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.

close

Find a Location

The Goldman Sachs Group, Inc. has 8 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  The Goldman Sachs Group, Inc.

  200 West Street New York, NY 10282-2102

• 

  Goldman Sachs

  555 California St. San Francisco, CA 94104

• 

  Goldman Sachs & Co

  11605 Haynes Bridge Rd Alpharetta, GA 30004

• 

  Goldman, Sachs & Co.

  100 Crescent Ct STE 1000 Dallas, TX 75201-7893

• 

  Goldman Sachs Personal Financial Managerment

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

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

• Initial Complaint

  Date:08/18/2022

  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.

  We just moved and have changed bank accounts. In the last part of July I added our new bank account to the Apple Card through Apple Wallet and set it for the default. On July ***************************************** the process the older bank was charged rather than our new bank.When I realized this error I called Apple for help resolving this issue on July 30. The agent was able to initiate a dispute for the bad transaction but was unable to process a charge against the correct bank for the proper amount. She was unable to find a supervisor to help and asked me to call back in 30 minutes. When I called the new specialist ran into the same issues and was unable to process the amount due through the correct bank. We got the help of a supervisor with the same results. I was told to call back in the morning of July 31 to speak to another supervisor who might help.I did call back and asked to speak with a supervisor immediately. I expressed my concern that we needed to resolve this issue in order to avoid interest charges and negative reporting on my Credit Score. She attempted several times to process the full amount due against the proper bank without success. She suggested that perhaps we could not process because the system showed a remaining balance of less than what we were trying to charge. Her solution was to wait until the bad transaction fell out of the system and then make the proper payment from the correct bank. She assured me that once that had been done any interest charges incurred would be refunded and because the issue would be resolved before the end of the billing period no negative report would go against the Credit Score.Once I finally processed the correct payment through another specialist a few days later I was told there would be no refund of interest. She offered a $25 courtesy against a $72.83 interest charge. I have attempted several times since to resolve through chat and phone but without success. I want full credit of the interest.

  Business Response

  Date: 09/01/2022

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on August 18, 2022. We appreciate the opportunity to address the concerns raised by ************************* (the Customer) related to a payment made in the amount of $4,856.29.
  ******** conducted an investigation and confirmed no Bank error occurred. The Bank confirmed the Customer made a one-time payment in the amount of $4,856.29 to be paid on July 30, 2022 with the bank account ending in ****. According to the Banks records, the Customer contacted the Bank on July 30, 2022 and requested to cancel the payment because the payment was made with the incorrect bank account. The payment was unable to be cancelled immediately. As a result, a payment dispute was created. ******** must resolve payment disputes within two complete billing cycles after receipt, but no later than 90 days after receipt, however these disputes are nearly always resolved within ***** days. Due to the payment made on July 30, 2022, the Bank was unable to schedule an additional one-time payment because the remaining balance was less than the payment amount of $4,856.29. On August 02, 2022, the payment made on July 30, 2022 rejected and did not post to the account. As a result of the payment rejecting, the payment that was applied to the account was reversed and the Bank assessed $72.83 in interest. The Customer scheduled a one-time payment in the amount of $4,856.29 to be paid on August 03, 2022 with the bank account ending in ****.
  ******** conducted a review of an interaction from July 31, 2022 and was unable to locate any misinformation provided by a Bank representative. The Bank confirmed no Bank errors occurred in assessing interest to the Customers account. As a courtesy, the Bank backdated the payment made on August 03, 2022 in the amount of $4,856.29 to July 31, ****************************************** the amount of $72.83. ******** regrets the frustrations this Customer has experienced.
  Based on the above details, we kindly request this complaint to be closed.

  Customer Answer

  Date: 09/12/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and while their explanation of the fact is not entirely accurate, I find that this resolution is satisfactory to me and the matter has been resolved.
  
