Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #17959474
Complaint Overview
Complaint ID: 17959474
Company: Goldman Sachs Bank USA
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Oklahoma
ZIP Code: 73013
Date Received: 2025-11-26T12:00:00-05:00
Date Sent to Company: 2025-11-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This is a new complaint because the companys prior response did not address the actual facts or my legal status on the account. I was removed from the Apple Card account months before the other person filed bankruptcy, meaning I had no legal ownership of the account when the bankruptcy occurred. The account later showed a balance of {$74.00}. Both myself and the person who filed bankruptcy attempted to pay the balance multiple times. Goldman Sachs refused to accept any payment, stating they could not take a payment due to the other persons bankruptcy. After refusing to accept payment, Goldman Sachs reported a charge-off under my name, even though : 1. I was not on the account at the time of the bankruptcy. 2. I was not legally responsible for the balance. 3. I attempted to pay the {$74.00} and they refused to accept it. 4. A furnisher can not create a charge-off when the consumer is actively trying to pay. 5. I had a perfect 6-year payment history with no missed payments. Their prior CFPB response ignored these facts completely and used a generic template that did not address the issue of improper reporting on a non-owner who attempted to cure the balance. I am requesting the CFPB require Goldman Sachs to : remove the inaccurate charge-off reporting, OR update the tradeline to show Paid / Closed No Derogatory Information, since the negative reporting resulted from their refusal to accept payment. This inaccurate reporting dropped my credit score by over XXXX points and is causing ongoing harm. Thank you.
Frequently Asked Questions
What is Complaint #17959474 about?
Complaint #17959474 was filed against Goldman Sachs Bank USA regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-11-26T12:00:00-05:00.
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.