Consumer complaint received 2021-11-09
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am disputing information on my credit report and requesting that the credit file from the Goldman Sachs Bank/Apple Card be removed from my credit report and that my credit rating be restored.

The Goldman Sachs Bank/Apple Card account ends in XXXX. 
The amount currently owed is {$6900.00}. 
The address associated with this account, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, is not my address, has never been my address, and I never requested it be changed. 

The charges incurred on that card were not charges I made or authorized. I obtained the above information from my credit report. 

Ive called Goldman Sachs bank many times, reported the incident and they have never corresponded with me regarding the charges that were made. I dont even have the account number for that account. Ive told them that I can not even access the account via their bank because the Apple Card account that it was opened under no longer exists. XXXX closed the account associated with the email address of XXXX because I reported the incident and that was the only way they could respond to the identity theft report I made to them. 

On XX/XX/2021, while I was at work, I was the victim of a banking scam. There were charges coming through as texts messages via my phone. I kept answering NO to the texts so as to not approve them. Then I received another line of texts from someone stating they were with Apple Card Support and that they were trying to assist me with the charge attempts to my account and to call the phone number included with the text. 

Once I called the number, the man on the phone ( I think he told me his name was XXXX XXXX XXXX told me that we had to act fast because it appeared whomever was attempting to make the charges also had information to access some of my other accounts. During this time I also got a second call from XXXX, my phone carrier, and they were asking for my PIN number so that they could cancel my account. I told them I did not want to cancel my account and that they needed verify my identity. I told the person from XXXX that I would have to call him back because I was dealing with another situation. 

Then another line of texts kept coming through attempting to make charges to my account. The man who said he was from Apple Card XXXX again stated that we needed to act fast and the he could clear everything up if I gave him my XXXX account password. And I gave him the password. After that, I lost control of my XXXX account under the email address of XXXX Later that evening, while I was at XXXX, I lost my phone. When I tried to order another phone because I could not locate it on Find My XXXX app, I was informed I would have to go to the Apple store. When I got to the Apple store I told the young man who waited on me what was going on and he told me he that that had happened to him as well, but that it was a scam and when I tried to login my account at the XXXX store the password had been changed and could not access it. 

The only thing that I could do was to file a claim for my lost phone and that I would have to wait three business days to get another phone. The XXXX person suggested that I go to my bank to check on my accounts. And when I did check in with my bank, I learned that they manage to withdraw approximately {$6000.00} from my account. I had to use a credit card to buy a temporary phone and open another apple account. My bank locked my accounts and assisted me in changing all of the account numbers and secured my accounts back to me.

Company response to consumer: Closed with explanation