  Sincerely,
  
  *************************
  
  
  
   
  
  

• Initial Complaint

  Date:08/17/2022

  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 made travel plans through a travel agency to visit family in April 2021. The travel agency Gotogate (the merchant) charged my Apple Card in two separate transactions, as intended. After the initial confirmation email I didnt receive anything from the merchant, but figured nothing of it, as the flight was weeks away. I found, that Covid restrictions had changed for my destination and made the decision to postpone until a better/later date. I emailed the merchant (no phone #) and was told that in order to change flights I must contact the Airline directly. I contacted Tap Air Portugal (the airline on the confirmation email from the merchant) and spoke to a representative, giving them my information. They stated no such information was in their system and suggested I contact the merchant. I asked the airline representative if the information would be different because of the 3rd party travel agency, to which I was told no. I contacted the Merchant again via email, and was told that I could not change or cancel the tickets through them. I began to believe this as fishy, and filed a dispute with Goldman Sachs. Since this point, I never received an email that included tickets, nor have I ever received any email/phone correspondence from the merchant or the Airline with ticket information as my information does not exist with them. The merchant took my money and never gave me anything in return. I have sent all email correspondence, transcribed audio of phone calls, audio files, screen recordings etc to Goldman Sachs to dispute. I have filed a dispute on these transactions 3 times (this makes 6 disputes total) over the last 18 months, each time GS sides with the merchant. I have spent countless hours on the phone with GS Supervisors all tell me that they can do nothing but that this is very wrong and that I should be given the credit. When choosing this card, I expected Apple to care more for their consumers than a con merchant. If I could cancel this card I would.

  Business Response

  Date: 08/31/2022

  Goldman Sachs Bank USA received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on August 17,2022. We appreciate the opportunity to address the concerns raised by *************************** (the Customer) related to transaction disputes with the merchant Gotogate in the amounts of $934.98 and $950.60.
  ******** conducted an investigation and confirmed due to a processing error,the transaction disputes were incorrectly resolved holding the Customer liable.On May 30, 2021, the Customer authorized two transactions with the merchant Gotogate in the amounts of $934.98 and $950.60. On June 23, 2021, the Customer contacted the Bank and initiated a dispute for each transaction. A temporary credit was issued to the account for each transaction. On August 25, 2021, both disputes were incorrectly resolved holding the Customer liable, and the temporary credits were rebilled. ******** sent an email to the Customer detailing the dispute outcome on August 25, 2021.
  The Customer initiated 4 additional transaction disputes, all which were incorrectly resolved holding the Customer liable. The most recent dispute for the transaction in the amount of $934.98 was initiated on June 30, 2022, and a temporary credit was applied to the account. The most recent dispute for the transaction in the amount of $950.60 was initiated on August 26, 2022, and a temporary credit was applied to the account. After further investigation, both disputes were resolved in the Customers favor on August 29, 2022, and both temporary credits were made permanent.  ******** sent a communication to the Customer detailing the dispute outcome on August 29, 2022.
  ******** regrets any frustration the Customer may have experienced.
  Based on the above details, we kindly request this complaint be closed.

  Customer Answer

  Date: 09/09/2022

  I am frustrated to see that after over 18 months, receiving certified mail from Goldman Sachs stating that there were many errors with dispute resolutions for the company and for me to reinitiate the disputes, and countless phone calls afterwards explaining this and my situation, that the issue was a processing error from the beginning. I was never advised of this being the reason why my particular dispute was resolved incorrectly officially, but I did address this as a concern during every phone call I made regarding these disputes. Goldmans apology for the frustration that I experienced falls of deaf ears as this is not even close to something that I consider to be a proper apology. I am happy to see that someone at Goldman saw my case and actually did the work to see what happened in order for this situation to be resolved. However, I am upset that no one, not a single person or chat agent from Goldman was able to tell me the reason why this happened and therefore I have zero confidence in this company. I am unfortunately still a patron of Goldman Sachs as this is a credit card, therefore there is not much I can do in regard to my complaints regarding the professionalism and customer service that were entirely absent during my communications with Goldman. As I stated in my complaint, I still regret getting this card, and will not recommend its services to anyone. 
  

  The resolution I asked for in this complaint has been resolved now, however this should have been processed over a year ago, and I should not have had to deal with the incredible and crippling worry that my family and I experienced over the nearly 2 years that this issue spanned in my life. Shame on you, Goldman Sachs. Do better for your consumers.

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

  
  

• Initial Complaint

  Date:08/16/2022

  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.

