I would give ZERO stars if possible. In three weeks of an investigation, requested evidences. Never received neither by mail nor by email. Team members keep share different information and suspicious information not from my account!! Usually spend an hour for nothing! HUGE MISCOMMUNICATION AND NOBODY FROM THE TEAM CANT CLARIFY ANYTHING! read more

Good luck if your account is compromised. They say they review the disputed charge but they don't really look into it. I requested the they send me proof of purchase and delivery from the store after the third time of disputing the charge, they sent a copy of my statement from Sachs. The one that shows a charge to my account that I have access to. Really? Do better Sachs Goldman. Still fighting after 6 months. read more

This is the worst bank to work with. I disputed a transaction for a faulty product but they were all the time on the side of the scammer merchant. They are crap. read more

i was scammed today by marcus. unreal.. they sent me a promo 4 months ago to send a certain amount of new money and receive $1500 after 90 days. i did it and waited and today is day 100. i called to find out about it and they told me i did open the account but when i set it up i never added the promo so sorry too bad. i did add the promo 100% and even spoke to someone over the phone as well. spoke to a supervisor named david today at 1154am on 6-1726 and he was awful he could care less and i asked to speak with someone who actually cares and he refused to let me talk to anyone else and they record all conversations and they can listen to hear im telling the truth.. so much money i have with them and they treat me like garbage.. i actually cant believe they lied and scammed me just not to pay me my $1500. unreal.. thats the problem these days.. no one cares.. and you cant even reach anyone who cares... thanks for scamming me marcus.. read more

This business is a complete scam operation. They have no customer protection. They will find a way to hold you liable for fraudulent charges. Additionally, their customer service reps are rude and condescending. In my case, a child spent over $300 on Roblox in less than 5 minutes and the comments ranged from "You gave your phone to authorize maybe be carful next time giving your device to someone who will use it without your permission just a little heads up" to "You made these transactions not me maybe don't give your device for anyone else to use". This was a representative named Kayla. I know someone who was defrauded for over $900 in what is likely Roblox/Goldman Sachs scam duo. There was also one fraudulent charge to my Chase card. This was reversed without question. Never open any account with GS to maintain your peace of mind. read more

Do NOT get a credit card with them. I had fraud on my card and submitted evidence twice. They refused to investigate my information saying they never received the evidence. It was for 3,562. Not to mention they refused to send me documents how they decision determined . read more

The customer service is terrible, they do not know what the hell they are doing. I was so fed up with them that I called and asked to close my Apple card in month of August they read the disclosure and I paid the $11 and some cent that I owed. Then I thought i was ride of this horrible company for good. I changed my device on December 6 and all of the sudden Apple Card showed up in wallet called Apple asked them to help me remove it then I received an email that I still owe $7.18 cents and if I do not pay that I will be reported for being delinquent to credit bureau. I was shocked because first off there was no payment! Where did this come from? Last week I was up till from 8 pm till 2:30 am talked to 6 agent and supervisor to just resolve the issue and asked for itemized transactions, no one could provide that, they said after they did their calculations and investigation they think they made a mistake and I have to pay $7.18 which still is a mystery to me. my score always been 850 exceptional, I work for financial center and I know you should not close an account unless it is fully paid. My dilemma was that why they waited for 4 months and sent me email after 4 months just right after I changed my device. I have 7 credit card from different places all have auto pay so I do not worry ever about being late. Apple Card belongs to Goldman Sachs, a bank that is money hungry and by fooling & threatening people makes money here and there, imagine if they do this to all the Apple Card holders their company will make great profit from their clients. Please read some of the reviews from unsatisfied clients about their billing system and having constant error. All my Apple purchases go to my other chosen credit card, not what Apple chooses for me. I hated dealing with Goldman Sachs every time it was a discrepancy on my bill. read more

