Consumer complaint received 2023-04-30
Company: GOLDMAN SACHS BANK USA
State: ME
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:
So, this began in XXXX. I got an Apple Card as a back up. I maybe had XXXX dollars total charges on it the year and a half I had it before I stopped making payments from the ridiculous lack of any fraud protection and continuous fraudulent charges. For two years, I tried to get this resolved. I would always have to start over at stage one as Goldman Sachs would either not keep records, or when the person who could finally help me was to call me, they literally would not every single time, and Id finally get a call from someone who had apparently no idea of the 11-12 previous times at the end I had proven these charges fraudulent and awaited resolution. ONE TIME, they finally reversed all those charges. I happily paid. BUT THEN, despite these fraudulent charges coming from websites or states I had never visited, for example Goldman Sachs claimed my physical card was used in Texas while I was in Florida, and I would give them all the evidence, and eventually after the two hour grueling irritating runaround that they had set up as on the internet you can see this was clearly a business practice of theirs, theyd tell me theyd be able to help, and then either never return a call, have someone call without any idea of the past discussion and start over, or try to claim the charges were valid. As a soon to be lawyer at the time, in XXXX, I finally sent them the federal statute saying no one can be liable for more than {$50.00} in fraudulent charges. Told them I would report them. Then sue. Then I passed the bar and life got crazy. However, it just turned up again, as they know I dont owe the money hence why no collection is present, as when they tried to I put my foot down and explained how many fines and damages theyd be looking at if the forced me to sue, and that the tens of thousands of dollars theyd have to pay to defend compared to the hours of my life and court filing fees as they clearly were engaging in unlawful and deceptive business practices to avoid taking accountability that DESPITE REQUESTING THEY CHANGE MY CARD # THREE TIMES, THE REASON THE FRAUD PERSISTED WAS THEYD ONLY CHANGE THE PHYSICAL CARD #, AND I TOLD THEM EACH TIME CHANGE BOTH BUT THE DIGITAL NUMBER WAS COMPROMISED AND THEY EVEN PERMITTED FRAUDULENT CHARGES FROM VENDORS I HAD ALREADY SOMETIMES THREE TIMES PRIOR ALERTED THEM TO. Now, they have a status on my card as revoked. It doesnt look good to the bar, worst of all, it was not revoked. I paid as long as I could but finally when two years went by and I was paying off fraudulent charges and interest, I just couldnt and shouldnt and legally am not obligated to. They breached the contract, failed to provide fraud protection, failed to make proper good faith investigation into such, failed to provide any proof to their findings for either claiming the charges were valid, or when one time I finally thought I had at long last gotten justice, all charges were reversed, until two weeks later, somehow they magically became valid and were put back on. I am having my financial reputation, and my financial and credit score-based interests harmed by this practice that a simple XXXX search will show they have been deliberately doing and already sued over many times since before I even got my card. I kept telling them I want to pay what I owe but why would I pay statements that were, at the end 95-100 % principle and interest of fraud. I frankly wish to have an Apple Card again so I dont mind compromising but a compromise after all they put me through is paying the I believe {$500.00} left that are valid charges. Telling and demonstrative of their blatantly illegal and unlawful business practices is that magically a year ago they claimed I owed {$5700.00}, yet rather than increase it as would a legit debt, right now they say I owe {$3000.00} roughly, because just like the collection, they seem to be quite aware that they cant get away with everything but clearly are trying to manipulate and frustrate attempts to gain proper resolution in order to save a few dollars themselves despite contractually being obligated to have protected my information and indemnified or covered me for fraud charges, especially when three times I ask them to change the number and the say yes but dont change the compromised digital number. Anyway, the collection being dropped, the balance dropping, THE FACT THAT EVERY TIME I AM SUPPOSED TO FINALLY GET A CALL FROM SOMEONE WHO EVEN HAS THE AUTHORITY TO REMOVE THE CHARGES, as it takes three phone calls and the runaround to get even an appointment with them in disputing which is absurd, they NEVER CALL. And whenever I get a call, despite all calls being recorded and documented they claim, for some reason its another basic level customer representative without any idea of my situation that there must be 50-100 hours of recorded phone calls on and more notes. Eventually I had to give up trying it was wasting too much time, and am just reporting it now as frankly Ive been so busy it didnt come up till I was asked about a revoked credit card. That also is a violation of the Fair credit reporting act and fair financial reporting statutes. They are doing this to so many people I can not believe how many have had my experience, reading articles and peoples posts about it and XXXX  complaints, being successfully sued as I am about to possibly engage in again so many times and not even trying to defend it but settling for everything plaintiffs are asking for yet somehow someway the CFPB to my knowledge has not done anything. They need to be reminded of all the federal statutory considerations mentioned above and theyre need to adhere to their contractual obligations. It simply violates numerous consumer protection and fair credit reporting laws every day they continue to claim my card is revoked and I owe any more than {$500.00}, which frankly is more than I owe, but I simply want to get this nonsense over with and calling them is literally futile theyve designed their corporate runaround to ensure that. Please help me finally get this resolved because XXXX cant believe how many times I was supposed to get a call back from them to finalize it and did not. It is disgusting.

Company response to consumer: Closed with monetary relief