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 & Co.

  100 Crescent Ct STE 1000 Dallas, TX 75201-7893

• 

  Goldman Sachs 10,000 Small Businesses Program

  550 East Spring Street Columbus, OH 43215

• 

  Goldman Sachs

  555 California St. San Francisco, CA 94104

• 

  Goldman Sachs Personal Financial Managerment

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

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

• Initial Complaint

  Date:01/12/2023

  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.

  Apple ******************************** has still not updated my 3 credit reports, trans Union, Equifax, and Experian. I filed bankruptcy on November 1, two months ago, my lawyer sent Goldman Sachs/Apple Card, a letter of proof of my bankruptcy. Yet on all 3 credit reports, the Apple Card account shows thats its still open. I am asking Apple Card to immediately contact all three credit bureaus and close my Apple Card accounts on each one to show in bankruptcy and closed.

  Business Response

  Date: 01/26/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on January 12, 2023. ******** appreciates the opportunity to address the concerns raised by *************************** (the Customer) related to credit reporting for Apple Card.
  ******** conducted an investigation and confirmed no Bank error occurred. On December 13, 2022, the Bank received bankruptcy petition documents with a petition date of November 1, 2022. On December 13, 2022, the Bank submitted a request to the credit reporting agencies to update the Customers reporting to petitioned for chapter 13 bankruptcy. As a result, the Bank confirmed the Customers account is being reported as closed and is not being reported as charged off or delinquent as of the Banks last reporting date of December 31,2022. Additionally, once the Customers bankruptcy petition is complete, the Bank will further update the Customers reporting as needed. ******** confirmed the credit reporting is correct and accurate. ******** is obligated to report accurately to credit reporting agencies. The Customer should contact the credit reporting agencies directly with questions in regard to what is showing on the credit reporting.
  Based on the above details, the Bank kindly requests for this complaint to be closed

• Initial Complaint

  Date:01/11/2023

  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.

  Hello, I have a son with disabilities, and often he does things impulsively. On January 4th he accessed my phone and purchased three apps from Apple Store. He did not intend to buy but said he couldnt control himself. Upon finding this out, I immediately canceled all subscriptions. I contacted Apple immediately, but they told me I had to wait to have this reversed. Days later, they told me there was nothing they could do. I don't use these apps due to the immediate cancellation, and my money was taken, so money was wasted on my end. I would like for you to consider refunding these. It was a mistake and due to issues that my son faces. Moving forward, I will find a way not to have this happen, but in this case, I would like a refund. Thank you! The app info **********************, and **********

  Business Response

  Date: 01/25/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on January 11, 2023. ******** appreciates the opportunity to address the concerns raised by *************************** (the Customer) related to transaction disputes with the ************** Services in the amounts of $17.41, $*****, and $32.65.
  ******** conducted an investigation and confirmed no Bank error occurred. The transactions in the amounts of $17.41 and $***** posted to the account on January 04, *************************** the amount of $32.65 posted to the account on January 05, 2023. On January 12, 2023, the Bank disputed the transactions and applied temporary credits while the disputes were investigated. Based on an investigation, the Bank resolved the disputes in the amounts of $17.41 and ***** in favor of the Customer. The temporary credits were made permanent on January 12, 2023. ******** sent the Customer an email detailing the dispute outcomes.
  Based on the investigation, the Bank resolved the dispute in the amount of $***** in favor of the Merchant as the Merchant provided the Customer with a credit. As a result, the Bank reversed the temporary credit on January 19, 2023. ******** sent the Customer an email detailing the dispute outcome.
  On January 24, 2023, the Bank contacted the Customer and provided this information.
  Based on the above details, we kindly request this complaint be closed.

• Initial Complaint

  Date:01/11/2023

  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 about my Apple Card account. In the last week of December, I earned Apple Daily Cash on 2 transactions but Apple Card did not make it available for me to use, either towards my balance or as a transfer to an external account. Theres simply no longer a button or menu that allows me to use that cash balance. Apple seems to have kept it for itself. Im asking for access to Daily Cash balance. Currently the unused balance is $4.77. Apple Card has no customer service number and its help text/FAQs were not able to resolve the issue.

