Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am writing to formally dispute the mishandling of my Apple Card account, including unauthorized charges, late payments, and the failure of Apple and Goldman Sachs to address my complaints in a timely and effective manner. 

Based on the findings of the Consumer Financial Protection Bureau ( CFPB ), which recently ordered Apple and Goldman Sachs to pay over XXXX XXXX due to their failures in managing customer disputes, I believe my situation is a clear example of their mishandling of customer concerns. Despite multiple attempts to resolve this matter through Apple and Goldman Sachs, my disputes over unauthorized charges and subsequent negative impacts on my credit report have not been addressed. 

Specifically, the following issues have occurred : Unauthorized Charges : I have disputed several unauthorized transactions made to my Apple Card. Despite my efforts to report these issues through the designated channels, my disputes were not investigated properly or acknowledged in a timely manner, as required under federal law. 

Late Payments on My Credit Report : Due to the failure to address my disputes promptly, late payments and negative marks have appeared on my credit report, despite the charges in question being unauthorized or disputed. This has caused significant harm to my credit score and financial standing. 

Failure to Respond to Complaints : I have submitted multiple complaints regarding the unauthorized charges and late payment issues, but I have not received adequate responses or resolutions. Apple and Goldman Sachs ' failure to respond to my complaints and investigate the disputed transactions within the required timeframe is in direct violation of federal law, as highlighted in the CFPBs enforcement actions.

The actions of Apple and Goldman Sachs, as outlined by the CFPB in its enforcement actions, are clear violations of the Consumer Financial Protection Act and the Truth in Lending Act. These failures have caused undue financial harm and stress, and I demand the following actions be taken immediately : The removal of all unauthorized charges from my Apple Card account and the correction of any negative credit report entries related to these charges. 
A full investigation and resolution of my prior complaints regarding this matter. 
A prompt and thorough response to my disputes and an explanation of why the legal requirements were not followed. 
I am requesting that this issue be escalated and investigated further, and that appropriate action be taken to resolve my account disputes. Given the extensive nature of the issues I have experienced, I also ask for an immediate review of my credit report to ensure that any incorrect information is removed. 

Please consider this my formal complaint and dispute for action by the XXXX XXXX XXXX and the Consumer Financial Protection Bureau. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the resolution of my complaints in a timely manner.

Company response to consumer: Closed with explanation