Consumer complaint received 2023-07-12
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:
From XX/XX/2023 through XX/XX/2023, unauthorized purchases were made from the account of a minor. The amounts equaled over {$13000.00}. The XXXX phone removed the ask for permission for purchases when my son turned XXXX on XX/XX/XXXX. 2023. This was done without my consent, as prior settings were set to be approved by myself on my adult account. There were no payment methods listed on the minor account. When speaking to the XXXX representative, I was informed that once a person turns XXXX, the setting has to be manually changed back. This was never discussed with me aside from the note of that when a child is XXXX they get a teen account and can make purchases. What is frustrating is that there is no notification of the account being changed to Teen status and is ultimately done without consent of the adult holding the account. The Apple credit card allowed multiple charges over 50 different charges totaling up to {$13000.00} without it signaling any type of suspicious activity nor notifying the adult. The XXXX ID that made the purchases is noted as a XXXX year old and is not listed as an authorized user on the Apple Credit card. 
The Apple credit card also allowed the charges to exceed the credit charge limit of {$12000.00}. It is disappointing that a card would let another account just use the credit card and not notice that it was a minor and that the account making the purchases did not make any purchases prior to XXXX. One day, there were multiple charges about 10 total for the amount {$220.00}. The only reason it was ever flagged was because it was over the spend limit of {$120000.00}. 
This setting on XXXX, should not be automatically changed without a parents consent. It should remain a child setting until the parent does the change themselves. My son also is XXXX but has a learning XXXX and receives accommodations through the State of Wisconsin for reading and comprehension and per him, he thought it was free because it did not ask for permission from a parent. 
XXXX has been okay with communicating but it is a lot of back and forth between XXXX and the credit card, despite the credit card being an Apple Credit card. 
Something needs to be addressed for this account issue and some safety and security plans in set. To allow a minor to accumulate that many charges and no notification from XXXX or communications regarding concerns. 
Current communications with XXXX have denies 107 unauthorized purchases. Unfortunately, the app on the phone itself, is based in XXXX which limits the communications with that specific entity. The app is XXXX XXXX XXXX. I did file a complaint with the Wisconsin Department of Agriculture, Trade, and Consumer Protection. I do understand a parent being responsible but as being a parent of a XXXX year old as well, I do make sure I am careful with my phone as I have been an XXXX user since the first XXXX came around. 
I spoke with XXXX Manager on Thursday, XX/XX/2023 who said all charges were removed and the next day XXXX 2023 the supervisor said the manager there does not know anything about charges and that I owe them money. Currently, they said I need to make payments or pay interest. My son is not an authorized user nor is there any cards attached to his phone. Unfortunately, they can not provide a detailed summary of the charges and only sent me 149 emails of the transactions. I can forward all those emails but like I said that is alot. 

I appreciate your assistance with this situation.

Company response to consumer: Closed with explanation