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:12/20/2022

  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.

  Had an Apple Mastercard through this company which I paid off and closed numerous months ago. However; on December 9, ************************************************************** **** for $740.83 (proof attached). The business knows it is a closed account. The business has the refunded money. The business owes me a refund! The business needs to immediately issue me the amount in a refund check for $740.83.

  Business Response

  Date: 01/03/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on December 20, 2022. We appreciate the opportunity to address the concerns raised by *********************** (the Customer) related to a credit balance refund for Apple Card.
  ******** conducted an investigation and confirmed no Bank error occurred. The Bank confirmed the Customer closed the account on September 23, 2022. The Customers account remains closed, however on December 10, 2022, the ******** ***** **** *********** force posted a refund credit in the amount of $740.83 to the Customers account. The Apple Card Customer Agreement details the handling of a return on an account, including that the Bank will charge an account an amount up to the amount of any Daily Cash accrued for the transaction(s) related to the return (a Daily Cash Adjustment). As a result, a Daily Cash Adjustment in the amount of $7.41 was applied to the Customers account brining the credit balance to $733.42.
  ******** has no record of the Customers contacting the Bank to request a credit balance refund. On December 21, 2022, per the Customers request the Bank issued a credit balance refund check in the amount of $733.42 to the Customers address on file. The Customer should allow **** business days to receive the check. The Customer should contact the Bank directly with further questions or requests. ******** 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, we kindly request this complaint to be closed.

• Initial Complaint

  Date:12/20/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In august I had a fraudulent transaction on my card I called immediately they told me not to worry zero liability for that charge now they keep recharging me it was a scam off tik tok I need help please

  Business Response

  Date: 01/03/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on December 20, 2022. We appreciate the opportunity to address the concerns raised by ************************* (the Customer) related to a transaction dispute with the Merchant SP Carifex in the amount of $59.99.
   
  ******** conducted an investigation and confirmed due to a processing error, the transaction dispute was found in favor of the Merchant. The Customer initially disputed the transaction on August 28, 2022, and October 27, 2022. ******** applied a temporary credit while the dispute was investigated. Based on the investigation and a review of the evidence, the transaction dispute should have been ruled in favor of the Customer. However, due to a processing error the dispute was ruled in favor of the Merchant. As a result, the temporary credit was removed from the Customers account on October 27, 2022, and December 20, 2022. ******** sent the Customer an email detailing the dispute outcome.
  The Customer reopened the dispute on December 20, 2022. ******** applied a temporary credit while the dispute was investigated. Based on the investigation and a review of the evidence, the Bank ruled the dispute in favor of the Customer. The temporary credit was made permanent on December 28, 2022. The Bank sent the Customer an email detailing the dispute outcome.
  Based on the above details, we kindly request this complaint to be closed.
  

• Initial Complaint

  Date:12/19/2022

  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.

  In accordance with the Fair Credit Reporting Act. The account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC ****.Apple Card **************** ** US.C **** section 602 A. States I have the right to privacy.15 U.S.C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions 15 ***********. (a)(5) Section States: no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more man seven years 15 U.S.C. ****s-2 (A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate.15 U.S.C. **** section 611 (5) Treatment of Inaccurate or Unverifiable Information (A) In general. If, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or cannot be verified, the consumer reporting agency shall(i) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and(ii) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.Apple Card is violating my rights by reporting this late payment that they have listed as occurring during the covid 19 pandemic. I called several times during the pandemic to be added to the cares act protection plan, but to avail. I have reached out to them several times, most recently a rep by the name of ****** failed to address any concerns and misled me by stating there's no one else that can help, no executive team, and gave me wrong dates. remove asap

