Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: AP

Complaint narrative:
I am submitting this complaint regarding what appears to be an unfair and disproportionate adverse action taken by Goldman Sachs Bank USA concerning my Apple Card account immediately after I paid the balance in full using retroactive VA XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX issued through the U.S. Department of the Treasury. I am a XXXXXXXX United States XXXX veteran receiving VA XXXX XXXX and XXXX XXXX XXXX ( XXXX ) benefits. My Apple Card account previously maintained an available credit limit of approximately {$1500.00}. On or about XX/XX/year>, I made a substantial payment to APPLECARD GSBANK in the approximate amount of {$1400.00}, effectively bringing the account balance to XXXX. The payment originated from retroactive VA XXXX XXXX compensation funds deposited through the U.S. Department of the Treasury. Immediately after substantially reducing the lenders exposure and paying the account in full, Goldman Sachs reduced my available credit limit to approximately {$500.00}. The adverse action notice references a XXXX XXXX XXXX XXXX report dated XX/XX/year> and cites : serious delinquency, recent delinquency, high revolving utilization, inquiries, and repossession-related information. However, the referenced negative information already existed prior to my recent payoff activity. If Goldman Sachs truly relied upon the XX/XX/year> XXXX report and the referenced information, it is unclear why the adverse action did not occur in XX/XX/year> when the report was allegedly reviewed. Instead, the reduction occurred immediately after I : paid the account balance in full, reduced the lenders exposure, and demonstrated corrective repayment behavior. This creates the appearance that responsible repayment activity triggered additional adverse treatment rather than recognition of reduced risk exposure and improved account conditions. My concern is that Goldman Sachs may have relied upon stale, outdated, incomplete, or materially misleading reporting information without adequately reviewing updated balances, current utilization, recent repayment activity, and current account conditions prior to finalizing the adverse action. The severity of the reduction also appears disproportionate considering : the account had just been fully repaid, lender exposure had been substantially reduced, payments were successfully processed, and the payment source consisted of verified federal Treasury VA XXXX XXXX and XXXX XXXX. This action negatively impacts : revolving utilization ratios, available credit access, overall credit profile, and ongoing credit rebuilding efforts. This matter may involve concerns under : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 et seq. Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 regarding unfair, deceptive, or abusive acts or practices. Fair and Accurate Credit Transactions Act ( FACTA ). I respectfully request : a detailed explanation regarding when the review was initiated and finalized, confirmation regarding whether updated balances and repayment activity were reviewed before the reduction occurred, reconsideration of the reduction based upon current account conditions, and correction of any inaccurate, stale, incomplete, or outdated information relied upon during the review process. Respectfully, XXXX XXXX XXXX U.S. XXXX Veteran

Company response to consumer: Closed with explanation