Consumer complaint received 2023-03-24
Company: GOLDMAN SACHS BANK USA
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I need to set the record straight, sorry CFPB but I can not let this Bank take advantage of any other customers. They are doing corrupt business practices and they need to be investigated. 

1. First of all there were 13 {$1000.00} charges and I will attach them. 
2. They were all fraudulent charges even though in their response to my first complaint they stated they found no proof of fraud. The reason why they are saying that is because they are tied in with Stripe and have an agreement with them that if fraud is reported it falls back on the bank. Stripe is also tied in with XXXX XXXX which is based in XXXX one of the most corrupt countrys in the world. I will send you proof of that. The merchants evidence came from XXXX. I have chats from their specialist stating they were all reported as fraud and I will enclose those chats. 
3. Goldman Sachs says there were 74 disputes. If you add up all the disputes that I won it comes to 83. This is calculated from the numbers they gave in their response to my previous dispute. They say 10 were duplicates and was reversed in my favor. Then there were 29 disputes that were resolved incorrectly and they were reversed in my favor. They stated that I reopened 57 transactions in XX/XX/2023 through XX/XX/2023 and thats a lie. There were only 5 reopened in that time frame and I will send them. Out of those 57 disputes they state that 44 of them were resolved incorrectly and were resolved in my favor. Thats a total of 83 disputes in my favor. This is a bank and they cant add? They state there are 13 disputes left that they are investigating. That brings the total of 96 disputes total. There are only 5 outstanding and 4 of them is for XXXX and XXXX for XXXX. This is a bank and we are suppose to trust them with our money! My account has a XXXX balance and I had already payed those charges for XXXX before the disputes were even made. I have proof. I made a XXXX payment in XXXX. 
4. They stated in their response that the Bank confirmed the credit reporting is correct and accurate, another lie. 
5. I received this morning from Apple Card notifications of dispute adjustments to my account and I will send them XX/XX/2023. These were resolved in XXXX and they are just now crediting my account. There are still XXXX more {$1000.00} to be credited to my account. The reason they did not credit my account when they were processed is because it would have made my line of credit to have a plus of {$10000.00} or more. They would have to give that money back to me. That is why they closed my account. 
6. All these disputes are fraudulent and they know it. I never gave XXXX XXXX my account number, CVV number, PIN number, I do not use the fingerprint ID or Face ID. I did not authorize any of these transactions. The XXXX address that XXXX XXXX provided as evidence is not mine. 

I do not tolerate corrupt activity and do not want this to happen to anyone else, but have to think with all the complaints I have read on XXXX I have to think they have done this before and I am not the first, They have blocked me from accessing my account so I will not receive my monthly statement. This has really made me mad and they need to be investigated.

Company response to consumer: Closed with explanation