  So as of recently they had charged my account a double payment which I did not approve but their automated system on the Internet for whatever reason added two payments together, that subsequently put my Checking account lower than I planned to be with my own bookkeeping. I then went about doing my normal payments for the month resulting in a $700 overdraft on my checking account could not pay it pay it I contacted them furious asking for a refund they said yes The refund did not appear within the 1st 5 days I called them again they they gave no answers on why I hadn't arrived so I've so they said They would contact the 1st analyst who said it would happen and the manager, so after that I contacted my ************ they forgave a bunch of fees and we're planning on moving the GreenSky account to my bank at a better interest rate. Well they are still after a week and a 1/2 not not charge the money back to account so that I can get my account current and then move the loan. It feels as if they're attempting to keep that loan with their company despite obviously making it so that I can't even make the payments Next month because I would be drowning in fees from having my account set negative for this long. Something that their system is entirely the cause of. Their interest rates, their payment system, their calling schedule, is all near predatory and they know it.

  Business Response

  Date: 08/25/2022

  We apologize for any inconvenience the customer experienced.  We contacted the customer and he confirmed receipt of his payment reversal.  At GreenSky we strive for excellent customer service and we will continue to improve our process.

• Initial Complaint

  Date:08/16/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I applied for a $18,000.00 personal loan on June 15, 2022 with ****** by Goldman Sachs Bank ***. I asked for $12,300.00 to be sent directly to the creditor ****************** and the remaining funds to be sent to my bank account. The website stated that a check would be sent to ******************. After 10 business days, I noticed that the ****************** account was still open. When I called to inquire as to why it was taking so long for the payment to be sent to ******************, I was told that the funds were sent electronically to ******************. At that time, a representative at ****** by Goldman Sachs Bank *** asked me to verify the ****************** account number in which I did and was told that a case will be open to investigate what happen to the $12,300.00. In an effort to assist ****** by Goldman Sachs Bank *** in finding out what happen to the funds I called ****************** and was told they only accept checks from other creditors and electronic funds for monthly payment from customers which require a routing and account number. It has been 60 days and this issue still has not been resolved. I filed a complaint with the **** which referred the complaint to ************************************ (CFPB). ****** by Goldman Sachs Bank *** told CFPB that it was a customer error that was made online and the account information the Customer provided was for an account at ****************". This is a lie. This was not a customer error and I have never heard of ****************. I do not have much debt and I know all my creditors. This issue has not been resolved I continue to make monthly payments to ****** by Goldman Sachs on a loan that I did not receive the full amount and I continue to pay the loan with ****************** loan as well. Every call is supposed to be recorded I want access to all the recorded phone calls that confirm their lie and I want this issue to resolved.

  Business Response

  Date: 08/23/2022

  ****** 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 August 16, 2022. We appreciate the opportunity to address the issues raised by ************************* (the Customer) related to the disbursement of their personal loan (the Loan).  
  
  The Customers complaint alleges that there was an error in the disbursement of the funds for the Loan. The Bank conducted an investigation into the Customers complaint and determined there was no bank error in the processing of direct payment to the external accounts the Customer designated.
  
  The Customer entered all direct payment information manually online and the Bank verified the funds were successfully submitted to the external accounts provided on June 15, 2022. The Customer advised that the funds were intended to go to ******************* However, the account number information the Customer provided was for an account at ****************. The Bank has been working diligently to reverse the disbursement in order to re-disburse the funds to the Customers personal bank account. Once the Bank receives the funds, they will be sent to the bank account the Customer has on file.  While we are continuing to work with the Customer to correct disbursement of funds, the Bank has provided a goodwill credit that will satisfy their July 2022 and August 2022 statement. The Bank also has provided a refund of the payment received on July 15, 2022 to the Customer, which was mailed on August 22, 2022.
  
  A written response to this complaint will be sent directly to the Customer.  Based on the above information, we kindly request this complaint be closed.

• Initial Complaint

  Date:08/15/2022

  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.

  After over 18 hours of lengthy texts back & forth with this company, they continue to allow a merchant to fraudulently charge my credit card. This occurred even after I reported the 1st fraudulent charge for $1000.00 & had them cancel the card. They merchant was somehow able to charge the card for another thousand dollars the following month. I filed another dispute, and started the first dispute over again. I also notified the card service company that the main concern was the merchant was running my credit card as being present . Since my card has never been in the building, that was very concerning to me. Keep in mind this card was very new to me I had only had one other credit card for the past 20+ years with zero disputes. After providing the card company with a fake contract that had my signature nowhere on it, his card sided with the merchant. The merchants only data provided to the credit card company was a copy of a gym membership, that again did not have my signature anywhere on the payment section. The gym ownership changed and the new owner started charging my credit card $1000 per month stating that I authorized over the phone that my 16-year-old son could have personal training. My minor Child is not an authorized signer on my credit card, nor did he tell the gym that I made any such statements that they could charge my card $1000 per month for ongoing personal training. We notified the gym after the first charge was made and asked them to stop. I was provided an email that I also shared with Apple card services, where the gym owner even stated she would refund me some of the money. However Apple continues to charge this money to me and allowed the gym to keep $3000 of my money against their card agreement policy. They have also now reported me as late payment to credit agencies. The card agreement I signed explicitly states that I am not responsible for any fraudulent charges or any charges that I did not authorize. Please HELP!

