Consumer complaint received 2023-01-23
Company: GOLDMAN SACHS BANK USA
State: SC
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

Complaint:
This is a follow up to complaint # XXXX submitted on XX/XX/XXXX and responded to on XX/XX/XXXX. The response to my complaint was the VERY FIRST time ( despite XXXX calls ) that I was able to find out why Goldman Sachs XXXX a balance on my account. I was told twice between XXXX and XX/XX/XXXX that the account had a XXXX balance and was closed. Subsequently their response explained that they took it upon themselves to issue me a credit ( that I did not ask for, they re-opened this dispute on their own ). Due to the fact that I had been given so many different answers, I attempted to speak to a supervisor to get this cleared up and pay the balance if in fact I owed it. Even their response to you was full of inaccurate dates and given the multiple different answers I got from them I was very hesitant to take anything on face value. While attempting to settle this matter, Goldman Sachs hit my credit report for a 30 day late on an account that I closed in XX/XX/XXXX. I finally got to an advocate and he said he would work to remove it from my credit report. I did not create the balance and no explanation for it was given to me until after they reported it late. I called to follow up multiple times between XXXX and now and I was told they would not do anything on the account until the credit process was complete. I called again today and apparently someone called me on XX/XX/XXXX and I did not answer. That was the last attempt they made to contact me aside from debt collection and they knew nothing. I was told this morning that they will not change the reporting and now it is showing 60 days late. My credit report has dropped XXXX points due to their error on my account and lack of communication ( until I filed with you ) as to why there was a balance after being told it was a XXXX balance. I would like Goldman Sachs to actually pull the recorded calls. I have contacted an attorney but would prefer to resolve this matter with XXXX  if possible. Whenever I call, no one has any idea as to what is going on and my advocate ( XXXX ) who promised he would stick with me until resolution has disappeared. 

Original complaint filed XX/XX/XXXX, their response to this is how I found out why there was a balance on my account. No one at XXXX could tell me prior to this : In XX/XX/XXXX I had disputed a charge for a rental house on my XXXX XXXX XXXX XXXX I had spoke to multiple reps while the situation was happening and followed their guidance. The rental agency was threatening to call the police so I had to release the dispute then refile after we had checked out per the advice of XXXX. The dispute was ultimately ruled in favor of the XXXX house ( property management ) even though I sent photos of someone else 's dirty clothes, rats, broken A/C and broken elevator etc. At that time, I made the decision that I no longer wanted to do business with XXXX and paid the account balance IN FULL and closed the account. This past XXXX XX/XX/XXXX, I got a letter in the mail from XXXX stating that they decided on multiple disputes incorrectly and would be re-opening them to adjust the rulings. I DID NOT initiate this contact, they did. I called into XXXX and the rep I talked to had no idea about the letter or knowledge of the fact that they as a company were reevaluating closed disputes. My account remains closed. Fast forward a few months and I get a letter that states they did not rule in my favor ( again ). I do not care, I didn't ask for any action to be taken. They initiated. Now, I am getting bills every month ( even though my account shows as closed on my credit and when I try to contact them ( see screen shot ). I have spent hours on the phone with them and no one seems to be able to assist. I get a different answer from everyone I speak with. Bottom line is, I closed this account and it has had ZERO authorized activity since XX/XX/XXXX. This account was PAID in XXXX. Can you please help?

Company response to consumer: Closed with explanation