Payday loan, title loan, or personal loan -- Getting a line of credit -- Complaint #4948379
Complaint Overview
Complaint ID: 4948379
Company: Goldman Sachs Bank USA
Product: Payday loan, title loan, or personal loan
Sub-Product: Personal line of credit
Issue: Getting a line of credit
State: Delaware
ZIP Code: 19720
Date Received: 2021-11-25T12:00:00-05:00
Date Sent to Company: 2021-11-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Hello, My name is XXXX XXXX, I am who I say I am and no third party is involved in submitting this complaint. On XX/XX/XXXX I entered into a consumer credit transaction with Apple Card. Goldman Sachs Bank USA XXXX Apple Card as a means to use my right to extend credit for personal and household purposes. To my knowledge, I understand that Credit is a right pursuant to 15USCXXXX ( f ) and I exercised this right in good faith when I completed the credit application. The denial letter I received from Apple Card. Goldman Sachs Bank USA XXXX Apple Card constitutes discrimination under 15 usc XXXX ( a ) ( XXXX ) and Apple Card. Goldman Sachs Bank USA XXXX Apple Card also willfully and knowingly provided me false, deceptive and inaccurate information when they responded to me with adverse action in an extension of my own credit as a consumer. By willfully and knowingly failing to comply Apple Card. Goldman Sachs Bank USA XXXX Apple Card can now be held criminally liable pursuant to 15USCXXXX and can be fined up to {$5000.00} or imprisoned not more than one year or both. In any consumer credit transaction in which I extend my own credit I am backed by the Full Faith and Credit of the US Government. 15 U.S. Code XXXX- Criminal liability for willful and knowing violation : Whoever willfully and knowingly ( XXXX ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( XXXX ) uses any chart or table authorized by the Bureau under section XXXX of this title in such a manner as to consistently understate the annual percentage rate determined under section XXXX ( a ) ( XXXX ) ( A ) of this title, or ( XXXX ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than XXXX year, or both. ( Pub. XXXX XXXX, title XXXX, XXXX, XX/XX/XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, title X, XXXX ( XXXX ), XX/XX/XXXX, XXXX Stat. XXXX. )
Frequently Asked Questions
What is Complaint #4948379 about?
Complaint #4948379 was filed against Goldman Sachs Bank USA regarding Payday loan, title loan, or personal loan specifically about Getting a line of credit. It was received by the CFPB on 2021-11-25T12:00:00-05:00.
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 (Payday loan, title loan, or personal loan) 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.