  Business Response

  Date: 08/29/2022

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on August 15, 2022. We appreciate the opportunity to address the concerns raised by ************************* (the Customer) related to a transaction disputes with the merchant ***** Total Body Fitne in the amounts of $1,000.00 each that posted on August 28, 2021, October 06, 2021, and November 16, 2021.
  ******** conducted an investigation related to the dispute and confirmed and inadvertent processing error occurred. ******** confirmed the disputes for $1,000.00 posted on August 28, 2021 and $1,000.00 posted on November 16, 2021 were reopened on August 18, 2022. The dispute for $1,000.00 posted on October 06, 2022 was reopened on August 22, 2022.  Temporary credits were applied once the disputes were reopened. Based on the Banks internal investigations and a review of all evidence available, the Bank resolved the disputes in favor of the Customer. The temporary credits that were applied to the Customers account were made permanent on August 18, 2022 and August 22, 2022. ******** sent the Customer emails detailing the dispute outcomes.
  Based on the above details, we kindly request this complaint to be closed.

  Customer Answer

  Date: 08/31/2022

  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:

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

   

  Hello, I checked my account and saw I was credited back two, $1000 charges. THANK YOU!

   

  However, I am still missing an additional $1000 charge and they had also reported me to the collection agencies which has negatively affected my credit; please have them remove this immediately.

   

  Upon researching this info; the card has now been charged with an additional $20-AFTER the card has already been closed months prior.

   

  Please advise!

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

  Customer Answer

  Date: 09/28/2022

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

  This response appears nonsensical. The bank has made no attempt to contact me at my email or phone number that are registered with the card. My attorney has also not been contacted about this. The issue of the first unauthorized $1000.00 was still not addressed. The $10 repeat amounts charged or charged back to me on a completely closed account without notice or any billing that resulted in a negative report to credit agencies is unacceptable.  

   

   

   

   

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

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

  Business Response

  Date: 11/17/2022

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on November 08, 2022. We appreciate the opportunity to address the concerns raised by ************************* (the Customer) related to transaction disputes with the merchant ***** Total Body *********************** conducted an investigation and confirmed no error has occurred. The Banks records indicate that the merchant ***** Total Body Fitness charged the account in the amount of $1,000.00 on three (3) separate occasions. The first charge occurred on August 26, 2021, the second charge occurred on October 06, 2021, and the third charge occurred on November 16, 2021.
  On August 18, 2022, the first transaction was disputed, and a temporary credit was placed on the account. The dispute was resolved in favor of the Customer on August 18, 2022, and the temporary credit became permanent.
  On August 18, 2022, the second transaction was disputed, and a temporary credit was placed on the account. The dispute was resolved in favor of the Customer on August 18, 2022, and the temporary credit became permanent.
  On December 30, 2021, the third transaction was disputed, and a temporary credit was placed on the account. The dispute was resolved in favor of the merchant on February 15, 2022, however, the temporary credit was not rebilled. In order to open another dispute for the transaction, the temporary credit needed to be rebilled, so on August 22, 2022, the temporary credit for the dispute was rebilled.
  On August 22, 2022, the third transaction was disputed once again, and another temporary credit was placed on the account. The dispute was resolved in favor of the Customer on August 22, 2022, and the temporary credit was made permanent.
  The Banks records indicate that the transactions were disputed a total of 11 times, and resolved in favor of the merchant 8 times. There were 11 temporary credits applied to the account, and there were 8 rebills on the account. There is no other charge from this merchant in the amount of $1,000.00.
  Upon resolving each dispute in favor of the Customer and issuing a permanent credit, the account was rebilled for the Daily Cash earned for each transaction, which appears as a Daily Cash Adjustment on the monthly statement. The account was rebilled for $10.00 twice on August 18, 2022, and once on September 07, 2022. The account was also credited for interest assessed on the disputed amount, on August 18, 2022, totaling $40.28. Statements are available in the Wallet app or online at card.apple.com at the beginning of each month.
  A Bank representative attempted to contact the Customer on November 15, 2022, and November 17, 2022, to address any concerns, but was unsuccessful.
  Based on the above details, we kindly request this complaint to be closed.

