Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Goldman Sachs regarding a credit card dispute that has been unresolved for over a year. My case number with Goldman Sachs is XXXX, and the disputed amount is {$920.00}. Despite providing substantial evidence, my claim continues to be unjustly denied. 

# # # Summary of the Issue **Dispute Background : ** - I made a purchase with XXXX XXXX XXXX using my Apple Card issued by Goldman Sachs XXXX 
- The transaction has been contested due to fraudulent activity and failure on XXXX ' part to fulfill their obligations. 

**Efforts to Resolve : ** - I have submitted extensive evidence including transaction records, communication with XXXX XXXX and a complaint filed with the XXXX XXXX XXXX XXXX XXXX XXXX 
- Despite these efforts, XXXX provided irrelevant rebuttal documents, and Goldman Sachs has consistently failed to resolve the dispute in my favor. 

# # # Concerns with Goldman Sachs **Reputation and Handling of Disputes : ** - Goldman Sachs has garnered numerous complaints for their inadequate handling of credit card disputes. Their minimal efforts to resolve disputes and lack of communication with customers are well-documented. 
- This prolonged process, where I have repeatedly been assured of a resolution by supervisors, only to be denied again, indicates a systemic failure in their dispute resolution process. 

**Legal and Regulatory Violations : ** - The Fair Credit Billing Act ( FCBA ) mandates that credit card issuers must investigate and resolve billing disputes in a timely manner. Goldman Sachs has clearly violated these provisions by dragging this dispute out for over a year without a fair resolution. 
- The vendors failure to provide relevant evidence while Goldman Sachs continues to deny my claim raises serious questions about their compliance with consumer protection laws. 

**Impact on Me as a Consumer : ** - I have been scammed out of my money and my time. I have invested countless hours gathering evidence and speaking to numerous representatives, all to no avail. 
- The emotional and mental toll of this unresolved dispute has been significant. I signed up for the Apple Card, backed by Goldman Sachs, expecting a certain level of protection and support, which has been utterly lacking. 

# # # Concerns with XXXX XXXX XXXX **Vendor 's Fraudulent Activities : ** - XXXX XXXX XXXX has a history of similar complaints, as evidenced by numerous unresolved cases filed with the XXXX They are in substantial debt and have repeatedly failed to fulfill orders for both customers and vendors. 
- Their rebuttal to my dispute was irrelevant and did not address the core issues, yet Goldman Sachs continues to side with them. 

# # # Request for CFPB Intervention I am urgently requesting the CFPB to investigate the handling of my dispute by Goldman Sachs and the fraudulent activities of XXXX XXXX XXXX. I believe both companies have violated consumer protection laws and failed to uphold their obligations to me as a customer. Specifically, I request that the CFPB : 1. **Investigate Goldman Sachs ' dispute resolution practices** and their compliance with the Fair Credit Billing Act. 
2. **Hold XXXX XXXX XXXX accountable** for their fraudulent practices and failure to address legitimate customer complaints. 
3. **Ensure that my dispute is resolved fairly and promptly**, with a refund issued for the disputed amount of {$920.00}. 
4. Provide compensation for the year of stress, lost time, and energy** spent dealing with this issue, given the significant emotional and mental toll it has taken on me. 

Thank you for your attention to this matter. I am hopeful that the CFPB 's intervention will bring about a fair resolution and prevent other consumers from experiencing similar injustices. 

Sincerely, XXXX