We Couldn't Open a Joint Savings Account Marcus Goldman Sachs savings accounts have a good interest rate, but: My wife has an individual savings account for her personal funds, and we wanted to open a joint savings account for our joint funds, a year ago. Our application wouldn't go through and after two hours of phone calls I was told that it could not be done. We recently got an email offer of a bonus payment of $100 to open an account with fresh funds of $10,000 or more, so I thought we would try again. At the end of our application and certifications the screen told us to call 855-730-7283 because there were additional questions. We ended up talking with three representatives over two days. They even put in two applications for us, and they got that same message to call that number. They were saying that the joint account should be doable. I did get an online customer profile, but there were no accounts to show. So we asked for a "case" to be created, for the top technical support and the programmers, and that was done on 2/1/2026. They were to call, text, or email when they had a solution or lack of one. On a follow-up call that I made today, 2-5-2026, the supervisor said he checked and "They're working on it", but he could not say if the programmers even looked at it, or if the case was just sitting in a backlog. All these contacts at Marcus GS are saying that they cannot just assign a working account number; the "system" has to do it. So, I give up. read more

I had a fraudulent charge for over a year now on my account and they keep refusing to give me credit.

Goldman Sachs first wouldn't process my application for an Apple Card, even though I have an 810 credit score. I guess because I pay off my CC's every month, I'm not their type of client. Then when Apple intervened and helped me get my card, I used it to buy a Mac, paid the bill in full and then they held me back from using it again for 8 days because they said I was using it too much. Worst bait and switch I've ever seen. It sucks that we bailed them out with our tax dollars in 2008, they should have failed. read more

I enjoyed this credit card for a while until I had a fraudulent transaction. It was for an online item for which I never received. I disputed the transaction 3 times. I provided proof that the online company had shut down their website, falsified the tracking number they provided, and provided claims from other victims. Despite these efforts Goldman Sachs sided with the online retailer each time. I have never had a credit card company with such bad support of their customers. With so many other options out there I don't see any reason to stay with Goldman Sachs Bank. Best to stay with companies that support their customers. read more

Called earlier since someone used my mom's deceased name to open an account and give me the run around..then told me they can't helpe me because they need to talk to my mom even thought I told them she's no longer with us...then I ask so what's going to happened with this account and she couldn't give me a straight answer...worse customer service ever...not recommending to open nothing in their account...they can't even help with a simple solution..there a joke. read more

I wish I could leave zero review. I closed my CD and tried to transfer to my saving account with another bank. There were issues due to it being processed as a checking account instead of a savings account so it didn't go through. 1 month later and 8 calls to them, I still do not have access to my own money and they don't have a time frame of when i will get my money put back into my account. The last customer service person I spoke to cancelled the check that was being sent to me and didn't tell me so its delayed further. Each time I call the person tells me something different. Its frustrating and unprofessional. I will be taking most of my money out as soon as I get my funds. Awful. read more

TERRIBLE, I've been trying to receive funds to settle an estate for over three months, have supplied everything. Only accept info through the mail, seriously....in today's world only snail mail. Always get a different reason of what's pending, I have never encountered such lack of customer service, WORST. Is there a negative star rating. read more

My Capital One GMC card went from Capital One over to Marcus by Goldman Sachs. Fine. Then 5/6 months ago, a GANNETT NEWSPAPER company began billing my GMC card for $12.03 monthly. I called GMC card Customer Service. They said "You need to call GANNETT (888-871-0658). We cannot deny the payment because you authorized it with GANNETT." OK, thank you. I called that number more times than you can shake a stick at. GANNETT's robot asks two questions for you to choose from. If you don't choose, Robo hangs up. After three new credit cards, with new credit card numbers, I canceled (09/27/2022) my account with GMC card so GANNETT will not be paid AGAIN. GANNETT will contact me and THEN..... then, a REAL GANNETT specialist will talk to me. I plan on OFF-LOADING.... courteously, but nonetheless UNLOADING. read more

