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Business Profile

Investment Security

The Goldman Sachs Group, Inc.

Headquarters

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Investment Security.

Complaints

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

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    Customer Complaints Summary

    • 1,078 total complaints in the last 3 years.
    • 417 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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:10/20/2023

      Type:Billing Issues
      Status:
      Answered
      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 a situation with Goldman Sachs Apple Card, Mastercard. I have paid on time for over two years with a credit limit of $4,500.00. I have no credit cards that are over the limit everything is paid on time. On October 6, 2023 I made a $1,000.00 payment on my Goldman Sachs Apple Card account and was almost immediately given a credit limit DECREASE to $3,250.00. Their reason is that Im over the limit on one of my other credit cards, but Im not. I asked them to provide proof, and they responded with Im unable to access your profile at this time. Isnt this illegal?? Please help.

      Business Response

      Date: 11/03/2023

      Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on October 20, 2023. ******** appreciates the opportunity to address the concerns raised by *********************** (the Customer) related to a credit limit decrease and credit bureau reporting.
      ******** conducted a review of the account and confirmed no Bank error occurred. During the application process the Customer is provided with and must consent to the Apple Card Terms and Conditions including the Credit Report Authorization which discloses that the Customer agrees that the Bank may review the Apple Card account history and credit bureau information regularly to maintain and service the account. This is a standard practice for financial institutions, as it helps to assess the Customers creditworthiness and manage any potential risks associated with the account. On October 19, 2023, the Bank reduced the Customers credit limit as part of a standard risk assessment. Consequently, and in adherence with applicable law, the Bank sent the Customer an email notifying them of the change and detailing the reasons for the new credit limit. If the Customer has concerns with the accuracy of the information in their consumer report they should contact the credit reporting agency listed on the letter provided. 
      ******** is unable to reverse previous credit limit decisions or update the Customer's credit reporting. ******** occasionally evaluates all Apple Card accounts for credit limit increases, and the Customers account may be considered at that time. Customers may also choose to apply for a credit limit increase at any point, though the Bank recommends waiting 12 months.
      According to the Banks records, the Customer applied for a credit limit increase on October 19, 2023. ******** carefully reviewed the Customers Apple Card account history and any new credit bureau information received as part of servicing the account. ******** was unable to approve the Customers credit limit increase request. Consequently, and in adherence with applicable law, the Bank sent the Customer an email on October 19, 2023, detailing the reasons why the Bank could not approve the request. A Bank representative called the Customer on October 20, 2023, and explained why the credit limit increase was not approved. The Customer can request a credit limit increase review at any time however, the Bank recommends the Customer wait at least 90 days to allow time for the Apple Card account history and credit history to update.
      The Customer may wish to contact the credit bureaus directly to validate and potentially dispute invalid information within the credit report.
      ******** conducted a review of interactions and was unable to locate any record of misinformation provided by a Bank representative.
      Based on the above details, the Bank kindly requests for this complaint to be closed.

    • Initial Complaint

      Date:10/19/2023

      Type:Billing Issues
      Status:
      Answered
      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.
      Acct Name: ** **** ****************** Amount:$37392 DateOpened:6/21/2023Acct # **************** According to 15 USC 168i(15) the credit bureaus have to modify or delete account that are not reporting accurately. According to 15 USC ****b(1) the credit bureaus dont have no written permission According to 15 USC **** have the right to privacy According to 15 USC 168s-2 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 .(B) Reporting information after notice and confirmation of errors According to 15 USC **** I have the right to privacy According to 15 USC ****s-2 A person shall not furnish any information relating to a consumer to any any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.(B) Reporting Information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency (i) The person has been notified by the consumer, at the address specified by the person for such Notices, that specifies information inaccurate, and (ii) the information is, in, fact, inaccurate. The credit bureaus have no respect for the laws.Someone needs to hold them accountable for this.

