Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12507560
Complaint Overview
Complaint ID: 12507560
Company: Goldman Sachs Bank USA
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Texas
ZIP Code: 77064
Date Received: 2025-03-16T12:00:00-05:00
Date Sent to Company: 2025-03-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Complaint Against Apple Card ( Goldman Sachs ) Unfair Charges & Incorrect Credit Reporting I am filing a complaint against Apple Card ( issued by Goldman Sachs ) due to unfair interest charges and false credit reporting, which have negatively impacted my credit score. 1. Unfair Interest Charges Despite paying off my balance in full, I was still charged interest without explanation. When I contacted customer service, they refused to remove the charges or provide a clear reason. 2. Incorrect Credit Reporting Apple Card wrongly reported late payments to the credit bureaus ( XXXX, XXXX, and XXXX ), damaging my credit score. I have proof that my payments were made on time, yet Goldman Sachs has failed to correct this error. 3. Poor Customer Service & Lack of Accountability When I reached out to Apple Card support, I received conflicting information, unhelpful responses, and no resolution. They refused to take responsibility or escalate my case. Requested Resolution : Refund the unfair interest charges applied to my account. Correct the inaccurate late payment reports with all three major credit bureaus. Provide a written confirmation that the errors have been fixed. This has caused financial harm by affecting my credit score and trust in Apple Card as a financial institution. I request an immediate resolution. Sincerely, XXXX XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #12507560 about?
Complaint #12507560 was filed against Goldman Sachs Bank USA regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-03-16T12:00:00-05:00.
How did Goldman Sachs Bank USA respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Goldman Sachs Bank USA?
Yes, visit the Goldman Sachs Bank USA company profile at readthecomplaint.com/company/goldman-sachs-bank-usa to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.