Consumer complaint received 2024-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: GOLDMAN SACHS BANK USA (FL)

Good day, I file the complain against Goldman Sachs Bank. 

I hope my message finds you well. 

I would love to start with a question. 

When you go for the service, how happy you can be when the service was not provided but you were charged for the full service? 

Plus, the credit card company, which is supposed to protect the customers, gives 0 % protection.Isnt it the idea why we apply for a credit card with that particular bank to be protected? So if the bank doesnt give any guarantee, any protection to the customer shall they warn the customer : Do you know that if you have problems in the future with the merchants were not going to protect you? 
We are going to ignore any proof or evidence you will provide, and support only merchants? 

Thats exactly what happened to me. I went for the service for XXXX XXXX with XXXX. I found the esthetic company through XXXX. 

What the company does. They ask you to take a screenshot from XXXX because if you purchase the tickets through XXXX, they have to pay a percentage to XXXX for the promotion. 

It already shows how unethical the merchant is. 

The second, after you visit the place, they claim that you need more units, which they calculate with the highest price on the market. At the end because they dont inject as many units as you paid for by the way, you end up paying the highest price that ever existed on the market. 

I want to stress the reason why you go for XXXX. 

Its to have the results lasting for minimum of XXXX months because it is scientifically proven that the results from the XXXX last a minimum 4 months. 

Of course, depending on the age, still, I was only 46 when I went for the procedure.

In their letter, the merchant claims to have injected 62 units in one area - the forehead and under the eyes.

When I went to different professionals to ask if it was possible to have the results I had with 62 units after two weeks and one month. Every place I visited said : its impossible even from the very beginning. If they would inject 62 units in your forehead area, you would have your forehead hanging to your neck. 

Its too much. 

This logically means that the merchant didnt inject 62 units.

And you can not even see how many units they inject. They have it in the syringe. You dont see how many units they inject.

They just claim to inject that amount so they can easily inject less, which was my case.

And then charge you for more.

This is another nice lie by the merchant, which claims in their answer to the dispute, that they injected 54 units.

Sorry to say that, but its a lie. They injected 62 units.

Why would they do?

Because even with 54 units, its already way to much not to have the results. Can you imagine, if they say the right number, which is 62 units of XXXX in forehead area. 

They simply can not show the higher number to have such a result thats why they need to hide the correct information. 

I provided all the pictures how I looked like before and what my face looked like after 10 days, then after one month.

Effect disappeared. 

Nobody pays {$500.00} to have the results only for two weeks unless they know it. If I would ever know that XXXX last for two weeks only, I would never go for the procedure. 

This is not the first time I have done XXXX and its nonsense that any merchant can claim that XXXX doesnt work. 

XXXX proved that XXXX works. If the merchant doesnt care to buy the XXXX from a good qualified merchant, thats not my problem. 

If the merchant claims that the XXXX that they inject is not of good quality and you can end up having to results, I shall never pay {$500.00} for the experiment. 

This is the responsibility of the merchant to see that the XXXX doesnt work. And to suggest to the customer another procedure, but dont say that the Botox didnt work, and sometimes its possible that the XXXX doesnt work. 

Does the unethical merchant claim to be smarter than the highest scientific institutions and medical centers in the world? 

Are you serious? Since when a regular unethical merchant can be smarter than the highest scientific institutions and medical centers? 

If the merchant tries to protect and hide they're being unethical. I shall not pay {$500.00} for that. 

And its the responsibility of the bank to protect the customer. If the bank can not give the protection then they have to warn the customer. Do you know if there would be any issues with the dispute, our bank will not protect you. Our bank will protect the merchant, whether the merchant is unethical or what. The policy of the bank is to protect the merchant. 

I had the same issue with the same bank previously. 

I subscribed for the three days free trial with XXXX. I canceled the subscription in one day. The platform charged me the annual fee. 

And because I canceled the subscription, I couldnt even use the platform. So I ended up paying for the annual service, which I could not even use. 

I filed the claim, and submitted all the documents, including the document where they could see that I canceled the subscription on the XXXX of XXXX, The merchant provided the document that the customer ( me ) didnt cancel the subscription on the XXXX of XXXX. 

After a very long discussion with the supervisor at the bank, I asked them to explain to me what is the difference between the XXXX of XXXX on 2 documents? 

Its the same day. 

How they could consider that my XXXX of XXXX is different from the XXXX of XXXX for the merchant? 

How you can ignore the document provided as evidence by the customer while you take without any consideration the document provided by the merchant? 

It already proves that the bank doesnt protect the customers. 

That is the reason why merchants are fine to behave unethically, cos they know the banks protect them. It shall be stopped. 
Especially, when there are documents proving the case. 
Where does the value of the evidence evaporate? 

Is it the right thing to ignore the documents and the evidence provided by the customer? Isnt it the legal obligation of the financial institution as a bank to investigate the issue and make a fair decision in whose favor to resolve the disputes? 

And I am not the only person to write negative reviews regarding the same merchant. You can check XXXX reviews for XXXX. 

There are several reviews from different customers describing the same issue : got the promotion from XXXX, overcharged and that it takes only one month for the XXXX to lose its effect. 

Lets clear one thing. People dont pay {$500.00} for 10 days or one month. 

If XXXX the merchant uses will last only one month, the customer should be warned about it to have the right to decide. 

Do I want to pay {$500.00} for one month? 

I would have never paid it. 

Similarly to if you pay {$10000.00} for a car and the only reason that you pay {$10000.00} for the car is because it will last you XXXX years. 
If you did nothing wrong and the car broke down in two months, the service was not provided. 

There is a warranty, then why there is no warranty for XXXX services? 

Scientific institutions and medical centers cant be less smart than a regular esthetic place where they use the products, which was created by the scientific institutions. 

Its unfair to make me pay {$500.00} for unethical dealing by a merchant who claims to be smarter than the leading scientific universities and medical centers. 

Its nonsense. If the merchant did a poor job, they have to admit it. 

Thank you