      Business Response

      Date: 11/02/2023

      Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the ** Card via the Better Business Bureau (BBB) Complaint Portal on October 19, 2023. The Bank appreciates the opportunity to address the concerns raised by ******************************* (the Customer)related to a ** Card account opened without authorization and credit reporting.
      The Bank conducted an investigation and confirmed no Bank error occurred. Based on the Banks investigation, as well as the information provided, the Bank has determined that the Customer is liable for the account.Based on a previous investigation the Bank identified red flags related to the account. In accordance with the ** Card Customer Agreement, the Bank closed the account, and sent the Customer an email informing of the account closure on September 28, 2023. The Bank is unable to provide additional information related to the investigation.
      According to the Banks records, the Customer opened the account on June 21, 2023. During the application process, the Customer is provided with and must consent to the ** Card Terms and Conditions, which discloses that the Customer agrees that the Bank may report information to the ************************* regarding the account, which includes but is not limited to Late Payments, Missed Payments, or other defaults on the account.The Bank confirmed the credit reporting is correct and accurate. The Bank is obligated to report accurately to credit reporting agencies and is unable to remove the account from the Customers credit report.
      Based on the above details, the Bank kindly requests for this complaint to be closed.

    • Initial Complaint

      Date:10/18/2023

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      Work was done around 06/13/2023, we would like ******** worth of work done on the bathroom or give use all but **** back it honestly looks like that is they did for us. I was in a car accident and lost my husband I have called and getting no where with green sky regarding my bill or my shower. My account number **********, I also need to know if I was on the loan or if it was in my husbands name. These people are robbing the elderly and this needs to stop and I hope you can help me with this.

      Business Response

      Date: 10/31/2023

      GreenSky reached out to the customer and confirmed with her that there have been no charges placed on the GreenSky account. ********************** advised the customer of her last date to be able to transact on the account with her merchant. The customer was satisfied and did not have any further questions or concerns. At GreenSky we strive for excellent customer service and will continue to improve our process.

    • Initial Complaint

      Date:10/17/2023

      Type:Billing Issues
      Status:
      Answered
      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 noticed I had late payments from APPLE CARD/GS BANK USA on my credit report. During these months I did not receive anything stating I was late. As you can see,majority of my payments have been on time so I am requesting the removal of these late payments from my account. I am trying to increase my score to purchase a home and would greatly appreciate if you guys can submit a request to the credit reporting agencies to remove the late payments.

      Business Response

      Date: 10/30/2023

      Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on October 17, 2023. The Bank appreciates the opportunity to address the concerns raised by ********************************* (the Customer) related to credit reporting for the *********************** conducted an investigation and confirmed no Bank error occurred. According to the Banks records, the Customer opened the account on June 20, 2021. 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 ************************* regarding the account, which includes but is not limited to Late Payments, Missed Payments, or other defaults on the account.
      The Bank did not receive at least the required minimum payment for the months of October 2021, November 2021, and December 2021. As a result, the Bank reported the account to the credit reporting agencies as past due. The Bank confirmed the credit reporting is correct and accurate, 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 successfully delivered Payment Due Reminders, Missed Payment Reminders, Early Delinquency Reminders, and Eligible for Bureau Reporting reminders to the email address on file for the Customer.
      Additionally, the Bank does not have record of the Customer contacting the Bank to advise Missed Payment Reminders were not being received.
      Based on the above details, the Bank kindly request this complaint be closed.

    • Initial Complaint

      Date:10/13/2023

      Type:Billing Issues
      Status:
      Answered
      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.
      To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.GS BANK USA ACCT #: ************ BAL.$26,394 Under the Fair Credit Reporting Act, 15 U.S.C. ****g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

