Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
This letter serves as my formal notification and demand for performance regarding the Apple Credit Card offer which I have fully accepted. 

On XX/XX/year> I met every stated requirement outlined in your advertisement and offer. I submitted my application, verified my identity, and made a deposit using my personal information and digital signature. These actions form a legally binding acceptance of the offer and confirm my full compliance under the agreement as presented. 
In support of my eligibility, I reference the eligibility section from the Apple Credit Card Installment Agreement, which states that to be eligible for an account, an individual must : Be at least 18 years of age ( or older depending on your state of residence ) ; Be a citizen or lawful resident of the United States ; Have an Apple ID associated with an iCloud account that is in good standing with Apple , Inc.

( " Apple '' ), as well as a valid email address associated with your Apple ID ; Have Apple 's two-factor authentication turned on for your Apple ID that is associated with your XXXX  account ; and Have an Apple device that has a version of XXXX, XXXX, or XXXX  that supports the use of the Account, has internet access, has a passcode enabled, and is associated with your Apple ID ( a " Required Device '' ), or have a device that has a supported browser and is capable of accessing HTML websites to view and retain documents in commonly used electronic formats. 
I have met all of these requirements in full. 
Accordingly, I am demanding that Goldman Sachs Bank USA perform its obligation to credit and activate my Apple Card account immediately. Any failure to do so constitutes a breach of contract and may also violate federal consumer protection laws. Furthermore, I must address the issue of creditworthiness. Nowhere in your advertisement or offer materials was it disclosed that creditworthiness, as determined by a third-party credit bureau , would be a requirement. If this requirement exists, it is both deceptive and in violation of fair consumer practices. Even if such a requirement were valid, relying on third-party agencies such as XXXX  or XXXX  is wholly unjustified. Their reports are often inaccurate, outdated, and lack full context. Federal law protects consumers from being denied financial products based on unverifiable, baseless, or misleading data, and the use of these third parties to deny access to a secured credit product is unacceptable. I remind you that federal law does not grant institutions absolute discretion in determining creditworthiness through third-party reports, particularly when the consumer has already met all deposit and verification requirements. A secured credit card, by design, mitigates any credit risk. Please consider this my formal and final demand for full account activation and performance of the terms. I request written confirmation of activation within 7 business days from the date of this

Company response to consumer: Closed with explanation