Complaints

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

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• 

  The Goldman Sachs Group, Inc.

  200 West Street New York, NY 10282-2102

• 

  Goldman, Sachs & Co.

  100 Crescent Ct STE 1000 Dallas, TX 75201-7893

• 

  Goldman Sachs

  555 California St. San Francisco, CA 94104

• 

  Goldman Sachs & Co

  11605 Haynes Bridge Rd Alpharetta, GA 30004

• 

  Goldman Sachs 10,000 Small Businesses Program

  550 East Spring Street Columbus, OH 43215

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:08/10/2022

  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.

  *On March 8, 2022 I made a reservation with HERTZ rental and charged $******* to my Apple Card(by goldman sacks). *On April 26 2022 I cancelled my reservation(#***********) and was waiting on refund. *May 4, 2022 I called Apple after failing to get my refund and numerous attempts to contact *****. They suggested a dispute to which I agreed. Apple tells me they put a "Provisional" credit on my account for the $*******. *May 13, 2022 Hertz issues my refund for $1010.04. Which is correct due to $100 hertz fee. *June 16 I call Apple to tell them I have my refund and I want to close dispute, they say let the dispute complete and I will be OK. *July 25 2022 dispute is complete(not in my favor as I have been compensated by *****). Here the provisional credit should be rescinded. But at this point Apple charges me the "provisional" amount to my card $*******. ***** has made me whole with the $1010.04 that was refunded 5/13. I am having issue with Apple instead of removing the "provisional" amount they charged it to my card. I would like to also mention that i made over $2000 in payments to Apple card in March. They are gonna act like I have a credit and was double paid. This is not the case as I mentioned the $2000 in credits from me to the card in March. Another reason I believe them to be incorrect is the dollar amounts. It's obvious that ***** paid me back minus $100, yet apple is charging me the full amount.In my opinion all apple had to do was reverse the "provisional" (******* from 5/4) dollar amount and I would have been whole. BUT they went ahead and applied to my card as a charge. And this is where we are at now,

  Business Response

  Date: 08/24/2022

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on August 10, 2022. We appreciate the opportunity to address the concerns raised by ******************************* (the Customer) related to a transaction dispute in the amount of $1,110.04 with the merchant ***** posted on March 11, 2022.
  ******** conducted an investigation related to the dispute and confirmed no error occurred. The Customer contacted the Bank on May 04, 2022 and opened a dispute. A temporary credit was issued in the amount of $1,110.04 on May 04,2022. At the time of the credit, the total balance on the account was $600.10.This left the account with a positive revolving balance of -$409.94 that was used towards new purchases on the Apple Card from June 12, 2022 through June 16, 2022. Based on the Banks investigation and the Customers confirmation that the Merchant provided credit, the dispute was ruled in the Merchants favor. The Customer was sent an email communication explaining the dispute outcome on July 25, 2022 and the Bank rebilled the temporary credit.
  ******** confirmed the account balance is accurate. ******** is unable to provide additional credit to the account.
  Based on the above details, we kindly request this complaint be closed.

• Initial Complaint

  Date:08/09/2022

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had a zero balance on 03/27/2022 when I filed a dispute for un-refunded payment from seller. My credit limit was $10k and had a zero balance. When I filed the dispute, Goldman Sachs withheld $947.22 from my available balance, which I never had access too. They "ruled" that I was not in favor of my dispute, with zero explanation or documentation as to why they came to this decision and was told that my held funds would be returned to my available balance. That was not the case, I was charged for that amount. Now in June, I am being told I have to pay it again after being told I never had access to it and didn't owe the amount. Their own disclaimer says that my available balance will not increase...There are no monies owed to Goldman Sachs.

  Business Response

  Date: 08/23/2022

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on August 09, 2022. We appreciate the opportunity to address the concerns raised by ************************* (the Customer) related to a transaction dispute in the amount of $947.22 with the merchant Rival Sports LLC posted on December 10,2021.
  ******** conducted an investigation related to the dispute and confirmed no error occurred. The Customer contacted the Bank on March 27, 2022 and opened a dispute. A temporary credit was issued in the amount of $947.22 on March 27,2022. At the time of the credit, the total balance on the account was $0.00.This left the account with a positive revolving balance that was used towards new purchases on the Apple Card from March 28, 2022 through April 18, 2022.Based on the Banks investigation, the dispute was ruled in the Merchants favor. The Customer was sent an email communication explaining the dispute outcome on May 10, 2022 and the Bank rebilled the temporary credit.
  The Customer contacted the Bank on May 10, 2022 and the dispute was reopened.******** issued a temporary credit in the amount of $947.22. The dispute was once again ruled in the Merchants favor. The Customer was sent an email communication explaining the dispute outcome on July 18, 2022 and the Bank rebilled the temporary credit.
  ******** confirmed the account balance is accurate. ******** is unable to provide additional credit to the account.
  Based on the above details, we kindly request this complaint be closed.

  Customer Answer

  Date: 08/30/2022

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

  [Your Answer Here]

  The provisional credit was never available for to me use. The attached screenshot confirms this from your own supervisor. Additionally, there was an additional dispute re-opened without my approval nor my request.  Your people are in the wrong. Take accountability and ownership for your mistakes and stop punishing good people that mistakenly do not business with you.   

   

   

   

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

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

  Business Response

  Date: 10/07/2022

  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 29, 2022. We appreciate the opportunity to address the concerns raised by ************************* (the Customer) related to a transaction dispute in the amount of $947.22 with the merchant Rival Sports LLC. 
  The Bank conducted an investigation and confirmed the transaction posted to the account on December 10, 2021. The Bank reopened the dispute on August 22, 2022 to further investigate the transaction and applied a temporary credit to the account. During the investigation, the Customer does not incur interest for and is not responsible for repayment. Temporary credits may not be available for use during the investigation. Based on an investigation and a review of the evidence provided, the dispute will be resolved as a split decision. Because the merchant promised to issue a refund credit in the amount of $297.22, however no refund credit has been applied to the Customers account. $297.22 will be ruled in favor of the Customer and $650.00 will be ruled in favor of the merchant. 
  Additionally, the Bank conducted a review of interactions and confirmed a Bank representative informed the Customer that they were being charged for a temporary credit that was never available for use. When temporary credits are applied, they are applied to the total account balance to prevent additional interest charges, however, the temporary credit amount is not made available in the Customers available credit.  When Customers dispute a transaction, a temporary credit is applied to the account while the dispute is investigated. Based on an investigation and a review of any evidence provided, the disputes are ruled in favor of the merchant and/or the Customer. Depending on the outcome, the temporary credits are made permanent or reversed from the account.
  Based on the above details, we kindly request this complaint be closed.
  
  

  Customer Answer

  Date: 10/15/2022

  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:08/08/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am attempting to activate a credit card issued by Goldman Sachs. I received my card in the mail on 8-5-22. I followed the instructions for digital activation. This did not work. I contacted to customer service line as instructed by them. After 3 hours of trouble shooting they can not get my card activated. I applied for this card to take on a vacation. I asked them on 8-5-22 to send me a new card and they declined. Today 8/8/22 I called back and asked to have one overnighted as they have yet to resolve the issue and was told no. This is unacceptable as a credit issuer to have run my credit approved me then not give me a working card.

  Business Response

  Date: 08/22/2022

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on August 08, 2022. We appreciate the opportunity to address the concerns raised by ************************* (the Customer) related to the Physical Card associated with their Apple Card account.
  
  ******** conducted an investigation and confirmed an inadvertent technical issue occurred. The Customer contacted the Bank on August 08, 2022 and requested a new Physical Card. ******** confirmed the new Physical Card was delivered and successfully activated on August 12, 2022. If the Customer has further questions, they are welcome to contact the Bank for further assistance.
  
  Based on the above details, we kindly request this complaint to be closed.

• Initial Complaint

  Date:08/08/2022

  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.

  Extra charges and interest when the company said no charges or interest for the first year- they wouldnt post my payments, and this was paid within a year. They also tried to continue to charge interest when there was zero balance.

  Business Response

  Date: 08/11/2022

  ****** 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 8, 2022. We appreciate the opportunity to address the issues raised by ************************* (the Consumer).
  
  Using the information provided by the Consumer in their BBB correspondence, we have been unable to locate an account in the Consumers name. Should the Consumer wish to provide additional information so that we can further investigate their concerns, the Consumer can contact the Bank at **************.
  
  Based on the above information, we kindly request this complaint be closed. 