Latest re: Goldman Sachs -- after I told them that I was in such mental health distress that I was having an actual anxiety attack on the phone with them (true story - the person on the line could tell that I was panting and barely breathing), they were moved to not only profusely apologize (multiple apologies are cheap), but they actually DID something about it. They must have called a team meeting or something, and decided that they will issue me 25.00 in my account (after being their client for YEARS). Someone called me (surprising!), to let me know that this 25.00 credit was approved. It would only take five business days or so (LOL) to appear in my account. So, in a sense, this is good; for they finally took responsibility for their many errors of not making clear why they couldn't provide me with a simple letter stating my bank account balances with them (in legal terms, this is called "a balance confirmation letter".) Hey, that was something. But by the time that they decided that they would issue me this 25.00 credit *honestly, this was insulting, considering that I'd been on the phone with them on and off at that point for TWO months*, I was done. DONE. I called back the next day at 8 AM, and I closed my two accounts with them. They stated that if I do so, then I will forfeit the 25.00 credit. "That is fine," I replied. "Just get me out of this system of economic slavery." Instead of directly telling a client what the issue might be, it turns out that their present mode of communication is to: 1.) buy time, so that you don't close your account(s), 2.) skirt around the issue, then tell you that maybe what you want will be approved (but we'll definitely call you if it isn't approved, which they never did), and then 3.) fail to deliver whatsoever. The best thing that they ever did for me was to close my accounts. Whew! 7/29/2023 read more

Our experience with Goldman Sachs was abysmal, and we strongly caution anyone considering their services. The poor service provided by Pernille Thuesen was nothing short of frustrating. She was unprofessional, and repeatedly failed to address our concerns or provide any meaningful update. It was clear she lacked both any concern and a sense of urgency, blaming others GS staff for the short coming, which we found uncomfortable. It felt like we were more of an inconvenience than a client. We must mention, Anothny Gutman and Bertie Whitehead who come recommended, offering a competent and efficient service. GS's internal disorganization are glaring issues that should not be overlooked. Even with Anthony Gutman's assistance, the attitude of others in the team made the entire process distressing and unnecessarily complicated. Pernille Thuesen insinuated she receives less than other team members, we are not sure what that has to do with the service we should be receiving. We have attempted to email on the GS complaints email address provided, but GS provided no response. We called to ask for a reply which we were told would be the same week. We called again and the person we spoke to said they now could not find any complaint. Therefore, we are posting this review to make other clients aware. They still have our data so we have not posted all details available. We would strongly advise against using Goldman Sach's services. There are plenty of other financial institutions that offer far superior service and professionalism. Our advice: use another financial institution unless of course you enjoy dealing with an organisation that clearly does not value its clients. read more

After seeing 'Marcus' savings accounts listed on NerdWallet as one of the well rated high APY accounts I made the decision to move my savings from Discover to Goldman Sachs. Biggest. Mistake. Ever. First off, after transferring it over my money wasn't available for 6 days - weird right? And kinda sneaky. Then there was the 1.3 APY, that within 5 days after creating my account and moving my money - was suddenly lower than my Discover APY. Changes to APY can be expected, but in 5 days? This was starting to look lot like bait and switch. When I tried to get ahold of someone about why the APY moved so suddenly, that was what cinched my decision. Their chat was broken and when I tried calling, a 10 minute hold time call later and I just decided to wait the 6 days. 6 days later and their website is down. As in, I can't transfer my money out because they're having "technical difficulties". I called and waited to speak to a live person to get my money the heck out of Goldman Sachs. Which it now seems to be, thankfully. Never, ever, again. read more

I only wish I was able to give less than one star! Goldman Sachs has the worst customer service ever! They have you waiting and waiting and will eventually disconnect the call. Their connection with Apple is horrendous. I have been going back and forth with both Goldman and Apple regarding an unauthorized Apple Music subscription that was being charged to my apple credit card. I reported the dispute to Goldman and instead of Goldman initiating an investigation of their own, they choose to all Apple to investigate and whatever Apple concludes, this is what they accepts, ignoring the fact that your agreement is with Goldman and not Apple and that they should be working on your behalf. Goldman was to provide me with documentation regarding the investigation. I have yet to receive this information, and it was requested three months ago. They are absolutely the worst I have ever seen. Since they are an option, I have chosen to disconnect the apple card from phone so that no charges can be made to it via Apple. I will no longer use the card for any reason. It has been placed out of sight! They are no longer worth my time and effort and I will not support them by using the card. I will rely the many others I have. read more

They do not perform any account reviews. they take any transaction received and process it. Fraud artists.

I changed my password as the system was not accepting the one I had set up, i order to move some funds. Made the transfer and all seemed good. That is, until the transfer was reversed, my account was locked up, and after dealing with long hold times, a disconnected call, an exhausting verification process, and I was about to close my account and have all funds moved to my preset account, they still did not remove the lock on the account. This was to move funds to a preset and verified account where funds have been historically moved numerous times. Overzealous fraud protections, time wasted (80 minutes on the phone), and incompetence. There are other higher rate savings companies out there, stay away from this one. read more

We forgot to use the link to apply for Apple Card. Goldman Sachs provides goodwill credit of $75.00 as courtesy to me not my wife. Use the link or not we are new customers. Why the company made an exception for me and my wife did not get an exception for the promotion regarding Friends can earn $75 Daily Card. I would not recommend Apple Card for others. Apple Card Specialist provides bad customer service and experience to me and my wife. read more

First of all, look at all the BAD reviews below and I am next on the list. This company's customer service is completely UNPROFESSIONAL and RUDE! It takes forever for a payment to be processed then when you call to verify etc you have to deal with rude and unprofessional. This card is going away it's not even a good card. read more

Worst service. My purchase did not go through with Apple Pay. I contact customer support only to get transferred twice so I can speak to Amanda. After 20 minutes of holding Amanda got bored and hung up. Now I call again and again get transferred and wait meanwhile my family is waiting at the store hungry and tired wanting to go home. So I get transferred to another Amanda I believe Amanda freeman who was the most friendliest person. She was very helpful and very polite. Stayed on the phone with me until my issue was resolved. If I can only rate her service it would be a 10 out of 5 but since I'm rating the overall company and the way I was treated I give them a 2. That's being generous. If you ever talk to the Amanda's you will know which one is the polite and knowledgeable one and then there's the other read more

Goldman Sachs handles Apple's high-interest savings accounts. A week ago I ordered the transfer of $10,500 from my Apple savings account to my credit union. It has disappeared. It is no longer listed as an asset in my Apple savings account but it has not appeared in my credit unions's savings account. Goldman Sachs has essentially removed my access to $10,500 of my own money. I will have to report them to the federal government for theft of funds! read more

Terrible customer service. If you have any other options, put your money there. I have worked with a number of financial firms, and this one is the pits. MORE: This experience was with a division of Goldman that calls itself, "Marcus: By Goldman Sachs." But, this business really should be called "Marcus: A Terrible Customer Experience, By Goldman Sachs." The bad experience begins with an automated phone system that seems to be designed to slow down response, rather that actually assist in the customer service process. When we call for services, and we are finally able to get to a live person, we are told different answers to questions, depending on the representative we talk to. We are have been shuffled from one ill-informed representative to another in calls. Their "security" department seem especially weak. It would have been easy to be a fraudster and impersonate the real account holder. So, you might ask, why do we have an account there? Well, Marcus: Terrible Customer Experience by Goldman Sachs, wouldn't let us move the money out when we discovered how bad thing were. The rep told us that we had to wait a week. We marked our calendar, and called after a week had passed. After another round of terrible experiences with two different representatives, we were told that we had to wait up to TWO WEEKS for our funds. What is this, 1819? Do they send the money by Pony Express? We were not told there would be this long of a delay, after we had to wait a week to request the funds. It would be hard for us to foresee, in the future, how we would put our money, anywhere near "Marcus: A Terrible Customer Experience, By Goldman Sachs." read more

apple card over charged my wife's accounts from MY account when it was not authorized. several different charges were made all with different total amounts. Goldman sacs is saying it is fraud. We contacted apple and they told us that neither my wife or I have authorized apple to be billed from the credit card. They refused to remove the over the spending limit from my statement. The bassically told us it is not there problem. This is frustrating as it is litterly called Apple card and the are in a bussiniss partnership. Extramly preditory lending practices. When we asked to just pay the total balance off and close out the card they told us that it could possibly affect the dispute. read more

Opened a CD with Marcus by Goldman Saks on August 12 after calling and chatting with "Travis" who indicated there was NO penalty for early withdrawal except losing accrued interest. Money was transferred into account on August 13. Tried to log-in, couldn't. Called and spoke with Shirley who asked me to "forget password" and reload-in which worked ONCE and then, my account was locked. Called again, speaking with Serena who couldn't help and elevated to supervisor Blake who couldn't help because from her perspective, account was active and unlocked but I was locked out. Eric, a troubleshooter called, immediately blaming the problem on my VPN, Google Chrome, Antivirus software... none of which I use, couldn't believe the problem may be on Marcus , and hung up frustrated! Received a call on 14th from another agent requesting to contact Marcus which I did, speaking with Fili, and asked to close the account since there is NO solution, still locked out of my own account but she informed me that there a 90-day interest penalty! every time I call, there is a slew of security equations which waste my time and every agent, tries to blame my side for Marcus' incompetence. I chose Marcus because of JD Power ranking which now I think might have been purchased by Golman Saks. Louse service and no way out. read more

HORRIBLE company! Do NOT do business with this organization! I canceled my credit card with them over a year ago, and they still have it active and refuse to cancel it. HORRIFIC customer service to boot! Buyer beware! Stay away from this company! read more

I'm 56 yrs old and this is literally the worst bank I've dealt with in my entire life. My mom had a bank account with them, but when she became ill I had to become her POA. Three months of phone calls and multiple hours later, including sending in paperwork that all had to be notarized -- they still hadn't made me POA. Then my mom passed so a whole new process had to start. Again almost three months later, repeated phone calls, and sending in forms and documents that all had to be notarized, they finally agreed to close my mom's account. Every single time I called, I had to go thru this whole process and explain why I was calling - there was no continuity and I never got to speak to the same person. Each time I spoke with a person they had a different way of verifying my identity. Several weeks after my initial phone call, a customer service rep asked me my mom's secret word LOL -- no one had ever asked me that before and this was months into the POA process. I used to dread having to call them. I'd start sweating and feeling anxiety when I knew I could put off yet another phone call no longer. Once I sent in multiple documents and their required forms, but they did not accept ANY of them because my driver's license expiration date was missing from ONE form. So they had me redo every single form I'd already filled out and had notarized, send in new copies of the documents I'd already sent, and get everything notarized once again. Not all, but most of the reps I spoke to were incredibly ignorant and rude. It's like they receive no training at all and very few of them care if they are doing even an adequate job. This bank made my life a living hell for the past six months. I will never have any dealings with Goldman-Sachs and encourage you not to as well. Even if you have an account with them, if something happens to you, they put your beneficiaries through hell before they give up the money that is not theirs. They are greedy want you to give up on the process so they can keep your hard earned money. Worst Bank Ever. read more

Third follow up. They were suppose to look over the hours of conversations on the phone and have a upper manager call. They did call. Not at 8 am as requested. 5 pm. They started off by saying they credited my account. I'm thinking great. I asked how much. 25 dollars was credited already. I said thats not what I was told and started telling the story. Yes I was frustrated now because they were deceptive right out of the gate. He stops be and says if I'm not going to let him talk he can't help me. So I stop. He asked what did they promise you. I told him. He said they wont do that and have a nice evening. Click. Really. They hung up on me. What company does that. They never reviewed the 6.5 hours of conversations like they said they would. They never even looked into it. I was told this was upper management. Its not I called back immediately and explaining what just happened. Now they said they are going to move it up even higher to a upper upper management with a request to review with a phone call back My concern is if a big issue comes up they wont deal with it. You will be left with the mess. I have not used this card in two months. Remember I'm going on over two months of this. Don't be afraid to file with state attorney generals office. They can help in issues like this. Fourth update coming soon Zero stars if I could read more

