Consumer complaint received 2023-09-01
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Formal complaint against Goldman Sachs Bank USA for discriminatory and erroneous practices in the credit application process I am filing this formal complaint against Goldman Sachs Bank USA to investigate and resolve what I believe to be unfair and discriminatory treatment in my application process for the Apple Card credit card. Despite having a good credit history, my applications have been denied multiple times for reasons I believe to be inaccurate and possibly discriminatory. 

Background XXXX. Date of first application : XX/XX/XXXX XXXX. Date of last application : XX/XX/XXXX XXXX. Total number of applications rejected : XXXX Problem XXXX : Incorrect Information on the Credit Report In my most recent application, made on XX/XX/XXXX, I was informed that the reason for the denial was the existence of a " recently closed CHECKING/SAVINGS ACCOUNT '' according to the XXXX report. I have confirmed with XXXX that no such information exists in my credit history, and to date Goldman Sachs Bank USA has not corrected this error. 

Problem XXXX : Inconsistencies in Rejection Reasons Throughout my many applications, I have noticed inconsistencies in the reasons for my credit denial. For example, on my last application, I was told that they couldn't verify my information, which is incorrect. 





Problem XXXX : Third Party Supplemental Information ( XXXX XXXX XXXX XXXX ) Goldman Sachs also based its decision on additional information from a third party XXXX XXXX XXXX XXXX XXXX ), which I have also verified and turns out to be incorrect in my case. 

Allegation of Discrimination I have observed that people with less favorable credit profiles than mine have been approved for the same credit card. This leads me to ask if I am being discriminated against for unknown and unstated reasons. 

Attachments : XXXX. Copies of all my requests and responses received from Goldman Sachs. 
XXXX. Copy of my credit report from XXXX and other relevant agencies. 
XXXX. Copy of my report from XXXX XXXX XXXX XXXX. 

Resolution Requested I request a thorough review of my credit applications and a detailed explanation of the reasons for the denials. If it is determined that errors or acts of discrimination have been committed, I ask that they be corrected immediately and that my credit application be processed in a fair and transparent manner. 

Since XX/XX/XXXX I am trying to apply for an Apple credit card sponsored by Goldman Sachs USA Bank. This Bank in the course of 1 year has been able to demonstrate what is being discriminatory in unfair with my applications. 
I will attach all the applications that I made during this year and the past where it can show a number of incidents and inconsistencies in the answers. I will attach copies of my credit reports behind junior and other agencies that report credit histories. I am applying for a credit card and consider that I qualify to have it. I also consider that I am being a victim of injustice and discrimination when it comes to receiving a decision. In my credit history you can see that my credit does not have negative information. I only have a few credit cards with a low credit limit for which I am applying for the Apple card so that my credit limit can grow. 
I can show from my credit history that I was worthy of a credit line increase on my XXXX credit card because of my good payment history and that speaks volumes about my commitment to good credit. 
Today in this letter I will detail step by step the unfair process that they have done towards me. It is not the only Bank that has been unfair to me and I have already reported it previously and thanks to the fact that I have reported it this way, the Bank has proceeded to grant me the credit. Example of this XXXX XXXX was unfair to me when it came to denying me credit and I reported it this way and thanks to the investigations that were carried out they granted me the credit. Therefore, I am once again relying on you in accordance with the law to sue Goldman Sachs Bank USA and trusting in a positive decision. 







On XX/XX/XXXX I applied for a credit card Apple Card is a credit card created by Apple INC and issued by Goldman Sachs. My application was denied because Goldman Sachs Apple tells me in the application decision that my XXXX XXXX credit bureau tells them I have a recently closed CHECKING/SAVINGS ACCOUNT. I contacted the company XXXX and a manager informs me that in my credit history it does not appear that I recently had a SAVINGS BANK ACCOUNT OR RECENTLY CLOSED CHECK, therefore, there is incorrect information in the credit application decision. 
I contacted the credit bank Apple Card is a credit card created by Apple INC and issued by Goldman Sachs Apple and a manager responded to me informing me that the only way they can reconsider my application is for XXXX to confirm that there is incorrect information on the card. decision. I contacted XXXX again and they do not have a letter format to send Goldman Sachs Apple bank the rectification that there is incorrect information in the decision of my Apple credit card application and that there are no negative accounts in my credit history. Only they can give me a copy of my credit record, which I must send to Goldman Sachs Apple so they can see that I don't have a recently closed CHECKING OR SAVINGS ACCOUNT on my record. I as a client am being a victim of this injustice. 






Credit denial decisions by Goldman Sachs Apple. I can show the inconsistencies in each of the decisions. Until showing my last recent application where it says incredibly that they can not verify my information that I provide them. 
The bank relies on the fact that this information is taken from my credit history by the XXXX XXXX, in addition to requesting XXXX information from a third party ( Third Party Supplemental Information ) which in this case is XXXX XXXX XXXX XXXX and I attach a copy of My history with this company showing that I have no recently closed accounts. I further request that the bank verify with XXXX XXXX XXXX XXXX this information and verify it in this complaint. That is to say that Goldman Sachs Apple has no basis to deny me credit and what it is doing is unfair. I can see other people who do receive credit and have credit with late payment accounts and Goldman Sachs Apple authorizes credit for them. Why not me? That is injustice and discrimination.

Company response to consumer: Closed with explanation