• Initial Complaint

  Date:08/12/2022

  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.

  Goldman Sachs' migration of *********** credit card accounts has resulted in illegally compounded interest, falsely reporting to my credit bureau and providing false responses to my complaints, to which I've attached a recording proving the same. I spoke verbally to a GS representative in June with I asked for my total pay off due for the purpose of forever closing my acquired account with Goldman Sachs because they failed to properly migrate the acquired GM accounts they bought from *********** which resulted in adverse impact on former *********** customers --including me. ***I specifically asked for the CURRENT PAY OFF AMOUNT TO SETTLE MY ACCOUNT" I was provided with a total of over $3812.24 which I paid over the phone on June 7, 2022. I was informed this would completely pay off and resolve my account as I had previously complained multiple times regarding all the issues Goldman Sachs acquisition of my account from ***********.NOTE: I actually CLOSED my account in APRIL 2022 because of these issues, they continued to have system errors or choose to not run my autopayments which is the precise reason I said I wanted to pay off --to avoid them damaging my 800+ credit score.Now, Goldman Sachs is claiming they are permitted by law to purposely not disclose the full amount due at the time a consumer requests it.I reviewed my account, and Goldman Sachs assessed $***** in interest on June 27., THREE WEEKS after I paid off.GS does not break down this interest at all in terms of dates and amounts, violating the **** ACT. They are required to provide statements, of which NONE are available on my online account breaking down ANYTHING. I have attached proof of that to this complaint.Then GS compounded interest on interest and charged .40 cents as well as ***** in interest, for a total of ***** in penalties which is higher than the alleged fake interest which is also a violation of the **** ACT. GS is trying to collect another $46.82 from me illegally

  Business Response

  Date: 08/19/2022

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the ** Card via the Better Business Bureau (BBB) Complaint Portal on August 12, 2022. We appreciate the opportunity to address the concerns raised by ******************* (the Customer)related to interest charges.

  The Bank conducted an investigation and confirmed no error occurred. The Customer has been provided all statements via postal mail to the address on file. Additionally, to avoid interest charges, Customers are required to pay the statement balance in full by the due date. According to our records, the Customer did not pay the full statement balance generated April 26, 2022 by the due date of May 23, 2022. The interest charge is for the dates from May 27, 2022 to June 7, 2022 when the account was paid in full. The Bank charged trailing interest in the amount of $23.21 on June 26, 2022. As a courtesy, the Bank waived fees in the amount of $0.40 on August 12, 2022 and $46.82 on August 18 2022, respectively. Additional details regarding how the Bank calculates interest can be found in the ** Card Customer Agreement. The Bank regrets the frustrations the Customer experienced.

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

  Customer Answer

  Date: 08/22/2022

  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 is intentionally misrepresenting the events that caused the matter on record and it should be noted that this complaint is a result of GS' actions, not my failure to pay.

   

  Although I provided  payment details to Goldman Sachs, they failed to process the payments, which resulted in a late fee and inaccurate interest charges on multiple occasions. Goldman Sachs has admitted this error *multiple times on recording* as part of their failed migration of acquired GM *********** credit cards. In fact, GS failed to process my payments in Feb, March, April AND May which resulted in me calling each month, exasperated. That is the reason I closed my account in April and when they failed to run my payment again in May, why I paid in full on June 7th. I chose to close a perfectly good credit card because of their system deficiencies that resulted in harm to me, my credit, and my mental health.

   

  GS response makes it seem like I was simply late and they are doing me a courtesy of waiving fees that I incurred through my own fault, when in reality, GS has created this problem with me and many many many other GM *********** card holders it purchased.   

  
  

  They continue to misrepresent the truth in their responses to any complaints in writing in an attempt to deflect full responsibility of the matter. As such, please record my response for posterity for other complainants and potential future matters. 

  This company is so unethical and continues to perpetuate harm by LYING about the facts. 