      Business Response

      Date: 10/26/2023

      Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on October 13, 2023. ******** appreciates the opportunity to address the concerns raised by ************************* (the Customer) related to credit bureau reporting.
      ******** conducted an investigation and confirmed no Bank error occurred. According to the Banks records, the Customer opened an Apple Card account and consented to the Apple Card Customer Agreement on September 19, 2021. As stated in the Apple Card Customer Agreement, the Bank may report information about the account to credit bureaus. ******** has not yet received a payment for the minimum amount due by April 30, 2023. As a result, the Customers account was reported as past due to the credit reporting agencies.
      ******** successfully delivered Statements and Payment Due Reminders to the email address on file for the Customer. The account was reported accurately to the credit bureau reporting agencies. ******** is obligated to report accurately to credit reporting agencies and is unable to remove the late payments from the Customers credit report.
      ******** sent the Customer documents validating the Customer's debt including a copy of the Apple Card Customer Agreement and 6 months of statement history showing records of transactions and payments to validate the balance and the debt owed on October 16, 2023. The Customer is responsible for the balance on the account in the amount of $26,792.42 provided in the latest statement from September 30, 2023.
      Based on a previous investigation the Bank identified red flags related to the account. In accordance with the Apple Card Customer Agreement, the Bank closed the account, and sent the Customer an email informing of the account closure on April 7, 2023. ******** is unable to provide additional information related to the investigation.
      Based on the above details, the Bank kindly requests for this complaint to be closed.

    • Initial Complaint

      Date:10/13/2023

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      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]

       

      Apple was sent the *** identity theft report now and via CFPB complaint  *************** not removing the trade line is violation of **** *** *a) (6) which carries a $1000 fine per incident per month. A stolen iPhone with unauthorized Apple Card charges for 24 months. Its now a crime that you continue to report this information to any credit reporting agencies. I need my fines for the **** violations paid or the tradeline removed! Stop breaking the law! 

       

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


      Sincerely,

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




       

      Business Response

      Date: 10/26/2023

      Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on October 13, 2023. The Bank appreciates the opportunity to address the concerns raised by ***************************** (the Customer) related to an Apple Card account opened without authorization.

       The Bank conducted an investigation and confirmed no Bank error occurred. Based on the Banks investigation, as well as the information provided, the Bank has determined that the Customer is liable for the account. During the investigation, the Bank identified red flags related to the account. Based on the investigation and in accordance with the Apple Card Customer Agreement, the Bank closed the account and sent the Customer an email informing of the account closure on October 14, 2023.

      ******** has no record of the Customer providing a police report. The Bank attempted to contact the Customer on October 13, 2023, October 16, 2023, October 17, 2023, October 19, 2023, October 20, 2023, October 23, 2023, and October 24, 2023, but was unable to reach the Customer. The Customer should contact the Bank directly to discuss the credit reporting on the account. The Bank is unable to remove the trade line or inquiry from the Customers credit reporting.
      Based on the above details, the Bank kindly requests for this complaint to be closed.

      Business Response

      Date: 12/27/2023

      Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on December 17, 2023. ******** appreciates the opportunity to address the concerns raised by ***************************** (the Customer) related to unauthorized transactions and credit reporting for the Apple ******************** conducted an investigation and confirmed no error occurred. As provided in the Banks previous response, the Bank was unable to locate any contacts or disputes made by the Customer informing of unauthorized transactions on the account. The Customer may contact the Bank directly to dispute any unauthorized items on the account related to a stolen device. The Bank is available by phone at ************** or by message from the Wallet app. ******** is available 24 hours a day, 7 days a week.

      ******** confirmed the account was reported accurately to the **************************** ******** is obligated to report accurately to *************************** and is unable to update the Customers credit reporting. ******** is unable to provide the Customer with compensation.

      ******** attempted to Contact the Customer on December 18, 2023, December 22, 2023, and December 26, 2023, but was unsuccessful.
      Based on the above details, the Bank kindly requests for this complaint to be closed.

      Customer Answer

      Date: 01/13/2024

      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:

      This is why banks need to be repeatedly fined in the millions by the ***** They respond with lies. Its a crime to state your following the law and that your accurately reporting when attached to this complaint is an active federal FTC identity theft report so your not abiding by the law. Including informing your representative who called me to review the documents sent to you all including the iPhone that the police department returned reported stolen with a year of unauthorized Apple Card charges. There are monetary damages owed. Including damaging my credit. 