  Business Response

  Date: 12/30/2022

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on December 19, 2022. We appreciate the opportunity to address the concerns raised by ***************************** (the Customer) related to the credit reporting for Apple ******************** conducted an investigation and confirmed no Bank error occurred. The Customer opened an Apple Card and consented to the Apple Card Customer Agreement on September 01, 2019. During the application process, the Customer is provided with and must consent to the Apple Card Terms and Conditions, which discloses that the Customer agrees that the Bank may report information to the credit reporting agencies regarding the account.
  Customers must pay at least their minimum Payment Due by the due date each month to avoid being reported as past due to the credit reporting agencies. ******** confirmed the Customer did not pay at least their minimum amount due by April 30, 2020 and May 31, 2020. ******** successfully delivered Payment Due Reminders, Missed Payment Reminders, Eligible for Bureau Reporting reminders to the email address on file for the Customer. As a result, the Bank reported the Customers account past due to the credit reporting agencies. ******** confirmed the credit reporting was correct and accurate, the Bank is obligated to report accurately to credit reporting agencies. The Bank is unable to update or remove the past due reporting from the Customers credit report.
  ******** sent the Customer emails advising the Customer to contact the Bank to request assistance if impacted by a hardship. ******** conducted a review of interactions and was unable to locate any record of the Customer contacting the Bank to request enrollment in the Banks Covid-19 Customer Assistance Program.
  ******** conducted a review of interactions and confirmed an inadvertent communication error occurred on December 13, 2022. As a result, the customer was incorrectly informed the account was reported past due for December 2019 in error. ******** confirmed the account was not reported past due to the credit reporting agencies for December 2019.
  Based on the above details, we kindly request this complaint be closed.

  Customer Answer

  Date: 01/03/2023

  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]

   

   The business Goldman Sachs continues to give generic answers. During the pandemic , I requested a hardship waiver and they are claiming I did not. They are also in violation of my consumer rights, I am requesting that the late payment either be removed or the account entirely from the CRA. 

   

   

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

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

  Business Response

  Date: 01/13/2023

  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 05, 2023. We appreciate the opportunity to address the concerns raised by ***************************** (the Customer) related to the credit reporting for Apple Card.
  
  
  As stated in the Banks previous response, the Bank conducted an investigation and confirmed no Bank error occurred. The Customer opened an Apple Card and consented to the Apple Card Customer Agreement on September 01, 2019. During the application process, the Customer is provided with and must consent to the Apple Card Terms and Conditions, which discloses that the Customer agrees that the Bank may report information to the credit reporting agencies regarding the account.
  
  
  Customers must pay at least their minimum Payment Due by the due date each month to avoid being reported as past due to the credit reporting agencies. The Bank confirmed the Customer did not pay at least their minimum amount due by April 30, 2020 and May 31, 2020. The Bank successfully delivered Payment Due Reminders, Missed Payment Reminders, Eligible for Bureau Reporting reminders to the email address on file for the Customer. As a result, the Bank reported the Customers account past due to the credit reporting agencies. The Bank confirmed the credit reporting was correct and accurate, the Bank is obligated to report accurately to credit reporting agencies. The Bank is unable to update or remove the past due reporting from the Customers credit report.
  
  
  The Bank sent the Customer emails advising the Customer to contact the Bank to request assistance if impacted by a hardship. The Bank conducted a review of interactions and confirmed the Customer initiated contact with the Bank on one occasion during the timeframe in which the Customers account did not receive the minimum payment due.  On April 28, 2020, the Customer contacted the Bank to request a credit line increase. The Bank was unable to locate any record of the Customer contacting the Bank to request enrollment in the Banks Covid-19 Customer Assistance Program.
  
  
  Based on the above details, we kindly request this complaint be closed.

• Initial Complaint

  Date:12/19/2022

  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.

  On 12/20/21 apple makes dispute NOT ME UNAUTHORIZED. On 12/29/21 apple took it when I owed nothing I have statement and apple representative giving me false information.

  Business Response

  Date: 12/30/2022

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on December 19, 2022. We appreciate the opportunity to address the concerns raised by *************************** (the Customer) related to a transaction dispute in the amount of $335.00 with the merchant Flexcar that the Customer states was opened without permission.
  
  ******** performed an investigation and confirmed no Bank error occurred. The Customer initially contacted the Bank on December 29, ************************************************** the amount $335.00 with the merchant Flexcar that posted on December 21, 2021. As requested by the Customer, the Bank opened the dispute and a temporary credit in the amount of $335.00 was applied to the account. Based on the Banks investigation and evidence available, the Bank resolved the dispute in favor of the Customer. The temporary credit in the amount $335.00 was made permanent on February 28, 2022, and the Bank has confirmed no further credit is due. ******** sent the Customer an email detailing the dispute outcome on February 28, 2022.
  
  ******** conducted a review of interactions and was unable to locate any record of mistreatment provided by a Bank representative.
  
  Based on the above details, we kindly request this complaint be closed.