  Business Response

  Date: 01/25/2023

  
  
  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on January 11, 2023. ******** appreciates the opportunity to address the concerns raised by ************************* (the Customer) related to Daily Cash Rewards for Apple Card.
   
  ******** conducted an investigation and confirmed no Bank error occurred. On December 30, 2022, and January 2, 2023, the Merchants Giant Food and ******** posted transactions in the amounts of $128.33 and $109.96 to the Customers account. As a result, the Customer earned Daily Cash Rewards in the amounts of $2.57, and $2.20, totaling $4.77. As stated in the Apple Card Customer Agreement, if the Customer has an Apple Cash account that is active and in good standing, the Bank will automatically transfer Daily Cash earned to the Customers Apple Cash account. ********s records confirmed the Customer did not set up an Apple Cash account until January 12, 2023. As a result, the Customer would only be able to redeem the Daily Cash as a statement credit. Customers can apply Daily Cash in the Wallet App in the ******************
  
  On January 12, 2023, the Bank transferred the Customers Daily Cash Balance of $4.77 to the Customers Apple Cash account. The Customer can continue to keep the Daily Cash earned in Apple Cash or apply it as a statement credit. ******** is available by phone at ************** or by message from the Wallet app. Apple Card Specialists are available 24 hours a day, 7 days a week.
  
  Based on the above details, the Bank kindly requests for this complaint to be closed.

  Customer Answer

  Date: 01/27/2023

  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:01/09/2023

  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.

  A fraudulent account was opened up in my name with Goldman Sachs Bank *** and they are refusing to remove the fraudulent account from my Experian Credit Report, which they are violating the 15 U.S. Code ****c-2 and 15 U.S.C. ****b and 18 U.S.C. 1028A. My next steps is taking them to court to file a lawsuit. A resolution would be to remove this fraudulent account from my credit report immediately and I won't take Goldman Sachs Bank *** nor Experian to court.

  Business Response

  Date: 01/17/2023

  ****** by Goldman Sachs, a brand of Goldman Sachs Bank *** (the Bank), received the above-referenced complaint via the Better Business Bureau (BBB) Complaint Portal on January 9, 2023. We appreciate the opportunity to address the issues raised by ************************* (the Customer) and the ********************.
  
  The Bank conducted an investigation into the Customers complaint based on our own records, as well as information provided by the Customer.  According to our records and investigation, the Bank successfully verified the Customers personal and account information in accordance with our procedures during the Loans application and origination. The phone number provided by the Customer with this complaint are consistent with the phone number provided on the application. The Bank disbursed the Loan funds to an account verified as being owned by the Customer at the time of disbursement. Additionally, the Customer made ten (10) payment from an external account verified as owned by the Customer.
  Given the Banks confirmation of the information provided during the Loans application and the confirmed ownership of the external account used for loan disbursement and payments, the Bank determined that the Customer remains responsible for the loan. The Customers loan is currently in a charged-off status, and the Customer remains responsible for the outstanding balance of $8,331.75. Furthermore, the Bank confirmed it is accurately reporting the Customers liability for the loan to Consumer ******************************* has referred the account to ******* &Associates. The Customer may direct future communications to ******* &Associates, who may be able to provide repayment assistance. The Customer may contact ******* & Associates at **************.
  Based on the above details, the Bank kindly request this complaint to be closed.

• Initial Complaint

  Date:01/09/2023

  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, Goldman Sachs allows Apple to charge my credit card without providing any product or service, and wont even provide a receipt. The credit card is an Apple Credit Card issued by Goldman Sachs.As the card issuer, Goldman Sachs provides no way for me to dispute these fraudulent charges with them directly. Instead they force me in loops with Apple Tech Support who wastes hours and cannot solve issue.I am getting billed for nothing - I am receiving no product, no service, not even a receipt for those charges, and there is no way to dispute them.After hours of trying, I find no way to solve this issue with Apple or Goldman Sachs, and am forced to file complaint with the BBB. PLEASE HELP ME.Details:- From 10/2022 - 1/2023 (4 months), I have been billed for 7 months of AppleCare+ for a device that I dont even own.- $74.62 is the total amount.- Apple will not provide me with any receipt, billing agreement, or product detail for these charges.- Goldman Sachs, as the card issuer, does not provide ANYWAY for me to dispute these, except to go through Apple, who wont help.- this is a case where the Merchant and the Credit Card Issuer are working together, without any oversight, to make baseless fraudulent charges to their customers.- since Apple will not provide receipt or detail for those charges, all the support I can provide are the bills I am seeing on my credit card.

