ComplaintsforThe Goldman Sachs Group, Inc.

• Initial Complaint

  08/05/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  This Notice of Default sent by certified mail was mailed to Goldman Sachs Bank USA on March 7, 2024 acknowledging the LEGAL NOTICE to any person, individual, or being that has any CLAIMS or LIABILITIES against the ESTATE known as ARRHEN ********************************* along with any attachments or interest in said property which is attached to this Notice of Default. The original notice has gone unanswered for thirty (30) days, Goldman Sachs Bank USA has also failed to respond to my LEGAL NOTICE which was entered into the Legal Organ of ********************** during the Ninth of February Two Thousand Twenty-Four thru the first of March Two Thousand Twenty-Four. Since there are no CLAIMS, LIABILITIES, INTERESTS, or ATTACHMENTS that have not been rendered unto ********************** or Fejokwu, Arrhen, this notice of default hereby stands true and correct.

  Business response

  08/19/2024

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on August 5, 2024. The Bank appreciates the opportunity to address the concerns raised by ************** (the Customer)related to a debt owed to the *********************** conducted an investigation and confirmed no Bank error occurred. According to the Banks records, the Customer opened the account on July 20, 2022. During the application process, the Customer is provided with and must consent to the Apple Card Customer Agreement, which discloses that the Customer agrees that the Bank may report information to the ************************* regarding the account, which includes but is not limited to Late Payments, Missed Payments, or other defaults on the account.
  The Bank received the Customers documentation on April ******, and June 4, 2024. However, the Customer has not provided an acceptable form of payment to satisfy the balance. The Bank accepts payments made via ACH,check, bill pay or Apple Cash. The Customer may refer to the Making Paymentssection of the Apple Card Customer Agreement for additional details.
  The Bank confirmed the information reported to the ************************* is accurate. During the review of the Customers credit reporting, the Bank determined that the Apple Card tradeline was not reporting with TransUnion. The Bank submitted a request to the credit reporting agencies to reinstate the tradeline on the Customers credit reporting. The Customer should allow up to 30 days for the updates to reflect on their credit report.The Bank is obligated to report accurately to ************************* and is unable to remove the tradeline from the Customers credit reporting.
  The Bank sent the Customer documents on August 16, *************** the Customer's debt including a copy of the Apple Card Customer Agreement and 12 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 $6,582.78 provided in the latest statement from July 31, 2024.

• Initial Complaint

  07/29/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Unwilling to assist with a simple dispute. I have provided all the necessary information. Apple Card/Goldman Sachs are refusing to help. Ive been locked out of my account due to an error that they said their system caused and the problem hasnt been fixed.

  Business response

  08/01/2024

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint via the Better Business Bureau on July 24, 2024. This does not relate to a product or service provided by the Bank.

  Customer response

  08/02/2024

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

  my credit card is issued by the bank, so how is it not related? No one has fixed my account and its been over a month. 

   

   

   

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

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

  Business response

  08/09/2024

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on July 29, 2024. The Bank appreciates the opportunity to address the concerns raised by ********************* (the Customer) related to a transaction dispute with the merchant Enterprise Rent-A-Car in the amount of $154.88.
  The Bank conducted an investigation and confirmed the account was impacted by a technology error. The Customer initially disputed the transaction on August 06, 2020. The Bank applied a temporary credit while the dispute was investigated. Based on an investigation the dispute was resolved in favor of the Customer on September 04, 2020, however, as a result of the technology error, the available credit was not released upon the dispute resolution. The Bank confirmed the Customers available credit was released for the amount of $154.88 on August 5, 2024, and reflects the correct amount available.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

  Customer response

  08/09/2024

  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

  07/26/2024

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  In March 2024, I made a purchase on ************* for ****** using my Apple card. I have since filed two disputes and both have been denied. This transaction should be charged back because the vendor uses deceptive and fraudulent business practices. When you enter dates for air travel and select a flight @ a specific price, they automatically offer you travel on an alternate day if the flight is no longer available or another flight better matches the price you selected. There is no clear notification that the dates have changed. Your card is then processed for the alternate travel dates. I was tricked into buying tickets for the wrong date. So, literally 5 minutes after making the purchase, I cancelled the flight- but never received any refund. I submitted screenshots to Goldman Sachs showing how I was deceived by CheapOair. I also submitted screenshots showing that they promised to not charge me (an invoice indicating that I would be charged $0 if I cancelled the flight). According to Goldman Sachs, I never provided any evidence proving this narrative. This is completely false, and they obviously never even bothered reviewing the screenshots I sent w/ my dispute. I can still see them in my txt history w/ Apple card/Goldman Sachs support. Beyond the immense frustration this situation has caused, Goldman Sachs support has done absolutely nothing to help me. It should be incredibly concerning to banks that businesses are increasing their fraudulent and unethical behavioral against well intending customers. The onus should not be on the shoulders of consumers to decipher and then prove that we were deceived by unethical businesses. When I purchase something, I should not have to endure a multistep vetting process to confirm I am getting what I think I am purchasing, and then when I am clearly misled, told "OH NO REFUNDS" !! The cherry on top is GS making me fight for six months to get my money back. Are you kidding me GS? DO BETTER!

  Business response

  08/08/2024

  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 July 26, 2024. ******** appreciates the opportunity to address the concerns raised by ***************************** (the Customer) related to transaction dispute with the Merchant Coa in the amount of $133.98.
  ******** conducted an investigation and confirmed an inadvertent processing error occurred. ******** confirmed the dispute was resolved incorrectly in favor of the Merchant. The Customer initially disputed the transaction on May 21, 2024. ******** 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 July 25, 2024.  ******** sent the Customer an email detailing the dispute outcome.
  The dispute was reopened on August 6, 2024 and the Bank applied a temporary credit while the dispute was re-investigated. The dispute was ruled in the Customers favor because the Bank confirmed the merchant did not provide services to customer due to wrong dates given. As a result, the temporary credit that was applied to the Customers account was made permanent on August 6, 2024. ******** sent the Customer an email detailing the dispute outcome. ******** regrets the frustrations the Customer has experienced.
  Based on the above details, the Bank kindly requests for this complaint to be closed.
  
  

  Customer response

  08/09/2024

  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

  07/24/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Ive been set up with monthly installments for a *** ******, apple iPad Pro and a Gift card. The monthly installments are accurate but do not match the total paid balance. Ive brought it to the attention of Goldman but they have failed to adequately fix the issue. They are now trying to charge me for an additional installment for each of my items, including the *** ****** that has been paid in full and for the other items the total paid also doesnt match the monthly installment history. *** never had this problem before as Ive bought multiple items through the past years and today I called again to follow up, they claim they were still investigating and I requested to speak to a supervisor only to be treated extremely bad and rude by a supervisor who even hanged up the phone on my face. Unfortunately is very clear to me they dont care about their customers.My Payment history of monthly installments must match the total paid for all my items, I have submitted all my screenshots and payments. The *** ****** is paid already in full I should not be billed an additional month and the iPad and gift card need to match the payment history. As it is I was given this gift card by apple to go towards the iPad and ended up gettting charge for it too

  Business response

  08/06/2024

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on July 24, 2024. The Bank appreciates the opportunity to address the concerns raised by ***************** (the Customer) related to Apple Card ********************************* conducted an investigation and confirmed an inadvertent communication error occurred. The Bank conducted a review of interactions and regrets any frustrations the Customer experienced due to the interaction with a Bank representative.
  According to the Banks records, the Customer made two Apple Card Monthly Installment purchases on July 12, 2023, with twelve monthly payments to be made. The Customers first payment towards the Apple Card Monthly Installment charged in July 2023 was not owed until August 31, 2023,and the twelfth installment was owed by July 31, 2024. The Customer made two additional Apple Card Monthly Installment purchases on September 20, 2023, with twelve monthly payments to be made. The Customers first payment towards the Apple Card Monthly Installment charged in September 2023 was not owed until October 31, 2023, and the twelfth installment was owed by September 30, 2024.The Bank confirmed the Apple Card Monthly Installment balance and payments are correct. The Bank contacted the Customer on July 24, 2024, to address the concerns. The Bank acknowledges and appreciates the feedback provided by the Customer.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

  Customer response

  08/06/2024

  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

  07/23/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  I purchased a bag and it was suppose to fit under a airplane and it was not a good product. the quality and design was not as described so I returned it with ***** tracking provided to Goldman Sach apple card. I do not have the item and therefore requested twice for a permanent credit. Please adhere to the consumer protection laws regarding returns and refunds. Federal law requires refunds if a product is defective, or if the seller breaches the contract of sale. The Uniform Commercial Code's Section *****, also known as the Implied Warranty of Merchantability. Disputed Transaction Dispute case number*********** Transaction date:May 7, 2024 Merchant name:SP Sole Premise Disputed amount:$96.95 Amount to be rebilled:$96.95

  Business response

  08/06/2024

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on July 23, 2024. ******** appreciates the opportunity to address the concerns raised by ******************************* (the Customer) related to a transaction dispute with the Merchant SP Sole Premise in the amount of $96.95.
  ******** conducted an investigation and confirmed no error occurred. The Customer initially disputed the transaction on May 12, 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 evidence provided by the Merchant showed that the Customer was in possession of the merchandise and no record of a return was present. As a result, the temporary credit that was applied to the Customers account was reversed on July 23, 2024. ******** sent the Customer an email detailing the dispute outcome.
  
  The dispute was reopened on July 23, 2024, 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 new evidence showing that the items had been returned to the Merchant and no credit was received. As a result, the temporary credit that was applied to the Customers account was made permanent on July 26, 2024. ******** sent the Customer an email detailing the dispute outcome.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

  Customer response

  08/07/2024

  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

  07/23/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  A purchase was made on my Apple Card issued through Goldman Sachs. The purchase was from ********* The order was delivered to the incorrect address by the company Lasership. Disputes were placed with all 3 companies. Lasership could not locate the package after being delivered to the wrong address, which the delivery image provided proof of. ******** was unwilling to issue a refund. And Apple and Goldman Sachs were unwilling to approve my dispute. This purchase was made in August of 2023 with no resolution. I am completely disgusted as I am being forced to pay $240 for items I have never received. These companies should all be ashamed of their actions.

  Business response

  08/06/2024

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on July 23, 2024. ******** appreciates the opportunity to address the concerns raised by ********************************* (the Customer) related to a transaction dispute with the ***************** On-Line in the amount of $237.81.
  ******** conducted an investigation and confirmed inadvertent processing errors occurred. ******** confirmed the dispute was resolved incorrectly in favor of the Merchant. The Customer initially disputed the transaction on September 6, 2023, and reopened the dispute on November 14, 2023, January 24, 2024, March 22, 2024, and May 28, 2024. ******** applied temporary credits while the disputes were investigated. Due to processing errors, the initial disputes were resolved incorrectly in the merchants favor because evidence provided by the Customer on March 26, 2024, and June 3, 2024, was not fully considered. As a result, the temporary credits were reversed on November 13, 2023, January 24, 2024, March 22, 2024, May 28, 2024, and July 22, 2024. The Bank sent the Customer emails detailing the dispute outcomes.
  
  The dispute was reopened on July 26, 2024, 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 items were not delivered to the correct building as evidenced by images provided by the Customer. As a result, the temporary credit that was applied to the Customers account was made permanent on July 26, 2024. ******** 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.

  Customer response

  08/07/2024

  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

  07/15/2024

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  Unwilling to assist with a simple dispute. I have provided all the necessary information. Apple Card/Goldman Sachs are refusing to help

  Customer response

  07/15/2024

  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

  07/09/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  Im here to say that Apple Card is a fraudulent company that does not value their customers! They in fact DO NOT have your back when youre having a financial issue ! Youd think a credit card company that youve been loyal to and always paying off their balance on time will protect/ defend their customers but nope! They show time and time again that theyre INCOMPETENT and USELESS !!On 1/31/24, I placed an order BBB with DD for $62.83. Since JANUARY IVE BEEN DISPUTING THIS CHARGE!! I disputed this charge because I NEVER received this order! Apple Card asked me to send proof but thats impossible because WHAT EXACTLY IM GOING TO SHOW PROOF OF IF I NEVER RECEIVED IT! Ive been pleading my case SINCE JANUARY, it is now July! For some reason Apple kept ruling in the favor of the company and when they do this I get an extra interest charge! Its as if they keep purposely doing this to get extra money out of me! This has been going on since January and I REFUSE to pay for an order that I NEVER GOT! Apple has severely failed me and I am fed up ! *** decided that I will pay off my balance EXCEPT the dispute charge of $62.83 and the most recent interest charge! Bunch of frauds!

  Business response

  07/23/2024

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on July 9, 2024. ******** appreciates the opportunity to address the concerns raised by ****************** (the Customer) related to transaction disputes with the Merchant DD Bushwicktacocompa in the amount of $62.83.
  ******** conducted an investigation and confirmed no bank error occurred.  The Customer disputed the transaction on February 6, 2024 and April 11, 2024. ******** applied a temporary credit for the disputed amount and any interest charges related to the transaction while the dispute was investigated. Based on the investigation and a review of the evidence provided, the Bank resolved the dispute in the favor of the Merchant because the goods were delivered to the Customer, which was supported by a photo showing the goods were delivered to the residence.  The Customers evidence was insufficient in showing the goods were not successfully delivered. As a result, the temporary credit that was applied to the Customers account was reversed on April 11, 2024 and June 29, 2024. ******** sent the Customer an email detailing the dispute outcome.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

  Customer response

  07/27/2024

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

  [Your Answer Here]

   This goes to show how USELESS of a bank you are to customers! For the millionth time, the picture doesnt prove anything! I told you multiple times I did not get the order! The driver couldve taken a picture and stole it right after! Theres been many reports that drivers commits that kind of fraud! This situation shows that I cant depend on you as a customer thatll youll have support for the customers! If I received that order do you really think I would be fighting this hard??? You got me seriously messed up if you think I will pay for what I didnt received! You said I cant close my account until its paid off! Then that account will stay opened and that fee will stay unpaid! 

