Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
My name is XXXX XXXX XXXX. 

I used to have an Apple credit card. 
I open up XXXX XXXX XXXXXXXX XXXX XXXX. 
I rented this XXXX so I wanted to change the XXXX before I open the XXXX. 
I called a XXXX XXXX. They are individual not a big company to get this done as soon as possible. 
Those guys were taking so long and it was night. I told them I have to go home once you guys done. Give me a call and I can pay you guys XXXX or with my credit card. 
They said OK and I told them leave the XXXX  in a secret place. 
After I left, they called me and I provide them my Apple credit card number. 
Here is the story begins- You guys ever heard any XXXX XXXXXXXX can charge you almost XXXX dollar to change your XXXX in a XXXX XXXX?!? 
These guys charge my Apple Card for {$960.00} some change. 
I Tried calling them no answer. Came to the shop next day. Try to open the shop having issue opening the door so I called another XXXX XXXXy which called XXXX back. They came XXXX XXXX XXXX charge me a lot {$200.00} something which makes a lot more sense. 
I keep trying calling the other guys who charge my card for {$960.00} did not get anything from them. Then I call Apple credit card company which is Goldman Sachs dispute that charge. 
I thought everything will be fine, but the dispute came back and it did not result on my Favour. I disputed again same thing it came back but not in my favour. I dispute that again after third time I called Apple Card Agent told him I can not do that anymore every time I have to explain you guys what happened give you guys screenshot I have to do all these things. I can not do it anymore so I would like to close my Apple credit card so I paid whatever balance was due on that card and I asked the agent they can not be able to charge my card anymore right? Apple Agent reply if your car is closed they should not so I close the Apple credit card and once I close that card, I can not see any information on the Apple wallet about that card anymore but I dont have to worry Wright because when I paid my account has XXXX balance and the agent confirmed that those guys can not be able to charge my card anymore, so I did not had any reason to check or try to call them to ask about that dispute or anything like that Time passed by get one or two call just like a scam phone call today you have a balance give me your credit card you have balance give me your credit card number. 
Of course I am XXXX XXXX XXXX. I am not gon na fall for those scam calls so I ignored those calls and did not provide my card number over the phone. 
Two months later, I was checking my XXXX account and I saw two late payments reported in my credit report. By the way I had zero late payment in 10 years using credit cards I forgot to mention and I have two cards paid off under my name. I opened up a business so zero late payment basically I am pretty reliable person and take care of all the bills on time. 
Seeing those two late payments, my eyes are in the sky. Im like what happened. I tried to look dig into it and I saw Apple credit card report it too late payments. I called them right away. Ask them whats up why these late payments they told me oh you have a balance of {$1.00}. 24 % on your bank account? Im like but I can not see that because I close my credit card how come these balance came? Thats when they said your dispute came back again and it did not resolved on your favour so there was a reward Balance of {$1.00} came back to your account. I was like what is this mean? I already paid before I close the credit card. It was XXXX balance. 
Then the guy said no this {$1.00}. 24 % was that reward or cashback that came back. 
My credit limit was XXXX $ When I use their credit card I never had a late payment. They should have easily waived that {$1.00} from my account instead. Apple people reported that {$1.00} late payment to XXXX XXXX and how come I will see that balance my credit card was closed and they did not send me any emails or they did not send me any proper letter at my address saying that you have a balance of {$1.00}. XXXX Do they think I am a stupid? Do I want late payment showing on my credit report after 10 years of using a credit card that I dont wan na pay that {$1.00} and I wanted to have two late payments on my credit report of course not I did not see there is a balance of {$1.00} thats why I didnt pay. 

I tried calling Apple people talk to multiple supervisor ask them to remove these too late payments which was not even my fault because I closed that credit card and when I close Apple credit card you can not see anything so if you can not see anything who is gon na tell you that I have a balance? Whos gon na tell me that make a payment? You have a balance due right? 

My request to you guys remove those two late payments after Reading this message please help me remove those two late payments from my credit report which will help me buy stuff much easier and get much easier interest and maintain a perfect discord which I had till I have these two late payments. You can check my credit history you can check my credit report. I have zero late payment still this to hit back to back and that happened because it was a close credit card and I didnt know that I had a balance. Thank you for your time and understanding.

Company response to consumer: Closed with explanation