I am a victim of Goldman Sachs and I never even signed up for a card with them. ATTENTION CAPITAL ONE CREDIT CARD HOLDERS WHO WERE ACQUIRED BY GOLDMAN SACHS- GS acquired GM Capital One Credit Cards in Feb 2022, I am one of those customers. Due to system deficiencies and tech errors in the migration, immediately began adversely impacting credit card holders. They failed to process autopayments and then illegally benefitted by putting late fees on the accounts that weren't late. They intentionally did not process payments so they could add late fees. Then, they then charged trailing interest and compounded the interest to cause more harm. Trailing interest on false late payments. They then assessed interest for purchases never made. Whether this was intentional or a technical issue--it's illegal. Then they began reporting the false late payments to credit bureaus, violating the FCRA. IF you are a victim, file a complaint with the Consumer Financial Protection Bureau AND the New York Attorney General. Also file a complaint with YOUR attorney general. This company is intentionally harming consumers and needs to be investigated and fined. read more

It's the character of an individual that determines their level of professionalism. Those who order food from this company are unappreciative and short change driver gratuity. Maybe drivers should deliver spilled drinks or cold hamburgers for them to share in the feeling of discontent or not being treated fairly. Or, how about just dropping the food off at the front of the building, take a picture and send it saying "having a nice day" will wake them up. read more

Apple Card by Goldman Sachs.. does Not take care of thier customers. I filed a dispute with them, when a resort charged me, even after i cancelled my rsvp ( within time limit for cancellations) apple card, after 6 months, still denied my claim( with proof) intial Low CL, with 720 fico, isnt worth the hassle. Go elsewhere for credit needs. Huge NO for this card- company read more

Unprofessional business practices, useless ... I requested a domestic wire transfer on Friday 10/8 before 1:00 PM PST. Monday 10/11 was a holiday, so the wire transfer should go out first thing Tuesday morning. It hasn't wired yet, 1:00 pm ET. I'm on the phone for an hour to get a written confirmation that they received my order on Friday -- Goldman Sachs refuses to do that -- every other Financial Institution gives you a detailed written confirmation when you place a wire order. Why did Goldman Sachs refuse to give a confirmation that they received the order? I explained to them I needed it to show to the escrow that I did what I was supposed to do and that their actions are jeopardizing the closing of my escrow -- no receipt/no record keeping -- "we don't do that" !!! read more

This is my first time dealing with Goldman Sachs. The service is horrible. They can't do the basics that other institutions do with ease and worse they don't care enough to try to figure out how to do things. A financial institution is different than another institution - someone mishandling your money cause much bigger problems than other places - e.g. misidentifying people/misplaced money/payments lost/etc. is much worse than finding a rotten piece of produce when you get home from the grocery store. I have been with financial institutions that do a great job and all the information is provided in a timely manner with good attitudes and when the rare error happens they reward you for finding the problem in their software. I have been with (and listened to friends talk about) financial institutions that takes out two mortgage payments (automated withdrawal from checking), can't get loan paperwork out to you for you can make payments (takes months), and confirms a cash deposit was credited to your account then 2 days later "looses" it. Goldman Sach's is one of the worst. Not only is their processes poor and don't work, but they don't even care to try and figure things out - I have never met a financial institution that didn't at least make a little effort to figure things out and correct them. You can see by the other reviews that my experience is not unusual. Luckily for me this happened when opening up accounts and not after I had already set up accounts with them. I strongly suggest finding another financial institution to work with. If a financial institute is this bad when they are trying to gain a new customer, they will be much worse once you are a customer (confirmed by the other reviews). read more

