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

  3414 Peachtree Rd NE # 600 Atlanta, GA 30326-1167

• 

  Goldman Sachs & Co

  11605 Haynes Bridge Rd Alpharetta, GA 30004

• 

  Goldman Sachs & Co

  34414 Peachtree Road North East Atlanta, GA 30326

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:04/05/2025

  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 purchased two flight tickets from "*******" for a Lufthansa flight from ******* to ****** (****) on June 5, 2024, for a total amount of $2,465.94. I paid this amount using my Apple Card. Please note that the Apple Card split this amount into two transactions of $1,237.97 each.********* suspended their flights to **** from December 2024 until the end of January 2025, and as a result, I was unable to use my tickets since the flight was canceled. If you review their website, you will see that the flights were indeed suspended, leaving me with no way to travel to **** with **********I reached out to both "JustFly" and "Apple Card" to request a refund, but they have not refunded my money. Since the flight was canceled and I could no longer use the tickets, I requested a refund, but both "JustFly" and "Apple Card" have not processed it. Interestingly, I purchased the same flight for my parents using a Chase **** card, and they received a full refund. However, I have been facing this issue with my Apple Card for several months, which is unacceptable.Once the flight was canceled, how could I possibly use the tickets, and why have I not been refunded for the canceled flight?I would greatly appreciate your assistance in resolving this matter.

  Business Response

  Date: 04/17/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on April 05, 2025. ******** appreciates the opportunity to address the concerns raised ***** ****** (the Customer) related to a transaction dispute with the merchant ********* in the total amount of $2,475.94.
  ******** conducted an investigation and confirmed an inadvertent processing error occurred. The Customer disputed the transactions on October 24, 2024, December 31, 2024, and February 12, 2025. ******** applied a temporary credit while each dispute was investigated. Due to an inadvertent processing error, the disputes were resolved in favor of the merchant. As a result, the temporary credits that were applied to the Customers account were reversed on December 09, 2024, February 12, 2025, March 27, 2025 and April 3, 2025. ******** sent the Customer an email detailing each dispute outcome.
  The disputes were reopened on March 27, 2025 and April 03, 2025. ******** applied temporary credits while the disputes were re-investigated. Based on an investigation and evidence provided, the disputes were resolved in favor of the Customer as there is no merchant evidence to hold the customer liable for the charges. As a result, the temporary credits previously applied to the Customers account were made permanent on April 10, 2025. ******** sent the Customer an email detailing each dispute outcome. ******** regrets the frustrations the Customer experienced.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

  Customer Answer

  Date: 04/25/2025

  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:04/05/2025

  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.

  To: Better Business Bureau Subject: Formal Complaint Unlawful Credit Reporting ******************* to Remove Charge-Off Dear BBB Dispute Resolution Team,I am filing this complaint against Goldman Sachs Bank USA for its repeated violations of federal consumer protection laws, including the Fair Credit Reporting Act (FCRA) and IRS regulations governing debt forgiveness. Despite my multiple disputes, Goldman Sachs continues to report a charged-off account (Apple Card) that was legally satisfied via IRS 1099-C, constituting double jeopardy and fraudulent collection practices.Specifically, Goldman Sachs has: Violated FCRA 1681s-2(b) by failing to properly reinvestigate my dispute. Reported false and unverified information in violation of FCRA 1681e(b). Persisted in reporting a debt that, under *** guidelines, has been discharged, thus unlawfully attempting to collect on an already settled obligation.These actions have severely damaged my credit profile, restricted my access to essential credit, and resulted in significant financial and reputational harm. I demand the immediate, permanent deletion of the disputed charge-off from all 3 credit reports, Experian, ******************** and all related negative entries be corrected. I further request that Goldman Sachs be held accountable for its deceptive and unlawful reporting practices.I respectfully request the BBBs assistance in ensuring that Goldman Sachs rectifies these violations and provides a prompt resolution.Sincerely,**** *****

