Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Subject : Inaccurate Reporting of Apple Card/GS Bank USA Account During XXXX XXXX XXXX XXXX Violation I am submitting this complaint regarding the inaccurate and damaging reporting of my Apple Card account issued by Goldman Sachs Bank USA while I was serving on active duty orders with the United States XXXX XXXX XXXX 

Before leaving for XXXX XXXX bootcamp, I contacted Apple Card/Goldman Sachs XXXX XXXX and informed their representative that I would be leaving for recruit training on XX/XX/XXXX and would not have access to my phone, email, or internet while in bootcamp. I also explained that I had an outstanding balance of approximately {$250.00} and asked whether I could pay it after returning from bootcamp, due to not having funds or access during training. 

The representative assured me that : My account would be marked as belonging to a servicemember, An American flag icon would be placed on my account, and I would be able to pay the balance when I returned from bootcamp. 

I relied on this statement. 

However, while I was in XXXX XXXX bootcamp from XX/XX/XXXX through XX/XX/XXXX, I had absolutely no access to a phone, internet, email, or any financial accounts. Despite the prior notice of my active-duty status and the assurances I was given, Goldman Sachs continued to : Accrue interest and fees on the Apple Card account, and Report the account as 30, 60, 90, 120, and 150 days late to Experian, Equifax, and TransUnion.

When I returned from bootcamp, I was shocked to discover that my credit score had dropped significantly and that the Apple Card account was reporting severe delinquencies caused entirely during the period I was in training. 

I contacted Apple Card/Goldman Sachs multiple times after returning to explain that I had been in XXXX XXXX XXXX with no access to communication, and that their representative had assured me the account would be protected. I was repeatedly told that nothing could be done. 

The reported late payments are inaccurate, misleading, and in violation of the Servicemembers Civil Relief Act ( SCRA ) as well as the Fair Credit Reporting Act ( FCRA ) requiring accurate reporting. These delinquencies occurred only because Goldman Sachs failed to properly protect my account after being notified of my military status. 

I have already submitted disputes to the credit bureaus and to Goldman Sachs directly, and I am attaching the following documents : My XXXX confirming my service dates A copy of my credit report showing the late payments My dispute letters Requested Resolution : I am requesting that Goldman Sachs and the credit bureaus : 1. Remove the Apple Card/GS Bank USA tradeline and all associated late payments from my credit reports, and 2. Provide written confirmation that my credit file has been corrected. 

Thank you for reviewing this complaint. This situation has caused unnecessary and unfair harm to my credit due to circumstances outside my control while serving the country.

Company response to consumer: Closed with explanation