  [Your Answer Here]

   

   

   

   

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

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

• Initial Complaint

  Date:08/11/2022

  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 purchased 2 tickets to the Spartan race DEKA FIT ********** ** event for 8/20/22. The event was canceled by Spartan on 4/6/22 and they were unsure how long the refund would take, so I disputed the charge with my Apple card after waiting over a month and supplied all the receipts, cancellation information and confirmation from Spartan that I should be refunded. Apple card approved the dispute for 1 of the 2 tickets. Both tickets were for the same event and the same price. Apple card stated the dispute was denied because Goldman Sachs Bank *** has investigated your transaction dispute, and it's not resolved in your favor for the following reason:The evidence received confirms that the travel was completed for your flight purchase As a result, the temporary credit of $76.62, which was applied to your account while your dispute was being investigated will be reversed, and will appear as a transaction in the Wallet app and on your next monthly statement. We will add this amount to your account balance, and you can pay it the same way as your other transactions. We've also waived any interest that *** have been added to the disputed transaction before you submitted it.You have the right to see the information we gathered to make this decision. To request a copy, please contact an Apple Card Specialist at Goldman Sachs Bank *** by chat or phone.I have contacted Apple card support multiple times via chat and a 35 minute phone call without resolution. Support has told me that someone would follow up regarding the dispute after I contacted them regarding the denial of 1/2 tickets, but I have not received any explanation or documentation that supports their decision to deny my dispute for 1/2 tickets or the evidence they received that I traveled to the future for a flight with my Spartan Deka Fit fitness event ticket.

  Business Response

  Date: 08/24/2022

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on August 11, 2022. We appreciate the opportunity to address the concerns raised by ***************************** (the Customer) related to two transaction disputes with the merchant Spartan Deka in the amount of $76.62 each.
  ******** conducted an investigation and confirmed the transactions posted to the Customers account on November 23, 2022 and November 24, 2022. The Customer initially disputed the transactions on May 09, 2022. ******** applied temporary credits to the Customers account while the disputes were investigated. Based on an investigation and a review of the evidence provided, the Bank resolved one of the disputes in favor of the Customer. The temporary credit in the amount of $76.62 that was applied to the Customers account on May 09, 2022 was made permanent on July 23, 2022. ******** sent the Customer an email detailing the dispute outcome. Due to an inadvertent processing error, the Bank ruled the second dispute in favor of the merchant on July 30, 2022 and the temporary credit was reversed from the Customers account. ******** sent the Customer an email detailing the dispute outcome. ******** reopened the dispute on August 17, 2022 and applied a temporary credit to the account while the dispute was investigated. Based on an investigation and a review of the evidence provided,the Bank resolved the dispute in favor of the Customer. The temporary credit in the amount of $76.62 that was applied to the Customers account was made permanent on August 17, 2022. ******** sent the Customer an email detailing the dispute outcome.
  Additionally, the Bank conducted an investigation of interactions, and confirmed the Customer was informed on July 30, 2022 that they would be contacted by the Bank. However, this did not occur due to an inadvertent error.******** regrets the frustrations this Customer has experienced.
  Based on the above details, we kindly request this complaint to be closed.

• Initial Complaint

  Date:08/11/2022

  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've purchased an apple product plus an apple care coverage plan with my Apple credit card by Goldman Sachs.I've canceled my coverage plan with apple store on July 25, 2022, yet Goldman Sachs is still billing me for the canceled item. They're also not clear about the daily cash earnings when I called them multiple times since July.I have been on the phone with the bank specialists and also apple support over 3 hours on Aug 10, 2022, yet they refuse to resolve my issue and process a refund that they owe me. Goldman Sachs doesn't take responsibility in the matter and refers me back to the apple store. Numerous times, I've checked with apple and they're confirmed that they're canceled my apple care coverage and it's on the bank. I spoke to supervisors at goldman sachs as well, yet no satisfying outcome has been achieved during hours of conversation. The phone reps are very polite, but unable to understand and respond in an effective manner. I'd like a refund for my apple care coverage, reflected on my monthly bill since a month ago I've canceled it. Unfortunately, they have treated me with lack of professionalism and haven't offered a resolution having spoken to them on several occasions only in one day. They should be accountable for their shortcomings.