I have had multiple CDs with Marcus. Varying rates, maturities, etc. I find interacting with them very frustrating. First- at maturity the default is to roll your CD back into the same term account as it is pre-maturity. Often, rates and terms are very different at that point and you might want to change it. Used to have to call them (and go thru all the menus and recordings etc). Now you can set it up online. But beware-- if you choose and specify maturity instructions before the maturity date, those instructions will be set in stone. You cannot use the 10 day grace period (which they mention several places as an easy fix) under those circumstances. So if, for instance, at midnight the day before your CD matures, you pick a 2 year maturity that shows a 2.5% interest rate, but the rate changes the next morning, you get whatever the new rate is with no recourse. Nothing is locked in when you select your maturity, rate-wise: just the term. The ten day grace period to change your instructions is actually a ten day grace period to modify your failure to provide instructions, because it only applies if you have not responded to their "Hey, your CD is maturing soon" email. If, looking at rates and terms, you pick one, that is what you get. As I said above, it doesn't matter that the rates and terms may be wildly different by the time your maturity date arrives, and you cannot do anything about it (fine print). The "best" thing to do at maturity is to wait and see what happens on that day, and then change it if you have a different preference. But don't forget... and they don't remind you. So stay on top of it, or things may be done with your money that you do not want. read more

This company totally disregarded what I said, and what my needs were. They had their own agenda, and just went ahead with what they wanted, regardless of what I said. Don't invest with them. read more

Never use Marcus Goldman Sachs! My account apparently was set to automatically renew the CD. I went from a 2.5% savings to an automatically renewed 1.10%. This was just renewed in the midst of COVID-19 when I am really in need of my money. I was looking forward to the CD mature date as it has been over a year that my money has been locked there. After calling and explaining my situation to Hayden he just said hes sorry and that I should have known to cancel the CD. He was absolutely no help at all. VioBank and CitiBank are currently offering better rates and much more trustworthy. I took my money out for a $100 penalty, just 10 days after they automatically renewed my CD at a horrible rate during a global pandemic. read more

Don't Do it!!! Don't open a credit card with Goldman Sachs, as they will illegally force you to keep it open! I like a lot of people was super excited when Goldman Sachs & Apple partnered! I recently made a purchase for a MacBook Air & AirPods, but had to return it another color because the gold is really pink, and I just couldn't handle the level of pink. My installment plan for the mac book air was closed out no problem. BUT the air pods were not fully returned, instead I was issued a "account credit" and my installment plan was left open. When I called in, of the 17 (yeup 17!) people at GS & the 62 (YES 62!!) people I spoke to at Apple, no one could figure out how to help me. Fast forward, 3 and a half months later, I am being forced AGAINST my wishes to keep my account open. All is want to pay off my card, and I have the funds available in my bank account, and I am being told I cannot. I was told I can close out my account and in a few months once the installment plan has transferred my positive credit over it will close. THAT IS NOT CLOSING AN ACCOUNT! There is no human who would let transactions occur on a closed account without an ability to see or track this. THIS IS SHADY! My Goal is to close my GS credit card, and I'm being told I cannot for another few months, despite the fact that I have the funds to pay this $108.48 off. I want to close my credit card and I am being denied that right from GS. I am not allowed to transfer the positive balance out of my account, or make any early payments to bring my account to $0. I literally tried paying 1cent and it would not allow me to. The employee Andrew #750031499 was rude! And the supervisor I spoke to on 12/26/2020 named Tamiyah #TAGATA were more than disrespectful. Overall the GS customer service is atrocious and GS should be ashamed of how these 2 treat people. GS is full of liars and rude individuals. I am appalled at how rude the staff is! They do everything in their power to block escalations, and do not listen to what the customer is asking. Bottom line, GS is ILLEGALLY forcing me to keep a balance, and to keep my credit card open against my wishes. I have been trying for 3 months to pay off my credit card, and I have the funds to do so, but GS will not allow me to. Don't do business with Goldman Sachs, unless you want to be forced to keep a credit card open with them, against your wishes! They won't allow you to close it out!!!! GS feel free to reach out to me if you decide to come around and let me close the account. my card ends in 0618. You have my permission to look up my account and call me if you have a remedy. read more