Consumer complaint received 2025-06-20 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: NE

Complaint narrative:
CFPB COMPLAINT LAWFUL CLAIM & NOTICE OF HARM Date : XX/XX/XXXX Complainant : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Non-Decedent Executor and Beneficiary of the Trust Estate XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nebraska [ XXXX ] Email : XXXX c/o XXXX XXXX Account No : [ XXXX ] To the Attention of the Consumer Financial Protection Bureau ( CFPB ) : XXXX XXXX XXXX XXXX XXXX, a living man, XXXX XXXX and standing de jure, hereby submit this formal complaint against Goldman Sachs Bank USA, XXXX XXXX XXXX Branch, the issuer and administrator of the Apple Credit Card, for acts committed in bad faith , fraud , and commercial dishonor which have caused undue harm to my estate, my right to credit, and my ability to sustain my livelihood. 

SUMMARY OF INJURY : Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX did the following : Retained my Social Security Number and estate-linked collateral under false pretenses during the application process for an Apple Credit Card ; Dishonestly denied an extension of credit which was justly due based on the commercial assets and bonding tied to my estate ; Committed unlawful conversion of interest derived from said estate, acting as if they hold ownership or custodianship of trust property, which they do not ; Failed to recognize my de jure standing as living principal, executor, and beneficiary of the public trust created via the social security account and certificate of live birth. 

I do not accept the denial. The denial of the Apple Credit Card application issued by Goldman Sachs Bank USA is hereby rejected and dishonored. I do not consent to any adverse commercial consequences resulting from this false denial and fraudulent action. My standing, trust, and estate remain unaltered by their unilateral commercial presumption. 

FACTUAL NOTICE : Goldman Sachs Bank USA has no lawful title, ownership, or superior claim to the securities or the beneficial interest flowing from the estate of the living man. All equity, interest, and usufruct derived from my estate must be returned, settled, and reconciled, and no entity shall operate commercially on said estate without my express written consent. 

Furthermore, the estate is bankrupt only in the artificial senseunder administrative assumptionnot in truth. Therefore, all denial of access to lawful credit is fraudulent concealment of estate value, and an active obstruction of the commercial remedy owed to the true principal. 

Any presumed Power of Attorney or implied agency by which Goldman Sachs Bank USA believes it can act on behalf of, or bind, my estate is hereby fully revoked and nullified.

Likewise, any security interest, lien, or custodial claim over my estate, SSN, or trust collateral is revoked, removed, and extinguished nunc pro tunc.Failure to provide the above remedy within 10 business days of receipt will result in : Filing of formal complaint with the Internal Revenue Service ( IRS ) regarding improper use, trading, and reporting of my estates assets ; Notice to the U.S. Securities and Exchange Commission ( SEC ) regarding unauthorized monetization or warehousing of trust-linked securities in violation of public trust and securities law ; Private lawful action against Goldman Sachs Bank USA for XXXX Breach of trust, Identity fraud, Conversion and misappropriation, Commercial dishonor, Unjust enrichment, And fraudulent concealment. 

You are hereby notified that I am the XXXX XXXX, XXXX XXXX, living man, sole lawful holder in due course of my estate and trust collateral. Your continued dishonor and commercial exploitation without full remedy shall constitute willful trespass and will subject you to both lawful and spiritual jurisdiction. 

Let this serve as an affidavit of truth, notice of liability, and final opportunity to settle this matter in honor and good faith. 

Signed with full reservation of rights, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Non-Decedent Executor and Beneficiary Date : XX/XX/XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation