Consumer complaint received 2025-08-06 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: NJ

Complaint narrative:
Thank you for having this system to help people. 

This situation is especially damaging because I was actively trying to improve my credit by making large payments. Instead of being rewarded for that effort, I was penalized with a limit decrease which directly harms my credit utilization ratio. That undermines my ability to rebuild financial stability and could affect my upcoming family expenses. I was not notified in advance, and I was misled during my support chat while this change was already in motion. 


So to begin I made a {$700.00} payment to my Apple Card on XX/XX/2025, and another {$700.00} on XX/XX/XXXX. The money left my bank account right away, {$1400.00} total. But my available credit didnt update immediately like usual. It only showed {$400.00} available, so I contacted support. 

On XX/XX/XXXX, I messaged Apple Card asking why my available credit didnt reflect the full payments. I was told XXXX payment was still processing and would clear by XX/XX/XXXX. I asked in good faith if anything was wrong, they said nothing about a limit change or review, just blamed payment pattern changes. 

Then on XX/XX/XXXX, I got an email saying my credit limit was dropped from around {$2500.00} to {$1500.00}. It didnt contain what model or method was used to review me. That felt like a setup, they knew the limit drop was in motion while I was chatting with them days earlier, but didnt disclose it when I asked. 

The notice said my TransUnion report dated XX/XX/XXXX showed a past-due status. But again, they told me on XX/XX/XXXX that the delay was about processing, not credit risk. Thats deceptive. I was actively trying to pay down my balance, and they still penalized me with no warning while pretending nothing was wrong. 

I have a baby on the way. If I made those payments expecting to use some of that credit to buy food or essentials, how can that just legally disappear without notice? 

Then on XX/XX/XXXX, I made another {$1400.00} payment. I got a confirmation email, but my Apple Card showed only {$0.00} available, and a balance of {$140.00}, even though I just paid it down. I contacted support again, and they gave me the same vague answers and said theyd escalate, but I still havent received a clear explanation. 

I specifically asked what model or method was used to review me : Was it a human or automated review? 
Was a proprietary scoring model involved? 
What exact TransUnion info was used? 

Under the FCRA ( 15 U.S. Code 1681m ) and ECOA Regulation B, I have the right to know how this decision was made. Instead, they just say wait for the escalation and tell me that XXXX  makes the report. I wasnt asking who makes the report, I was asking how they used it. They kept shifting the subject, thats not compliance, thats deflection. 



So heres the issue : I paid over {$2800.00} in good faith across XXXX payments I was misled when I asked about my balance delay They dropped my limit behind the scenes and only told me after They are not disclosing their decision method, which XXXX legally entitled to This has caused direct financial harm and confusion XXXX asking the CFPB to step in and hold them accountable Please note : Under XXXX XXXX XXXX of Regulation B, a creditor is required to provide an adverse action notice with the reasons used for any limit reduction. I have not received this in a compliant format. 
Any isnt it required to be a notice before action not after??

Company response to consumer: Closed with explanation