 2023. ******** appreciates the opportunity to address the concerns raised by ***************************** (the Customer) related to Apple Cash.
  ******** conducted an investigation and confirmed no Bank error occurred. Although the Bank offers the Apple Card, the Bank does not offer or service Apple Cash. The Customer should raise any concerns regarding Apple Cash directly to Apple. A Bank representative attempted to contact the Customer on March 02, 2023, March 07, 2023, and March 08, 2023, to provide this information but was unsuccessful.
  Based on the above details, we kindly request this complaint be closed.

  Customer Answer

  Date: 04/20/2023

  This statement from the ** Bank is inaccurate, " ******** conducted an investigation and confirmed no Bank error occurred. Although the Bank offers the Apple Card, the Bank does not offer or service Apple Cash. The Customer should raise any concerns regarding Apple Cash directly to Apple. A Bank representative attempted to contact the Customer on March 02, 2023, March 07, 2023, and March 08, 2023, to provide this information but was unsuccessful.
  Based on the above details, we kindly request this complaint be closed".  Please provide proof of transaction with The Goldman Sachs Group, Inc." 

  Apple cash is earned by purchasing apple products, You can also transfer your Apple Cash to your bank account. If you have an Apple Card and choose to automatically save your Daily Cash in a Savings account, you can use Apple Cash to move money in and out. Every purchase you make with your Apple Card gets you up to 3% back in Daily Cash, and as a proof there is a statement attached again, that shows that bank owes me $65.71. That balance is showing on my acc as locked. I purchased 14 pro *** and a apple watch series 8, and only received $11 in a daily cash, and that's different from apple cash. No one called me or tried to reach out to me, and I did not receive any messages or emails. If I cant reach someone I leave a message so they can call me back, I did not get any massages from **.