Consumer complaint received 2024-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I was on a payment agreement, which I did pay each month on time this company said I wouldnt be charged the interest rate during the XXXX month agreement at the end of the XXXX months. I was still charged the interest I called the company to try to rectify the situation. I spoke with about XXXX to XXXX reps in about XXXX supervisors the program ended in XXXX with all my payments completed with the interest included in my payments I held my XXXX payment in hopes that they would fix my account which they did not so I ended up paying my XXXX payment XXXX day late on XX/XX/XXXX because I didnt want to set myself back after I just paid so much so what was supposed to bring me current from what they told me since I paid XXXX day late I was told I didnt make my payment at all for XXXX I also made another payment on I also made a double payment XX/XX/XXXX to cover my payment for the month of XXXX as well as XXXX I noticed that they put their report in, but did not accurately update my payments to the credit bureau for the XXXX XXXX XXXX and XXXX there are still till this day XX/XX/XXXX no update of my correct balance has been made since XX/XX/XXXX, even though they are putting reports in As of XX/XX/XXXX my balance was {$3800.00} & As of Today XX/XX/XXXX the balance is {$1300.00} I have tried everything down to email him. The CEO of the company they had a rep call me back and the rep told me that I would never be able to contact the actual CEO and I have just been rejected. They have been rude and they have been completely violating my rights per 15 USC 1666 ( a ) ( b ) as I requested them update the late payments that were actually paid on time to paid as agreed this company as well as the credit bureau is violating my rights per 15 USC 1681 ( b ) I have never provided any written consent or any consent at all for any credit bureau to keep reporting these and accuracies on my report this company is also not following the dispute accuracy, procedure and are violating my rights per 15 USC 1681 ( a ) ( 1 ) ( A ) ( f ) & ( g ) Please Update My Current Balance & Repayments Of The 3 Month interest free that I was told I wouldnt be charged for during the three month program. 15 usc 1602 in any consumer, credit transaction, the actual natural person is the one extending the credit and we know businesses arent natural people. Im the consumer in which the debt is arising Please update my information in a timely manner Per FCRA 611 Part ( A ) ( 1 ) 15 days or sooner 60 days is not acceptable They are telling lies and their consumer response. My account was not current after I completed the program. It only became current after I put an extra {$300.00} down at the end of XXXX. And I informed them that I would be missing payments before I even started missing payments to see if they could work something out with me being as though I was always paying XXXX time before I became ill and had to go through XXXX so I could not work, which they still refuse to work with me on this company is heartlessand even when I try to make payments just to the principal so I wouldnt fall behind. They denied me to do that as well. They are telling lie after lie on here I called because they werent reporting me as current or paid as agreed and it just didnt make any sense to me as to why when I was making the payments on time during the program they were coming out automatically when I called they told me they would not update the statusuntil after I started making the payments after the program and every representative that I spoke to I brought this up to, so I cant believe that theyre actually saying. That the Apple Card payment plan will report as current to the credit bureaus because they did not, and I have proof from my credit bureaus where they did not. That was one of my biggest concerns along with being charged the interest fee that I wasnt supposed to be charged as well. They lied to me about the whole program XXXX and XXXX was not reported current only XXXX was and they still havent reported anything for XXXX or XXXX. They said that I could not pay XXXX early after I already made the payment early and theres nothing there at all. After the payment plan was done. My balance was still over {$4000.00} the program ended in XXXX. so I dont know why they are lying and saying that my account became current when it didnt all this company does is lie and they have been getting away with it for too long. Im standing by my rights and Im prepared to go through arbitration if they do not correct my report.Hear an exhibit A B C & D you can see where they reported my balances only on my app where I paid & you can see where they put their report in for the credit bureau, but did not record my payments like I said as of today they have my last payment way back in XXXX and the balance is inaccurate

Company response to consumer: Closed with explanation