• Initial Complaint

  Date:08/02/2022

  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 have Been a long time customer. The local motor vehicle department in my state had a system error. I have email documentation of the back and forth with them. I was charged 3 times for a service I cancelled. Goldman Sachs (Apple Card) refused to reverse or acknowledge the charges. They arent helping me at all and in fact the rep told me the charges werent there when I see Them!

  Business Response

  Date: 08/16/2022

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the Apple Card via the ************************************ (CFPB) Complaint Portal on August 02, 2022. We appreciate the opportunity to address the concerns raised by *********************** (the Customer) related to a transaction in the amount of $59.00 with the merchant DMV - APPOINTMENT SCHE.
  ******** conducted a review of the account and confirmed no error occurred.According to the Banks records, two charges in the amounts of $59.00 with the merchant DMV - APPOINTMENT SCHE posted on July 15, 2022. The Customer contacted the Bank on July 15, 2022 to dispute one of the charges. ******** applied a temporary credit to the account while the dispute is investigated. The Customer contacted the Bank again on July 18, 2022 to dispute the second charge. ******** applied a temporary credit to the account while the dispute is investigated.  ******** confirmed the disputes remain under investigation.
  ******** confirms the merchant issued a refund credit in the amount $59.00 on August 02, 2022. This refund credit has been applied to the Customers balance.******** is unable to locate an additional charge with the merchant DMV -APPOINTMENT SCHE in the amount $59.00.
  A Bank Representative attempted to contact the Customer on August 10, 2022 and August 12, 2022 to further address their concerns, but was unsuccessful. If the Customer has further questions related to transactions on the Apple Card account, they are welcome to contact the Bank.
  Based on the above details, we kindly request this complaint be closed.

• Initial Complaint

  Date:07/29/2022

  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.

  July 2021, by mistake I purchased on my Apple Card a ******************************************************** ************************. I immediately opened a dispute. Apple customer service credited me 200 dollars, which after 2 months they took it back because my dispute didnt go through. I was advised by Apple customer service to directly contact clipper card customer service to cancel that 200 dollars transaction, and to reopen my dispute, which I did, and that was in September 2021. Which that dispute also didnt go in my favor. October 29, 2021 I made a payment of 200 dollars to my Apple credit card. I took a loss. On February 7 I received a email from Goldman Sachs to reopen my dispute to have it re-evaluate. On February 8 at 7am I reopened my dispute via text massage with Apple customer service. My available credit line with Apple Credit card was ****, plus a had a credit of *****. At 10 am February 8 my available credit line dropped to **** and I had a credit of 2*****. I contacted Apple customer service and they told me thats how they give a credit. 2 month passed and someone realized what happened so they credited me to my ***** ********** account ******. On May statement I had to pay *************************************************************************** that ******. Thats the 200 they took from my credit line. I have been writing to them, but they keep telling me that that 200 dollars I paid in May it was for the credit they gave me. Because my dispute didnt go in my favor. They r not taking time to look at the numbers and do the math and see what really happen. I just dont want to be short another 200 dollars because of someone elses mistake. Thank you.

  Business Response

  Date: 08/12/2022

  Goldman Sachs Bank USA received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on July 29, 2022. We appreciate the opportunity to address the concerns raised by ******************************* (the Customer) related to a transaction dispute with the merchant ********************** in the amount of $200.00.
  The Bank conducted an investigation and confirmed due to a processing error, a transaction dispute was incorrectly resolved in favor of the merchant. On July 04, 2021, a transaction with the merchant ********************** in the amount of $200.00 posted to the account. The Customer contacted the Bank on July 02, 2021, and initiated a dispute for the transaction. A temporary credit was applied to the account. On August 28, 2021, the dispute was resolved in favor of the merchant due to the merchant being willing to refund the transaction upon request by the Customer. The temporary credit was rebilled, and an email was sent to the Customer detailing the dispute outcome on August 28, 2021.
  The Customer contacted the Bank February 08, 2022, and initiated another dispute for the transaction. A temporary credit was applied to the account. The temporary credit, along with a separate credit from another merchant, caused the account to have a credit balance. On April 19, 2022, the Customer had the credit balance totaling $211.94 refunded to the bank account on file, and this brought the balance to $0.00. On February 08, 2022, the Customer also sent evidence to the Bank showing a cancellation form signed by the Customer and dated September 12, 2021. On April 28, 2022, the dispute was incorrectly resolved in favor of the merchant due to the merchant being willing to refund the transaction upon request by the Customer. The temporary credit was rebilled, and an email was sent to the Customer detailing the dispute outcome on April 28, 2022. This brought the total balance to $200.00, however, the ************** account was already credited with the $200.00 temporary credit.
  On August 09, 2022, a Bank representative initiated another transaction dispute, and a temporary credit was applied to the account. The dispute was resolved in favor of the Customer on August 09, 2022, due to the Customers evidence showing a cancellation form was filled out, and a refund was requested. The temporary credit was made permanent, and the Bank sent an email detailing the dispute outcome.
  The Bank regrets any frustrations the Customer may have experienced.
  Based on the above details, we kindly request this complaint be closed.

