Business Profile

Investment Security

The Goldman Sachs Group, Inc.

Headquarters

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Complaints

This profile includes complaints for The Goldman Sachs Group, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

1,070 total complaints in the last 3 years.
409 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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:11/15/2022
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.
Ordered a new garage door, paid off prior to July 18th installation. Have all paperwork showing payoff and ZERO ($0.00). Then received a letter from a collection agent (!) claiming we still owe 2043.79.We do not know why this was not applied to our account, but all our records, and a letter from creditor indicating payoff!We have spent hours trying to correct an account that was paid off to a ZERO balance in June 2022. HomeDepot, no help.Please help remove this from my accounts which are already paid. Have scanned paperwork docemntaing our payoff and ZERO balance.Thanks In Advance ,*********************************
Business Response
Date: 11/18/2022
GreenSky reached out to the customer and confirmed that her account with GreenSky has been paid in full and the account has been closed. The customer was advised that the bill she received is from charges associated with ************** directly and were not affiliated with her GreenSky account. GreenSky offered to conference in ************** while on the phone with the customer, however she declined. At ********************** we strive for excellent customer service and will continue to improve our process.
Initial Complaint
Date:11/15/2022
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.
I'm writing to flag a troubling issue with an account I have at Goldman Sachs ******. On 10//26//22, I made what I thought was a 35k transfer to another money market account at ************** I received an email confirmation at 8:56 am that morning from ****** that the transfer had been completed. Later that evening I received an email and phone call from ****** instructing me to call them about my account. I did just that, and had a couple of puzzling conversations with their agents. From what little I could gather, my account had evidently been locked over some unspecified security concern. After visiting with their agents, I was assured that my account was unlocked and the transfer would go forward. I received another email confirmation at 7:22am on 10//27//22 that the transfer had indeed been completed. On the morning of 10//28//22 I was horrified to discover that the transfer had not been made, and had indeed been reversed, creating untold nightmares. Panicked, I initiated a chat with yet another Goldman Sachs agent, who told me there was no transfer in progress. Long story short, despite one oral and two written confirmations of the transfer, it had never been made and ****** had retained the funds. While I am 110% in support of stringent security safeguards, these eyebrow-raising actions by ***************** might lead one to suspect they are using the fig leaf of 'security' concerns as a pretext to slow-walk, delay, or in my case completely stop transfers to their competitors. I ask the BBB to investigate the actions of Goldman Sachs ****** and take appropriate steps to prevent a reoccurrence. In particular, Goldman Sachs considered ************* an "unverified" bank in this instance, where is clearly false, which raises the question of whether there's a systemic issue inside the bank to retain funds and stifle competition.
Business Response
Date: 11/29/2022
****** by Goldman Sachs, a brand of Goldman Sachs Bank *** (the Bank), received the above-referenced complaint via the Better Business Bureau Complaint Portal on November 15, 2022. The Bank appreciates the opportunity to address the concerns raised by ************************* (the Customer) related to transferring funds from an ************** Account (OSA) held with the Bank.
According to the Banks records, on October 26, 2022, the Customer initiated an outgoing transfer from their OSA to an unverified external account. Because the Bank did not have ownership information for the external account, the Bank required Customer confirmation that the transfer was authorized. Subsequently, and in accordance with the Banks Deposit Account Agreement, the Bank restricted the Customers OSA and declined the transfer to review security concerns. On the same day, the Bank contacted the Customer and confirmed they authorized the transaction. As such, the Bank restored the Customers online banking access and advised the Customer that the transfer would process as intended.
However,on October 27, 2022, an inadvertent action by a Bank specialist the day prior resulted in a reversal of the Customers transfer. The next day, the Customer contacted the Bank where a Bank specialist advised the Customer of the reversal. The Customer then initiated another transfer to the external account,which processed successfully.
Based on the above details, we kindly request this complaint be closed.
Initial Complaint
Date:11/10/2022
Type:Product Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I order an app from the Apple App sore in October 2022. The app didnt work with my television and it cost $32.99. I called Goldman *** to ask for a refund but they said they cant refund it. The developer has to, contacted the developer no response. The developer has done this to other seem like. Its a scam. I feel I shouldnt have to pay for something that doesnt work with my television l.
Business Response
Date: 11/22/2022
Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on November 10, 2022. We appreciate the opportunity to address the concerns raised by ************************* (the Customer) related to a transaction posted to the Apple Card account.
******** conducted an investigation and confirmed no Bank error occurred. On November 11, 2022, the Bank contacted the Customer to offer assistance with disputing the transaction, but the Customer declined due to being unavailable at the time. ******** attempted to contact the Customer on November 17, 2022 and November 18, 2022 but was unsuccessful with reaching the Customer. The Customer is welcome to contact the Bank directly for assistance with disputing the transaction.
Based on the above details, we kindly request this complaint be closed.
Customer Answer
Date: 11/29/2022
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]
I never declined help. I was in a training each time they called. I also have been
sick with the flu. They were suppose to call back and never did.