  Customer Answer

  Date: 01/09/2023

  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]

   That is incorrect. There has been a record of disrespectful customer service, representatives and disrespectful, horrible foul behavior, coming from all of the call-center that I speak spoken to from Apple, refusing to help me and hanging up on me and discriminating racially motivated behavior

   

   

   

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

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

• Initial Complaint

  Date:12/14/2022

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I opened a loan with this company in the amount of $31,991 with a company named Long Island Windows aka Renewal by ********. I was told I would not owe anything until the project was complete and until I signed a form of completion. My project is still not complete and Greensky is well aware of this with the multiple complaints that keep being opened by me and closed by their company for unknown reasons. Renewal by ******** has not kept to their contract, as my signatures being forged on many pages of my contract. I have told both Renewal by ******** and Greensky this and shown proof of this with my contract and shown them the signatures that are not mine. I was told by *********************, director of customer services at Renewal by ********, that this was done on accident and this was another customers signatures and that it is copied and pasted onto forms. I was told by Greensky to file a police report. I have informed Greensky on multiple occasions that I went to the police precinct and was told that since this is not a check that was forged that this is a civil complaint and a police report cannot be filed and I would have to go to the courts. I have spoken to multiple lawyers and they have told me this loan amount is too low for them to take on in court. I'm stuck. I would be in jail if I forged someone's signature. What Greensky is doing is illegal. You see my signatures are forged, you see my project isn't finished, and you are now trying to make me pay a loan! This is absurd. Every person I've spoken to at this company never calls me when they say they will. I've even had an employee go *** to find out that they no longer work for the company. Greensky doesn't care about the customer or even listen to the customer. Pages ***** are not my signatures. Forgery is a crime and makes a contract null & void. I have received another customer's supplemental work order with their name, address, phone number. My signature being forged doesn't surprise me after receiving this.

  Business Response

  Date: 12/21/2022

  GreenSky has reached out to the customer and confirmed that the last charge on her account has been refunded since the project with the merchant has not been completed.  The merchant has confirmed that they have an estimated delivery for the end of December for the replacement products and per the customers request will follow back up again with her next week. At GreenSky we strive for excellent customer service and will continue to improve our process.

• Initial Complaint

  Date:12/14/2022

  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 had entered into the hurricane forbearance program when the hurricane struck our home. I had spoken to a colleague and they assured me everything was in place. I never was told when it would resume or anything, and with everything that went on I didn't even remember to ask. I got harassing texts and notifications about past due payment, so I chatted in again and was told to "ignore them". I guess a few more than 30 days go by and I get a "Late past 30 days" report on my credit report. I was absolutely appalled. I immediately call in and ask what can we do about it. The representative basically said there was nothing she could do, so that is why I am escalating with the BBB and I will also do the **** if need be. Remove the late payment inquiry, I will pay what is past due and I will continue making monthly payments again. You never told me when the payments would resume, I honestly feel cheated and set up for failure.

  Business Response

  Date: 12/27/2022

  
  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on December 14, 2022. We appreciate the opportunity to address the concerns raised by ********************* (the Customer) related to credit reporting for *********************** conducted an investigation and confirmed no Bank error occurred. The Banks records show the Customer enrolled in **** Disaster Relief on October 1, 2022. The Bank sent the Customer documentation to the Customers email address on file detailing the **** Disaster Relief enrollment and terms. Additionally, **** Disaster Relief allowed the Customer to skip the payment that was due on October 31, 2022, and the next payment due date would resume on November 30, 2022. The skip payment did not include skipping any past due payments. Per the terms of **** Disaster Relief, If your account is past due, it will remain past due until all past due payments are made. Your purchases may continue to be restricted.
  Prior to being eligible to enroll in **** Disaster Relief, the Customers account did not receive the required minimum payments in the amount of $182.00 due by August 31, 2022, $369.00 due by September 30, 2022, and $370.00 due by October 31, 2022. The Banks records show the Customer did make a payment in the amount of $182.00 on September 10, 2022, which was the amount due by August 31, 2022.The minimum amount due for September was not received. The October payment was skipped and the original $370.00 due by October 31, 2022, was moved to a due date of November 30, 2022.
  The Bank successfully delivered Payment Due Reminders, Missed Payment Reminders, and Eligible for Bureau Reporting reminders to the email address on file for the Customer. Since there were payments were due prior to the Customer being enrolled in **** Disaster Relief, the Customers account was already past due and these payments were unable to be skipped. As a result, the account has been reported accurately to the credit bureau reporting agencies. The Bank is obligated to report accurately to credit reporting agencies. The Bank is unable to remove the late payment reporting from the customers credit report.
  The Bank conducted an additional review of the interactions with the Customer and was unable to locate any record of mistreatment or misinformation provided by a Bank representative. A Bank representative contacted the Customer on December 19, 2022, and addressed the Customers concerns. The Customers account remains past due, and no payment has been made on the account since September 10, 2022. The Customer should make the current required minimum due of $559.00 due by December 31, 2022, to avoid any further negative credit reporting.
  Based on the above details, we kindly request this complaint to be closed.

