Consumer complaint received 2023-06-30
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
In XX/XX/XXXX, I applied and was approved for an Apple Card with {$500.00} limit. In XX/XX/XXXX, I received an increase to {$900.00}. In XX/XX/XXXX, to {$1300.00}. 

I worked as a XXXX XXXX XXXX since XXXX. My dream was always to have my own center. During the pandemic my husband and I purchased the XXXX XXXX  of our dreams using owner finance. Unbeknownst to us, the previous owner was behind substantially with rent and more. All the financial ledgers and documents we received were forgery. To which she adamantly denied. We were in a legally binding contract. We would have to still pay her and lose XXXX XXXX. The alternative was to keep XXXX XXXX, to pay those bills. We had already put a substantial amount down and in payments. Paying her past due bills and our own business bills put a major strain onto us in the business and personally. We were forced to the heartbreakingly close Friday XX/XX/XXXX. 

During that time, the Apple Card payment was late. With the loss of XXXX XXXX and our life savings also meant a loss of income. I was unemployed and actively seeking employment. At times, like many Americans I used my credit card. XX/XX/XXXX, I had a job. I called my creditors to make payment plans. 

Apple Card was owed {$1300.00} of a {$1300.00}. I called and spoke to XXXX on XX/XX/XXXX. I was offered a payment plan to get my account back on track. The offer was to pay XXXX XXXX monthly starting XX/XX/XXXX for XXXX months with 0 % interest. I could always pay more but never less. After XXXX months Apple Card would report the payments to the credit bureaus. If the balance was paid down to zero within XXXX months. I would retain the card and receive my account privileges. The card term would start over, 0 % APR for XXXX months. I asked if I could pay a lump sum to which they replied yes. I paid {$22.00} in XXXX and XXXX. XXXX was {$100.00}. XXXX was {$170.00}. XXXX was {$100.00}. XX/XX/XXXX {$890.00}. My account balance showed XXXX balance. 

XX/XX/XXXX I texted apple regarding my account restoration. An apple Goldman Sams specialist, XXXX said I had a {$40.00} balance. It didnt reflect on my card statements In app. They couldnt explain why I could not see it. 
It came from payment due on an XXXX XXXX I financed using the Apple Card. I paid apple immediately. XXXX told me my account would be restored after I made The payment. 

The very next day, XX/XX/XXXX, I texted in. XXXX from Apple Goldman Sachs my account was closed and o would need to reapply. I informed him that isnt was not what I was told. I sent them screenshots of previous conversations they told me I could reapply. 

They have received all their money. They report to the credit bureaus every month since my account was positive but have not reinstated account as promised. They never closed the account. 

After searching the web, this scenario is a commonality with the Apple Card and its not right. 
What they did was wrong and deceptive.

Company response to consumer: Closed with explanation