Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA (CA)

Subject : New Complaint Against Apple Card ( Goldman Sachs Bank USA ) for Repeated Inaccurate Reporting and FCRA and CCRA Violations Dear Consumer Financial Protection Bureau, I am writing to file a new complaint against Apple Card ( Goldman Sachs Bank USA ) for their continued inaccuracies in reporting my payment history to the three major credit bureaus ( XXXX, XXXX, and XXXX ) and the violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Credit Reporting Agencies Act ( CCRA ) and also to clarify the nature of the four complaints I submitted to the Consumer Financial Protection Bureau ( CFPB ) that are now closed. While my initial complaint that is still open for the data of XX/XX/XXXX, is indeed related to the erroneous credit reporting by Goldman Sachs USA Bank, the subsequent complaints were filed due to new and separate issues that arose as a result of the financial institution 's ongoing handling of the matter. 

Since filing my initial complaint as of XXXX XXXX XXXX the following new issues that have impacted my credit report and violate the FCRA and CCRA have emerged, prompting me to submit this additional complaint : 1. The financial institution reported an additional 30-day late payment to my credit reports for a different month than the one mentioned in my initial complaint, further damaging my credit score. The initial complaint on XX/XX/XXXX, only mentioned the XX/XX/XXXX XXXX mark. Since XX/XX/XXXX, Goldman Sachs Bank USA Apple Card changed the 30-day and 60-day late mark to the month of XX/XX/XXXX, which resulted in a drastic change in my credit score. When called about this issue, Apple support admitted they made a mistake, yet had no record in the system of this why XX/XX/XXXX was reported as late by 30 and 60 days, as I was never late. This warrants a new complaint. 

2. A 60-day late payment was added to my XXXX credit report, which is a separate and distinct issue from the previous 30-day late payment reports noted in my first complaint made on XX/XX/XXXX. The 60-day late mark for XX/XX/XXXX, then XX/XX/XXXX, then removed and placed back to XX/XX/XXXX since my initial complaint on XX/XX/XXXX, to CFPB impacted my credit and overall stress during my current XXXX XXXX  When I reached out to Apple Card about this, they had no explanation for why the 60-day late mark was added as they only showed inaccurately that I was late by 30 days which Apple admits is both incorrect. This warrants a new complaint. 

2. The Goldman Sachs Bank USA since my initial complaint on XX/XX/XXXX has repeatedly removed and re-added the erroneous late payment reports to my credit history over two times, first changing the month from XX/XX/XXXX, initially reported XX/XX/XXXX, yet since that time on multiple occasions including removing then reading the 30 days and 60 day late payments on XX/XX/XXXX, and XX/XX/XXXX causing confusion and inconsistency in my credit reports. Since my complaint to CFPB on XX/XX/XXXX, Apple, as recently as a few dates ago, noted XX/XX/XXXX and XX/XX/XXXX, removed and readded the complaint. After receiving a call from Goldman Sachs Bank USA yesterday, XX/XX/XXXX, from XXXX XXXX from the number XXXX, It was shared that the reason for the removal and readditions was because multiple customer service representatives are working on my case. XXXX XXXX with Goldman Sachs Bank USA shared during this call yesterday that some customer service representatives have applied the negative marks 30 days and 60 days late. In contrast, others removed it, showing this is not a computer error but made by people within the Goldman Sachs company despite my multiple complaints and disputes with the company. XXXX XXXX shared he listened to the recorded calls and could only apologize and send in another letter to the bureaus starting the inaccuracies. Yet, since my initial XX/XX/XXXX complaint to the CFPB, this has led to significant drops and changes to my credit since the initial CFPB complaint on XX/XX/XXXX, due to the removal and readdition, and changes to the months reported inaccurately, including the time frame of 60 days and 30 days. 

These new issues are not merely duplicates of my initial complaint, as shared in the four complaints to CFPB notes before, but rather a result of the financial institution 's continued mismanagement of my credit reporting dispute. I kindly request that the CFPB consider these complaints separately and take this new complaint with the developments that extend further than my initial complaint on XX/XX/XXXX, and note the severe violations of the FCRA and CCRA that have been committed by Goldman Sachs Bank USA after the initial complaint, as they pertain to distinct issues that have arisen due to the financial institution 's ongoing negligence in resolving my credit reporting problems. 

Below is an in-depth explanation of how this is a completely new complaint to my initial XX/XX/XXXX, CFPB complaint and should be considered as a standalone complaint that shares the new instances of FCRA and CCRA violations XXXX New Complaint 1 : The XX/XX/XXXX negative mark was moved from the month of XX/XX/XXXX to the month of XX/XX/XXXX since the XX/XX/XXXX, CFPB complaint. This led to my credit score being impacted further with a loss of points. When Apple, Goldman Sach Bank USA was called to ask why, they had no notes or explanation for this change. Please reference the attached documents. 

New Complaint 2 : A 60-day late reporting on my XXXX credit report for XX/XX/XXXX, despite never being 30 or 60 days late after my XX/XX/XXXX, CFPB complaint. Before I was only reported 30 days late, yet I am now being reported 60 days late this showed both in the new XX/XX/XXXX report and then back to the initial XX/XX/XXXX report as of today, XX/XX/XXXX. The complaint emphasizes the significance of the discrepancy and requests further investigation as initially, on XX/XX/XXXX, the CFPB reported the 30-day late mark on my credit for the month of XX/XX/XXXX. 
Since that time of XX/XX/XXXX complaint to the CFPB, Goldman Sach has changed the month I am late to XX/XX/XXXX without explanation or documentation for why- further impacting my credit, written me a letter and has multiple customer service representatives call me to apologize only to remove then readd the negative marks, included negative marks for both 30 days and 60 days. Please reference the attached documents.

New Complaint 3 : Over three times since my initial complaint on XX/XX/XXXX to the CFPB regarding Goldman Sach Bank USA the 30 day and 60 day mark has temporariarly been removed following multiple complaints and disputes to Apple Card directly and most recently to three credit bureaus. Yet they have been subsequently re-added as 30-day and 60-day negative marks by Goldman Sachs Bank USA Apple Card repeatedly to all three credit reporting agencies. Most recently the deletion and readditin happened via both XXXX and XXXX credit reports on XX/XX/XXXX, and XX/XX/XXXX. Please reference the attached documents. Please reference thetattached. 

These new developments have occurred since my initial complaint to CFPB on XX/XX/XXXX, and warrant a completely new complaint being filed against Goldman Sachs Bank USA Apple Card 's practices as they continue to make new violations to FCRA and CCRA and violate my rights despite admitting both verbally and in writing that these reports or erroneous and in no way my fault but the result of negligent and willful behavior by the company. Due to since my initial complaint on XX/XX/XXXX to the CFPB, Apple Goldman Sachs Bank USA has made multiple removals and re-additions of the negative marks after their removal, coupled with the constant changes in my credit report causing significant damages, demonstrating a continued willful and negligent violation of the FCRA and CCRA regulations. This ongoing negligence has severely impacted my credit, XXXX   XXXX, and family well-being, in addition to affecting our home-buying plans and the closure of one of my {$6000.00} credit cards that I have had for years and overall credit usage. 

I kindly request that the Consumer Financial Protection Bureau thoroughly evaluate the new violations since my initial XX/XX/XXXX complaint to the CFPB against Goldman Sachs Bank USA, for the new violations of the FCRA and CCRA against my rights since my initial complaint on XX/XX/XXXX CFPB complaint. 

I assert that this written complaint is completely different than my XX/XX/XXXX CFPB complaint currently open and thus should not be marked as a duplicate, as detailed above. This complaint here in written should stand alone as a completely new complaint with multiple new violations of both the FCRA and CCRA made after my initial complaint on XX/XX/XXXX that Goldman Sachs Bank USA should be accountable in being held responsible for and responding to. 

I appreciate your attention to this matter and look forward to your assistance in resolving this persistent issue.