Consumer complaint received 2024-05-09 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: NY

Complaint narrative:
On XX/XX/XXXX I received an alert from my bank, I learned of unauthorized payments to Apple Card Goldman Sachs totaling {$4200.00} which were taken without my permission from my personal checking account and paid to Apple Card Goldman Sachs. I had not used my Apple Card in over a year and in fact had a XXXX balance since XX/XX/XXXX of XXXX so immediately I knew there was a major problem. After reporting and dealing with the unauthorized payments from my bank, I immediately called Goldman Sachs Apple Card and spoke to a specialist. I had learned that there had been fraudulent charges not authorized by me totaling {$7700.00} which, according to the Apple Card specialist took place between XXXX and XX/XX/XXXX. I informed the specialist that I did not authorize any charges nor did I have access to the Apple ID in which to view the account. I requested an investigation be opened immediately, the account closed, and to please forward a copy of the unauthorized fraudulent charges to me as soon as possible for review. Apple Goldman Sachs never returned my call nor provided me with copies of the unauthorized fraudulent charges. The next day, XX/XX/XXXX I called Goldman Sachs Apple Card and spoke to another specialist who informed me the information I had given to the previous specialist, the previous day was never processed, that Goldman Sachs specialist was named XXXX and assured me that an investigation would initiate, I was not responsible for any unauthorized fraudulent charges and copies of the unauthorized fraudulent charges would be forwarded to me immediately. I did not receive The requested unauthorized fraudulent charges per my second request. On XX/XX/XXXX I received a phone call from a Goldman Sachs specialist who was told the investigation was complete, I was not responsible for any unauthorized fraudulent charges and the account was closed approximately. Approximately one week later I received a letter from Goldman Sachs Apple Card stating the account was as well closed. On XX/XX/XXXX after receiving an alert from XXXX XXXX I learned my credit score dropped over XXXX points that morning on both XXXX, XXXX and XXXX, unsure if this was another fraudulent event, I placed a credit freeze and fraud alert to my credit. Additionally, I learned that Apple Card Goldman Sachs had reported an unpaid balance of {$6300.00} and a late payment for XX/XX/XXXX. I immediately called Goldman Sachs and spoke to a specialist name XXXX, who told me someone from Goldman Sachs would be calling me back in regards to this matter. I never heard back from Goldman Sachs Apple Card. On XX/XX/XXXX I sent a certified return receipt letter disputing the unauthorized fraudulent charges and Applecard Goldman Sachs was in violation of the fair Credit Reporting act by not providing any information on the unauthorized fraudulent charges to which they were holding me accountable for. Goldman Sachs Apple Card received the certified letter at XXXXXXXX XXXX  on XX/XX/XXXX and was signed for by XXXX XXXX. 
On XX/XX/XXXX, a Goldman Sachs Apple Card fraud specialist named XXXX XXXX contacted me and assured me the account was closed and I was not responsible for any of the unauthorized fraudulent charges. Additionally, he instructed me to file a police report/blotter report. XXXX XXXX additionally, after my said he would send me copies of the unauthorized fraudulent charges to my home address, verified my address which to this day I have never received from Apple Card Goldman Sachs. On XX/XX/XXXX at XXXX AM I filed a police report/bladder report with my local police department Per Apple Card Goldman Sachs instructions . Goldman Sachs Apple Card continues to report an increasing balance and late payments to my credit report, I have made multiple attempts, spent multiple hours of my time defending something that I had no responsibility for creating. Up until this fraudulent activity occurred, My credit score has been well over XXXX and now it is in the mid XXXX causing a hardship for me to attain further loans and credit resources. In addition, I have tried disputing this through XXXX XXXX on the XXXX, and XXXX platforms with no resolve. Apple Card Goldman Sachs places notices on my credit report that has it has been resolved which it has not. It has been a complete nightmare, dealing with Apple Card Goldman Sachs the specialists lie to you, make promises and ensure that you are a priority to them, which is far from the truth. In addition, Apple Card Goldman Sachs is in direct violation of the Fair Credit Reporting Act ( FCRA ). Per the fair Credit Reporting act, I am protected by rights, one being the right to obtain documents relating to fraudulent transactions made or accounts using my personal information. Apple Card Goldman Sachs is in violation of this law. I am begging for help in resolving this matter as I have given Apple Card Goldman Sachs over 30 days to respond in regards to this matter.

Company response to consumer: Closed with explanation