  Business Response

  Date: 04/16/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on April 7, 2025. ******** appreciates the opportunity to address the concerns raised by **** ***** (the Customer) related to credit reporting for the ************************** conducted an investigation and confirmed no Bank error occurred. According to the Banks records, the Customer opened an Apple Card and consented to the Apple Card Customer Agreement on August 21, 2019. As stated in the Apple Card Customer Agreement, the Bank may report information about the account to the ************************** which includes but is not limited to Late Payments, Missed Payments, or other defaults on the account.
  The account was charged off on August 31, 2021, as a result of the Customer failing to make a payment to satisfy the amount due by February 28, 2021. The Bank successfully delivered Statement Available Reminders, Payment Due Reminders, Missed Payment Reminders, and Eligible for ************* Reporting reminders to the email address provided by the Customer. The **** confirmed the account was reported accurately to the ************************** ******** is obligated to report accurately to ************************* and is unable to update credit reporting. ******** is unable to opt the Customer out of credit reporting. The Apple Card Privacy Policy was provided at the time of account opening and the Customer may view it in the Wallet app or by accessing ****************************************************************************************.
  ******** has not cancelled the debt, and an IRS form 1099-C has not been issued for this account. ******** sent the Customer the requested documents on April 10, 2025, validating the Customer's debt including a copy of the Apple Card Customer Agreement and 25 months of statement history showing records of transactions and payments to validate the balance and the debt owed. The Customer is responsible for the balance on the account in the amount of $6,215.01.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:03/31/2025

  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.

  My Apple Card ******************************** wrongfully closed and was not given a reason once requested. I reached out to costumer support and they said I was right my account was closed my mistake . I was supposed to receive update and never did nor an email either my case number . After a week I reach out to see the progress and was told there was no mistake and that the first ********** was spreading misinformation. I have screenshots attached below of my conversation with support of them stating my account was closed by mistake . I also attached pictures of me receiving no emails of my claim. When I asked why was my account was closed they said I violated terms and conditions but did not give a specific reason because this completely took me by surprise Ive been a customer for over 5 years never missed a payment did not commit any fraud and violate any terms and conditions which is how all this came about and what made me reach out. After further investigation they did admit it was a mistake but after a week of not hearing back I reach out to be told there wasnt a mistake make and that the decision to close my account is upheld. The funny thing is the second time reaching out they said they did the investigation but still cant tell me how I violated the terms and conditions starting to believe because I didnt not violate the terms and conditions. I conspiracy that this has to do with Goldman Sachs parting ways with ***** Card and the companies parting ways but I digress. Long story short my account was randomly closed on me I reach out to as why I was told due to violating terms and conditions. I read them I did not violate any terms . I asked what specifically I did they couldnt answer so I disputed and an investigation was open which turns out it was a mistake . After following up I was then told it was not a mistake . So if they was the conclusions of their investigation then they should be able to give me a reason as to why it was closed by they cant .

  Business Response

  Date: 04/14/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on April 1, 2025. ******** appreciates the opportunity to address the concerns raised by ******* ****** (the Customer) related to an Apple Card account closure.
  
  ******** conducted an investigation and confirmed an inadvertent communication error occurred. As part of the Banks review process, the Bank identified red flags related to the Customers account. Based on an investigation, and in accordance with the Apple Card Customer Agreement, the Bank closed the account and sent the Customer an email informing of the account closure on March 12, 2025. ******** is unable to provide additional information related to the investigation.
  
  ******** conducted a review of interactions and confirmed the Customer was provided misinformation that the account was closed in error. ******** regrets the frustrations the Customer experienced. ******** contacted the Customer on April 4, 2025, to address any concerns.
  
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:03/27/2025

  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 reported a fraudulent charge of $500 from ****************** (AS) for ghostwriting services since I did not make purchase from them but was apparently made from ********************* (AAH). The person working on my book stopped working at *** so *** stated they will refund me everything since they could not offer me same deal that I purchased from person that left the company but they never refunded the $500 paid for ghost writing services. They confirmed that they refunded me the $500 multiple times and then stopped responding to me. I reported it to Goldman Sachs (GS) and GS requested evidence so I provided the email transcripts stating that I will be given refund but that it has been sent to me. GS sent me notice that my request has been denied because AS says they have provided proof that services were received by me. I try to contact ************** but their website just shows location of a mailbox center, their phone number does not work and no one responds to email so it seems they are a fake company but somehow GS is able to communicate with them. I ask GS to provide contact info with the company so they can either refund me or write the book for me and GS says they will email it to me but I never receive the contact info. ** keeps reopening investigation and keeps requesting the emails stating that I am to receive refund but GS keeps saying the AS says they delivered the product. I've never had any communication with AS and I request GS to request that AS to contact me with my contact info and GS agrees that they will provide my contact info to AS and require them to contact me. I must explain everything every time I talk to anyone at GS. It is a fraudulent charge from a fraudulent company and I'm receiving no buyer protection so please refund me.

