Credit card or prepaid card -- Fees or interest -- Complaint #6033984

Complaint Overview

Complaint ID: 6033984

Company: Goldman Sachs Bank USA

Product: Credit card or prepaid card

Sub-Product: General-purpose credit card or charge card

Issue: Fees or interest

Sub-Issue: Problem with fees

State: California

ZIP Code: 90066

Date Received: 2022-09-29T12:00:00-05:00

Date Sent to Company: 2022-10-19T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I had an old credit card through XXXX XXXX, I had one thing recurring on it, a XXXX account to keep the card current and help my credit. The account was set up on auto payment with XXXX XXXX to my bank account. Around XX/XX/2022 XXXX sent me a notice that my card had expired and needed to update my account. Not even thinking about it I updated the account to a new card. Late XX/XX/2022 I got a notification on my credit report that my credit score had gone down by XXXX points. There was a missed delinquent account from Goldman Sachs. Knowing that I didn't even have any business with them or an account I called right away. Marcus by Goldman Sachs had purchased the credit card from XXXX XXXX in XXXX of XXXX I called and said I had no idea and that was an old card that I never used and it was only tied to a XXXX account. They had an old mailing address for me so the letters sent was sent to the wrong address and I never received anything. There was a balance of XXXX dollars total when they purchased the credit card from XXXX XXXX. I told them I had no problem paying what was owed to the card and any interest. I paid them XXXX dollars to make things right. I then asked if they would please remove any late fees because there was a miscommunication of the new purchase and I never received any information about the credit card changing companies. They said they would get back to me. I gave them the right email address, address, and made sure they had my phone number. 3 weeks later I received another email stating that my account was past due and more fees were charged. Now there is a balance of XXXX dollars that is delinquent on my credit score. After updating my information, I have received XXXX statements, phone calls or letters from them. I have tried multiple times through out the month to create an account with them online to see any information about it. There website is broken and times out every time I try to create and account. I didn't even sign up with them, I don't know how it's even legal for XXXXl XXXX to sell them all my information and sign me up with them without my consent. I paid them 2 times the amount of the original balance on the card. Now they are tagging me with XXXX to XXXX dollar fees for the past month. But I have no idea about due dates, didn't receive any mail, phone calls or emails, except that my account is past due. I didn't even receive a credit card from them. I don't know how this is legal or how this is even happening, but it is greatly effecting my credit score. I have attached the statements that were sent via email during first phone call in early XXXX. I have received nothing since expect the emails shown in screen shots. Can't sign in online, received nothing in the mail, and haven't received a single phone call.

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Disclaimer

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

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