Consumer complaint received 2024-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA (GA)

On XX/XX/XXXX I requested my brother XXXX XXXX to add me as an authorized user on one of his credit cards for the purpose of helping me establish my credit. He agreed and contacted Goldman Sachs ( GS ) to add me to his Apple card. This was communicated to GS and the agent started the process. Unbeknownst to us the agent added me as a co-owner of the card. We informed GS that I was ONLY to be an authorized user with no purchasing nor paying responsibility for the card as the card already had prior purchases on it. About one year later XXXX XXXX ran into some financial difficulties and his utilization went up causing my score to decrease. We contacted GS to remove me as an authorized user to protect me from further damage. GS informed us at that time that I had erroneously been added as a co-owner, and as such I could only be removed with the full payment of purchases made with the card. XXXX XXXX stated at that time he would pay it off and have me removed so that he could keep said card active. This did not occur and I suffered further harm as a result. On or about XX/XX/XXXX I received a phone call from GS in regards to payment of said card. I informed the agent at that time that I was not responsible for any charges on the card and that I should never had been added as a co-owner as that was never the intent. The agent stated at that time that GS does not have authorized users only co-owners. I informed agent that the previous agent should have disclosed this at the original time of the request so that I could have stated that wasn't my intent and I would have declined. I was not made aware of the policies of GS in regard to authorized users as required by federal law prior to any credit account being issued. The GS agent apologized for the inconvenience and offered to remove me from the account. This did not occur, and I have received many phone calls requesting that I pay off the card that I have never made any purchases on. I demanded that GS contact the owner that they had the contract with and settle with him as I have never been the owner of said card. GS confirmed via phone call that I did not in fact make any purchases with the card and again stated that I would be removed and that I would receive no further contact in regards to payment for the card. This did not occur as I have received at least 5 additional phone calls on the same issue. Three of the calls I did get recorded and I have the recorded calls for reference and evidence. The Credit Reporting Agencies ( CRA ) have failed to exercise due diligence in that they have never investigated using a live agent the account prior to furnishing this information on my consumer report. The CRA have allowed my reputation and good standing to be severely damaged due to this erroneous information. This has caused me undue stress and financial hardship which is contrary to consumer protection laws established in the USA. All three Consumer Reporting Agencies and Goldman Sachs have been complicit in this fraud and miscarriage of justice.