Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5157005

Complaint Overview

Complaint ID: 5157005

Company: Goldman Sachs Bank USA

Product: Credit reporting, credit repair services, or other personal consumer reports

Sub-Product: Credit reporting

Issue: Incorrect information on your report

Sub-Issue: Account status incorrect

State: New York

ZIP Code: 11234

Date Received: 2022-01-27T12:00:00-05:00

Date Sent to Company: 2022-01-27T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I applied for a 1 year loan from Marcus by Goldman Sachs on XX/XX/XXXX total amount of {$1000.00}. I have made payments, every month since getting this loan. Now at the time of the Loan I was receiving unemployment, I then asked a rep would I be able to make early payments or pay a little more each month since I didn't know how soon i would get a job once unemployment stopped, she verified and stated that would be fine. i made payments and not until late XXXX noticed anything was wrong. By then I had paid off majority of the loan and was now making XXXX dollar monthly payments. I noticed because i check quite frequently that Marcus had reported my account a couple days late. I called the date of XX/XX/XXXX them explained the situation they assured me they would handle it and someone would get in contact with me to rectify the late reporting and missed payments reporting on my account the reps name was XXXX and she also spoke with her supervisor. They both assured me and agreed that i was right and it would be corrected to call back regarding the case file in 7-10 days, in which i did and it was not completed. I response to that I received a call back asking when can i pay the remaining balance and the only calls i have received since than are collection calls asking when i am going to pay my balance.For starters XX/XX/XXXX has not even passed yet i owe only XXXX dollars left how am i 4 months late on payments when i have made payments every month since than and even paid most of it off early. All they do is email me about my report being closed to make payments and update my report as of going over 90 days late yet they have not responded to my letters, emails, or responded back to my original complaint. They now have my account reporting as closed, reporting as late, which is incorrect reporting, which in results have dropped my credit score a-lot. I have asked for an investigation, they have not completed it, or if they have i have not been notified of the decision. It has been months, I have called in XXXX, several times, in XXXX around XX/XX/XXXX and continuously the whole month as well as sent letters and an email, no response. Also reading in their agreement no where does it states a penalty paying off more than the estimated amount. it says no penalty if paid off early right at the bottom of the agreement.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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