• Initial Complaint

  Date:07/26/2022

  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 opened an account 4/28/2021 with GreenSky LLC for the financing of work by ***********************************. Sept 2021 a dispute was sent for an unauthorized draw processed by GreenSky to the ******** The dispute was settled in Dec 2021 and a credit received for the unauthorized amount. Dec 2021 GreenSky staff changed the terms of the contract to extend the draw period without authorization to allow the merchant to send a request for funds. Dec ************************************************************* terms and for a second account that was opened with a different rate and term at another lender by GreenSky staff. The 2nd account was found on the customer online portal and documents were sent to me via ***** The second account was opened, transacted upon and reported to the credit bureaus without my authorization. Feb 2022 a third dispute was sent requesting clarification of all transactions on the original account thus far because all but 2 items were authorized transactions. The unauthorized fraudulent account has been removed from my view on the account portal. I have requested written documentation on the status of this fraudulent account and verification of the removal from the credit reports. I have received nothing. I have requested resolution to the unauthorized change in terms by GreenSky staff, which I believe negates that contract. I have received nothing. I have sent multiple emails directly to Sharmonica ******* as directed by the GreenSky message center, no reply. I have also sent messages via the customer portal that stated I would receive something in 2 business days, no reply. The account was frozen in Feb 2022. The only acknowledgement of the disputes is on the monthly statement, it is noted that the account is in dispute. Its been 7 months. No reply, no resolution, no confirmation to correct the fraudulent activity of GreenSky staff of an unauthorized account and an unauthorized change in terms. ALL unauthorized ALL fraudulent.

  Business Response

  Date: 08/08/2022

  We apologize for any inconvenience the customer experienced.  Previously, we contacted the customer and addressed their concerns to the best of our ability.  While we do understand the customers desire to have a full refund processed to the account, our investigation determined that the customer authorized the loan via text, email and verbally for the amount charged to the account.  At GreenSky we strive for excellent customer service and we will continue to improve our process.

  Customer Answer

  Date: 08/10/2022

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

  [Your Answer Here]

   I have asked for verification on the fraudulent account of my authorization to create the account that was transacted on and reported to the credit bureaus all without my authorization. I have not received anything about this and resolution. I have also asked for clarification on how GreenSky changed the terms of the original contract without my authorization. Amendments to contracts can not happen without customer authorization. I did not give my authorization. I have requested multiple times for verification and the accountability of Greensky for this transaction and how it is valid since it is not the same as the contract I signed. It is not legal or ethical to do so and I believe negates the contract. I have requested multiple times for resolution and have received no written response as of todays date. I have been told via the customer portal that it is still under investigation and via the statement the same. I have sent miltiple requests to staff that I have received emails from asking for an update and resolution. I have received no reply. This has been ongoing since February 2022. Please provide the documentation that I authorization all the items in question. I have received nothing.

   

   

   

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

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

• Initial Complaint

  Date:07/22/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On Nov 28 2022 I opened an installment for an Apple Watch with my Apple Card through Goldman Sachs; I never received my Apple Watch and the installment was to be canceled but it never was; In Mar of 2022 after reaching out to Goldman Sachsmultiple times, I reached out to Apple to have the installment closed; To close out the installment there, the Apple agent who was assiting applied a charge in the amount of the Apple Watch $314.00, but I was charged twice in the amount of $314.00 by mistake; The installment was successfully closed out after the charge was applied and I received a credit in the amount of $314.00 to balance out my account, but because I was charged twice, I still had a balance of $314.00 on my card; After contacting Goldman Sachs I filed a dispute with Goldman Sachs and waited 90 days, but the dispute was resolved in favor of the merchant; I contacted Goldman Sachs explained the situation again and was told to file a second dispute in regards to the matter; After filing a second dispute and waiting 90 days, the dispute was again resolved in favor of the merchant; I again contacted Goldman Sachs and was told to file yet another dispute even though the past two disputes were not resolved in my favor; I would just like to have the charge of $314.00 reversed and credited to my account so that I am able to use my card