       

       

       

       






       

    • Initial Complaint

      Date:10/12/2023

      Type:Billing Issues
      Status:
      Answered
      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 my Apple Card I made a purchase for ****** at ******** which was supposed to give me $3.32 cash back that was never credited. I reached out to customer service and spoke to **** who spent an hour telling me that I had been given my rewards first as a payment towards my account (proof was provided that showed that didnt happen) to which he said that I need to talk to ***************** we are Goldman Sachs which didnt have anything to do with the rewards. He then said I was given the credit in 2 payments because that was a higher amount Perfect! I could see here the daily case, which was divided into two, ********************T $2.21 and **************************************** $1.11, this is the reason why you don't see the entire amount of this reward. which I again provided proof that that did not happen to which he responded my saying if I wanted to file a complaint he could provide me an address.

      Business Response

      Date: 10/26/2023

      Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on October 12, 2023. ******** appreciates the opportunity to address the concerns raised by ********************* (the Customer) related to Daily ******************** conducted an investigation and confirmed a communication error occurred. ******** offers a promotion for Apple Card and ******** Customers who can earn 3% Daily Cash on purchases when using Apple Card with Apple Pay at ********. 3% Daily Cash is available for purchases using Apple Card with Apple Pay in ******** U.S. stores, and bill payments and AutoPay on t mobile.com and in the ******** app. Authorized ******** dealers are not eligible for 3% Daily Cash and can be found on t mobile.com/store-locator. Sprint account payments, and purchases made through any Sprint checkout, including those at ******** U.S. stores, are not eligible for 3% Daily Cash.
      According to Bank records, on October 04, 2023, a purchase in the amount of $110.69 was made with ********. ******** confirmed the Apple Pay that was used to make the purchase is connected to the Apple ID of the Co-Owner of the Apple Card account. ******** confirmed the Co-Owner received 3% Daily Cash for the purchase with ******** in the amount of $3.32.
      ******** reviewed the interactions with the Customer and confirmed a communication error occurred on October 10, 2023. A Bank representative incorrectly advised the Customer the Daily Cash earned for the ******** purchase was being automatically redeemed to the Customers Apple Card balance. Because the Apple Pay used to make the purchase belongs to the Co-Owner of the account it was automatically redeemed to the Co-Owners Apple Pay account. ******** directs the Customer to Apple regarding any questions or concerns related to the Apple Pay account and balance. Additionally, the Rewards Inquiry submitted on October 10, 2023, was submitted in error. The Bank confirmed an email was sent to the Customer detailing the outcome of the inquiry on October 13, 2023.
      ******** is unable to provide the Customer with a billing adjustment or compensation.
      ******** attempted to reach the Customer on October 16, 2023, to provide this information but was unsuccessful at reaching the Customer.
      Based on the above details, the Bank kindly request this complaint be closed.

    • Initial Complaint

      Date:10/12/2023

      Type:Customer Service Issues
      Status:
      Resolved
      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.
      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 applied so many times because the first 4 times the response was that transunion had a record that my credit balance was too high. The only card I had at the time was Apple and the balance was paid down. Apple showed the balance was low but transunion doesnt update their records on demand. After my transunion report showed that my balance was low as well as Apple, I got a different response saying that I have a fraud alert on my credit report and I couldnt be contacted and was denied. No one tried to contact me. Not one phone call as they are supposed to do for a person who has a fraud alert on their credit report. It was just denied. I even called the bank customer service and asked them to make the call to verify who I was. The lady said that I would receive the call within 30 minutes on that day. No one called. I then tried to request a credit line increase again with the same result. Its just one giant loop designed to not extend more credit to customers. I am not sure how an investigation was conducted and all of this was not uncovered when I have the emails and the chats with customer service as proof. I have been an apple customer for years. I buy only apple devices because I genuinely love there products so I thought the apple card would be a great addition. I was wrong. I cant blame apple I blame the bank. 

