Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5455031
Complaint Overview
Complaint ID: 5455031
Company: Goldman Sachs Bank USA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Was not notified of investigation status or results
State: California
ZIP Code: 92262
Date Received: 2022-04-16T12:00:00-05:00
Date Sent to Company: 2022-04-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
This credit card was opened with an email address that was not verified or in use for over 10 years. Since this lender does not provide statements, only emails concerning charge, they were sending notices to an old email address not in use. There was a very nominal amount charged to the account automatically. That I did not authorize or even know about. This is what caused a perfect credit score to be tarnished. I have tried many times to explain this to the creditor only to be ignored. They can as well as you can see that my score was perfect at the time this account was opened. Do you think for a second, I would not pay a {$35.00} charge and run a risk of harming my perfect credit. Can you please help me make this clear to the creditor? And please ask them to remove the negative rating to my credit. Sincerely and with complete honesty ... ... XXXX XXXX XXXX PS. I look forward to your response.
Frequently Asked Questions
What is Complaint #5455031 about?
Complaint #5455031 was filed against Goldman Sachs Bank USA regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2022-04-16T12:00:00-05:00.
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, credit repair services, 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.