  Business Response

  Date: 08/05/2022

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on July 22, 2022. We appreciate the opportunity to address the concerns raised by ********************************* (the Customer) related to a transaction dispute with the merchant Apple Online Store in the amount of $314.00.
  ******** conducted an investigation and confirmed the transaction for the purchase made on Apple Card Monthly Installments (****) in the amount of $314.00 posted to the account on November 28, 2020. The merchant applied a refund credit for this transaction on March 27, 2022 in the amount of $314.00.The two additional transactions in the amount of $314.00 each from the merchant Apple Online Store posted to the account on March 25, 2022. On April 12, ********************************************************************************************** the amount of $314.00. The second transaction in the amount of $314.00 that was not refunded by the merchant, was initially disputed on March 30, 2022. ******** applied a temporary credit to the Customers account while the dispute was investigated. Due to an inadvertent processing error, the Bank ruled the dispute in favor of the merchant on May 31, 2022 and the temporary credit was reversed from the Customers account. ******** sent the Customer an email detailing the dispute outcome. The Customer reopened the dispute on May 31, 2022 and the Bank applied a temporary credit to the account while the dispute was investigated. Due to an inadvertent processing error, the Bank ruled the dispute in favor of the merchant on July 21, 2022 and the temporary credit was reversed from the Customers account. ******** sent the Customer an email detailing the dispute outcome. ******** reopened the dispute on July 28,2022 and applied a temporary credit to the account while the dispute was investigated. Based on the Banks investigation, the Bank resolved the dispute in favor of the Customer. The temporary credit in the amount of $314.00 that was applied to the Customers account was made permanent on July 28, 2022. ******** sent the Customer an email detailing the dispute outcome. ********s records indicate that the Customer has been made whole.
  Based on the above details, we kindly request this complaint to be closed

• Initial Complaint

  Date:07/20/2022

  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 was offered a promotion through my Apple Card. The promotion stated that if I added a new co-owner to my card and they made a purchase within a specific time frame the co-owner would get a $100 dollar apple cash credit. I added my wife as a co-owner and she made a purchase within the timeframe needed. She never received the apple cash. When I contacted apple they transferred me to Goldman Sachs. One representative told me that I had fulfilled the promotions and that they were transferring me to a supervisor in order to send me the cash. The supervisor then told me that there were additional terms, which were not included in the email and I did not qualify. I complained that I had no way of knowing these terms because they were not in the promotional email. They would not give me the promotion and simply passed along my complaint. I believe the practice was fraudelent and that I am owed $100.

  Business Response

  Date: 08/03/2022

  Goldman Sachs Bank *** received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB)Complaint Portal on July 20, 2022. We appreciate the opportunity to address the concerns raised by *************************** (the Customer) related to an Apple ***************Owner promotion for Apple Card accounts.
  The Bank conducted an investigation and confirmed a communication error occurred. The Bank conducted a review related to the Apple Card Family account and confirmed the Customer invited the Participant to apply as Co-Owner on July 06, 2022 and the Co-Owner successfully made a qualifying transaction. As a result, the Co-Owner received the Daily Cash promotion in the amount of $100.00 on July 24, 2022.
  Based on the above details, we kindly request this complaint be closed.

  Customer Answer

  Date: 08/04/2022

  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:07/20/2022

  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.

  Goldman Sachs ****************** is one of the worse ************ I have ever used and I dont recommend it to anyone!!!! There have been a pending charge on my account, a glitch on their end that happen end of October 2021!!! Its now July 2022 and its still there. The most frustrating part about this is that I have to initiate all correspondence regarding the matter. Then when I do speak to a specialist they give me the run around that they are working on it. LIES!!!!!! The last supervisor I spoke to in June told me that the last time someone took a look on my account was end of February early March of this year. This is beyond unacceptable!!!! These people are incompetent and first-rate liars!!!!!!. I called again yesterday to be told someone called me, which never happened!!!! I have never felt soooooo much contempt like this towards a service provider before. Terrible customer service. If I was able to closed this account without affecting my credit I would within a heartbeat.

  Customer Answer

  Date: 08/03/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me and the matter has been resolved.
  
  Sincerely,
  
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