Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (AP)

Subject : XXXX/Consumer Complaint XXXX based XXXX  against Vs. 
XXXX XXXX  applicants GOLDMAN SACH Bank, XXXX XXXX COMPLAINT I,, am a XXXX XXXX member, person with XXXX. I am a XXXX XXXX, ( XXXX XXXX XXXX XXXX. I bring this complaint regarding Goldman Sach Bank ( a financial institution in XXXX XXXX XXXXXXXX ) XXXX  based underwriting practices of my XXXX XXXX XXXX  ) consumer credit application with that bank. That between XX/XX/2023 and to present in the state of XXXX XXXX Goldman Sach Bank used discriminatory race bases criteria in underwriting my XXXX XXXX  online Applications for consumer credit, when Goldman Sach Bank Apple Card underwriters saw my XXXX and XXXX XXXX XXXX, after I submitted my valid Drivers licenses showing my XXXX photograph was used as sole basis to decline my XXXX XXXX Applications, ( despite I the consumer credit applicant having excellent ( EXCELLENT ) credit, excellent Payment history, XXXX XXXX  Score, adequate income, 1 % debt usages, No bankruptcys, No collections and despite being otherwise fully qualified ) Goldman Sach Bank violated the Consumer Credit Protection Act ( CCPA ), violated Equal Credit Opportunity Act ( ECOA ), violated Consumer Financial Protection Act, all in violation of my civil Rights under Title VI of the Civil Rights Act. Specifically. 

I am a client of Goldman Sach Bank and XXXX XXXX user, on or around XX/XX/2023, I received several onlinein vitiations links to apply for the GoldMan XXXX XXXX XXXX I completed GoldMan Sach online Apple Card Application at XXXX XXXX XXXX ; and I provided all requested information, i.e. my correct Full Name, my residential address, my social security number and clicked submit ; Goldman Sach immediately made a soft inquiry on my XXXX XXXX Credit File after receiving my online XXXX XXXX  Credit application; I then received a Text verification message from Gold Man on my phone asking if I had just submitted an application for XXXX  Card to which I responded YES ; a second online window then asked me to upload the Front and Back of my valid I.D . Card before we can continue with your Application; I submitted high resolution XXXX photographs of the Front and back of My XXXX  Drivers license to Goldman Sach Bank ; a final notification window indicated that my Application was under review and I should wait for an email or call ; a few hours later on XX/XX/XXXX, I received an email from Goldman Sach Bank indicating We are unable to verify your identification information... If you believe this decision was made in error, return to the XXXX XXXX  application to reapply as instructed ; on XX/XX/XXXX, I verified all information and again submitted a another credit application to Goldman Sach completing the same online application process again including submitting requested back and front XXXX photos of my XXXX Drivers licenses to Goldman Sach Bank ; on XX/XX/XXXX, after no response I called Goldman Sach XXXX Card support to inquire the status of credit application and was told there may have been an error in my name ; and to resubmit another application again ; as instructed by gold man on XX/XX/2023 XXXX I again I again repeated the same above process at XXXX ( XX/XX/XXXX ) as again instructed by gold man I again repeated the same above process ; with the same result I received an email from Goldman Sach Bank indicating We are unable to verify your identification information.. .If you believe this decision was made in error, return to the XXXX Card application to reapply ; at which I called XXXX XXXX , and the credit agency directly verified YES all information on my credit file is correct and matches my XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) as again instructed by gold man I again repeated the same above process submitted a another credit application to Goldman Sac completing the same online application process again including submitting requested back and front XXXX photos of my XXXX  Drivers to Goldman Sach Bank ; at XXXX I again received email from Gold Man such We are unable to verify your identification information... If you believe this decision was made in error, return to the XXXX Card application to reapply ... ... ... ... ... ... ... ... ... XXXX ... ... ... ... ... ..Despite my numerous communications with the GOLDMAN SACH Bank XXXX XXXX XXXX for a resolution as of this writing GOLDMAN SACH BANK does not have a resolution process in place to address this problem it says is a VERIFICATION OF IDENTITY INFORMATION. Further GOLDMAN SACH BANK has refused to did not provide any additional information Specifics except to tell me to reapply again,,, per XXXX XXXX, Goldman Sach Bank has made 5 or 6 inquiries on my credit file between XX/XX/XXXX to present. I am a consumer with XXXX XXXX and XXXX XXXX and Financial history mu excellent credit, is not in dispute here. After having six times properly and lawfully applied for consumer credit with GOLDMAN SACH BANK and repeated rejected solely based on presentation of my Drivers Licenses indicating I am a XXXX American male, having eliminated all other possibilities ( to which Goldman have provide no other ) the only possibility left there being sufficient reason to believe that GOLDMAN SACH BANK has been for several years and is engaged in discriminatory underwriting practices solely based on my race XXXX after the Banks XXXX Card underwriters determined am XXXX American after GOLDMAN SACH BANK saw my Drivers license photograph, GOLDMAN SACH BANK XXXX underwriters BLACKED Listed me and blocked my fair Credit access to XXXX Card consumed credit indefinitely, that constitutes multiple violations of the Consumer Credit Protection Act ( CCPA ), violations of the Equal Credit Opportunity Act ( ECOA ), violations of Consumer Financial Protection Act, and XXXX XXXX XXXXXXXX laws, all in violation of my civil Rights under Title VI of the Civil Rights Act, All constitutes multiple violations of section 1036 ( a ) ( 3 ) of the CFPA, 12 U.S.C. 5536 ( a ) ( 3 ), which prohibits providing substantial assistance to a covered person or service provider engaging in unfair, deceptive, or abusive acts and practices. and further violates 18 U.S. Code 1341 and 18 U.S. Code 1346 and all in violation of 18 U.S. Code 1349 Section 5 of the FTC Act, which prohibits deceptive or unfair acts or practices.. Therefore, BASED ON THEFORGOING : The issue presented here is : I submitted signed XXXX card consumer Credit applications to GOLDMAN SACH BANK on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2023 ; GOLDMAN SACH BANK made several six inquiries into my consumer credit file THAT CONSTITUTES VALID CREDIT APPLICATIONS for CONSUMER CREDIT under the CCPA, fair credit act et al ; THE ISSUE : GOLDMAN SACH BANK Denied my consumer Credit Applications, alleged because GOLDMAN SACH BANK says ( we are unable to verify your identity ) despite my several matching valid identification documents including matching XXXX XXXX XXXX XXXX : It is my belief GOLD MAN is engaged in discrimination solely based on my being a XXXX XXXX XXXX who does not fit GOLDMAN SACH BANK discriminatory criteria that only white persons with a XXXX XXXX and earn EXCELLENT Credit history can be approved for an XXXX Credit Card, is discriminatory and unlawful. 

Pursuant to the Equal Credit Opportunity Act I respectfully request this agency investigation and 1. order from this agency compelling GOLDMAN SACH BANK to provide alternate fair credit verification of identity methods ( i.e. phone video verification and selfie I.D . Verification, Email or document upload for Identification verification etc. ) that a modern XXXX XXXX bank should have available to all customers. 
2. Order GOLDMAN SACH BANK to immediately cease further violation of the Consumer Credit Protection Act, Cease violation of section 1036 ( a ) ( 3 ) of the CFPA, 12 U.S.C. 5536 ( a ) ( 3 ) and FTC Act, 15 U.S.C. 45 ( a ) ; 3. all other action in a XXXX  court within the CFPB commissions own powers, to obtain temporary, preliminary, and permanent injunctive relief, rescission or reformation of contracts, restitution, the refund of monies paid, disgorgement of ill-gotten monies, and other equitable relief for GOLDMAN SACH BANK and its co-conspirators defrauding U.S. Consumers and military families, DATED XX/XX/202XXXX XXXX