  Business Response

  Date: 04/10/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on March 27, 2025. ******** appreciates the opportunity to address the concerns raised by **** ******* (the Customer) related to a transaction dispute with the *************************** in the amount of $500.00.
  ******** conducted an investigation and confirmed an inadvertent processing error occurred. The Customer initially disputed the transaction on October 28, 2024. ******** applied a temporary credit while the dispute was investigated. Based on the investigation and a review of the evidence provided, the Bank resolved the dispute in favor of the merchant because the merchant provided evidence proving services were rendered. As a result, the temporary credit that was applied to the Customers account was reversed on December 12, 2024. ******** sent the Customer an email detailing the dispute outcome.
  The Customer reopened the transaction on December 12, 2024, and February 28, 2025. ******** applied a temporary credit while the dispute was investigated. Due to a processing error, the initial dispute was resolved incorrectly in the merchants favor. As a result, the temporary credit was reversed on February 28, 2025, and March 27, 2025. ******** sent the Customer an email detailing the dispute outcome.
  The dispute was reopened on March 27, 2025, and the Bank applied a temporary credit while the dispute was re-investigated. The dispute was ruled in the Customers favor because the Customer provided evidence of the merchant confirming the refund was processed. According to the Banks records, no refund posted to the Customers account. As a result, the temporary credit that was applied to the Customers account was made permanent on April 1, 2025. ******** sent the Customer an email detailing the dispute outcome. The Bank regrets the frustrations the Customer experienced.
  ******** attempted to contact the Customer on April 8, 2025 but was unsuccessful.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

  Customer Answer

  Date: 04/10/2025

  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:03/25/2025

  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.

  One year ago, I sent a package using ****** I was to pay $45 for this shipment. I was charged $114 instead with no details given. I provided Apple Goldman Sachs my receipt stating that the charge should have been $45. I have been disputing this charge for the past year. Finally, after much mental duress, I paid it in full today since ***** refused to reopen the dispute, or send details about the charge or any communication with the merchant that they had had. Today, I closed this card as well, since I do not feel safe with their handling of my information should I be erroneously or fraudulently charged for something again while it was open. This will negatively impact my credit score.

  Business Response

  Date: 04/07/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on March 21, 2025. The Bank appreciates the opportunity to address the concerns raised by ***** ****** (the Customer) related to a transaction dispute with the merchant ***** in the amount of $81.47.                                                                                                                              The Bank conducted an investigation and confirmed an inadvertent processing error occurred. The Customer initially disputed the transactions on February 3, 2024 and April 22, 2024. The Bank applied a temporary credit while the dispute was investigated. Based on the investigation, the Bank resolved the dispute in favor of the merchant because no evidence was provided to confirm the price of the package. As a result, the temporary credit that was applied to the Customers account was reversed on April 22, 2024 and June 26, 2024. The Bank sent the Customer an email detailing each dispute outcome. The Customer reopened the disputes June 26, 2024, August 29, 2024, October ******* and December 18, 2024. The Bank applied a temporary credit while the dispute was investigated. Due to a processing error, the dispute was resolved incorrectly in the merchants favor. As a result, the temporary credit was reversed on August 29, 2024, October 28, 2024, December 18, 2024 and February 25, 2025. The Bank sent the Customer an email detailing the dispute outcome.The dispute was re-investigated on March 31, 2025. The dispute was ruled in the Customers favor because the Customer provided evidence proving the price of the package. As a result, a credit of $81.47 was applied to the Customers account on April 3, 2025. The Bank conducted a review of interactions and was unable to locate any record the Customer was denied the option to reopen the dispute. There was no record of the Customer requesting merchant evidence. The Bank confirmed, there is no merchant evidence to provide. The Bank regrets the frustrations the Customer has experienced.
  
  Based on the above details, the Bank kindly requests for this complaint to be closed.

  Customer Answer

  Date: 04/07/2025

  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 have made multiple attempts to inquire about an actual bill or record of any investigation that was conducted by Goldman Sachs. I will upload those details shortly. It is obvious you have no idea what is actually going on at your company, or the text-based customer service is simply AI. 