  Customer Answer

  Date: 12/28/2022

  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 will not accept this because your representatives over a chat that I conducted that I have screenshots of told me to IGNORE the notifications and reminders. I will seek an attorney, you will not win this.

   

  Thanks,

  ******

   

   

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

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

• Initial Complaint

  Date:12/14/2022

  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.

  This complaint deals with my now closed Apple Card account ********************* On June 6th 2022, my Apple ID ******************** was hacked and taken over without my authorization. The hackers were able to change the contact email & trusted phone so I was no longer able to access anything on my account--it was completely taken over. While locked out, and in short order, they were able to use the Apple Card tied to my Apple ID (issued by ********************** Bank) to make over 40 fraudulent & unauthorized charges totaling approximately $25,000. Many of these fraudulent charges were made at Apple Stores in *******************. They picked these fraudulent orders in person at the Apple Store. My initial credit limit was $16,000. In order to keep making fraudulent purchases, the thieves attempted to pay down this card by making unauthorized payments from my bank, ***** *****. These were $7,267.50, $5514.69 and $12,219.13 respectively. Thankfully I was able to call my bank and stop these payments from posting by ordering a stop payment. I spent several hours on 6/6, 6/7 filing disputes.Starting in August, I received emails that these fraudulent charges & all the associated transaction disputes had been reviewed and & approved in my favor.I thought I was beyond this very unfortunate situation. Than on 12/9, I received a paper statement (Nov ****) from GS bank saying I owed $507.21. These show on the statement as a daily cash adjustment. I called GS bank on 12/9, inquiring how I can be responsible for this as theses were from; fraudulent charges I didn't authorize, on an account I have no access too & is closed. I explained that ever since I was hacked, I have had no control of this account--meaning any cash adjustments didn't go to me--this is what they are not understanding. Disputes were filed again & I was notified on 12/12 that is was not resolved. I filed new disputes on 12/12. The **** and EFT laws protect consumers from fraudulent charges.

  Business Response

  Date: 12/28/2022

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on December 14, 2022. We appreciate the opportunity to address the concerns raised by ********************* (the Customer)related to Daily Cash adjustments.
  The Bank conducted an investigation and confirmed no Bank error occurred. The Customers concern references Daily Cash Adjustments totaling the amount of $507.21 which occurred in November 2022, related to credits that were applied to the Customers Apple Card due to fraudulent charges. The Apple Card Customer Agreement details the handling of purchase credits on an account, including that the Bank will charge an account an amount up to the amount of any Daily Cash accrued for the transaction(s) related to the purchase credit (a Daily Cash Adjustment). The Bank conducted an investigation related to the Daily Cash Adjustments and confirmed that Daily Cash in the amount of $507.21 was earned on the fraudulent charges, and $507.21 was sent to the Customers Apple Cash account. The bank is unable to pull funds that were sent to the Apple Cash account. As these were funds given to the Customer they would need to pay this balance from their Apple Cash account. If the Customer no longer has access to the Apple Cash account or has any concerns regarding the funds sent to the Apple Cash account, the Customer should contact the issuing bank for Apple Cash, *************** and advise of any concerns.
  Based on the above details, we kindly request this complaint be closed.

  Customer Answer

  Date: 12/29/2022

  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]

  A GS bank representative called me 2 days ago and I told them that I contacted green dotbank on 12/19.  They were of no help.  They told me that this is an issue they can only be resolved by GS Bank.  I question why these were paid out at all, since I reported as fraud immediately.
  

