Consumer complaint received 2023-01-30
Company: GOLDMAN SACHS BANK USA
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been an exclusive Apple device owner & user since XXXX, with no problems whatsoever. My troubles started after buying a new XXXX XXXX XXXX XXXX '' w/touch bar in XX/XX/XXXX. 

I made my first-ever call to Apple Support at the end of XX/XX/XXXX and had to continue calling more and more as I was implementing the troubleshooting instructions from the Apple senior tech experts. The Apple tech employees were all telling me, and I quote, " XXXX XXXX, I have never seen anything like this, so my conclusion is you have bad XXXX data, '' I was then instructed by several different Apple Senior Technicians experts to delete my current Apple ID and all its content and create a brand new one with a brand new password, fresh start. And, of course, we will not be recovering or restoring from any backup. I was readily willing to lose all of my data to get out of this rabbit hole I had been sent down. So that's what we did " 6 TIMES ' IN within XXXX XXXX. I would have a story of XXXX apple Id attempts, but I refused to do the same troubleshooting techniques over and over again, expecting a different result, but they certainly were. Long story short, I declined the last two Apple employees that were only willing to continue helping me if I deleted and started over again. I couldn't believe how rude and admit that they were to me. 

During this process, Apple 's tech employees managed to single handily destroy my XXXX excellent credit rating in 120 days. When I found out about this through a letter from Goldmann Sachs, I called Apple immediately, not even worried a bit because I knew Apple would quickly see that their senior technician made a mistake when giving full detailed instructions to me. I know he didn't do it on purpose, and he apologized several times over because he is only human and forgot to tell me some crucial steps before deleting my Apple Id. It's really appalling how clearly simple this one is. Apple got my Goldman Sachs Apple card " Closed By Creditor '' with no reason given because they had none. I have proof that my account was in perfect standing, and the first payment wasn't even due yet. I had only had the card for 3 months and used it one time at brunch for {$24.00} dollars ; with a credit limit of {$15000.00}. 
I was doing nothing more than following the directions from a qualified Apple senior tech employee. That one incident, of course, was reported to the three major credit bureaus, which raised a huge red flag in the system and caused all of my creditors to panic. Well, to say the least, the ripple effect from that literally took my credit score from XXXX to XXXX. 

XXXX XXXX XXXX XXXX credit limit was {$21000.00}. They automatically lowered it to {$6000.00}. I had only used {$5800.00} out of my {$21000.00} available. 

XXXX XXXX XXXX credit limit was {$30000.00}. They auto-lowered me to {$10000.00} *XXXX  XXXX was {$2100.00} Auto-Lowered to XXXX ect Goldmann Sachs Has already admitted it was a huge mistake, they sent me a check for {$250.00} dollars LOL, and offered my card back with same credit line

Company response to consumer: Closed with monetary relief