Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
XX/XX/XXXX I was placed on deferment program I was instructed in writing I have no payment due XX/XX/XXXX I was instructed my next payment due date XX/XX/XXXX On XX/XX/XXXX I receive an email stating my payment is XXXX  day passed due. " XXXX  days before payment is actually due. '' I started to contact Apple Goldman Sachs to look into this issue and NOT XXXX PERSON DID! I spoke to probable XXXX people and no one can tell me anything. AS STATES IN WRITING there were no payment due in XXXX till XX/XX/XXXX. 

XX/XX/XXXX I again reached out to Apple to explain the ERROR in writing with supporting documents and again I got all kind of explanation that contract XXXX another. Apple representatives has a hard time comprehending the calendar time line and has said to me in writing or recorded line that there is no error when they reported my payment XXXX late in XXXX when the payment is not due till XX/XX/XXXX. NOT IN XXXX BUT IN THE MONTH THE PAYMENT IS DUE! 

I had file multiple compliant months after months and Apple continues to denied any wrong doing. 

I spoke to a representative in the XX/XX/XXXX again and for over XXXX minutes he could not comprehend the time line and understand XX/XX/XXXX is BEFORE XX/XX/XXXX there for is impposble for the payment to be late. 

When questioned they try to say I didn't make a payment for XXXX. Even thought I was placed on deferment. Apple even admit that means I have no payment due. 

If I have no payment due then why are they sending me late payment notice " XXXX '' day before my due date? 

XX/XX/XXXX representative after close to XXXX hour of chat and seeing the documents and finally uncerstand the time line is in error opens and case for me. XXXX. I received a call on XX/XX/XXXX and turns out to be a collections agent. I explained to him the situation and he advise he has no knowledge of the investigation and said he will note the account. I also compliant that there are no single representative handling the case and I can never speak to any one with out having to tell the entire store from the beginning always ends with no resolution. 


XX/XX/XXXX I received a email claiming Apple was trying to reach out to me on the investigation but " can not " reach me. I replied to the email " XXXX '' times stating there were no contact of any kind or notice of any kind. 

XX/XX/XXXX I received a call from what has to be the lowest IQ representative claiming she's a manager and tells me the credit reporting is correct. 

I stated there is an error that contributed to this and that is the error I need addressed and corrected. She refused and claims there is nothing alarming I was getting late notice XXXX day before payment was actually due. I also on record proved this representative was just trying to avoid the fact there is an issue. 

I am sick and tired of this entire process at this moment. Apple GS has refuse to address the actual issue which is THE ERROR OF THE LATE NOTICE BEINF SENT XXXX DAYS PRIOR TO ACTUAL DUE DATE. 

Apple GS is by far the most unprofessional bank I have ever dealt with. They have been continuing to wreck my credit and refuse to investigate the actual error by claiming the credit reporting is due to no payment received on XX/XX/XXXX when I stated I need the error corrected and resolved before I would make any payment. 

If Apple continue to purposely avoid this error and avoiding my many many attempt to resolve this matter I will have no choice but to seek legal council for the amount of trouble and hinderance Apples credit reporting is causing me in many area of my life.

Company response to consumer: Closed with explanation