  Business Response

  Date: 01/23/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on January 9, 2023. ******** appreciates the opportunity to address the concerns raised by ******** (the Customer) related to disputing transactions for Apple Card.
   
  ******** conducted an investigation and confirmed no Bank error occurred. The Banks records confirmed the Merchant Apple posted transactions in the amount of $10.66 on September 6, 2022, October 7, 2022, November 6, 2022, December 6, 2022, and January 6, 2022. ******** has no record of the Customer contacting the Bank to dispute these transactions. On January 7, 2023, and January 8, 2023, the Merchant Apple posted four return credits in the amounts of $10.66, totaling $42.64. ******** has no record of the Customer being charged for ********** +.
  
  ******** attempted to contact the Customer on January 20, 2023, to gain further clarification on the transactions the Customer would like to dispute but was unable to reach the Customer. The Customer should contact the Bank directly with questions or to dispute transactions. ******** has no record of the Customer contacting the Bank. ******** is available by phone at ************** or by message from the Wallet app. Apple Card Specialists are available 24 hours a day, 7 days a week. The Customer should contact Apple directly with questions about receipts, technical support, or billing information.
   
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:01/06/2023

  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.

  We paid off a loan $3278.27we had with Green Sky with a check in the mail. They told me they did not get the check. So we paid off the loan directly giving them our account information over the phone and were told not to cash the check but they did anyway. We had put a stop on that check on that day we made the payment but unfortunately our bank did not stop the check and let it go through. We have contacted Green Sky several times and they told us we would get our refund expedited but it is over a week since they told us we would get our money back and they still have not processed it . They tell us everyday that it will be processed but nothing has been done about it. They still have our money and are making any attempt to reimburse us for the money they took from us. We have bills to pay and are in great debt because we need our money! Please help us get our money back fro Green Sky!

  Business Response

  Date: 01/17/2023

  We apologize for any inconvenience the customer experienced.  We contacted the customer by phone and via email.   Our records indicate that the credit balance refund was processed on 1-5-2023 and return to the customer.   At ********************** we strive for excellent customer service, and we will continue to improve our process.

• Initial Complaint

  Date:01/05/2023

  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.

  A duplicate payment was made to Goldman Sachs Group on December 30, ************************************************************************ the amount of $4,461.56 I have been assured by Supervisors every day since that time that the amount would be returned, but has not. I would like the total amount above returned.

  Business Response

  Date: 01/19/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on January 5, 2023. We appreciate the opportunity to address the concerns raised by ***************************** (the Customer) related to a refunded payment in the amount of $4,461.56.
  ******** conducted an investigation and confirmed the Customer was given misinformation on the timeframe of the refunded canceled payment. ********s records show the Customer made a payment in the amount of $4,461.56 on December 30, 2022. The Customer contacted the Bank on December 30, 2022, to request to refund the payment. A refund request review was created for the Customers payment on December 30, 2022. ******** resolves refund request reviews within 10 days, but may take up to 24 days. The Customer was misinformed that this process would take 1-2 business days to be completed.
  On January 6, 2023, the Bank reviewed and processed the Customers refund in the amount of $4,461.56 to the ************** account. The Customer should allow 2-3 business days for the refund to arrive in the bank account. ******** regrets the frustration that this Customer has experienced.
  Based on the above details, we kindly request this complaint to be closed.

• Initial Complaint

  Date:01/03/2023

  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.

  Never received an actual Apple Card or any correspondence at my mailing address letting me know about my credit limit. Also tried to reach a settlement they were not trying to help me at all. I paid it and interest charges are still being applied with a higher APR then what I initially agreed and still nothing was mailed as to why. Other banks try to help you they just want you in more debt. Also account has been closed for over a month TransUnion report is still showing an Open Account.

