Consumer complaint received 2025-10-16 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: PA

Complaint narrative:
I am submitting this formal complaint against Goldman Sachs Bank USA XXXX Apple Card ) and the consumer reporting agencies ( XXXX XXXX XXXX XXXX  ) for ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ), Fair Credit Billing Act ( FCBA ), and Equal Credit Opportunity Act ( ECOA ). 

On XX/XX/XXXX, I made a {$2700.00} payment to my Apple Card account significantly above my minimum due. Just XXXX week later, on XX/XX/XXXX, Goldman Sachs Bank USA reduced my credit limit from its prior level to {$1600.00}. This action occurred immediately after I exercised my legal right to dispute inaccurate reporting and unlawful late-fee practices through both the creditor and the credit bureaus. 

This timing and pattern of behavior indicate retaliation and adverse action under : ECOA 701 ( a ) ( 3 ) ( 15 U.S.C. 1691 ) prohibits retaliation against a consumer for exercising credit rights.

FCBA 1666 & 1666a protects consumers from punitive actions during billing disputes.

FCRA 1681s-2 ( a ) & ( b ) requires furnishers to report accurate information and prohibits retaliatory conduct following disputes. 

Additionally, XXXX continues to maintain unauthorized hard inquiries and inaccurate Apple Card data on my file despite multiple prior dispute submissions. These inquiries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts were previously identified as unauthorized, yet remain uncorrected, violating FCRA 1681i ( a ) ( failure to conduct a reasonable reinvestigation ).

I am requesting that the CFPB : 1. Conduct a full investigation into Goldman Sachs Bank USA for retaliatory conduct.

2. Require all three credit bureaus to correct or delete inaccurate Apple Card data and unauthorized inquiries. 
XXXX. Order reinstatement of my original or higher credit limit. 
XXXX. Recognize my claim for statutory damages of {$1000.00} per violation, as well as punitive damages for willful non-compliance. 

This complaint includes a Notice of Intent to Sue to preserve my rights under federal law should these violations continue. Supporting documentation and screenshots are enclosed, including my {$2700.00} payment confirmation ( dated XX/XX/XXXX ) and the credit-limit reduction notice ( dated XX/XX/XXXX ). 

NOTICE OF INTENT TO SUE Subject : Notice of Intent to Sue for Violations of the Fair Credit Reporting Act ( FCRA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ) Dear Compliance Officer, This letter serves as my formal notice of intent to initiate legal proceedings against Goldman Sachs Bank USA XXXX Apple Card ) and all relevant parties, including the reporting agencies ( XXXX XXXX XXXX XXXX ), for multiple and ongoing violations of federal consumer protection laws. 

On XX/XX/XXXX, I made a {$2700.00} payment to my Apple Card account significantly exceeding my minimum balance due. Despite this good-faith effort and consistent record of payments, my credit limit was abruptly reduced on XX/XX/XXXX, just XXXX week later. This action occurred in the midst of my active consumer disputes regarding unlawful late-fee reporting and inaccurate credit information. 

The following violations have been committed : XXXX. Equal Credit Opportunity Act ( ECOA, 15 U.S.C. 1691 ( a ) ( 3 ) ) Retaliation and adverse action against a consumer for exercising lawful rights.

2. Fair Credit Billing Act ( FCBA, 15 U.S.C. 16661666a ) Unlawful penalization during or after a valid billing dispute. 
XXXX. Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i, 1681s-2, 1681e ( b ) ) Failure to maintain accurate credit information, perform reasonable reinvestigations, and prevent the furnishing of retaliatory data. 
XXXX. Negligence and Willful Misconduct Continued inaccurate reporting and data handling after being properly notified of disputes. 

As a result of these violations, I have suffered : Harm to my creditworthiness and FICO score, Emotional distress and reputational damage, and Loss of access to reasonable credit terms. 

I am demanding the following remedies : 1. Immediate reinstatement or increase of my previous credit limit ; 2. Permanent correction and deletion of inaccurate credit information ; 3. Written confirmation of all updates within 15 days ; 4. Compensation of {$1000.00} per statutory violation, plus punitive damages and attorneys fees as allowed under 15 U.S.C. 1681n and 1681o.

If I do not receive written acknowledgment and corrective action within 1XXXX calendar days of your receipt of this notice, I will proceed with filing a civil lawsuit in federal court for all applicable statutory and compensatory damages. 

This notice is sent in good faith to allow voluntary compliance before litigation. Please treat this as my final opportunity to resolve this matter amicably.

Company response to consumer: Closed with explanation