Consumer complaint received 2025-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
In XX/XX/XXXX, I was denied application to several apartment leases in XXXXXXXX XXXX. I ran my credit, realized my credit score had dropped significantly, and I identified an account sent to collection in the amount of {$5200.00} under the name APPLE CARD/GS BANK USA XXXX I never opened this account and was completely unaware of its existence. The account was opened on XXXX XXXX, XXXX, which was around the time my phone had been stolen. At that time, I had disconnected my phone and purchased a new phone immediately. 
Throughout XXXX I contacted APPLE CARD several times to get information or statements to confirm this was not my account, however they continuously denied me and stated they were not authorized to give information. On XXXX XXXX, XXXX I filed a dispute through XXXX ( Exhibit A ). Several weeks later the information I disputed was ruled not in my favor. 
I continued to contact APPLE CARD/GS BANK USA and was finally sent the statements for the account from a representative named XXXX ( she would not give me a last name or any other information identifying her ). XXXX also identified the initial two charges on the card ( Exhibit B ) as two Apple XXXX XXXX XXXX in the amount of {$3400.00} and {$1300.00} at two separate Apple stores in XXXX XXXX and XXXX XXXXXXXX XXXXL. I have never purchased or owned an XXXX computer. I prefer {$200.00} XXXX XXXX  She also advised me to file an identity theft report on IdentityTheft.gov, and that they did not have email correspondence so I would have to mail the report to the address she provided. 
On XX/XX/XXXX XX/XX/XXXX, I filed an FTC Identity Theft Report ( Exhibit C ) and on XXXX XXXX, XXXX I mailed the report to Goldman Sachs Bank to the address provided earlier. I also required a signature and update to ensure it was received ( Exhibit D ). The letter was delivered and was received by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
On XXXX XXXX, XXXX, I received an email from APPLE CARD stating that Goldman Sachs Bank USA had completed its review of my claim, found me liable for the account, and that it would continue being reported to consumer reporting agencies ( Exhibit E ). The email also instructed me to send an Identity Theft Report from FTC, which I had already done. 
On XXXX XX/XX/XXXX, I called APPLE CARD/GOLDMAN SACHS again and spoke with XXXX and was transferred to XXXX. I asked if they had received my Identity Theft Report and she stated she had no way to verify. I also asked to be provided any information regarding why I had been found liable in regards to this account and she stated she could not provide any information because the account was closed. She said she would open a ticket and somebody would call me back. 
At this point I have spoken with approximately 20 different APPLE CARD/GOLDMAN SACHS employees over several months and received little to no help. I have taken action by filing disputes with credit agencies, filing an Identity Theft report through the FTC, and spending countless hours sifting through documents and speaking to representatives who appear to intentionally defer, redirect, and avoid addressing the issue. My credit, which is currently frozen, has taken a significant hit and the party at fault is taking no responsibility. I simply want to resolve this issue and move on from it.

Company response to consumer: Closed with non-monetary relief