       

       

       

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


      Sincerely,

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




       

      Business Response

      Date: 10/26/2023

      Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on October 12, 2023. ******** appreciates the opportunity to address the concerns raised by ************* (the Customer) related to a credit limit increase.
      ******** conducted an investigation and confirmed no Bank error occurred. According to the Banks records, the Customer applied for a credit limit increase on September 13, 2023, September 16, 2023, October 2, 2023, and October 4, 2023. ******** carefully reviewed the Customers Apple Card account history and any new credit bureau information received as part of servicing the account. ******** attempted to contact the Customer on October 2, 2023, October 3, 2023, October 4, 2023, October 5, 2023, October 6, 2023, and October 7, 2023, but was unsuccessful. Due to this, the Bank was unable to approve the Customers credit limit increase request. Consequently, and in adherence with applicable law, the Bank sent the Customer an email on September 13, 2023, September 16, 2023, October 4, 2023, and October 7, 2023, detailing the reasons why the Bank could not approve the request. The Customer can request a credit limit increase review at any time however, the Bank recommends the Customer wait at least 90 days to allow time for the Apple Card account history and credit history to update.
      Based on the above details, the Bank kindly requests for this complaint to be closed.

      Business Response

      Date: 11/08/2023

      Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on October 31, 2023. ******** appreciates the opportunity to address the concerns raised by ************* (the Customer) related to a credit limit increase.
      ******** conducted an investigation and confirmed no Bank error occurred. According to the Banks records, the Customer applied for a credit limit increase on September 13, 2023, September 16, 2023, October 2, 2023, and October 4, 2023. ******** carefully reviewed the Customers Apple Card account history and any new credit bureau information received as part of servicing the account. ******** attempted to contact the Customer on October 2, 2023, October 3, 2023, October 4, 2023, October 5, 2023, October 6, 2023, and October 7, 2023, but was unsuccessful. Due to this, the Bank was unable to approve the Customers credit limit increase request. Consequently, and in adherence with applicable law, the Bank sent the Customer an email on September 13, 2023, September 16, 2023, October 4, 2023, and October 7, 2023, detailing the reasons why the Bank could not approve the request. The Customer can request a credit limit increase review at any time however, the Bank recommends the Customer wait at least 90 days to allow time for the Apple Card account history and credit history to update.
      ******** contacted the Customer on November 2, 2023, and addressed the Customer's credit limit increase requests.
      Based on the above details, the Bank kindly requests for this complaint to be closed.

      Customer Answer

      Date: 11/09/2023

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is a total and complete lie on the banks part. I spoke to a bank representative named **** after I submitted with complaint and  he told me he saw all the errors that were made by the representatives from the bank that I spoke with. He said he was unable to do anything if the reps notes said they called me even if they didnt. He also told me that he couldnt and wouldnt tell me what numbers they tried to reach me at. This issue was never  resolved and most likely never will be because the bank will not publicly admit fault and their lack of care for their customers. 

      Sincerely,

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



       

    • Initial Complaint

      Date:10/10/2023

      Type:Billing Issues
      Status:
      Answered
      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.
      To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.GS BANK USA ACCT #: 11** BAL.$822.00 GS BANK USA ACCT #: **************** BAL.$144.00 Under the Fair Credit Reporting Act, 15 U.S.C. ****g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

      Business Response

      Date: 10/24/2023

      Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on October 10, 2023. The Bank appreciates the opportunity to address the concerns raised by **************** (the Customer) related to a debt validation request.
      The Bank conducted an investigation and confirmed no Bank error occurred. According to the Banks records, the Customer opened the account on December 13, 2020. During the application process the Customer is provided with and must consent to the Apple Card Terms and Conditions including the Credit Report Authorization which discloses that the Customer agrees that the Bank may report information to the ************************* regarding the account, which includes but is not limited to Late Payments, Missed Payments, or other defaults on the account. The Bank is obligated to report accurately to credit reporting agencies and is unable remove the Customers account from credit reporting. The Bank confirmed the credit reporting is correct and accurate.
      The Bank sent the Customer documents validating the Customer's debt including a copy of the Apple Card Customer Agreement and all of statement history showing records of transactions and payments to validate the balance and the debt owed on October 23, 2023. The Customer is responsible for the balance on the account in the amount of $841.12 provided in the latest statement from September 30, 2023. The Bank is unable to provide the Customer with signed documents as the Customer electronically consented to the Apple Card Terms and Conditions by completing the application and opening the account.
      The Bank attempted to contact the customer but was unsuccessful.
      Based on the above details, we kindly request this complaint be closed.

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

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