Consumer complaint received 2022-05-30
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear CFPB, This message is in regards to complaints CFPB XXXX and CFPB XXXX XXXX, which were closed without the opportunity for me to respond. Unfortunately, the CFPB has once again allowed Goldman Sachs to make false statements to the CFPB in responding to this matter. 

Firstly, there is disagreement regarding the account balance and Goldman 's false reporting of my account being in debt. In Goldman 's response to XXXX, they say that " The Bank confirmed the credit reporting was correct and accurate, the Bank is obligated to report accurately to credit reporting agencies '' and yet Goldman chose to, after now five public complaints, on " XX/XX/2022, the Bank placed a stop payment on the outstanding credit balance refund check. '' Note that Goldman has done this several months after I had contacted them -- as explicitly documented in CFPB XXXX -- informing Goldman of the non-receipt of the check, and I had indicated the non-receipt prior to their false claim of debt. Goldman therefore stopped payment with full knowledge that their prior debt reporting was not only inaccurate but wrongful and contested in public. 

CFPB, Goldman 's statement that " The Bank confirmed the credit reporting was correct and accurate '' is demonstrably false, as provided by their own admission -- indeed, Goldman knowingly. I request the CFPB hold Goldman liable for wire fraud and XXXX XXXX ; if CFPB does not do so I reserve the right to pursue Goldman for these liabilities. In particular, I request that all those at Goldman who were involved in phone calls and drafting the written response to the CFPB to be personally investigated for possible wire fraud. 

Secondly, there is still disagreement regarding the disputed charge in the amount of {$250.00} as referenced in CFPB XXXX and CFPB XXXX XXXX, and XXXX  claims XXXX, XXXX, and XXXX. The FCBA requires that Goldman remedy the disputed charge in 90 days, and to include a reason for their decision. In Goldman 's response in CFPB XXXX, they claim they provided this response on XX/XX/2022 -- nearly 8 months after the charge and over 6 months after the charge was first disputed. 

Please see attached the emails Goldman claims to have sent on XX/XX/2022. These emails show that Goldman 's claim of providing the FCBA-required response was : * NOT within 90 day required period, as dictated by FCBA law XXXX * NOT truthful -- in these emails, Goldman asks for more evidence, contradicting their assertion that they closed the case using adequate evidence. * NOT substantive -- Goldman claims they confirmed a charge was made ( i.e. I entered my credit card into a point-of-sale, which I did ), but they do not indicate having evidence to dispute my claim that the merchant rendered unrequested services ( i.e. interior smell modification, which was not requested and damaged my vehicle ). 

Since Goldman has, through their own admission, clearly defied both the timeliness and substantiveness requirements of the FCBA dispute process, I hereby request an immediate and total refund of the {$250.00} disputed amount. 
Additionally, the mountain of evidence through now 1 year of exchanges with Goldman have cost me much lost time and shown a substantive pattern of Goldman failing to comply with the XXXX as well as knowingly making false statements to the credit bureaus, the CFPB, and the XXXX. I request the CFPB investigate Goldman for XXXX XXXX regarding this matter. Goldman has already been investigated for gender discrimination with regards to handling Apple Card applications and the evidence seen in this case provides that Goldman is once again wronging consumers. 

Goldman Apple Card is not safe for consumers. I have worked with several other card companies with chargebacks and I have never faced such lies and stonewalling. Goldman 's behavior is unabashedly in favor of their own profits and against the common good.

Company response to consumer: Closed with explanation