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

Sincerely,

*************************

Business Response
Date: 12/20/2022
****** # ******** (Recd December 10, 2022, 2022)
Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the ***** Card via the Better Business Bureau (BBB) Complaint Portal on December 10, 2022. We appreciate the opportunity to address the concerns raised by ************************* (the Customer) related to a transaction posted to the ***** Card account.
******** conducted an investigation and confirmed no Bank error occurred. On November 11, 2022, the Bank contacted the Customer to offer assistance with disputing the transaction, but the Customer declined due to being unavailable at the time. ******** attempted to contact the Customer on November 17, ******** November 18, 2022, but was unsuccessful with reaching the Customer.
On December 08, 2022, the Customer contacted the Bank to initiate a dispute with the merchant ***** Services in the amount of $32.97. A dispute was initiated, and a temporary credit was applied to the account. On December 09,2022, the merchant issued a refund to the account in the amount of $32.97. Due to the merchant credit, the dispute was resolved and the temporary credit was rebilled. ******** sent an email to the Customer detailing the dispute resolution on December 09, 2022.
Based on the above details, we kindly request this complaint be closed.
Customer Answer
Date: 12/24/2022
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:11/09/2022
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
The Apple Card Wallet app allowed me on 8/30 to increase a previously scheduled payment from $3,000 to $8,734.92 to be submitted on 8/31, and the payment dial feature indicated that increasing my payment from $3,000 to $8,734.92 would result in a $0 finance fee. This was error #1 because a subsequent evaluation of my September statement balance indicated the end of month balance was actually $8,852.84 so the app directed me to pay $117.92 less than it should have. After I verified within the same app that my payment had been modified as indicated previously from $3,000 to $8,734.92, I considered my new desired payment to be set, and I awaited for the deduction from my checking account to follow on 8/31. On 8/31 I noticed that Goldman Sachs charged me both the new payment amount of $8,734.92 plus the original $3,000. This was error #2. I chatted with support via text, and explained the situation, and they allowed me to reverse the $3,000 additional charge. Immediately, I was hit with an interest charge of $97.51! This is error #3 because even with my payment of $8,734.92 resulting in an unpaid credit use of $117.92, there is no way the interest charge calculates to $97.51 at an APR rate of *****%! I spent over 45 minutes on a phone call with customer service (most of this hold time) and they filed a dispute with the dispute department. 6 days later I received an email indicating there was no error and the dispute was closed. I am now on another call where they are submitting the dispute claim again because both parties Ive spoken with agree there was an error here. No resolution yet.
Business Response
Date: 11/23/2022
Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on November 09, 2022. We appreciate the opportunity to address the concerns raised by ************************* (the Customer)related to interest charged to the Apple Card.
The Bank conducted an investigation and confirmed no Bank error occurred. The Customer had a September 2022 monthly balance of $8,852.84 due by October 31, 2022. The Bank confirmed the Customer scheduled a one-time payment on October 25, 2022 in the amount of $3,000.00 to be paid on October 31, 2022. On October 30, 2022, the Customer scheduled an additional one-time payment in the amount of $8,830.57 to be paid on October 31, 2022. Prior to the payments posting to the account, the Customer had a current balance due of $11,734.92 which included all new spending and any remaining monthly balance due. When the payment in the amount of $3,000.00 posted to the account, it reduced the current balance due to $8,734.92. Because the Customer only had a current balance due of $8,734.92 at the time, the scheduled payment in the amount of $8,852.84 was adjusted to the current balance due of $8,734.92. On November 01, 2022, the Customer contacted the Bank to cancel the payment in the amount of $3,000.00. As a result of the canceled payment, the Bank debited the amount of $3,000.00 and billed interest in the amount of $97.51 to the Customers Apple Card account on November 01, 2022. The Bank applied a courtesy credit in the amount of $25.00 to the Customers account on November 01,2022.
To avoid interest charges, Customers are required to pay the monthly balance in full as of the end of the previous month by the due date every month. The Bank confirmed, the Customer did not pay their full September 2022 monthly balance due by the due date. As a result, the Bank assessed interest. As a courtesy, the Bank backdated the payment made on November 01,2022 in the amount of $150.00 to October 31, **************************************** the amount of $97.51. Additional details regarding how the Bank calculates interest can be found in the Apple Card Customer Agreement.
Based on the above details, we kindly request this complaint be closed.
Customer Answer
Date: 11/29/2022
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:11/09/2022
Type:Customer Service 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 bank is horrible Im disabled they close my Apple Card then now my gm card savings why are they so mean and horrible
Business Response
Date: 11/14/2022
Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the ** Card via the Better Business Bureau (BBB) Complaint Portal on November 9, 2022. We appreciate the opportunity to address the concerns raised by *************************** (the Customer)related to account closure.
The Bank conducted an investigation and confirmed no error occurred. The Customers concern references the closure of their ** Card account.Based on the investigation, and in accordance with the ** Card Customer Agreement, the Bank closed the account and sent the Customer an email informing of the account closure on October 20, 2022. The Bank is unable to provide additional information related to the investigation.
Goldman Sachs Bank does not consider the following when making account decisions: race, color, religion, creed, national origin, ***,marital status, age (provided the customer has the capacity to contract),military status, familial status, sexual orientation, gender identification or expression, disability, receipt of public assistance, whether a customer exercised rights under the Consumer Credit Protection Act, or any other prohibited bases under state laws.
Based on the above details, we kindly request this complaint to be closed.
Customer Answer
Date: 11/16/2022
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:

They should not have closed it I was never told of an investigation they closed it [Your Answer Here]

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

Sincerely,

***************************

Business Response
Date: 12/01/2022
Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the ** Card via the Better Business Bureau (BBB) Complaint Portal on November 29, 2022. We appreciate the opportunity to address the concerns raised by *************************** (the Customer) related to account closure.
The Bank conducted an investigation and confirmed no error occurred. The Customers concern references the closure of their ** Card account. Based on the investigation, and in accordance with the ** Card Customer Agreement, the Bank closed the account and sent the Customer an email informing of the account closure on October 20, 2022. The Bank is unable to provide additional information related to the investigation.
Based on the above details, we kindly request this complaint to be closed.
Initial Complaint
Date:11/08/2022
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.
Hello,I would like to open a complaint with ******** - A Goldman Sachs Company.This is in regards to a Payoff that was sent to their affiliate company - Service Finance.My Father passed away on September 14, 2021 and he still had a remaining balance of $11,598.99 with Service Finance. When the house was sold, ****** wrote the check and mailed it to Service Finance on 1/7/2022.As soon as the Payoff was accepted, ******** continued mailing the monthly payments for the Solar panels to my home address.I have called twice to ******** that the Payoff was mailed to Service Finance. I have already called Service Finance and they emailed a copy of the Payoff notice. I emailed a copy of the Payoff notice to ********..I called ********'s account department and they opened a complaint to investigate. I opened 2 complaints. The first complaint was on 8/6/2022 Friday and spoke with **************** representative - ****. The second complaint was on 9/2/2022 and spoke to Account Manager ******* at **************.Both those complaints were under investigation and were rejected. They have totally ignored the Payoff notice. They keep insisting to continue making monthly payments of $152.15 on Solar panels that have already been paid off.The house has already been sold on 12/2021.I don't have another $11,598.99 to pay to ********. That has been already settled with Service Finance.Please provide assistance on this matter. I want ******** to accept the Payoff notice from Service Finance This will be the third complaint to ******** and I am sure they will reject my complaint again and insist on making the monthly payment of $152.15. This has been going on for almost a year now and I want this resolved on behalf of my deceased Father.******** information ******** - A Goldman Sachs Company ********************************************* **************** dept - ************ between the hours of 8:00 am and 12:00 am EST Monday - Friday Thank you.********************************
Business Response
Date: 11/16/2022
******** attempted to speak with the consumers son regarding this matter. The son would only communicate via email. Our investigation determined the payment in question was submitted to another finance company that is not affiliated with ******** or the ******** loan. We communicated to the consumers son that there is still an outstanding balance on the ******** account that has not been satisfied. As a result of this being a community property state, the spouse will be responsible for repayment of the outstanding debt. We continue to strive for excellent customer service.
Customer Answer
Date: 11/29/2022
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:

Greensky replied back that I am not responsible for the outstanding balance of my Father's ***** panel and it is the responsibility of the living Spouse.

I received again another notification from Greensky last week on 11/21/2022 that my Dispute is under investigation. This has already been done twice already. Greensky just rejects the Dispute and I will have to pay the remaining balance again.

