Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
CFPB COMPLAINT APPLE CARD / GOLDMAN SACHS BANK USA Subject : Repeated Credit Limit Reductions, Improper Handling of Adverse Action, and Refusal to Escalate to Underwriting Consumer : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone : XXXX Summary of the Issue Goldman Sachs ( the issuer of Apple Card ) repeatedly lowered my Apple Card credit limit from {$6000.00} to significantly lower levels without proper notice, justification, or required adverse action documentation. The repeated limit decreases caused my reported credit utilization to spike to nearly 100 %, severely harming my credit score.

I have contacted Apple Card support multiple times requesting : A Limit Restoration Review Escalation to Underwriting / Credit Risk My legally required Adverse Action Notice Correction of inaccurate/highly misleading credit reporting Despite these requests, Apple Card support repeatedly refuses to escalate the case, instead looping me back to front-line chat agents who read from scripts. I have explicitly requested escalation multiple times, and each time my request has been ignored, dismissed, or redirected.

This has been ongoing for months, with no resolution and no access to the underwriting team responsible for the decision.

Violations and Concerns 1. ECOA / Regulation B Failure to Provide Adverse Action Notice Goldman Sachs took actions that meet the definition of adverse action by repeatedly decreasing my credit limit. 
They have never provided an adverse action notice containing : The specific reason ( s ) for the reductions The bureau or data used The right to request reconsideration This is a clear violation of 12 CFR 1002.9.

2. FCRA 1681e ( b ) Inaccurate / Misleading Reporting The limit reductions created an artificially inflated credit utilization ratio that does not reflect my true credit behavior or risk profile.

This causes inaccurate and damaging reporting, violating the FCRAs requirement to maintain the maximum possible accuracy of consumer information. 

XXXX. UDAAP Unfair, Deceptive, Abusive Practices I have repeatedly attempted to escalate the matter to underwriting, which is the proper channel for reviewing limit decisions. Apple Card support instead : Refuses to escalate Redirects me to front-line agents Provides canned replies Avoids addressing adverse action obligations Does not provide a clear dispute or appeal path This has caused ongoing harm and prevents me from exercising my rights. 

Attempts to Resolve I contacted Apple Card support on multiple occasions, including : Via in-app messaging Via phone Via chat escalations ( all ignored ) I have explicitly asked for : A limit restoration review Escalation to underwriting My adverse action notice They continue to refuse escalation and have not provided any legally required documentation. 

Desired Resolution I am requesting CFPB assistance to ensure Goldman Sachs : Restores my original {$6000.00} credit limit, reporting the original credit for the entirety of the time issued ( removes negative reporting the entire duration of the loan ) Provides the required Adverse Action Notices for every credit limit reduction Corrects any inaccurate or misleading reporting caused by sudden credit limit decreases Properly escalates my case to Underwriting / Credit Risk for review Provides a written explanation of the data and criteria used for the limit reductions I am also requesting that Goldman Sachs cease the practice of handling underwriting requests through front-line chat agents who are unable or unwilling to process them.

Company response to consumer: Closed with explanation