Consumer complaint received 2023-04-01
Company: GOLDMAN SACHS BANK USA
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
I am writing this letter in response to a dispute raised by me for a fraud transaction with issue control number # XXXX  with the amount of {$920.00}. This transaction occurred on XX/XX/XXXX. I realized that this transaction was fraud as soon as I got a notification on my iOS device about the amount charged from the wallet app. I quickly reported this issue to XXXX XXXX who is the merchant for this transaction. As a result, they created a case ID ( XXXXX ) for this dispute. I immediately made sure to change my account password so the fraudster would not be able to perform more transactions. I also raised this dispute with Apple Card ( Goldman Sachs ) so that I will not be liable for the amount that I did not authorize. Unfortunately, the dispute was not resolved in my favor most likely because of lack of sufficient evidence. During the last dispute which was resolved against my favor, I received the chargeback dispute letter by the merchant incorrectly showing that I authorized this transaction. On the same letter, under complementary transaction information section, it is listed that I used an Android device with a device number XXXX for this transaction. Please take note of the fact that, this dispute was raised on an Apple Credit Card for which requires an iOS device. I do not own or operate any Android device since the year XXXX and the fact that I use an iOS device can be confirmed through Apple. 
I believe the fraudster used an Android device to gain access to my XXXX XXXX account through the password which was compromised through other data breaches. Since XXXX XXXX does not require a two-factor authentication and my credit card details were saved and store on my account by XXXX XXXX , the fraudster was able to successfully process the transaction without my authorization. The fraudster made multiple attempts to use my saved card details but the transaction was rejected every time except this one. XXXX XXXX as a money exchange service failed to notify me about the suspicious transactions.hese transfer details documents, please focus your attention on the delivery method section ; even though my name appears under receivers, the account listed under delivery method varies on each attempted transactions and does not belong to me. Also, I am attaching another transfer details which I have authorized in the past with MTCN tracking number - XXXX XXXX XXXX, please refer to the delivery method section which mentions the bank and account details which really belong to me. 
Since XXXX XXXX is a currency transfer/exchange agency and I have been in the business with them since a few years, I request that the merchant provides the bank account details of the receiving account and see if the details match with my name and identity. 
I kindly request you to look into this issue and my supporting documents since I am firm that this transaction was not authorized by me which may potentially affect my credit score for none of my fault.

Company response to consumer: Closed with explanation