This merry go round Dispute has been going on for almost a year now since my Father's death.

I did not get a response back that I will continue paying the outstanding balance.

I want this resolved once and for all.

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

Sincerely,

*******************************

Business Response
Date: 12/01/2022
GreenSky responded to ******************** and advised that we would need the contacts name and address of the party responsible for repaying the loan. ******************** provided the requested information, and we updated our records. Monthly statements will be mailed to the responsible party. This matter has been resolved and closed on our end. We apologize for any inconvenience experienced. It is our goal to provide excellent service.
Initial Complaint
Date:11/08/2022
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.
They put a hold on my account. Once they realized they could not garnish my pension they are dragging their feet releasing my account. They claim they sent a fax but my bank claims they have not received it. They stop taking my calls and my account is still frozen. Short of retaining a costly attorney I dont know what else to do
Business Response
Date: 02/23/2023
****** 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 February 14, 2023. ******** appreciates the opportunity to address the issues raised by ************************* (the Customer) related to a personal loan (the Loan).
The Loan from ****** by Goldman Sachs had an original principal balance of $20,000.00. The current, outstanding balance of your loan is $20,940.93 (principal and interest). As of February 5, 2019, the Loan from ****** by Goldman Sachs is 120 days or more past due. The Loan is therefore in a charge-off status which means that the outstanding loan balance is now due and payable and that we will continue our collection efforts on this loan, to the extent allowed by law. ******** referred the Loan to ******* & Associates,a judgment was obtained, and a levy was placed on the ************** account.
******** received notification from the ************** that there were exempt funds in the ************** account, and, in November 2022, ******** provided documentation to release the hold on the exempt funds.
The Customer may direct future communications to ******* & Associates, who may be able to provide assistance. The Customer may contact ******* & Associates at *************.
Based on the above details, the Bank kindly requests this complaint be closed.
Initial Complaint
Date:11/04/2022
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.
This is an Apple Card complaint. I am an apple card user.I first changed my apple IDs email last year to *********************** from *********** (I do not have access to this since I changed my ISP). However, this email ID change did not propagate to my apple card account, and it will be a year since.Apple card support has not been able to resolve this issue thus far, and today they successfully broke my apple account. There have been multiple calls, emails, and mails between apple card and me, but the issues have not been resolved. Today it was made worse thanks to Apple card support, who called me and broke my apple account.Today the agent that called me asked me to change my apple ID email to something else and then reverse it again. I thought this was reversible and followed the agent's advice and changed my apple ID email to ******************* (This is a temporary email as well). However, when I tried to change it back as per the apple card agent's instruction, it did not work. Now I am stuck with another problem with my apple account thanks to the apple card.Also, all the statements from Apple card were being forwarded to *********** despite repeated complaints. All the statements as of today have ***********, an email that I do not have access to since last November.This is unacceptable. Someone should be held accountable, and an explanation is owed. I have wasted hundreds of hours troubleshooting this issue with Apple card and apple agents, and I have been bounced back and forth with no solution. Please fix this issue and pay me for the damages you have caused to my apple account, the time you have wasted, and the tremendous stress you have caused!
Business Response
Date: 11/18/2022
Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on November 04, 2022. We appreciate the opportunity to address the concerns raised by ************************* (the Customer) related to the email address associated with the Apple ****************** conducted an investigation and confirmed the Customer is experiencing a technical issue where the updated email address associated with the Customers Apple ID is not transferring to the Apple *********** ******** has partnered with Apple and confirmed they are currently in the process resolving the technical issue. The Customer should contact Apple directly with any additional questions.
******** regrets any frustration the Customer may have experienced.
Based on the above details, we kindly request this complaint be closed.
Customer Answer
Date: 11/22/2022
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:

[Goldman Sachs asks me to contact apple. Apple asks me to talk to Goldman and this is the death spiral thats been going on since last year. It was Goldman Sachs customer service agents who broke my Apple ID finally by asking me to perform some troubleshooting over the phone. Goldman Sachs should be held accountable for this fiasco. Goldman Sachs continues to not resolve my issue and has not taken any steps to fix the problem that they created in the first place]

