Consumer complaint received 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Dear Goldman Sachs Bank USA, I appreciate your response regarding my complaint related to the Apple Card account. However, I would like to formally dispute the accuracy and completeness of the information reported to the Credit Reporting Agencies and request further review based on the following concerns : 1. Discrepancies in the Reporting & Charge-Off Process Your response states that the account was charged off on XX/XX/year>, due to non-payment by XX/XX/year>. However : Charge-offs typically follow a 180-day delinquency period per regulatory guidance. If my last payment was before XX/XX/year>, I request clarification on whether the charge-off date aligns with standard industry practices and your own internal policies. 
If any additional fees, penalties, or interest were applied during this period that do not align with the Apple Card terms or regulatory guidelines, I request a detailed explanation and, if applicable, an adjustment of the balance. 

2. Lack of Verifiable Communication Regarding Delinquency Your response states that reminders were sent via email, but it does not confirm whether I actually received them. 
Please provide verifiable proof of delivery and acknowledgment of these communications, including server logs confirming receipt or read confirmations. 
If the only method of communication was email, and I did not receive them due to potential system errors or outdated contact details, I request reconsideration of the charge-off status due to a failure of proper notice. 

3. Validation of Debt & Potential Discrepancies While you have provided 37 months of statement history, I request : A line-item breakdown of how the final balance of {$12000.00} was calculated, including any interest, penalties, or fees that accrued after the account became delinquent. 
Clarification on whether any of these fees or charges were incorrectly applied or exceed what is permitted under the Apple Card agreement and applicable laws. 

4. Fair Credit Reporting Considerations Under the Fair Credit Reporting Act ( FCRA ), information reported to Credit Bureaus must be accurate, fair, and substantiated. If any errors, discrepancies, or unfair practices are found in the reporting process, I request the necessary corrections or updates to reflect an accurate status.

5. Potential Resolution In the interest of reaching a resolution, I am open to discussing possible settlement options, payment arrangements, or goodwill adjustments in exchange for a favorable credit reporting update. Please provide details on what options, if any, are available to resolve this matter amicably. 

Given these concerns, I request a thorough review and an updated response addressing these points. If the matter is not resolved fairly, I may escalate my dispute to the appropriate regulatory authorities. 

I appreciate your prompt attention to this matter and look forward to your response. 

Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief