Consumer complaint received 2023-12-01
Company: GOLDMAN SACHS BANK USA
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
GOLDMAN SACHS BANK USA ( XX/XX/2023 ) NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I recently applied for a APPLE CARD credit card and got denied on XX/XX/2023. In pursuant to 15 USC 1602 ( l ) the term credit card was used to initiate the consumer credit transaction. The term credit card means any card, plate, coupon book or other credit device used to obtain money, property, labor, or services on credit. I am the card holder and holder in due course. In pursuant to 15 USC 1602 ( n ) I am the one who came in with the credit card to initiate the transaction. It is not possible to get denied with something that I came in with. The term adverse action in 15 USC 1681 ( a ) never mentions anything to do with the consumer getting denied credit because its impossible to get denied something in which I am granting to your corporation the right to extend credit. In pursuant to 15 USC 1602 the term credit means the right granted by a creditor to a debt or deferred payments of debt or to incurred debt in deferred payments. Credit is my right and Im the one who regularly extends credit in the connection with loans and pursuant to 15 USC 1602 ( g ) I am the original creditor and I am well aware of my rights. I know that reporting to the consumer reporting agencies is voluntary notice. This is a private transaction and this is an unfavorable situation to me for the consumer. Nowhere in the term adverse action defined within the FCRA does it mention that a natural person can be denied credit. As an original creditor it is not lawful to be denied my right to grant credit. Furthermore my credit was used and I received no benefit from thr use of my credit. An inquiry popped on my consumer report which was the receipt of a transaction meaning somebody got paid off my credit and I received no benefit from it at all. In fact damages were done from the denial of my rights mentally and financially. Under 15 USC 1643 ( e ) the term unauthorized use means a credit card by a person other than that the cardholder who does not have actual implied or apparent authority or such use for from the cardholder which receives no benefit. Ive been discriminated against as there are no federal laws that state a credit score can deny me and my right to extend credit. Ive in good faith exercise my right and I the natural person have been discriminated against the pursuant to 15 USC 1691 Equal credit opportunity act. It shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction. For the damages that have been done to my mental distress and financial reputation as I take my consumer report in life seriously. I will take this to a federal level if my request to open the account in which adverse action has taken place. Im aware of my open end credit plan and right to contract unlimited credit without being denied. I demand your company reinvestigations matter and abide by federal law to open up the account in which Ive extended credit.

Company response to consumer: Closed with explanation