   

   

   

   

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

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

  Business Response

  Date: 04/24/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on April 15, 2025. ******** appreciates the opportunity to address the concerns raised by ***** ****** (the Customer) related to a transaction dispute with the merchant ***** in the amount of $81.47.
  ******** conducted an investigation and confirmed an inadvertent processing error occurred. The Customer initially disputed the transactions on February 3, 2024, and April 22, 2024. ******** applied a temporary credit while the dispute was investigated. Based on the investigation, the Bank resolved the dispute in favor of the merchant because no evidence was provided to confirm the price of the package. As a result, the temporary credit that was applied to the Customers account was reversed on April 22, 2024, and June 26, 2024. ******** sent the Customer an email detailing each dispute outcome.
  The Customer reopened the disputes June 26, 2024, August 29, 2024, October 28, 2024, and December 18, 2024. ******** applied a temporary credit while the dispute was investigated. Due to a processing error, the dispute was resolved incorrectly in the merchants favor. As a result, the temporary credit was reversed on August 29, 2024, October 28, 2024, December 18, 2024, and February 25, 2025. ******** sent the Customer an email detailing the dispute outcome.
  The dispute was re-investigated on March 31, 2025. The dispute was ruled in the Customers favor because the Customer provided evidence proving the price of the package in the amount of $35.00. As a result, a credit of $81.47 was applied to the Customers account on April 8, 2025. The are no additional documents the Bank can provide at this time.
  ******** conducted a review of interactions and was unable to locate any record the Customer was denied the option to reopen the dispute. There was no record of the Customer requesting merchant evidence. ******** confirmed, there is no merchant evidence to provide. ******** regrets the frustrations the Customer has experienced. The Customer should contact the Bank directly with questions or concerns related to the account. ******** is available 24 hours a day, 7 days a week by phone at ************** or by message from the Wallet app.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

  Customer Answer

  Date: 04/25/2025

  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:03/21/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am disputing a charge with my Apple credit card due to a purchase with a company in ********(Leather Vest Zone). I ordered a xxl men's jacket and received a women's jacket which does not fir properly at all. I tried to resolve with the company and they wanted me to pay almost $200 to return the jacket to them due to their mistake. I refused to pay shipping back as I did not order a women's jacket which is clearly shown on my confirmation order. I reached out to Apple Goldman Sachs to dispute the charge and recently provided them proof of a complaint I found online of a very similar instance 10 months ago. They are refusing to credit me back claiming I received the product from the company even though I did not receive exactly what I ordered. I have been requesting them to refund my money and the vendor to send me a return label at their expense since this was not a mistake in what I ordered but what they sent me. Apple Goldman Sachs refuses to stand by and protect the consumer. This has been going on since June of 2024

  Business Response

  Date: 04/03/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on March 21, 2025. ******** appreciates the opportunity to address the concerns raised by ******* ****** (the Customer) related to a transaction dispute with the merchant Leather Vest Zone in the amount of $399.99.
  ******** conducted an investigation and confirmed an inadvertent processing error occurred. The Customer initially disputed the transaction on June 06, 2024, and reopened the dispute on August 27, 2024, September 5, 2024, November 27, 2024 and January 30, 2025. ******** applied a temporary credit while each dispute was investigated. Due to a processing error, the initial disputes were resolved incorrectly in the merchants favor. As a result, the temporary credits were reversed on August 27, 2024, September 4, 2024, November 26, 2024, January 30, 2025 and March 20, 2025. ******** sent the Customer an email detailing each dispute outcome.
  The dispute was reopened on March 21, 2025, and the Bank applied a temporary credit while the dispute was re-investigated. The dispute was ruled in the Customers favor as the merchants return policy failed to state product return labels are not provided and the consumers would have to pay to return purchases. As a result, the temporary credit that was applied to the Customers account was made permanent on March 27, 2025. ******** sent the Customer an email detailing the dispute outcome. ******** regrets the frustrations the Customer experienced.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:03/20/2025

  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, which issues Apple credit cards is predatory. I have unfortunately had some unforeseen major medical issues in the last 12 months, this has led meto apply for credit cards as I exhausted all of my savings. I have a credit line through ***** of $3500. My usage on that card had gone up due to recent medical issues, which in turn slightly decreased my credit score. Last week I made my payment in full to bring my account balance to zero, and then, 5 days after paying off my balance, I just received an email from them yesterday that they have decreased my credit by $3000. So as a good faith customer who just showed that he will pay his bills in full, they then turn around and punish you, keep your money and decrease your limit. This has now put me in a terrible situation because I have just lost all of that money and Im back to square one which is severely struggling financially, and keeping a roof over my head. I explained all of this to Goldman sachs over the phone and they are saying that theres nothing they can do to help me out. Punishing your customers for paying their bills is not an acceptable practice. If this is not resolved by them, then I will take the appropriate steps to push this issue further. There are laws against predatory lending.

