Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/XXXX, I received one alert email from XXXX. On XX/XX/XXXX, I logged into the account and found my credit score dropped from XXXX to XXXX. The reason is a {$4.00} delinquent payment from Apple Card/GS Bank USA XXXX which was a surprise to me. I never intended to own an apple card and not mention to use such a card. Or else, I will take care of the payment montly. 

On XX/XX/XXXX morning, I called Apple support and complained that I never intended to use Apple Card for anything. I even did not where to look at Apple Card balance since all of my times I use other credit cards. 

Things are very suspicious when I called Apple Support. The lady sophistically pointed to Apple Card in my XXXX XXXX that I never noticed. Everytime I use XXXX XXXX, I never intend to use any Apple Card. I always to link to my other credit card and paypal. Apple intentionally set up such a trap for consumers. Another evidence is that the lady found that all the charges are for cloud service, and subscribed via paypal account. How come it came to Apple Card? What's more, if I owned Apple carXXXX XXXX XXXX for months, where is the montly statement - email, paper or Apple messages. I never received such notifications. That means without explicit notification, Apple and Goldman Sachs Bank U.S.A set up a trap for American consumers and wait for to profit from those mistakes. What's more, they takes advantages of their connection to XXXX XXXX XXXX XXXX  and abused their power to cheat on consumers - without writing statements and notifying consumers, they destroy the credit randomly. What happened if I decide to get a mortgage without noticing that I even have such an account! If they have any formal statement notification, I do not think I will have such nightmare. 

The Apple Card issued by Apple with Goldman Sachs put consumers ' credit at risk. They did not have explicit writing to authorization. When I called Apple, they asked me to contact Goldman Sachs Bank U.S.A. My god, I never realized that I have have any financial connection to a bank called Goldman Sachs. How can I owned them money, what's more, the implicit schemes destroyed my credit. 

I requested from Apple and Goldman Sachs Bank U.S.A : - Cancel the Apple card, and delete all my personal banking information, which I was forced to pay the {$4.00} balances - Stop sharing my personal information without my written permission - Restore my credit by correcting the mistake. I had never received the financial statement from them formally, and even do not know where to check Apple Card balance without Apple 's assistance. You could see, how ridiculous Apple Card is! 
- Should follow the regulations of banking or credit cards, and issue monthly payments explicitly via mail, email or messages. Or else, this is a total scam by utilizing the technology. 
- They should stop issuing such card and make more Americans suffer. Please follow formal financials to provide account, login, monthly statement. Without that, it is a total scam, and without considering all consumer 's habit. 

The technology should provide conveniences, but should be in a better way to protect consumers. It should not appears in a deceitful way like Apple card. I wish the regulations should set up regulations to restrict this industry and avoid such scams. 

As showed in the screen shot, I was not even aware of that the charges went to Apple Card ; Not even know how to check. the Apple Card balance since financially, I am more traditionally - logged into all my banking account monthly and pay the balance. I did not receive any explicit balances and also agreed that Apple put balances onto Apple card.