Consumer complaint received 2024-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Subject : Request for Detailed Explanation and Legal Contact Information for Account Closure Dear Sir/Madam, I am writing to express my deep concern regarding the closure of my Apple account XXXX XX/XX/year>. This sudden closure occurred shortly after I filed a discrimination case against Goldman Sachs. I have outlined the sequence of events and my concerns below : XXXX. **Provision of License Information : ** On XX/XX/year>, I provided my license information for the account. 

XXXX. **Flagged Payment : ** On XXXX XXXXXX/XX/year>, my account was flagged for a payment to my lawyer. This flagging was not communicated to me in advance, and I was not given any specific reasons for this action. 

XXXX. XXXX*Account Unlock and Relock : ** My account was subsequently unlocked on XXXX XXXX XXXXXX/XX/year>, but it was locked again on XXXX XXXXXX/XX/year>. This repeated locking and unlocking were highly disruptive and occurred without clear communication or justification. 

XXXX. **Filing of Cases : ** Following these events, I filed XXXX back office cases and a discrimination case on Wednesday, XX/XX/year>. 

XXXX. XXXX*Account Closure : ** Despite these ongoing issues, my account was closed on XX/XX/year>, without prior notification or explanation. 

I have several concerns regarding this matter : XXXX. **Potential Retaliation : ** The timing of the account closure raises concerns about potential retaliation, which could be a violation of anti-retaliation laws. 

XXXX. **Lack of Due Process : ** There appears to be a lack of due process and transparency in the account closure decision. I have not been provided with any specific information about how I allegedly violated the Customer Agreement. 

XXXX. **Breach of Customer Agreement : ** The closure of my account, without proper notification and explanation, may constitute a breach of the Customer Agreement. XXXX **Impact on Investigation : ** The closure of my account amidst an ongoing investigation of my discrimination complaint severely impacts my ability to address the issues raised in my complaint. 

Therefore, I respectfully request the following actions : XXXX. A detailed explanation of why my account was closed, including specific terms of the Customer Agreement that were allegedly violated. 
XXXX. Assurance that my discrimination complaint is being investigated impartially. 
XXXX. Reinstatement of my account or an alternative solution that does not negatively impact my credit standing. 
XXXX. The legal contact information for this case of discrimination or for a review of how I violated the Customer Agreement. 
XXXX. Information on how I can make payments towards the card to remain in good standing and ensure it does not affect my credit. Please confirm if I can still do this through the application. 

I also prefer to receive all correspondences and monthly statements via email to avoid any further delays or misunderstandings. Please email these to XXXX. 

I would appreciate your prompt response to this matter and am available to discuss this further at your earliest convenience. 

Thank you for your attention to this serious issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation