Consumer complaint received 2022-12-20
Company: GOLDMAN SACHS BANK USA
State: WI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX of 2022 XXXX XXXXXXXX XXXX card sold their financials to Goldman Sachs for the XXXX reward card. I had a balance of XXXX that transferred to a Goldman Sachs account ( not by my choice ). I created a login and continued to pay my first payment of XXXX to Goldman sachs at the beginning of the month. I did not enroll in auto pay and I did not activate my new card as I planned to pay off my card and close the account. I did not want to do business with Goldman Sachs. 
On XXXX XXXX an automatic withdrawal came out of my checking account for the remaining balance of my Goldman Sachs XXXX XXXX XXXX which was XXXX. I called immediately to find out what happened and they apologized and I was informed that several customers have called and complained of the same issue. They promised a refund to my checking account and my balance return to what is was, so I could continue making my regular payments. 
On XXXX XXXX I see the refund return to my checking account and my balance return to {$2600.00}. I think everything is okay and the problem is solved, until... 
On XXXX XXXX I log onto my dashboard to find my balance has doubled exactly. A " transaction '' called debit adjustment was on my statement for XXXX. This brought my balance to {$5200.00} I called back immediately and no one could explain why this happened and they said that is was definitely wrong. They filed a claim and an investigation against the matter. This took 90 days to get an answer, meanwhile the interest rate has made min payments very high, my credit limit on my card was XXXX so they began reporting me to the credit bureau as over the credit limit. Since XXXX we have gone through XXXX investigations/disputes/filing claims, also XXXX disputes with the credit bureaus and I can not get anything resolved. 
This has caused my XXXX XXXX to drop over XXXX points when I was in good standing and getting ready to buy my first home. I am unable to do that now due to this issue that is not my fault. I have been calling every week since XXXX to get answers and every person I talk to on the phone can see the problem but nothing comes out of it. 
In the past month, they sent me a letter saying they were going to send me to collections if I did not pay XXXX XXXX I did make that payment out of fear of dealing with collections because I am a person that pays bills on time and financially responsible. 
I believe this to be fraud and that Goldman Sachs knows exactly what they are doing and this is most likely happening to millions of people that have been sold out from XXXX XXXX XXXX rewards XXXX. 
I am discouraged beyond belief that my XXXX XXXX has been damaged this badly for something I am not responsible, I feel like a victim to this credit card company and want to see justice come out of this situation. The amount of time spent calling/waiting and talking to people from this company is time I will never get back, countless hours. Something felt wrong from the very beginning and I wish I would of know about this agency sooner.

Company response to consumer: Closed with explanation