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

Sincerely,

*************************

Business Response
Date: 12/02/2022

Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on November 23, 2022. We appreciate the opportunity to address the concerns raised by ************************* (the Customer) related to the email address associated with the *********************** conducted an investigation and confirmed the Customer is experiencing a technical issue where the updated email address associated with the Customers Apple ID is not transferring to the Apple *********** ******** has confirmed that Apple is currently in the process resolving the technical issue. The Customer should contact Apple directly with any additional questions, as the issue is regarding the Apple ID.
******** regrets any frustration the Customer may have experienced.
Based on the above details, we kindly request this complaint be closed.
Initial Complaint
Date:11/02/2022
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 signed up for a gym challenge and used my Apple card to pay the fee. The sale rep sold me on the extra motivation and accountability during the challenge time which I needed. I attended one virtual yoga class and the mandatory check-in session. during the check-in, they advised basically everything the sales rep sold me on was not being offered. I discontinued use of their services and disputed the charge. I have submitted whatever documents they have asked me for. My dispute keeps getting closed and the charge is added back to my card. I am being told it's due to not submitting anything, yet when I confirm it's been received I am being told they have it. I have been disputing this charge for over a year now. I just had to re-open the dispute yesterday. I have never had to go back and forth over a charge with a bank before with no resolution.
Business Response
Date: 11/16/2022
Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on November 02, 2022. We appreciate the opportunity to address the concerns raised by ******************* (the Customer)related to a transaction dispute in the amount of $399.00 with the merchant *** ***** *** posted on August 17, 2021.
*** Bank conducted an investigation related to the dispute and confirmed no error occurred. *** Customer initially contacted the Bank on August 24, 2021 and opened a dispute. A temporary credit was issued in the amount of $399.00 on August 24, 2021. *** Customer authorized the original transaction on August 15, 2021. *** evidence provided shows the Merchants Terms & Conditions were made available and must be agreed to prior to completing the purchase. *** Merchants Terms & Conditions advised all sales are final and confirmed services were rendered to the Customer. Based on the Banks investigation and the evidence available, the dispute was ruled in the Merchants favor. *** Customer was sent an email communication explaining the dispute outcome on October 14, 2021 and the Bank rebilled the temporary credit. *** evidence provided by the Merchant was sent to the Customer on November 09, 2022.
As requested, the Bank reopened the dispute on November 04,2022. *** Bank issued a temporary credit in the amount of $399.00. *** Customer was sent an email communication on November 08, *************************************************************** evidence that *** help with the investigation to the Bank by November 15, 2022. *** Customers dispute with *** Queen *** remains under investigation, and the Bank expects completion within two billing cycles after date of receipt, and no later than 90 days from date of receipt. During the investigation, the Customer does not incur interest for and is not responsible for repayment. *** temporary credits *** not be available for use during the investigation.
Based on the above details, we kindly request this complaint be closed.
Customer Answer
Date: 11/23/2022
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 issue is still under investigation and the credit applied is still only temporary. I signed up in good faith based on what I was told by the merchants sales associate. Once I went to the mandated check in I was advised of completely different information had I known in advance I would have signed up in the first place. I will consider this resolved when the temporary credit becomes permanent and I can finally put this behind me.

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

Sincerely,

*******************
Initial Complaint
Date:11/02/2022
Type:Product Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I applied for and was approved for the Goldman Sachs Apple Card through a Refer a Friend promotion with a $100 bonus promotion. After reviewing all of the details and terms of the offer with various Goldman Sachs Apple Card specialists, I was eligible to receive the promotional $100 bonus by satisfying all of the requirements but still have not received the bonus after a month. I have filed various disputes directly with Goldman Sachs but after investigating four times, they claim I did not apply through the correct link. I provided a screenshot of the exact website landing page I applied through which has a time stamp for when I applied and they still refuse to issue the promotional credit. I only opened this credit card because of the $100 promotion and they will not provide it even though the Goldman Sachs employees I have spoken with about this matter all verify I qualified.
Business Response
Date: 11/16/2022
Goldman Sachs Bank *** received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB)Complaint Portal on November 02, 2022. We appreciate the opportunity to address the concerns raised by *********************** (the Customer) related to a Daily Cash Promotion for new Apple Card accounts.
The Bank conducted an investigation and confirmed no Bank error occurred. The Terms and Conditions of the promotion state the offer is only for new Apple Card holders who apply under the promotion at apple.co/raf,open an account by September 30, 2022 and make a purchase within 7 days of opening the Apple Card account. The Bank confirmed the Customer did not apply through the appropriate referral link. As a result, the Customers application did not qualify for the promotion. As a courtesy, the Bank provided a Daily Cash credit to the Customers account in the amount of $100.00 on November 09,2022.
Based on the above details, we kindly request this complaint be closed.
Customer Answer
Date: 11/21/2022
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,

***********************

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The Goldman Sachs Group, Inc. is NOT a BBB Accredited Business.