Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #6245622

Complaint Overview

Complaint ID: 6245622

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 information incorrect

State: New York

ZIP Code: 14420

Date Received: 2022-11-27T12:00:00-05:00

Date Sent to Company: 2022-12-15T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

Apple Card by Goldman Sachs Bank. I got the Apple card on accident online trying to replace my phone then it turned into a credit card. Actually a pretty amazing one at that cash back was great and so was customer service till. I first got the card and my fiance wanted to come on with me so we contacted a XXXX by phone she said no problem at all XXXX XXXX well poof my apple card was gone by accident of course so i go XXXX months maybe XXXX without it and i forget about it totally and boom it magically showed back up on my phone with a XXXX clear balance. and in fact the same day I received a letter in my mail saying they credited me {$350.00} sorry there was an error we will correct with reporting agencies as well on your behalf. Ok thank you till the day after i got my old XXXX added with the new one that i had forgotten about not having my card and all no mailed bills nothing so now my debt had doubled. Whatever I paid it off. I always pay it off on time since i had it.. Then about XXXX months ago from today I was a victim of fraud or identity theft again and my apple id had a recovery key put on it. Well i learned quickly that a recover key is a XXXX Character Pass code they send you and not even apple can help when its lost by whomever had it from the start. I was told to buy an apple rep i had to cancel my old apple card and under new apple id apply again. I needed to pay my account balance first though of course. I must have asked this rep apple card specialists XXXX times if shes sure it's that simple cause past experience has me nervous and my home had just burned down so i needed to be certain if i pay this bill id have my balance to use again on my card for things well they did it to me again XXXX me. The new application had failed because the rep failed to close in proper this time. well i called in to address a XXXX and i beleave thats the only place in the world Where a supervisor is less helpful than those under XXXX well after trying to close my account as advised by a XXXX. I called in about XXXX times now and XXXX of which a supervisor came on it was my full time job getting apple to treat me like a customer and correct again there XXXX up well another rep made me pay {$160.00} after the first bill of {$860.00} to close it and guess what still was not closed proper so then the supervisor to save the day again after no joke XXXX more calls in tranffered everywhere this supervisor made me pay XXXX cents and still did not close it proper. I am still Without my apple card i was promised and they still have reported on all my credit reports closed and delinquent with balance..Ridiculous.

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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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