  Business Response

  Date: 04/02/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on March 20, 2025. ******** appreciates the opportunity to address the concerns raised by ******* ****** (the Customer) related to the Credit limit for the Apple card.
  ******** conducted a review of the account and confirmed no Bank error occurred. During the application process the Customer is provided with and must consent to the Apple Card Customer Agreement including the Credit Report Authorization which discloses that the Customer agrees that the Bank may review the Apple Card account history and credit bureau information regularly to maintain and service the account. This is a standard practice for financial institutions, as it helps to assess the Customers creditworthiness and manage any potential risks associated with the account. On March 19, 2025, the Bank reduced the Customers credit limit as part of a standard risk assessment. Consequently, and in adherence with applicable law, the Bank sent the Customer an email notifying them of the change and detailing the reasons for the new credit limit.
  ******** is unable to reverse previous credit limit decisions. ******** occasionally evaluates Apple Card accounts for credit limit increases, and the Customers account may be considered at that time. Customers may also choose to apply for a credit limit increase at any point, though the Bank recommends waiting 12 months.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:03/18/2025

  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 disputed a charge on my Apple credit card. The merchant received a dispute status won by me and a $7 chargeback with withdrawal of original funds. The merchant was a small company the billed me months after an order was placed and under a different name. They called me directly and instead of making them go through the credit card again I paid the owner directly through *****. Even after the withdrawal of funds from the merchant apple has come back saying I owe the money to them. This has been in dispute for two years for the amount of $231.54. I have supplied Apple credit card with the ***** payment, where it came out of my bank account, an email from the owner stating I paid and do not owe, the transaction information from the owner where it states on their end I won the dispute and. They were charged the $7 fee, txts and email from owner stating they have tried to explain to ***** and their business is now closed and could not accept the payment anyway. I have spoken to multiple supervisors who say the case should be closed all evidence is there and send back to the dispute department to only charge me again. They will not credit me now and want me to pay and if I do not I will be charged interest. I do not know what else to do The charge was to ************. I ordered from *** ****** which is why I did not recognize the charge months later. Owner of ************ is *** ******* and his partner is ***** *********

  Business Response

  Date: 04/01/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on March 19, 2025. The Bank appreciates the opportunity to address the concerns raised by ***** ****** (the Customer) related to a transaction dispute with the merchant La66 Apparel in the amount of $231.54.?
  The Bank conducted an investigation and confirmed an inadvertent processing error occurred. The Customer initially disputed the transaction on December 18, 2022, and reopened the dispute on February 8, 2023, April 23, 2023, June 28, 2023, August 28, 2023, November 5, 2023, January 29, 2024, January 31, 2024, April 10, 2024, July 1, 2024, September 25, 2024, December 1, 2024, February 18, 2025, and March 3, 2025. The Bank applied a temporary credit while the dispute was investigated. Due to a processing error, the dispute was resolved incorrectly in the merchants favor. As a result, the temporary credit was reversed on February 8, 2023, April 23, 2023, June 28, 2023, August 24, 2023, October 31, 2023, January 29, 2024, March 27, 2024, June 29, 2024, September 25, 2024, November 28, 2024, February 18, 2025, February 28, 2025, and March 7, 2025. The Bank sent the Customer an email detailing the dispute outcomes.
  The dispute was reopened on March 7, 2025, and the Bank applied a temporary credit while the dispute was re-investigated. The dispute was ruled in the Customers favor because the available evidence shows that the Customer already submitted the payment to the merchant via *****. As a result, the temporary credit that was applied to the Customers account was made permanent on March 26, 2025. The Bank sent the Customer an email detailing the dispute outcome. The Bank regrets the frustrations the Customer experienced.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:03/14/2025

  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 recently reviewing my credit report from your company, I noticed several inaccuracies that need to be addressed. The accounts in question are listed below:Company Name: *********** Account #: ****************Balance: $1,063.00 Under the Fair Credit Reporting Act (15 U.S.C. 1681g), I am formally requesting copies of all documents in your records that were used to verify the accuracy of these accounts. Please provide these documents in your response to this letter.I respectfully ask that you do not reply with a generic statement claiming the accounts have been verified. Instead, I expect to receive the actual records supporting this verification. If no such documentation exists, these disputed accounts should be removed from my credit report immediately, as required under Section 611(a)(5)(A)(i) of the FCRA.Including unverified or inaccurate information on my credit reportand continuing to share it with third partiesunfairly damages both my credit standing and my reputation. I ask that you take this matter seriously and resolve it as soon as possible.

