Complaints

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

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• 

  The Goldman Sachs Group, Inc.

  200 West Street New York, NY 10282-2102

• 

  Goldman Sachs

  555 California St. San Francisco, CA 94104

• 

  Goldman Sachs 10,000 Small Businesses Program

  550 East Spring Street Columbus, OH 43215

• 

  Goldman Sachs Personal Financial Managerment

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

• 

  Goldman Sachs & Co

  11605 Haynes Bridge Rd Alpharetta, GA 30004

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:09/30/2022

  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 applied for financing through GreenSky on 9/1/2022 for a new **** system. I received approval, activated the account, and registered on the portal (9/1/2022). I notified my merchant & scheduled the **** install. On 9/26/22 I set up Auto Pay on the account portal in preparation for the **** installation charges. The **** was installed today. The merchant attempted to process the purchase and was denied. I called GreenSky & spoke with a representative who stated that the account was active & had been since 9/1/22. I asked why the purchase was denied. She paused, & responded that she was seeing that now the account was closed. I asked how an account can be both active and closed? Why was it closed when I did not close it? Why do I have access to a online portal which states I have an open line of credit? She said she was going to place me on hold & figure it out. 20 minutes later she returned, stated that she corrected the ************ was active. I asked why it had stated it was closed, she gave no answer & said it was corrected & we should be able to process the purchase. Merchant ran purchase, again was denied. I called back GreenSky. Spoke to another rep who first stated that the account was active. I explained the issue, she paused, then replied that the account was closed. I asked why. She responded that the initial application was denied. I asked how an application that was approved on the 1st, has been active since the 1st, can all of a sudden be denied. She responded that it was denied after review, she then transferred me to another rep in accounts. That representative stated that the account application had been denied. I asked why. She stated she could not provide a reason (GreenSky is violating ECOA). She said she would forward my complaint to anther office. I have yet to hear from that office. My account is listed as active on the online portal. GreenSky's behavior is unprecedented & unethical.

  Business Response

  Date: 10/11/2022

  GreenSky investigated the primary applicants claims.   The credit application was approved in error.  The account was closed as soon as the mistake was found. However, the account was activated prior to the GreenSky closing the application.  Our records indicate that the primary applicant spoke with a Front Line Manager and was advised that she could reapply by herself.  We apologize for the applicants experience and will continue to improve our policies and training.

  Customer Answer

  Date: 10/14/2022

  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]

  GreenSky has not provided a written explanation about why the application was approved in error. In my communications with the credit operations department, I was told: (a) the account was closed at 1:30pm 9/29/2022, the exact time that I called to raise concern about the merchant being unable to process payment, (b) the account was now closed and the online account will reflect the closure within 24 hours (c) we would be receiving a detailed letter explaining why our application was approved in error. Since that time, the online account has remained open and active with a line of credit displayed as available,I received a letter dated 9/30 which states At this time, your GreenSky Program Loan account has been closed at your request. If you would like to reopen this account, please contact our **************** team, on 10/4 I received another letter stating This letter will confirm our conversation in which we discussed the results of our investigation and the resolution of your complaint. The letter also stated that they contacted the merchant.
  We did not request the closure of the account. We did not have a conversation in which the results and a resolution were discussed. We have yet to receive a written explanation as to why our account was closed after it was open for 29 days until the day, we went to use the account, or why our application approved in error. They also had no communication with our merchant.

   

   

   

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

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

  Business Response

  Date: 10/27/2022

  GreenSky has re-opened the applicants complaint case and will conduct further investigation of the claims as the applicant is not satisfied with the GreenSkys prior resolution.We will contact the applicant directly in order to resolve any outstanding concerns.  We apologize for the applicants experience and look forward to reaching a mutually agreeable resolution.

  Customer Answer

  Date: 11/12/2022

  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:

   

  We have not received a written explanation explaining why the account was closed and application denied after approval. On October 30th we filed a complaint with the *** DA for violation of ECOA. I received a phone call on Nov. 1st from a GreenSky customer service representative stating that they reviewed our case and will open our account. I explained that this does not resolve the issue because it has been a month since the account was closed without notice and we had to pay the vendor out of pocket. I again requested a written explanation for the account closer and application denial. The customer service representative then asked if I would like to close the account and I hung up.
  

   

   

   

   

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

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

• Initial Complaint

  Date:09/29/2022

  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.

  Under 15 U.S. Code ****j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.GS BANK USA Account Number: ********* Delete this unverified and misleading account.

  Business Response

  Date: 10/13/2022

  ****** 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 September 29, 2022. We appreciate the opportunity to address the issues raised by *************************** (the Customer) and the ******************** related to a verification of debt and the information furnished by the Bank to the Consumer Reporting Agencies.
  The Customers complaint requests a debt validation for their personal loan (the Loan), including payment history and outstanding balance, and information reported to the ************************** The Bank conducted an investigation and reviewed the information provided by the Customer, as well as our records, and determined that there is no error with the Loans payment history and outstanding balance, and we have confirmed the account information being furnished to the ************************* is complete and accurate.
  Our records indicate the Customer applied for the Loan on October 18, 2017 via LendingTree.com. The Customer completed the application online; as part of the process, the Customer reviewed the application and loan information, submitted the application, and agreed electronically to the Loan agreement. The Loan was originated with an original balance of $6,000.00, with the funds disbursed to a bank account the Customer designated. As of September 14, 2021, the Loan was ******************************** a charge-off status, with the total balance due of $589.44.
  We have previously received and responded to the Customers request for debt validation, with our most recent response on August 5, 2022. Our position remains that the Customer is responsible for the above referenced Loan and outstanding balance.
  A written response to this complaint will be sent directly to the Consumer. The response will include a copy of the Customers loan agreement and the transaction history, which shows the application of all payments to principal and interest. The transaction history demonstrates the manner in which the Bank calculated the current outstanding balance of the Loan. Additionally, the Bank will cease and desist contact with the customer per the customers request.
  The Bank has referred the account to ******* & Associates. The Customer may direct future communications to ******* & Associates, who may be able to provide repayment assistance. The Customer may contact ******* & Associates at **************.
  Based on the above details, we kindly request this complaint be closed.

• Initial Complaint

  Date:09/28/2022

  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.

  Today 10/26/2022 I received a letter from GreenSky A Goldman Sachs Company ********************************************. The letter is a Past Due Notice that I owe $19,217.25 and the Lender is BMO ****** BANK N.A. The problem is I never applied for this Loan. I don't even know who this company is. This amount is showing up on my Credit Score under Personal Loans. I would like to see the Original contract that was in my name, I never gave authority for this loan. I believe this a mistaken Identity, or a fraud nature, meaning that someone else has taken my ID. I would also like a copy of the signature of this contract. The letter addressee, is also not correct. I would also like to see if they have a photo ID of me for verification.

  Customer Answer

  Date: 09/29/2022

  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.

  I found from where this loan is from and NO further action is needed.

  Thank You

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

  
  

• Initial Complaint

  Date:09/21/2022

  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.

  Company is criminal and fraudulently collecting interest payments from me. A $1,100 transaction was reversed twice once on the 08/31/22 and again on 9/21/22 both for the same amount which as a result charging my credit account twice. The people who were looking through my account carelessly pushed two of the same transactions after having my account on hold unusable for 5 months. Every representative i have spoken to has been no help and all have progressively made everything worse with no resolution. I need the second duplicate charge removed before it is reported to the credit agency.

  Business Response

  Date: 10/05/2022

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on September 21, 2022. We appreciate the opportunity to address the concerns raised by ***************************** (the Customer) related to a transaction dispute with the merchant H&B Xtreme Atv Ren in the amount of $2,220.00.
  
  The Bank conducted an investigation and confirmed the transaction posted to the account on April 26, 2021. The Customer initially disputed the transaction on April 27, ************************************************************************ the amount of $2,220.00 while the dispute was investigated. Based on the Banks investigation, the dispute was resolved as a split decision partially in favor of the Customer and the Merchant on June 08, 2021 after the merchant H&B Xtreme Atv Ren issued a refund to the Customers account in the amounts of $850.00 and $250.00 on April 26, 2021. As a result, the Bank reversed part of the temporary credit in the amount $1,100.00 and made the remaining credit totaling $1,120.00 permanent.
  
  Due to an inadvertent technology issue, the Customers available credit for the amount ruled in the Customers favor was unavailable for use totaling $1,100.00. On September 21, 2022, the Customers available credit was made available for use, however, due to another inadvertent technology issue, $1,100.00 was rebilled to the Customers account a second time in error.On September 29, 2022, the Bank applied a permanent credit to the Customers account in the amount of $1,100.00 and the applicable interest assessed totaling $203.20. The Bank confirmed the Customer has been made whole. The Bank regrets any frustrations or confusion the Customer has experienced.
  
  Based on the above details, we kindly request this complaint to be closed.

  Customer Answer

  Date: 10/13/2022

  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:09/20/2022

  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.

  On 9/18/22, I applied for an Apple credit card through Goldman Sachs Bank. I have good credit, yet my application was denied. The reason given for denial was, "You have applied a number of times and we cannot verify the information you have provided at this time".I have not applied a number of times. Their claim of such is a lie. I applied once.The fact they cannot verify the information provided is a lie too. Everything I provided in the application is verifiable.

  Business Response

  Date: 10/04/2022

   
  Goldman Sachs Bank *** received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on September 20, 2022. We appreciate the opportunity to address the concerns raised by ******************************* (the Consumer related to a declined application for the Apple Card.
  ******** conducted an investigation and confirmed no bank error occurred. ********s records indicate an application for an Apple Card was submitted on September 18, 2022. As part of the application process for the Apple Card, the Bank conducted a review to research any red flags identified and to verify the identity of all applicants. ******** does this to protect Consumers from identity theft and fraud. Subsequently, the Bank declined the application as a result of the inability to verify the identity of the applicant. Consequently,and in adherence with applicable law, the Bank sent the Consumer an email detailing the reasons the application was not approved. If the applicant chooses to reapply, they should ensure they are inputting the correct personal identifying information on the application, and if prompted to upload a photo ID, ensure it is a clear photo of an unobstructed state-issued ID or Drivers license.
  A Bank representative attempted to contact the Consumer on October 3, 2022, to address any concerns, but was unsuccessful.
  Based on the above details, we kindly request this complaint be closed.

  Customer Answer

  Date: 10/21/2022

  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:

  I most certainly input the correct personal identifying information on the application.  The application did not ask for my driver's license.  Where should a copy of this be sent to?  I received zero correspondence from Goldman Sachs on October 3rd, so that is a lie.

  I am me, so in adherence with the law. Goldman Sachs can process my application.
  

  [Your Answer Here]

   

   

   

   

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

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

  Business Response

  Date: 06/02/2023

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on May 26, 2023. ******** appreciates the opportunity to address the concerns raised by ******************************* (the Customer) related to a declined application for Apple Card.
  As provided in the Banks previous responses, the Bank conducted an investigation and confirmed no error occurred. An application for the Apple Card was submitted on September 18, 2022. As part of the application process for the Apple Card, the Bank conducted a review to research any red flags identified and to verify the identity of all applicants. ******** does this to protect Consumers from identity theft and fraud. Subsequently, the Bank declined the application as a result of the inability to verify the identity of the applicant. When the Customer was advised that they had applied a number of times, this was in regard to total applications on the credit report and not just for the Apple Card. Consequently, and in adherence with applicable law, the Bank sent the Customer an email detailing the reasons the application was not approved. These emails provide contact information for the ************************* should the Consumer have concerns related to the accuracy of the information reported within the Consumers Credit Report. ******** has no additional records of the Customer applying for an Apple Card.  There are no other applications for an Apple Card.
  A Bank representative contacted the Customer on March 15, 2023, to address their concerns, however, the Customer requested that the Bank never call again, and disconnected. ******** has no additional records of the Customer applying for an Apple Card. The Customer should contact the Bank directly with any questions or concerns about the application process. ******** is available by phone at **************. Apple Card Specialists are available 24 hours a day, 7 days a week.
  ******** has no additional details to provide and considers this matter closed.

  Customer Answer

  Date: 07/10/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  I asked Goldman Sachs in my rebuttals the dates I applied for the card, since it says I applied multiple times.  Goldman did not answer the question, yet the BBB closed it as answered.  That is untrue. 

   

   

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

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

• Initial Complaint

  Date:09/19/2022

  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.

  Extremely predatory. Major scam. Deceptive and falsified agreement terms. Bait-and-switch tactics. Advertised promotion period is four months, not one year as promised. Promotion terms are falsified, as exorbitant interest fees are compounded daily within the so-called promotion period, which stated no interest would be charged during this period. I would have been better off paying the contractor directly in full. If Greensky will agree to remove the predatory and falsified interest charges, I will pay the account in fulll, in the amount we originally agreed to, and never have any further contact with this unethical business.

  Business Response

  Date: 09/23/2022

  Upon receipt of the customers concerns, GreenSky spoke to the customer, explained the loan terms, and the deferred interest.  It is our policy to include the accruing interest on the customers monthly statements so that the customer knows how much interest is accruing.  At the top of the customers monthly statement it states, You are on a deferred interest plan.  To have your total deferred interest accrued waived, pay off your promotional balance of $x,xxxx.** by promotion expiration date of 08/12/2023.  Additionally, the loan document state Interest charged to account is waived if entire purchase balance is paid before the end of the promo period.   We will be happy to discuss this further with the customer upon her returning our call.  It is our goal to provide excellent service.

• Initial Complaint

  Date:09/19/2022

  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.

  4-26-22 purchases were made using my apple card (Goldman-Sachs ). The purchases were made online. Four Phones were purchased. Each cost $999.00 totaling $3,996.00. The transaction is fraudlent. As soon as I was aware that my identity was stolen I contacted Apple and Goldman Sachs to make them aware of fraud. May 5, 2022 an adjustment was made but still left a balance of $1,884.38 on my account. The person that stole my identity financed the phones on my apple card. I have tried through numerous calls and also with the help of my local bank to no avail to get this taken care of. I filed a police report immediatly and all of my local banks have removed any loans or debit card purchases. Goldman Sachs still has not taken care of the remaining balance. I did not purchase any phones and you can see on my statement they were all purchased in the same tranaction. I will attach the police report and my Apple Card statement for verification. I am requesting the apple card be brought to a zero balance and the card CLOSED so the hacker may not use the card again. I would also like the derogatory information be removed from my credit report.

  Business Response

  Date: 10/03/2022

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on September 19, 2022. We appreciate the opportunity to address the concerns raised by ************************* (the Customer) related to four unauthorized transactions in the amounts of $999.00 each with the merchant Apple Online ******************* conducted an investigation and confirmed no Bank error occurred. The unauthorized transactions posted to the account on April 26, 2022. The Customer contacted the Bank on April 26, ************************************* the amounts of $999.00 each with the merchant Apple Online Store. The Bank applied temporary credits to the Customers account while the disputes were investigated. The Bank conducted an investigation related to the disputes and based on an investigation, the Bank resolved the disputes in favor of the Customer and the temporary credits were made permanent on August 19, 2022. The Bank sent the Customer emails detailing the dispute outcomes. On September 21, 2022, the Bank disputed the additional two posted transactions in the amounts of $999.00 each with the merchant Apple Online Store and applied temporary credits to the Customers account. The Bank confirmed the disputes 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. As of September 30, 2022, the Customers account has a credit balance of $527.20.
  As a part of a regular account review process, the Bank placed a restriction on the account until additional research could be completed and until the Customer could secure their Apple ID with Apple. During the Banks account review process, the Customer contacted the Bank on June 30, 2022 and closed their Apple Card account. The Bank confirms the Customers account was closed.
  Based on the above details, we kindly request this complaint to be closed.

• Initial Complaint

  Date:09/14/2022

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been having difficulty with getting assistance with customer service and tech support. I am requesting a company representative contact me so the issues I am having is corrected. I hope to hear from someone so the matter can be corrected please.

  Business Response

  Date: 09/28/2022

  Goldman Sachs Bank USA received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on September 14, 2022. We appreciate the opportunity to address the concerns raised by *********************** (the Consumer) related to receiving a phone call from the ******************** conducted an investigation and confirmed no error occurred. A Bank representative contacted the Consumer on September 27, 2022, and addressed the Consumers concerns regarding a declined application. The Banks records indicate an application for an Apple Card was submitted on September 10, 2022. As part of the application process for the Apple Card, the Bank conducted a review to research any red flags identified and to verify the identity of all applicants. The Bank does this to protect Consumers from identity theft and fraud. Subsequently, the Bank declined the application as a result of the inability to verify the identity of the applicant. Consequently, and in adherence with applicable law, the Bank sent the Consumer an email detailing the reasons the application was not approved. If the applicant chooses to reapply, they should ensure they are inputting the correct personal identifying information on the application, and if prompted to upload a photo ID, ensure it is a clear photo of an unobstructed state-issued ID or Drivers license.
  Based on the above details, we kindly request this complaint be closed.

  Customer Answer

  Date: 10/24/2022

  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.
  I have spoken to a Customer Service  representative  who was to help resolve the issue. 
  Sincerely,
  
  ***********************
  
  
  
   
  
  

• Initial Complaint

  Date:09/12/2022

  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.

  Ive paid my bill in full every month yet was denied for CLI due to not paying enough of my balance? And they wont explain it in further detail *********** me again.

  Business Response

  Date: 09/26/2022

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on September 12, 2022. We appreciate the opportunity to address the concerns raised by ******************* (the Customer) related to their credit limit increase request for the Apple Card.
  
  ******** conducted an investigation and confirmed that no bank error occurred.According to the Banks records, the most recent credit limit increase request was on September 04, 2022. ******** 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 September 04, 2022, detailing the reasons 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. 
  A Bank representative attempted to contact the customer on September 12, 2022, September 13, 2022, September 15,2022, and September 16, 2022 but was unsuccessful.
  

  Based on the above details, we kindly request this complaint be closed.

• Initial Complaint

  Date:09/09/2022

  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.

  Please send me the documentation about this account, if you cant evidence this account you need to remove these late reported immediately. These are billing errors. I'm working hard on trying to clean up my credit. This is hurting my chances on improving my living situation.

  Business Response

  Date: 09/23/2022

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on September 09, 2022. We appreciate the opportunity to address the concerns raised by ***************** (the Customer) related to past due reporting for the Apple Card.
  ******** conducted an investigation and confirmed due to a processing error, there was a delay in the Bank responding to the Customers correspondence received on July 31, 2022. The March 2022 statement shows the minimum amount due by April 30, 2022, was $34.00. No payments were made in April 2022 or May 2022. The minimum amount was satisfied on June 20, 2022, when a payment in the amount of $70.00 was made. The June 2022 statement shows the minimum amount due by July 31, 2022, was $69.00. No payments were made in July 2022 or August 2022. The minimum amount was satisfied on September 01 2022, when a payment in the amount of $105.00 was made ******** successfully delivered Payment Due Reminders, Missed Payment Reminders, Eligible for Bureau Reporting reminders to the email address on file for the Customer. The account has been reported accurately to the credit bureau reporting agencies. ******** is obligated to report accurately to credit reporting agencies. The Bank is unable to update the Customers credit reporting.
  The monthly statements for the past six (6) months have been mailed to the Customer on September 12, 2022. The Customer can access all monthly statements in the Wallet app or online at card.apple.com. This documentation will show all charges, payments, and credits made on the account for any given month. 
  ******** regrets any frustration the Customer may have experienced.
  Based on the above details, we kindly request this complaint be closed.