  Again, I restate that this account was completely taken over and I have no access to this account.  Any funds earned and paid out went to the hackers and not me.  Further, I dont understand why I am being placed in the middle.  GS bank should either write these charges off or contact green dotbank if they feel it necessary.  
  

  As a consumer I cannot be held liable for fraud, period. I believe GS bank is violating federal consumer protection laws.  I have filed further complaints with the *** and with the federal reserve consumer protection department.  I look forward to this being resolved quickly.  
  

   

   

   

   

   

   

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

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

• Initial Complaint

  Date:12/08/2022

  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 have never opened an account with Goldman Sachs nor have I ever owned an Apple phone or an Apple pay card. I received a new phone number last month and since then, nonstop, they have been calling and asking for someone that isn't me. I have talked to four different supervisors on 4 DIFFERENT OCCASIONS and they all told me my number would be removed. That has yet to happen as they continue to call daily. It got to the point that I sought legal counsel. Golden Sachs was informed of this legal counsel and I was told that the phone calls would stop immediately. The phone calls are still coming in. They are harassing me and I have nothing to do with them. I don't owe them anything and they won't leave me alone. It is a nightmare. My phone number was even entered on the Do Not Call Registry when I got the number. This has all been explained multiple times and if this doesn't work I am taking the records from all the calls and filing a lawsuit. Shame it has come to this but a complete stranger company is harassing me. It has to stop. They record their calls well I do too and I have no problem spending my money on getting the harassment to stop

  Business Response

  Date: 12/22/2022

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on December 09, 2022. We appreciate the opportunity to address the concerns raised by ***************************** (the Consumer) related to receiving phone calls from the Bank.
  ******** conducted an investigation and confirmed no Bank error occurred. The Consumer does not have an account with the Bank, however, their phone number was associated with an account. That account has been updated, so the Consumer will no longer receive phone calls from the Bank.
  Based on the above details, we kindly request this complaint be closed.

• Initial Complaint

  Date:12/05/2022

  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.

  November 9, 2022- I made a large payment by accident to my Apple Card in which I contacted apple to cancel. Unfortunately, the payment tried to process through my ********* account but was not successful due to insufficient funds. The amount of $2,072.35 never hit my checking account and was kicked back to apple. November 15, 2022- apple deposited that $2,072.35 into my checking account that was not mine because it never dedicated from my checking account balance. Therefore, I submitted a dispute with USAA to send that $2,072.35 back to apple. In the meantime and same day apple makes a balance adjustment to my card adding an extra $2,072.35 which increased my balance on my credit card. I let them know and provided proof and communication that USAA sent that money back. Since then I have been fighting to get the payment adjustment removed and fixed to lower my credit card amount back down to where it was. They claim to have not found the payment from Usaa which I have spoken with Usaa again and they stated everything cleared on their end and I provided a trace number to Apple (Goldman sachs) plus screen shot proof that I have attached to this complaint as well. I have yet to receive proper help and the issue is not fixed but they made sure to Charge me interest for their mistake. I just want the extra $2,072.35 balance adjustment they added removed from my account. Worse bank to deal with. All they have done is filed dispute after dispute with no resolution for the customer.

  Business Response

  Date: 12/16/2022

  
  
  Goldman Sachs Bank *** received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on December 05, 2022. We appreciate the opportunity to address the issues raised by *********************** (the Customer) related to payments and the balance on the *********************** conducted a review related to payments and confirmed no bank error occurred. On November 07, 2022, the Customer scheduled a one-time payment of $2,072.35 from their device to post on November 07, 2022. ******** confirmed it processed the payment in accordance with the scheduled payment instructions the Customer set up. The Customer contacted the Bank on November 09, 2022 and requested to cancel the payment. As requested by the Customer, the Bank issued payment refund to the ************** account ending **** as ACH transfer in the amount of $2,072.36 on November 09, 2022, and this amount was debited to the ********* Apple Card account balance.
  ******** conducted an investigation related to the billed amount of $1,870.79 on November 15, 2022 and confirmed no error occurred. On November 15, 2022, the ********* financial institution returned the original payment in the amount of $2,072.35 that posted on November 07, 2022. As a result of the returned payment, the Bank debited an additional amount of $2,072.35 to the ********* account.  ******** was unable to locate any record of an additional payment or ACH transfer in the amount $2,072.35 from the ************** account ending ****. ******** confirmed the balance is accurate. The Customer is liable for the balance on the Apple Card account.
  
