Credit card -- Problem with a company's investigation into an existing problem -- Complaint #13009221
Complaint Overview
Complaint ID: 13009221
Company: Goldman Sachs Bank USA
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Was not notified of investigation status or results
State: Georgia
ZIP Code: 30094
Date Received: 2025-04-15T12:00:00-05:00
Date Sent to Company: 2025-05-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/year> XXXX Credit Card Goldman Sachs Bank XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, UT XXXX Re : Case Number XXXX Request for Goodwill Removal of XXXX Late Payment To Whom It May Concern, I am writing in follow-up to a request I made regarding the removal of a XXXX late payment from my Apple Credit Card account. On Monday, XX/XX/year>, at XXXX PM, I spoke with a representative from the Apple Credit Card Management Support Team, who issued case number XXXX and informed me that the XXXX late would be removed as a one-time courtesy. I was advised to allow 30 days for the change to reflect. After waiting the full 30 days and receiving no update, I contacted another Apple Credit Card division to file a formal complaint about the delay and lack of action. Today, XX/XX/year>, I received a response stating the validation of the XXXX late. I would like to clarify that my request was not to validate the delinquency, but rather to have the late payment removed as a goodwill adjustment based on the extenuating circumstances and my strong payment history. I have maintained this account in good standing for nearly XXXX years, with consistent on-time payments and no prior late reports. The single late payment in question occurred during a time when I was XXXX as a traveling nurse to XXXX XXXX, California, to provide emergency care during the devastating wildfires. Given the intense and unforeseen demands of that period, the missed payment was unintentional and does not reflect my commitment to financial responsibility. I am respectfully requesting, once again, that this XXXX late payment be removed from my credit reports with XXXX, XXXX XXXX XXXX as a one-time courtesy. I deeply value my relationship with XXXX XXXX XXXX and am committed to maintaining my account in good standing going forward. Thank you for your time and consideration. I appreciate your attention to this matter and look forward to a positive resolution. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #13009221 about?
Complaint #13009221 was filed against Goldman Sachs Bank USA regarding Credit card specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-04-15T12:00:00-05:00.
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 card) 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.