Credit cards
Goldman Sachs Bank (Apple Card): what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 771
- Closed with money back
- 16%
- 2023 to 2025
- 216 to 284
Servicemembers filed 6% of Goldman Sachs Bank (Apple Card)'s 12,904 complaints in the window, against 2.5% across the directory. The complaints are mostly about credit card, and the single most common issue is "Problem with a purchase shown on your statement". 16% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 216 in 2023 to 284 in 2025.
What the complaints are about
By product
| Credit card | 349 |
| Credit reporting or other personal consumer reports | 142 |
| Checking or savings account | 114 |
| Credit card or prepaid card | 68 |
| Credit reporting, credit repair services, or other personal consumer reports | 41 |
By issue
| Problem with a purchase shown on your statement | 181 |
| Incorrect information on your report | 119 |
| Managing an account | 76 |
| Other features, terms, or problems | 49 |
| Fees or interest | 47 |
| 2023: 216 | 2024: 271 | 2025: 284 |
Which accounts, specifically
| General-purpose credit card or charge card | 485 |
| Credit reporting | 196 |
| Savings account | 126 |
| CD (Certificate of Deposit) | 48 |
| Credit card debt | 31 |
What went wrong, specifically
| Credit card company isn't resolving a dispute about a purchase on your statement | 164 |
| Deposits and withdrawals | 54 |
| Card was charged for something you did not purchase with the card | 51 |
| Account status incorrect | 45 |
| Information belongs to someone else | 44 |
Busiest month: January 2025, with 40 servicemember complaints. Most were submitted by web.
Most complaints came from CA (79), TX (76), FL (74) , then VA, GA, NC.
How Goldman Sachs Bank (Apple Card) answered
| Closed with explanation | 523 | 68% |
| Closed with monetary relief | 126 | 16% |
| Closed with non-monetary relief | 122 | 16% |
Goldman Sachs Bank (Apple Card) responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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""
Credit reporting or other personal consumer reports; Improper use of your report. TN, 2024-09-02. Outcome: Closed with non-monetary relief. Complaint 9994194
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Credit card; Fees or interest. MA, 2024-09-02. Outcome: Closed with monetary relief. Complaint 9993835
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Checking or savings account; Managing an account. CO, 2024-08-29. Outcome: Closed with explanation. Complaint 9956375
If this is your problem at Goldman Sachs Bank (Apple Card)
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with credit cards peers
- Barclays Bank Delaware 677 servicemember complaints; 7% with money back
- Clgf Holdco 1 510 servicemember complaints; 6% with money back
- Bread Financial 1,318 servicemember complaints; 24% with money back
- American Express 1,786 servicemember complaints; 19% with money back
- Atlanticus Services 311 servicemember complaints; 26% with money back
Next in the directory by volume: Affirm, Transworld Systems, Ccs Financial Services.
Frequently asked questions
How many complaints did servicemembers file against Goldman Sachs Bank (Apple Card)?
771 complaints tagged servicemember were received by the CFPB about GOLDMAN SACHS BANK USA between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 216 in 2023 to 284 in 2025.
What do servicemembers complain about most at Goldman Sachs Bank (Apple Card)?
Credit card accounts for 349 of the 771 complaints, and the most common issue is "Problem with a purchase shown on your statement" (181). Next: "Incorrect information on your report" (119).
Does Goldman Sachs Bank (Apple Card) give money back when a servicemember complains?
16% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 122 closed with non-monetary relief and 523 closed with an explanation only. Goldman Sachs Bank (Apple Card) answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.