Consumer complaint received 2023-03-20
Company: GOLDMAN SACHS BANK USA
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX I had disputed a charge for a rental house on my Apple/Goldman Sachs cc . I had spoke to multiple reps while the situation was happening and followed their guidance. The rental agency was threatening to call the police so I had to release the dispute then refile after we had checked out per the advice of Apple/GS. The dispute was ultimately ruled in favor of the rental house ( property management ) even though I sent photos of someone else 's dirty clothes, rats, broken A/C and broken elevator etc. At that time, I made the decision that I no longer wanted to do business with Apple/GS and paid the account balance IN FULL and closed the account. This past XXXX XX/XX/XXXX, I got a letter in the mail from A/GS stating that they decided on multiple disputes incorrectly and would be re-opening them to adjust the rulings. I DID NOT initiate this contact, they did. I called into A/GS and the rep I talked to had no idea about the letter or knowledge of the fact that they as a company were reevaluating closed disputes. My account remains closed. Fast forward a few months and I get a letter that states they did not rule in my favor ( again ). I do not care, I didn't ask for any action to be taken. They initiated. It has also come to my attention that Goldman is UNDER INVESTIGATION for this exact issue and not giving customers correct information. No shocker here. 

Fast forward a year, I have gone back and forth more times than I care to recall but I finally found out that they were billing me because they were unable to disposition the 2ND dispute in a timely manner and were required to make a deposit of the credit that I did not ask for in my account. By the time someone at GS was actually able to give me this info, they had threatened to hit my credit report. I called in to arrange to pay them to get them out of my life once and for all and I told them I would pay it as long as they did not hurt my credit. I was told they would have to file with their internal credit and they would get back to me. I followed up and tried to pay again and was told that I had to wait until the credit dispute was done. Not shocking, they upheld the negative credit rating and said it was correct. This is ludicrous as even THEIR OWN reps could not tell me why there was a balance. I finally spoke with a supervisor and he said there was nothing that could be done because I owed the money. I am not even disputing that anymore but it is completely unreasonable to expect me to pay for something that I did not charge. THEY gave me a random credit and now want it back. He said he wanted to find a way to fix this for me but he couldn't because I owed the money. He continually said he completely understood how I felt but that it was too bad and the credit stands despite the fact that we both agree on that I DID NOT USE the card. I just want my credit back. This has been an absolute nightmare. I have not heard anything from them since they told me there was nothing they could do. I want to get this resolved and never do business with GS or Apple Card again.

Company response to consumer: Closed with explanation