Consumer complaint received 2019-10-31
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Dear Consumer Financial Protection Bureau, CFPB : Goldman Sachs ( APPLECARD ) is allowing merchants ( with  DEFECTIVE SERVICES, DEFECTIVE PRODUCTS, AND MISLEADING ADVERTISEMENT ) defraud cardholders. On XX/XX/XXXX ( SATURDAY ),  I made a payment to hold a quote from XXXX XXXX XXXX XXXX XXXX XXXX  in the amount of {$990.00}. I have since CANCELLED, ( First Cancellation of Tentative policy XXXX, effective date XX/XX/XXXX, XX/XX/XXXX-tuesday, was XX/XX/XXXX, XXXXsaturday and I received a refund of {$320.00} to different form of payment for a prior payment of {$320.00} made on XXXX XXXX-tuesday ) occurred on XX/XX/XXXX, I re-cancelled the tentative policy due to suspicious unauthorized activity on MY XX/XX/XXXX. XXXX made a partial refund in the amount of {$670.00} of {$990.00}, and they are refusing to issue the remaining {$320.00}. On XX/XX/XXXX ( MONDAY ), XXXX XXXX XXXX XXXX fraudulently charged me {$180.00} ( begging for money upfront before any services ) for routineXX/XX/XXXX, denied me access to XX/XX/XXXX, and unnecessarily exposed me to XX/XX/XXXX ( not sure my last XX/XX/XXXX XX/XX/XXXX ), and then rendered DEFECTIVE SERVICES. I have requested a REFUND FOR {$180.00}. On XX/XX/XXXX ( WEDNESDAY ), XXXX XXXX XXXX XXXX defrauded me out of {$140.00} ( {$99.00}, {$50.00} ) for an 8-week XXXX XXXX XXXX, they cajoled me to their office ( begging for money upfront ) and then denied me the XXXX XXXX, refused me the 8 week XXXX XX/XX/XXXX, tried to force A HIGH-FAT PIG DIET ON ME, and ill-advised I exercise no more than 30 minute daily for 4 days. On XX/XX/XXXX ( SATURDAY ), XX/XX/XXXX allowed AN UNAUTHORIZED PAYMENT IN THE AMOUNT OF {$2100.00} WITHOUT MY PERMISSION OR KNOWLEDGE. The attempted theft resulted in them trying to steal {$2100.00} from my other bank account. The payment transaction REJECTED and I was assessed a {$37.00} return XXXX FEE. On XXXX XXXX XXXX stole {$15.00} from my VISA PREPAID DEBIT CARD FOR A TRANSACTIONS I DID NOT GRANT THEM PERMISSION TO CHARGE TO THAT FORM OFPAYMENT. XXXX XXXX refuses to refund a purchase made inadvertently resulting from an XXXX technical difficulty issue, refund amounts to {$1.00}. XXXX XXXX OWES ME {$3200.00} for a defective XX/XX/XXXXproduct DROP OFF, they have refused to issue the REFUND DESPITE BEING WITHIN POLICY AND TERMS OF APPLE REFUND/REPLACEMENT POLICY THROUG XXXX. All transactions eligible for CHARGEBACK have been  requested, and XXXX XXXX refuses to adhere to Regulation Z, Truth in lending, and the Fair Credit Billing Act of 1975.  Goldman Sachs is acting as if THE FEDERAL GOVERNMENT CAN'T TOUCH OR REGULATE THEIR FRAUDULENT ACTIVITY, AND I REQUIRE ASSISTANCE FROM THE FEDERAL GOVERNMENT BECAUSE THE PROVISIONAL CREDITS ISSUED ONTO MY XXXX   ARE NOT BEING MADE AVAILABLE FUNDS FOR MY USAGE WHILE THEY CONDUCT THEIR REDUNDANT XXXX INVESTIGATIONS. MOST IMPORTANT THEY HAVE TO START THE CHARGEBACKS. XXXX OWES ME A TOTAL OF $ {$3900.00}. Sincerely and Respectfully, XXXX XXXX XXXX, Phone : XXXX, Email : XXXX.

Company response to consumer: Closed with monetary relief