  Business Response

  Date: 03/27/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on March 14, 2025. The Bank appreciates the opportunity to address the concerns raised by ******* ******** (the Customer) related to validation of the debt owed for the ************************ conducted an investigation and confirmed no Bank error occurred. The Customer opened the Apple Card and consented to the Customer Agreement on August 03, 2023. As stated in the Agreement, The Bank may report information about the account to the credit reporting agencies. As stated in the Apple Card Customer Agreement, The Bank may report information about the account to the ************************** which includes but is not limited to Late Payments,Missed Payments, or other defaults on the account.
  The account was charged off on July 31, 2024, as a result of the Customer failing to make a payment to satisfy the minimum amount due by January *******. The **** confirmed the account was reported accurately to the ************************** The Bank successfully delivered Statement Available Reminders, Payment Due Reminders, Missed Payment Reminders, and Eligible for ************* Reporting reminders to the email address on file. The Bank is obligated to report accurately to ************************* and is unable to update the Customers credit reporting.
  A debt validation packet was sent to the customer on March 19, 2025, validating the Customer's debt and with full statement history showing records of transactions and payments. The Customer is responsible for the balance on the account in the amount of $1,063.27. The Bank is unable to provide the Customer with signed documents as the Customer electronically consented to the Apple Card Customer Agreement by completing the application and opening the account.
  In the complaint narrative, the Customer referenced concern related to an account with ****** **** ************ ******** ***, and ************. The Customer should contact these companies directly for further assistance.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:03/12/2025

  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 am filing this complaint because my credit report contains unverified accounts that I do not recognize. These accounts are appearing under my name without my authorization, and I have every reason to believe they may be linked to a data breach or fraudulent activity. I take my financial security seriously, and I refuse to allow false or unverifiable information to damage my credit standing. These inaccuracies are actively harming my financial stability, and I demand immediate action to correct them.Despite my repeated attempts to obtain verification, I have not received any legitimate proof that these accounts belong to me. This blatant lack of transparency is a direct violation of my consumer rights. Under the Fair Credit Reporting Act (FCRA) 15 U.S.C. 1681g, I am demanding full documentation proving the validity of these accounts, including:Company Name: ******* USA Account Number: **************** Reported Balance: $1,142.00 I require real, verifiable proof such as original account applications, signed agreements, or transaction records confirming their legitimacy. A generic response stating that the account has been "verified" is not acceptable. If no such documentation exists, these accounts must be immediately removed under FCRA Section 611(a)(5)(A)(i), which mandates the deletion of unverifiable information from consumer credit reports.Additionally, I am filing a formal complaint with the Better Business Bureau (BBB) against them, as this company has failed to provide proper documentation proving the validity of the reported account. Their refusal to supply supporting records and their failure to conduct a legitimate verification process are clear violations of federal law. I expect an immediate investigation and a full response addressing this issue.

  Business Response

  Date: 03/26/2025

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on March 12, 2025. ******** appreciates the opportunity to address the concerns raised by ******* *** (the Customer)related to an Apple Card opened without authorization and credit reporting for the ************************ conducted an investigation and confirmed no Bank error occurred.According to the Banks records, the Customer opened an Apple Card and consented to the Apple Card Customer Agreement on November 7, 2021. As stated in the Apple Card Customer Agreement, the Bank may report information about the account to the ************************** which includes but is not limited to Late Payments, Missed Payments, or other defaults on the account. ******** is unable to provide the Customer with signed documents as the Customer electronically consented to the Apple Card Customer Agreement by completing the application and opening the account.
  ******** confirmed the account was reported accurately to the ************************** The account was charged off on September 30, 2023, as a result of the Customer failing to make a payment to satisfy at least the minimum amount due by March 31, 2023. As a result, the Bank reported the account past due to the ************************** ******** successfully delivered Statement Available Reminders, Payment Due Reminders, Missed Payment Reminders, and Eligible for ************* Reporting reminders to the email address on file. ******** is obligated to report accurately to ************************* and is unable to update the Customers credit reporting.
  ******** sent documents to the Customer including a copy of the Apple Card Customer Agreement and 7 months of statement history showing records of transactions and payments to validate the balance and the debt owed. The Customer is responsible for the balance on the account in the amount of $1,142.91 provided in the latest statement.
  In the Customers documents, the Customer referenced concern related to accounts with ******* *** *** ****** ***** *********** ************************* *************** ***************** ****** **** ************************ and ****. The Customer should contact these companies directly for further assistance.
  Based on the above details, the Bank kindly requests for this complaint to be closed.