Consumer complaint received 2023-06-26
Company: GOLDMAN SACHS BANK USA
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Lets begin with me requesting Goldman Sachs to take the 5 disputes remaining from my closed account to arbitration months ago with Mastercard. 1 ) According to the FTC it is illegal to close a customers account if there is still open disputes, but they did. 2 ) After 2 re-disputes of a transaction it should go to Mastercard Arbitration per Mastercard policy. Well some of these disputes have been re-disputed 4 or 5 times. 3 ) This mess has been going on since XX/XX/XXXX which all the disputes were disputed in XXXX of XXXX. There were 8 disputed on XX/XX/XXXX, XXXX disputed on XX/XX/XXXX and on XX/XX/XXXX there were 44 transactions disputed. That is a total of 75 disputes and that is all I have disputed. So where they are getting all their numbers is beyond me. I have receipts for them all and have had 75 ruled in my favor and have proof of that, so dont know where these 5 disputes remaining came from, because I have not disputed any since XX/XX/XXXX, 4 ) As far as I am concerned this ACCOUNT IS TOTALLY CLOSED. 5 ) Are they adding disputes to get more money from me? They still owe me for the 13 disputes for {$1000.00} that they never credited my account. 6 ) On XX/XX/XXXX I received a phone call from Goldman Sachs regarding needing evidence for the remaining disputes. I told them they had to send me an email so I could send the evidence but after waiting all day I never received it, so I notified them per chat and was able to send the evidence through chat. The next morning I received an email from them ruling the disputes not in my favor so I re-disputed them. There is no way they had time to investigate the evidence, They were harassing me. 6 ) Today XX/XX/XXXX I received an email from them requesting more evidence for the re-disputed transactions and I resent all he evidence which is the same as I sent for the last 75 that have been ruled in my favor. I dont know why I have to keep sending the same evidence if they already have it. 7 ) This is total fraud and they have stated the merchant had contact with me and I authorized these transactions and that is a complete lie, I did not authorize any of the disputes that I have disputed. I have the merchants evidence and Goldman Sachs authorized all the disputed transactions by a name and address. There is no evidence of a charge card number, CVV number, password, or PIN number. I dont use Face ID or fingerprint ID and the IP address belongs to someone in XXXX XXXX over 400 miles away from where I live, I have proof of that. So it was not my device that was making the transactions so you need to do more investigating which you seem not know how to do. I had to investigate myself from the merchants evidence. That IP address on their evidence is NOT mine so it could not have been me making the purchases. 8 ) Your not getting another dime from me, you have stole all your going to get. You still owe me over 10 grand. 9 ) You are corrupt and cant be trusted!

Company response to consumer: Closed with explanation