Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #6321515
Complaint Overview
Complaint ID: 6321515
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: Georgia
ZIP Code: 303XX
Date Received: 2022-12-14T12:00:00-05:00
Date Sent to Company: 2022-12-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Firstly, I have never missed a credit card payment in my entire life ( something I pride myself on ). I also make sure to have auto-pay enabled on all of my accounts, as to never miss a payment. Nevertheless, I also regularly payoff the cards ahead-of-time. I check my credit score daily, and when I reviewed it today ( XXXX ) I saw that it was down XXXX points ( XXXX to XXXX ) because of a delinquent payment. I checked through all of my accounts to see where the issue may be and saw that my Apple Credit Card XXXX Goldman Sachs Bank USA XXXX was reporting that I was roughly 30 days late on a ~ {$100.00} dollar payment. I was extremely confused because as I stated previously, auto-pay is enabled on all of my accounts. I paid it off immediately, and had to **RE-ENABLE** Apple 's auto-pay feature when I had already done so previously. I received no correspondence that this was going to occur in the background, or that my auto-pay was disabled unbeknownst to me. Now my credit score has tanked significantly and pending any rectifying of this, I will have to wait seven years to " age '' off of my report. All for product disfunction on Apple 's end that I wasn't notified for.
Frequently Asked Questions
What is Complaint #6321515 about?
Complaint #6321515 was filed against Goldman Sachs Bank USA regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2022-12-14T12:00:00-05:00.
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.