Consumer complaint received 2023-05-04
Company: GOLDMAN SACHS BANK USA
State: NM
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
This is my third time opening a complaint via CFPB about the same problem : Goldman Sachs Bank continues to claim I owe additional money to them on an XXXX XXXX XXXX. I purchased an XXXX XXXX XXXX from XXXX in XXXX, XXXX via the XXXX website. I was offered 0 % financing on the XXXX XXXX at a purchase price of {$990.00}. The financing agreement was for XXXX payments at either {$82.00} or {$83.00} with tax. I have already provided Goldman Sachs with records of the payments I made, starting in XXXX, XXXX. I provided them with a list of all the payments I made via my bank in XXXX XXXX, totaling the purchase price of {$990.00}, in an Email dated XX/XX/XXXX. Goldman Sachs has not been forthcoming and has not acted in good faith in attempting to resolve this problem. They contacted my bank without informing or asking me about doing this. In every way, they have acted aggressively rather than in good faith. 

Instead, Goldman Sachs has apparently applied some of my payments on the XXXX XXXX to other items in the XXXX XXXX app. Items like my XXXX storage ( memory ) and XXXX XXXX are deducted directly from my bank account ; so my payments to Goldman Sachs should not be used to pay for such XXXX related expenses. Yet Goldman Sachs continues to harass me, claiming I owe additional money to them. At first their demands were for something like {$64.00}, then grew to {$140.00}, and now Goldman Sachs demands that I pay an additional {$140.00}. Despite having had open complaints filed with CFPB, Goldman has not acted in good faith. Instead, they are reporting me to credit reporting agencies, contacting my bank, and they recently have threatened me with court costs, attorney fees, and billing me for the hourly wages of attorneys or collection agencies fees. 

I am afraid that, even if I pay Goldman Sachs the newest demand, for {$140.00}, they will continue to harass me and fabricate new charges and fees they claim I owe them. They say to contact an Apple Card Specialist, which I have done at least a dozen times. Each time it is like starting from scratch, because the Apple Card Specialists have explained to me that no records are kept of what was discussed or agreed to on the phone calls. I also shall go to my bank to verify that my records from my monthly statements are correct. 

Under threat of legal retaliation, attorney fees, and billing for hourly wages, I feel coerced into paying Goldman Sachs to avoid such punishments for objecting to their outrageous, unprofessional behavior related to this small amount of money. I have never defaulted on a loan or missed payments on a loan for a car or a home ; why would I default on a loan for a computer? Yet I feel blackmailed into paying their demands to avoid owing whatever they may claim I owe. I shall pay the {$140.00} only if Goldman Sachs guarantees that, once I have paid that amount, they will cease and desist adding new charges that I supposedly owe. I shall never again finance an XXXX product or anything else through Goldman Sachs.

Company response to consumer: Closed with explanation