Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I am writing regarding the adverse action taken on my Apple Card application dated XX/XX/year>. I was notified that the application was denied based in whole or in part on information obtained from a XXXX  consumer report. The adverse action notice cited generalized reasons including serious delinquency and public record or collection filed, high proportion of balances to credit limits, too many accounts with balances, and a reported credit score of XXXX. 

This correspondence is not an admission of any debt, delinquency, collection account, or public record. It is not a dispute submitted under 15 U.S.C. 1681i. It is a formal request for clarification and verification made in good faith to ensure compliance with the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., and the Equal Credit Opportunity Act, 15 U.S.C. 1691 et seq. 

The adverse action notice provides only conclusory statements and does not identify any specific creditor, account, collection, or public record that allegedly supports the stated reasons. Without identification of the actual information relied upon, neither I nor any neutral decision-maker can independently evaluate the accuracy, relevance, or completeness of the basis for the denial. 

Accordingly, this notice requires Goldman Sachs Bank USA to take one of two factual positions, each of which must be stated clearly and in writing. 

Either the adverse action was based on XXXX or more specific, identifiable, and verifiable tradelines, collections, or public records attributable to me, in which case you must identify each such item relied upon, including the furnisher name and sufficient detail to allow independent review and, if appropriate, dispute. 

Or, alternatively, the adverse action was not based on any specific, identifiable derogatory account or public record attributable to me, but instead relied on generalized scoring factors, automated underwriting processes, or aggregated data inputs without item-level reliance, in which case no specific delinquency, collection, or public record exists to substantiate the stated reasons cited in the adverse action notice. 

This request does not seek disclosure of underwriting criteria, proprietary models, scoring formulas, or trade secrets. It seeks only clarification of whether any specific derogatory account or public record attributable to me was relied upon in reaching the adverse decision. 

If the former applies, failure to identify the specific items relied upon prevents meaningful disclosure and interferes with the exercise of consumer rights to review and challenge the accuracy or completeness of the information used in the adverse action, as contemplated by 15 U.S.C. 1681m ( a ).

If the latter applies, then the stated reasons asserting serious delinquency and public record or collection filed are materially misleading, as they imply the existence of verified derogatory information when no such item has been identified, raising concerns regarding whether the consumer report information relied upon satisfied the Fair Credit Reporting Acts accuracy and completeness requirements.

For purposes of meaningful disclosure and record accuracy, these are the only two factual possibilities that would explain the stated reasons for denial. Any response that relies solely on generalized score explanations, automated risk descriptors, or defers responsibility entirely to the consumer reporting agency without addressing this clarification will be deemed non-responsive. 

To the extent the denial relied on adverse score factors, please confirm whether those factors were derived from specific tradelines, collections, or public records attributed to me, or whether they reflected generalized risk metrics without identification of any individual derogatory account. 

I further request that all future communications regarding this matter be sent in writing only to my home address listed above. I do not consent to telephone, electronic, or third-party communications regarding this issue. 

This notice is sent for record-preservation and compliance purposes only. It does not waive any rights, does not acknowledge liability, and does not toll or revive any statute of limitations. I expressly reserve all rights and remedies available under federal and Washington State law.

I request that any response be provided within thirty ( 30 ) days of receipt of this notice so that the record may be kept current and accurate.

Company response to consumer: Closed with explanation