  Business Response

  Date: 08/25/2022

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on August 11, 2022. We appreciate the opportunity to address the concerns raised by ********************************* (the Customer) related to a transaction dispute.
  
  ******** conducted an investigation and confirmed no Bank error occurred with the opening and current status of a dispute. The Customer made a purchase with Apple on May 18, 2022 in the amount of $199.00. The Customers dispute with Apple 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. ******** applied a temporary credit of $199.00 was issued to the account on August 10, 2022. The temporary credit may not be available for use during the investigation.
  
  In regards to Daily Cash, Customers can receive 3% Daily Cash back with Apple and select merchant when using Apple Card with Apple Pay, 2% Daily Cash back when using Apple Pay, where accepted, and 1% Daily Cash back when using the titanium card in stores or the Apple Card number online. ******** confirmed the Customer made one transaction using the Apple Card number with the merchant Apple in the amounts $199.00 on May 18, 2022. The Customer earned a total of $5.97, or 3% of the total purchase amount, in Daily Cash. According to the Apple Card Customer Agreement and the Daily Cash program, transactions made with Apple are eligible for 3% Daily Cash. ******** is unable to provide additional Daily Cash.
  
  ******** conducted a review of interactions and was unable to locate any record of mistreatment or misinformation provided by a Bank representative.
  Based on the above details, we kindly request this complaint to be closed. 

• Initial Complaint

  Date:08/11/2022

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Owner of goldman Sachs international. International hotel. ***************************** , *********************** . *********************** , *************************** , ************************* , ************************* , ***************************** . ****************** . *************************** , ***************************** , ***** , ******************************* , ************************* , ...are trustee heir . It a family own business . ******** banker association , exp world holding *** , anything where reality association . I am ask for cpa accounting as the owner and heir of this company . Goldman Sachs and ***** ******* . Why don't I get cpa accounting. Do y'all no where I am and phone number .never no notices from y'all as owner of the business and a family member . Do we have escrow services fraud going on someone play my id. Fraud .theft . Forgery and mail fraud .too someone is steel everything from me . What is the deal here please delivery too me what I am ask for .my bank account too this company as it owner . Beneficiary too this company in a trust management expired in 2020 may . I have not sign anything over too no escrow or power of attorney. It fraud if this is the case . Business address on file ******************************************************* .filed in year of 2007 . ********************************************************* .a ****** exam on the company sach and the property may have too be did too see what going on .I have nothing .as the owner too this information ******* Greensferry Rd *** ** , **** ********************** ******* ** , ***************************** . ****** real estate *** . *********************************************************************** *** ** , ***************************************. All this information own by us .this family .why am I not included .this company is been run with out my permission .please ckeck the trust agreement too the business.. deceased old owmer ************************* . Brother ***************************** . This is a family inheritance . Issue . management is trustee ....xome auction LLC and Washington mutual bank own by us too ....

  Business Response

  Date: 08/25/2022

  Goldman Sachs Bank *** received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on August 11,2022. We appreciate the opportunity to address the concerns raised by *************************** (the Consumer) related to fraudulent activity.
  ******** conducted an investigation and did not identify an Apple Card account with the information provided for the Consumer. The information provided by the Customer is not enough to identify the complaint or the intended company. The Customer may wish to refer this complaint to the correct company.
  
  Based on the above details, we kindly request this complaint be closed.

  Customer Answer

  Date: 09/07/2022

  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] . nobody  has call me or email me .. or sent me a letter .like they are poor has nothing .******************* **** of *** . ***** rent too own furniture .southfund partnership ******** ** .who bought the sear *************** building off ***************************** *** ** , with ****** power .I talk too him about all this .and a *************************** ************************* talk too ***************************** in ******** ****er association and ********************* ..... address ****** exam shows all this ********* ************************************************ . Owmer of various of business .y'all got too get too *** . It a man name *************************** at address **************** *** ** is collecting all the rent . He is illegal dumping millions of pounds of junk and tree on all our family properties .he is file fraudulent deeds says he own our property . 1/1/1900 ****** *** foundation federal national mortgage association .own by us . He is say he a heir and owner too everything I sent u .I ckeck it all the stuff he filed says zero transfer it didn't go too him he Temp too do home loan on all the stuff they refused him .so who is this man..he is collecting the rent .at address ************************************* *** ** . ************************************* *** ** . ...he says he own all this stuff **** *********************************************** *** ** ....he is give the property away for free too girl and men . Burn down the house tear down with no permit .this is a lot of illegal activities with this man . *************************** the agent is on the run from warrent with him .this stuff is all out of control .it time too get it under control . This man is also in a gang .the da office is not play about gang .this man *************************** is steel and illegal dumping and all kind of crimes criminal activities on our family properties .....*********************** and *************************** and ************************* and ************************* and ******************************** was alert too the issue too do nothing .... address ******************************************************* . Own by me ******** ****er association realogly reality association anywhere reality association runs over too cendent incorp and Goldman Sachs international ...I did file a affidavit of id theft with the police and the *** and the federal trade commission .... because I am never hear nothing from Nobody from all of this information .the government has sent me over 300 ****** too various of business ********* *********** *** ** and ******************************************* ******************* is a member I talk too her nothing from her ether.if y'all can email me.. ....I have been id by the federal government .so nobody can pay the taxes for me no more I have personal pin code too pay my taxes .the power of attorney they have on me in invalid ...

  .I have my id and social security number ....and probate court registration .one has ********************* ****** , and the other one says ************************* and ************************* **** of America .owmer .....other one says ************************; owner ******** ****er association beneficiary and joint owner *************************** me.....this information says also I am owner of ****** station international . *********** standard oil .owner me.. this information spell out ********************************* ***** ***** and company and us ************ ....world **** finance acceptance . *************** . All this information is attached too my social security number . As the employer heir and beneficiary owner .... *************************** is in court for a gmac mortgage and ***************************** realty associates property .*************************** filed in year of 2022 . address ****************************************************************** . this information is with law enforcement as well..thsnk .I got to get busy with this stuff I am behind .I am a travel and a lond sharp .aka merchant and a major financer .I invest into unearthly stocks.. I am god sent .he didn't send me here for regular issue .but super issue . ..please email me or writ me with a phone number .I haven't got no call no nothing from y'all on a issue like this .over 12 police report file.. this stuff is about too make world news .this will be bad cause nobody can steel nothing like this . *************************** says he has ucc 1- 308 . This private ***** registration .but that has nothing too do with me as the owner. That for him...... Washington mutual **** aka *************** group . And Blackstone group . Owner ************************* deceased sense year of **** . ******************************** *** ** ******* 

   

   

   

   

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

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

  Business Response

  Date: 09/23/2022

  Goldman Sachs Bank *** received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on September 15, 2022. We appreciate the opportunity to address the concerns raised by *************************** (the Consumer) related to fraudulent activity.

  
  The Bank conducted an investigation and did not identify an Apple Card account with the information provided for the Consumer. The information provided by the Customer is not enough to identify the complaint or the intended company. The Customer may wish to refer this complaint to the correct company. 

  Customer Answer

  Date: 10/04/2022

  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]

   **** ****** ****** ******* ** **************** ******** *** *** ** ***** , ************************************** . And *******************************************************. Clearly says .owner of the business me .that Goldman Sachs international and gmac mortgage association . ...runs rite over ************************************************************ *****..which this address went too court for illegal activities of power of attorney sign my name on the behalf of the business with out my say so dekalb county court under *************************** ....why didn't Yall call me or send me a letter too call y'all .y'all did no commication with me at all ...no mail or phone or email . ****** *********************************************** *** ** ******************************** . *************************** southfund partnership . nobody is talk too me why .are y'all try too skip me as the owner of these business .owner u cannot skip me.. ....run over too ******************************* *****.....****** *** and one west bank and ********************* general partnership too everything in this message me.. Goldman Sachs international. I am general partnership and trustee heir executive .for *********************** , and ************************* . ****** companions . ****** investment company . ..please give me my bank account and cpa accounting too this business and the prinplal place of business address on *** ....*********************** and *************************** and ************************* ***** ************ *** ** .....************************* deceased sense 12 21 **** . Owner of all the information in this text him .he made me the beneficiary owner .and trustee heir too all of this .thanks .

   

   

   

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

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

• Initial Complaint

  Date:08/10/2022

  Type:Customer Service 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 need to speak with someone regarding my account and there are no phone numbers on the company's website or available through ****** that will allow me to speak with a representative. There are several automated menus but none of them allow you to speak with a person. I have also submitted a message through their messaging system and it has not been returned.

  Customer Answer

  Date: 08/11/2022

  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,
  
  *********************