  If the customer has concerns related to receiving the refund issued by ACH transfer in the amount of $2,072.35 on November 09, 2022, they should contact their financial institution directly.
  
  Based on the above details, we kindly request this complaint be closed.

  Customer Answer

  Date: 12/27/2022

  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]

   

   The credit of $2,072.35 to my bank account ending in **** from Apple was reversed and sent back to apple/goldsman sach bank on November 14, 2022. That credit was disputed by USAA and sent back using trace number ***************. This is the same information given to apple as of 12/27/2022 with confirmation from a ********* representative through a 3 way call with myself, Usaa, and apple.

  This proof has been sent. The issue is the reversal by apple that happened twice. I am not responsible for paying an extra $2,072.25 that was not made in purchases. I am only asking for that amount to be removed from my account. I owe a total of $2354.68 not $4,430.62. Again, all this has been spoken about with apple but I am updating this complaint with this information in order to get the proper resolution and communication that is not happening.

  I have provided my bank statement for account ending in **** as proof of the credit being added to my account and then deducted and sent back to apple on 12/14/22. The dispute information was sent previously along with other screenshots. Just to clarify it was the CREDIT that was reversed and sent back to apple resulting in the second reversal on my apple account on 11/15/22. 

   

   

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

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

  Business Response

  Date: 01/13/2023

  Goldman Sachs 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 issues raised by *********************** (the Customer) related to payments and the balance on the Apple Card.
  
  As stated in the Banks previous response, the Bank conducted a review related to payments and confirmed no bank error occurred. On November 07, 2022, the Customer scheduled a one-time payment of $2,072.35 from their device to post on November 07, 2022. The Bank confirmed it processed the payment in accordance with the scheduled payment instructions the Customer set up. The Customer contacted the Bank on November 09, 2022 and requested to cancel the payment. The bank was unable to cancel the payment so as requested by the Customer, the Bank issued a payment refund to the ************** account ending in **** as an ACH transfer in the amount of $2,072.35 on November 09, 2022, and this amount was debited to the ********* Apple Card account balance.
  The Bank conducted an investigation related to the billed amount of $2,072.35 on November 15, 2022 and confirmed no error occurred. On November 15, 2022, the ********* financial institution returned the original payment in the amount of $2,072.35 that posted on November 07, 2022 for insufficient funds. As a result of the returned payment, the Bank debited an additional amount of $2,072.35 to the ********* account.
  
  The Bank conducted an investigation related to the returned refund in the amount of $2,072.35 and confirmed an inadvertent processing error occurred. The Bank confirmed the returned refund in the amount $2,072.35 was received and processed as of December 29, 2022, and the credit was backdated to November 14, 2022. The Bank credited the interest assessed to the account in the amount of $44.97 as a result of the error. The Bank confirmed the balance is accurate.
  
  A Bank Representative contacted the Customer on January ******* to address their concerns and confirm resolution has been completed.
  
  Based on the above details, we kindly request this complaint be closed.

• Initial Complaint

  Date:12/01/2022

  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 canceled my apple pay card which was on my iPhone. because they would not disclose to me what several charges were, on April 2nd 2022so on that date I closed my account, paying in full any charges outstanding, this left me with a credit of 8 dollars and change.I kept receiving letters from them just as a statement at which time I would call them letting them know my account had been closed since 4/2/2022, I kept getting letters, I kept calling them repeating that my account was closed, and on 11/28/22 I checked my credit score to find they had turned in to the credit bureau for nonpayment of 1 dollar which dropped my credit score 61 points.i find it extremely upsetting and hope you can help me with this by having this removed and reinstating my good credit score this is a dirty practice and should not be able to continue

