Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am reopening this dispute because Goldman Sachs failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ). The banks prior response is inadequate, legally insufficient, and does not address the actual basis of my complaint.

Goldman Sachs claims that notifications were successfully delivered, but this assertion is misleading and incomplete. Apple Cards primary alert mechanism is the Wallet app notification system, not email. After a recent iOS update, the Wallet app failed to display due-date alerts, payment-failed alerts, or pending-payment notificationseven though notifications were enabled. This is a known technical issue that has impacted a substantial number of Apple Card users, acknowledged repeatedly in Apple Support channels. Backend logs showing an automated email was generated do not prove the user was notified, and this does not satisfy the standard for determining consumer negligence.

Goldman Sachs investigation did not address or evaluate the system malfunction that caused the missed notification. Instead, they relied on a template response that completely ignores the central issue. This failure constitutes a willful and negligent violation of FCRA obligations, as a furnisher must investigate the specific dispute raised, not respond with generalized language unrelated to the actual facts.

I have a long-standing history of on-time payments and immediately paid.. The banks continued reporting of this late mark is inaccurate, misleading, and incomplete, and therefore violates FCRAs accuracy and integrity requirements.

I am requesting CFPB intervention because Goldman Sachs has not satisfied its statutory duty to reasonably investigate and correct inaccurate information. I request the removal of the XX/XX/year> late payment from all Credit Reporting Agencies due to technical system failure, lack of consumer notification, and failure by Goldman Sachs to meet FCRA investigation standards.

Goldman Sachs response relies solely on the fact that emails were sent, but Apple Card is designed to function primarily through in-app Wallet notifications, not email. My complaint was about the failure of the notification system, not whether an automated email was technically generated. A notification that never appears can not be considered successfully delivered, regardless of backend logs.

Under the Fair Credit Reporting Act, furnishers are required to investigate disputes in a meaningful way. The bank did not address or investigate the technical failure of the Wallet apps notification systemwhich is the central reason the payment was missed. I have a consistent history of on-time payments, and the moment I became aware of the missed alert, I paid the balance immediately.

This late mark resulted from a technical malfunction, not negligence or unwillingness to pay. I am requesting the removal or correction of this inaccurately reported late payment, as Goldman Sachs mischaracterized the issue and failed to investigate the actual cause as required under FCRA.

I respectfully request CFPB review, as the banks previous response did not address the core issue and therefore did not meet the standard of a reasonable investigation.

Company response to consumer: Closed with explanation