Consumer complaint received 2021-12-12
Company: GOLDMAN SACHS BANK USA
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
OFFER REJECTED NOTICE : : https : //www.fdic.gov/regulations/laws/rules/6500-100.html ATTN : Apple Card Application means : A putting to, placing before, preferring a request or petition to or before a person. The act of 99 making a request for something. A petition. The use or disposition made of a thing. A bringing together, in order to ascertain some relation or establish some connection ; as the application of a rule or principle to a case or fact. An appeal or petition, especially as written or presented ; a putting to, placing before; preferring a " request or petition to or before a person ; the act of making a request for something. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX law Means : a way of doing something-barrons dictionary of banking Means : The instrument or agency through which an end or purpose is accomplished. 2. Resources ; available property ; money or property, as an available instrumentality for effecting a purpose, furnishing a livelihood, paying a debt, or the like-blacks law This correspondence is in regard to the application submitted on XX/XX/2021, reference CFPB complaint no. XXXX & XXXX. Which an adverse action letter was received on XX/XX/2021. The adverse action offer is here by rejected, credit application is a financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). Said adverse action is in violation of the following : 15 U.S.C. 78j, 15 U.S.C 78ff, 15 U.S.C 1691 ( a ) ( 3 ), 18 U.S.C. 241, 18 U.S.C. 242. ( 17 CFR 240.10b-5 ) ) Fine : Adverse action taken against me denying my rights Criminal liability for willful and knowing violation : Whoever willfully and knowingly, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to $ XXXXand you are officially civilly liable for actual damages and here by fined and invoiced {$5000.00}. This is to be paid to me in the form of a check. 

Reconsideration : Open-end consumer credit card ( 15 U.S.C. 1602 ( m ) ) 16 CFR 640.2q with maximum allowable by the applicable law ( 15 U.S.C. 1602 ( j ) ). Balance will be zeroed on a monthly basis via special deposit of the interest bearing coupons associated on the itemization statement, instrument is a non-cash item ( 12 CFR 210.2 ( k ) ). 

Final offer non-negotiable relief and remedy from default may be achieved by servicing contract/self-liquidating paper under regulation z for a finance charge. To dishonor this counter-offer must be received within Five ( 5 ) calendar/business days from the receipt of this notice via written correspondence. *Conspicuous statement do NOT ignore* This is your opportunity to cure as well as your notice of default for the servicing of the credit application. 

You meaning Apple Card and any of its agents, affiliates, subsidiaries, assignees, etc. may NOT contact me by any means other than written correspondence. Failure to comply may result in additional substantial billing invoice.

Legal proceedings may be enacted if dishonored. 

Notice to agent is notice to principal Notice to principal is notice to agent Reference complaint # XXXX & XXXX By Accommodation : XXXX XXXX

Company response to consumer: Closed with explanation