Apple Card
Card complaint rating · Based on federal CFPB data
Who actually runs this card
Apple Card is issued by GOLDMAN SACHS BANK USA
Apple handles the shopping experience. GOLDMAN SACHS BANK USA handles everything else — billing, interest, credit reporting, and customer complaints. When something goes wrong with your Apple Card, you are dealing with GOLDMAN SACHS BANK USA, not Apple.
See full GOLDMAN SACHS BANK USA complaint rating →GOLDMAN SACHS BANK USA performs well by the measures that matter most — how often customers needed to complain, and how often those complaints were resolved.
Only 1 in 3,067 customers needed to complain officially
This is one of the lowest complaint rates in this dataset. The vast majority of customers never reached the point of needing to file an official complaint.
Better than 75% of all rated US banks
This places the institution firmly among the better performers in this dataset, based on complaint volume normalised by customer base.
1.5× better than the median rated institution
Not marginally below average — meaningfully better. The median institution generates significantly more complaints per customer.
Auto Loans — 0.00 complaints per 1,000 customers
Customers here report fewer payment disputes and more straightforward loan management than at higher-rated institutions.
A note on accuracy: this institution's customer base is estimated from deposit data rather than directly measured. The complaints are real federal filings. The rate per customer carries some uncertainty — treat it as a strong directional signal.
All figures from the CFPB Consumer Complaint Database and FDIC BankFind — US federal public records.
✔ GOLDMAN SACHS BANK USA ranks among the lowest complaint rates in America
GOLDMAN SACHS BANK USA has a federal complaint rate of 0.33/1,000 customers — well below the industry average. If you found this page from a high-complaint-rate bank, switching takes about 2 hours of active effort spread across 10 days. See our step-by-step guide →
Open a Marcus account →What People Complain About
The most common complaint categories filed against GOLDMAN SACHS BANK USA with the CFPB — which handles your Apple Card:
This page shows complaint data for GOLDMAN SACHS BANK USA, the issuing institution behind the Apple Card. All data is sourced from the CFPB public complaint database and FDIC BankFind — US federal public records. See the full GOLDMAN SACHS BANK USA institution page →