Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I am filing this complaint regarding Apple Card, issued by Goldman Sachs, and the reporting of alleged delinquent debt to the credit reporting agencies. In XX/XX/year>, while traveling in XXXX, I was the victim of a robbery. My phone and other personal property were stolen. I have a police report documenting the incident. After the theft, I discovered activity on accounts that I did not authorize and immediately began taking steps to secure my financial accounts and identity. I notified Goldman Sachs regarding unauthorized charges and the circumstances surrounding the theft. Following my report, Goldman Sachs closed my Apple Card account. However, once the account was closed, I was unable to access account information, statements, transaction history, or billing details through the normal channels available to cardholders. I did not receive paper statements, billing notices, account summaries, or any meaningful explanation of what balance Goldman Sachs claimed was owed. Because my phone had been stolen and the account had been closed, I had no practical way to monitor the account or verify any alleged charges. I attempted to contact Goldman Sachs to obtain information and resolve the matter. Unfortunately, customer service was unable or unwilling to provide clear documentation explaining the alleged debt, the charges comprising the balance, or the basis for any delinquency being reported. I later learned that Goldman Sachs had reported the account as delinquent to the credit reporting agencies. This reporting has negatively affected my credit profile even though I was never provided a fair opportunity to review, verify, dispute, or resolve the alleged balance. To this day, I dispute the validity and accuracy of the reported debt. I have not been provided with sufficient documentation showing : XXXX. The specific transactions allegedly owed. XXXX. Which charges were determined to be authorized versus unauthorized. XXXX. Copies of account statements. XXXX. Evidence that statements or notices were properly delivered. XXXX. The basis for reporting the account as delinquent. I believe Goldman Sachs failed to conduct a reasonable investigation of my fraud report, failed to provide adequate account access and documentation after closing the account, and reported negative information to the credit bureaus despite unresolved disputes and a lack of meaningful notice. I respectfully request that Goldman Sachs : * Provide a complete account history and all statements. * Provide documentation supporting every charge claimed to be owed. * Provide documentation regarding the investigation of the unauthorized charges I reported. * Review the accuracy of the delinquency reporting. * Correct or remove any inaccurate negative reporting with the credit bureaus. * Suspend collection activity until the disputed balance is properly verified. I am prepared to provide the police report documenting the robbery, evidence of my communications with Goldman Sachs, and any additional documentation requested.

Company response to consumer: Closed with explanation