Credit card -- Closing your account -- Complaint #8268440
Complaint Overview
Complaint ID: 8268440
Company: Goldman Sachs Bank USA
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Closing your account
Sub-Issue: Company closed your account
State: Massachusetts
ZIP Code: 02148
Date Received: 2024-02-01T12:00:00-05:00
Date Sent to Company: 2024-02-01T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Financial Institution : Goldman Sachs Bank USA Product : Apple Card ( Credit Card ) Description of the Incident : On XXXX XXXX XXXX XXXX XXXX XXXX I unexpectedly received notification that my Apple Card account was closed. Despite my frequent use and maintaining a XXXX balance, the account was abruptly closed without a detailed explanation. The communication stated that I could request specific reasons for the closure from an Apple Card Specialist. Subsequent interactions with customer support were unfruitful, yielding only vague responses that the account was closed for regulatory reasons, without further explanation. Multiple follow-ups and a promised detailed statement resulted only in receiving a PDF of the initial closure notification. In attempting to reapply for the Apple Card using the same Apple XXXX, I faced the impracticality of switching to a new Apple XXXX, which is intertwined with my personal data and purchases. Recently, I received passive notifications about new statements and a mysterious credit of {$5.00} to my closed account. This raises several concerns : How can a closed account receive a credit? Why was I not directly informed of this transaction rather than through an indirect statement notification? Was interest paid on these funds, and why were they accepted on my behalf when my account had been closed without my consent?
Frequently Asked Questions
What is Complaint #8268440 about?
Complaint #8268440 was filed against Goldman Sachs Bank USA regarding Credit card specifically about Closing your account. It was received by the CFPB on 2024-02-01T12:00:00-05:00.
How did Goldman Sachs Bank USA respond to this complaint?
The company responded with: "Closed with monetary relief". 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 card) 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.