Consumer complaint received 2023-09-02
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Subject : BILLING ERROR Re : APPLE CARD ( Goldman Sachs ) Ive sent a registered security for payment to the Principal Executive Office Address of Goldman Sachs Bank on XX/XX/XXXX via USPS Registered subject to the Trust Indenture Act of 1939, Securities Exchange Act of 1934, UPU Treaty of 1863, the Bill of Exchange Act of 1882 regarding equitable securities which also are not limited to but include debt instruments set in replacement of Floating Rate Notes to apply accreditation as debt instruments are rendered to you for the sole purpose of balanced book adjustment as legal tender to lower and reduce the UNITED STATES national debt. 

The credits of the payment was supposed to be processed, and the book entry was supposed to show that nothing was owed. I called USPS to confirm that the Registered Security was delivered. They stated that it was delivered to a Mailing Agent for final delivery at Goldman Sachs. I called the Principal Office at the phone number listed on the SEC Indenture Agreement filings to confirm receipt of the Registered Security, and was transferred to the mail room and told by the mail room attendant to send an email to an internal email address in order to confirm receipt of the Registered Security. Upon sending the email, I received two MailerDaemon notices stating that my email was blocked and that email did not receive external emails. I called Office of Goldman Sachs again and asked for the corporate secretary. The representative asked who the mail was attention to and I advised it was the CFO ( XXXX XXXX XXXX XXXX ), the rep stated that they would take my name and number and advise XXXX XXXX 's office of the message. 
In an attempt to remedy the matter I have also sent a Billing Error notice, Per the instructions outlined in the Apple Card statement under Billing Rights Summary which states : What to Do If You Think You Find A Mistake on Your Statement : If you think there is an error on your statement, write to us at : Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX In your letter, give us the following information : Account information : Your name and email address associated with your account. 

Dollar amount : The dollar amount of the suspected error. 

Description of Problem : If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 


You must contact us within 60 days after the error appeared on your statement. 
You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. 

While we investigate whether or not there has been an error, the following are true : We can not try to collect the amount in question, or report you as delinquent on that amount. 
The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. 
While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 
We can apply any unpaid amount against your credit limit. 

Per the instructions above I am asserting, once again, that the amount of {$4600.00} billed out on XX/XX/XXXX is a charge I am not liable for and I've sent the appropriate payment instrument which should have applied to the full balance. I am within the 60-day allotment period for the billing error notice. 

Under the below codes and regulatory provisions, my balance is to be discharged and no adverse actions are to be taken with regard to my account. Also my credit report is to be updated with the accurate information, as securitized payment coupon has been sent to the company yet has not been applied to the to the balance. 

Please see below list of codes that applies to this case for your reference : Regarding My Credit Report 12 CFR Part 1026 ( Regulation Z ) 1026.13 Billing error resolution and 15 U.S. Code 1666d Regarding My Registered Security 3-603. TENDER OF PAYMENT. 

( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 

3-604. DISCHARGE BY CANCELLATION OR RENUNCIATION. 
( a ) A person entitled to enforce an instrument, with or without consideration, may discharge the obligation of a party to pay the instrument ( i ) by an intentional voluntary act, such as surrender of the instrument to the party, destruction, mutilation, or cancellation of the instrument, cancellation or striking out of the party 's signature, or the addition of words to the instrument indicating discharge, or ( ii ) by agreeing not to sue or otherwise renouncing rights against the party by a signed record

Company response to consumer: Closed with non-monetary relief