Consumer complaint received 2021-07-01
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX, I was denied for the 3rd time by Apple Card by Goldman Sachs, each time for " already having applied. '' However, I'd never applied before so this seemed odd and I finally decided to call to see why I was receiving this message. 

Upon speaking to the Apple Card Goldman Sachs rep, he couldn't find my name, number, or any personal info on file and didn't understand the denial either. Finally, he decided to check just my SSN by itself in the search and found my SSN attached to a current customer named " XXXX XXXX. '' They gave some info on the person but couldn't give me much but they did say he was born in XXXX and located in NJ ( where I'm from ). They said they couldn't really do anything about it, besides make a note/report this on their end, which they did so they should have history of this. I requested they close the account as fraud but they said they couldn't because they weren't sure if this was a case of a duplicate SSN being given or if this was actually fraud and encouraged me to contact SSN to see if this is a duplicate # ( which they claimed happens ) OR if this was actually fraud. 

I spoke with SS admin yesterday, they searched my SSN and confirmed that this is NOT a duplicate # and that despite what the goldman sachs banker said, duplicate # s are NOT common. He confirmed the only name attached to that # in SS 's system is my name, XXXX XXXX and no one else should have access to it. The SS rep said that this is either a typo from when XXXX XXXX applied OR fraud and to fill out an identity theft report. I filled out an identity theft report on XX/XX/XXXX when I first was informed of all this, just in case. So my report has been in for two months. I called FTC to follow up this past Tuesday, XX/XX/XXXX and ask the status on my report because I can't apply for an apple card until this is resolved. 

They directed me to the consumer trade commission since it is relating to a credit account opened using my SSN. I need you guys to reach out to Apple Card Goldman Sachs or XXXX XXXX born XXXX located in NJ directly, for them to clarify his actual correct SSN, so he can confirm whether he entered my SSN as a typo OR if he continues to lie and say my SSN is his then we know he's engaging in fraud. 

Both SS admin and Goldman Sachs can confirm all of the statements above ( SS can confirm only I have this #, no one else AND Sachs can confirm that XXXX XXXX is using my # on his account, despite it not being his own ). 

This is the only way, Apple Card Goldmans Sachs will close or have him update his account so that I'm finally eligible to apply. On their end, they see it as either a duplicate or fraud so & they can't speak to SS directly to clarify it's not a duplicate ( like I did ), & it seems you guys at the CFPB seem to be the body created to act as in between the bank and SS to confirm identity theft doesn't continue, so please help or let me know who can help.

Company response to consumer: Closed with explanation