  Business Response

  Date: 12/15/2022

  Goldman Sachs Bank *** received the above-referenced complaint related to the ***** Card via the Better Business Bureau (BBB) Complaint Portal on December 01, 2022. We appreciate the opportunity to address the issues raised by *************************** (the Customer) related to credit reporting of the ***** ******************** conducted a review of the account and confirmed no Bank error occurred. On April 23, 2022, the Customer scheduled a one-time payment for the March 2022 statement balance of $76.44 from their device to post on April 23, 2022. The Customer contacted the Bank on April 26, 2022 and advised a payment in the amount $31.46 had been scheduled from their device and requested to close the ***** Card account. As requested by the Customer, the ***** Card account was closed on April 26, 2022. ******** has no record of payment in the amount $31.46 scheduled to post on April 26, 2022. ******** confirmed it processed payments in accordance with the scheduled payment instructions the Customer set up.
  ******** conducted a review of the balance and confirmed no error occurred. The Customer contacted the Bank on June 08, ***************************************************************************************** the amount $13.49 that posted on April 05, 2022, $9.99, $4.99, and $2.99 that posted on April 09, 2022, and $4.99 that posted on April 26, 2022. Temporary credits were issued while the disputes were investigated. Based on the investigation, the Bank resolved the disputes in favor of the Customer and the temporary credits were made permanent in the amounts $4.99 on August 26, 2022, $13.49 on August 29, 2022, and $9.99, $4.99, and $2.99 on August 30, 2022. ******** sent the Customer correspondence detailing the dispute outcomes. The ***** Card Customer Agreement details the handling of a credit on an account, including that the Bank will charge an account an amount up to the amount of any Daily Cash accrued for the transaction(s) related to the credit (a Daily Cash Adjustment). As a result of the permanent dispute credits, the Customers original transactions do not qualify for Daily Cash and the Bank charged the account in the amounts $0.15, $0.40, $0.30, $0.15, and $0.09, a total of $1.09, for the amount of Daily Cash originally provided to the Customers ***** Cash account.
  ******** conducted a review related to credit bureau reporting and confirmed no error occurred. The Customers account did not receive the required minimum payment due for the months of September 2022, October 2022, and November 2022. As a result, the Bank reported the account to the credit reporting agencies as past due.  ******** is obligated to report accurately to credit reporting agencies.
  As a courtesy, the Bank provided a credit to the Customers account in the amount of $1.09 on December 12, 2022 and backdated the credit to August 31, 2022. As a result of this credit, the Bank confirmed the account no longer required a minimum payment for the months of September 2022, October 2022 and November 2022.  ******** submitted a request to update the reporting on the Customers credit report. The Customer should allow 30 days for these changes to reflect.
  ******** is unable to recalculate credit scores as calculated by the ****************************** The Customer should contact the ***************************** with concerns related to the calculation of scores as reported within the Customers Credit Report.
  ******** 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: 12/21/2022

  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]

   my account was closed 4/2/22 the payment of 31.45

   was paid my account was paid in full and closed that day i should have not recieved any further charges 

   

   

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

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

  Business Response

  Date: 01/13/2023

  Goldman Sachs Bank *** received the above-referenced complaint related to the ***** Card via the Better Business Bureau (BBB) Complaint Portal on January 04, 2023. We appreciate the opportunity to address the issues raised by *************************** (the Customer)related to the closure of the ***** Card.
  
  As provided in the Banks previous response, the Bank conducted a review of the account and confirmed no Bank error occurred. The Customer contacted the Bank on April 26, 2022 and requested to close the ***** Card account. As requested by the Customer, the ***** Card account was closed on April 26, 2022. The Bank sent the Customer correspondence confirming the account closure to the email associated with the ***** Card on April 26, 2022. The Bank has no record of contact made by the Customer or payment in the amount $31.45 scheduled to post on April 02, 2022. The Bank confirmed it processed payments in accordance with the scheduled payment instructions the Customer set up.
  The Bank conducted a review of transactions posted to the ***** Card account and confirmed no error occurred.The Bank confirmed transactions with the merchant ***** Services were authorized on the open account and posted in the amount of $13.49 on April 05,2022, $9.99, $4.99, and $2.99 on April 09, 2022, and $4.99 on April 26, 2022.
  
  The Customer contacted the Bank on June 08, 2022 to open disputes for the unauthorized transactions from the merchant ***** Services. Temporary credits were issued while the disputes were investigated. Based on the investigation, the Bank resolved the disputes in favor of the Customer and the temporary credits were made permanent. The Bank sent the Customer correspondence detailing the dispute outcomes. The Bank confirmed the balance on the account is $0.00 as of December 12, 2022.
  
  If the Customer has additional concerns related to their ***** Card account, they are welcome to contact the Bank directly.
  
  Based on the above details, we kindly request this complaint be closed.