   

   

   

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

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

  Business response

  08/08/2024

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on July 29, 2024. The Bank appreciates the opportunity to address the concerns raised by ****************** (the Customer) related to transaction disputes with the Merchant DD Bushwicktacocompa in the amount of $62.83.
  As provided in the Banks previous response, the Bank conducted an investigation and confirmed no Bank error occurred. The Customer disputed the transaction on February 6, 2024, and April 11, 2024. The Bank applied a temporary credit for the disputed amount and any interest charges related to the transaction while the dispute was investigated. Based on the investigation and a review of the evidence provided, the Bank resolved the dispute in the favor of the Merchant because the goods were delivered to the Customer,which was supported by a photo showing the goods were delivered to the residence.  The Customers Did not provide evidence of notification to the merchant of goods not successfully delivered or that a credit was due. As a result, the temporary credit that was applied to the Customers account was reversed on April 11, 2024, and June 29,2024. The Bank sent the Customer an email detailing the dispute outcome.
  The Bank conducted a review of interactions and was unable to locate any record of misinformation provided by a Bank representative. The Customer contacted the Bank on July 1, 2024, to request to close the Apple Card Account. The Bank requires cardholders to agree to an account closure disclosure prior to processing the request. The Bank provided the Customer with the verbal account closure disclosures required to complete the Customers account closure request. The Banks records indicate the account closure was not processed and the account remained open as a result of the Customer declining to agree to the account closure disclosure. The Customer may request account closure at any time.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  07/08/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I recently reviewed my credit report and found several errors that indicate I have been a victim of identity theft. I am writing to formally dispute the following account that does not belong to me:Account Number: **************** Date Opened: 08/12/2022 High Credit: $14,292.00 I request that you investigate this matter and remove the fraudulent account from my credit report. I seek your assistance in resolving this issue fairly and promptly. Your immediate attention to this matter will be greatly appreciated.

  Business response

  07/22/2024

  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 July 8, 2024. The Bank appreciates the opportunity to address the concerns raised by *************************** (the Customer) related to an Apple Card opened without authorization.
  The Bank conducted an investigation and confirmed no Bank error occurred. Based on the Bank's investigation, the Customer is liable for the account. According to the Banks records, the Customer opened an Apple Card and consented to the Apple Card Customer Agreement on August 12, 2022. 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 Bank successfully delivered Statements, Payment Due Reminders, Missed Payment Reminders, and Eligible for ************* Reporting reminders to the email address on file.The Bank confirmed the account was reported accurately to the ************************** The Customer did not satisfy the minimum due by December 31, 2023. As a result, the customer was reported past due. The Bank is obligated to report accurately to ************************* and is unable to update the Customers credit reporting. The Bank is unable to opt the customer out of credit reporting. The Customer is responsible for the balance on the account in the amount of $13,375.98 provided in the latest statement from June 30, 2024.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  07/08/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I AM A TRUCK DRIVER IM RARELY HOME I BELEIVE SUSPECT BEEN USING MY IDENTITY FOR SEVERAL YEARS AND GO INTO MY MAILBOX WHEN IM NOT HOME TO RETRIEVE MY INFORMATION LIKE CREDIT CARDS APPLICATIONS ETC AND ONCE DELIVERED SUSPECT TAKE CARDS I HAVENT OPEN UP ANY OF THE ACCOUNT FROM APPLE CARD/GS BANK USA Account ***************** I NEVER LIVED AT **************************************************** AND ******************************************** AND DISPUTED THESE ACCOUNTS WITH APPLE THEY FAILED TO REMOVE IT FROM MY CREDIT REPORT

  Business response

  07/22/2024

  Goldman Sachs Bank USA (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on July 8,2024. ******** appreciates the opportunity to address the concerns raised by ****************** (the Customer) related to an Apple Card opened without authorization.
  ******** conducted an investigation and confirmed no Bank error occurred. Based on the Bank's investigation, the Customer is liable for the account. According to the Banks records, the Customer opened an Apple Card and consented to the Apple Card Customer Agreement on June 2, 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. ******** successfully delivered Statements, Payment Due Reminders, Missed Payment Reminders, and Eligible for ************* Reporting reminders to the email address on file.The account was charged off on February 29, 2024, as a result of the Customer failing to make a payment to satisfy the amount due by August 31, 2023. ******** confirmed the account was reported accurately to the ************************** ******** is obligated to report accurately to ************************* and is unable to update the Customers credit reporting. ******** is unable to opt the customer out of credit reporting. The Customer is responsible for the balance on the account in the amount of $6,542.81 provided in the latest statement from March 2024.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

*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. ↩