  Business Response

  Date: 01/17/2023

  
  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on January 03, 2023. We appreciate the opportunity to address the concerns raised by *********************************** (the Customer) related to the  credit limit and Annual Percentage Rate, mailed correspondence, delivery of a titanium card, settlement options, and credit reporting of their Apple Card account.
  
  ******** conducted an investigation and confirmed no error occurred. The Customer applied for an Apple Card on December 09, 2021. As part of the application process, the Customer was presented with an offer of credit line and Annual Percentage Rate (APR) and had the option to accept or decline the offer. The Customer accepted the offer and opened the account on December 09, 2021. The Customers APR is determined using their credit score and history and is calculated based on Prime Rate and the margin using the formula included in the Apple Card Customer Agreement. If the Prime Rate changes, the APR may go up or down.
  
  To access and use all the features of Apple Card, the Customer must add their Apple Card to Wallet on an iPhone or iPad with the latest version of iOS or iPadOS. This will also allow the Customer to view their credit limit and balance, request and activate a titanium card, manage their Apple Card account, and make purchases anywhere Mastercard is accepted.
  
  ******** conducted an investigation related to statement delivery and confirmed no error occurred. ******** successfully delivered account notices and monthly statements to the email address associated with the Customers Apple ID. Apple Card monthly statements are provided electronically and are available in the Wallet app or on card.apple.com at the beginning of every month. The Customer agreed to digital statements when they accepted the offer. These digital statements can be downloaded, saved and/or printed. Additional details can be found in the Apple ********************************************************* conducted an investigation related to the titanium card and confirmed no error occurred. ******** has no record of the Customer placing an order for a titanium card. ******** is unable to order or activate a titanium card on the Customers behalf.
  
  ******** conducted an investigation related to the Customers request to settle the account balance and confirmed no error occurred.  ******** was unable to locate any record of mistreatment or misinformation provided by a Bank representative. ******** is unable to forgive any portion of the balance owed. The Customer is welcome to contact the Bank at their earliest convenience to discuss payments on the account.
  
  ******** conducted an investigation related to credit reporting of the closed account and confirmed no error occurred. The Customer contacted the Bank on November 27, 2022 and requested to close the account. ******** confirmed the Customers account was closed as requested. ******** confirmed the credit reporting is correct and accurate. ******** confirmed the account was reported closed to the credit reporting agencies.  ******** confirmed the credit reporting is accurate as of the last furnishing.
  
  Based on the above details, we kindly request this complaint be closed.

• Initial Complaint

  Date:12/27/2022

  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 used Greensky to finance the purchase of a spa purchased from ******* in ****** ** in August of 2022. The salesman assured me the loan was a 12 month interest free loan, and the papers I saw attested to this fact. Today in December of 2022 I paid off the loan, only to notice that Greensky was charging me $86 per month of interest on the purchase. I cannot reach Greensky, and ****** is claiming I made the wrong "selection" of the loan, even though they filed the loan application for me. This is incredibly deceptive and bait and switch. I am owed $425 in financing charges.

  Business Response

  Date: 01/05/2023

  GreenSky has reached out to the customer and went over his loan terms with him.  The loan documents that were sent to the customer also explain the loan terms and confirms that there is no reference to zero percent interest in the documentation.  At GreenSky we strive for excellent customer service and will continue to improve our process.

• Initial Complaint

  Date:12/21/2022

  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.

  We got a loan form GreenSky in June 2022. We always made our payments on time through the same bank account every month. In December we submitted 3 separate payments for a larger amount than the monthly payment. Each time the payment was reversed or one number wrong on the checking account. They charged us a late fee with high interest for being late. Nothing changed with our payments but the amount we were paying. These people dont want you to pay off the loan. They want to keep charging you interest. True SCAMMERS

  Business Response

  Date: 12/27/2022

  GreenSky was unable to speak directly with the customer as she previously requested not to be contacted.  The customers account was reviewed and it does appear that the payments are being rejected due to the account not being located, this usually happens when the incorrect account or routing number is entered at the time of payment.  The customer is advised to ensure that the correct information is entered before submitting the payment.  It is GreenSkys mission to provide exceptional service and we will continue to improve our process.