Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (OR)

This letter explains each and everything in details-I had written to Dispute team and team they keep on denying the dispute without providing any evidence and or XXXX. 

Apple Credit Card Dispute Team Goldman Sachs Bank, Direct Dispute XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Disputed Evidence Submission - Case # [ XXXX ] ( fourth request- Currently active/Open ) for XXXX XXXX charging my apple card for fraud amount of {$500.00}. 

Earlier Case Reference ( s ) XXXX ( XXXX Case ) XXXX ( XXXX Case ) XXXX ( XXXX Case ) XXXX ( XXXX Case ) - on going There were now XXXX time ( s ) this case being rejected/ disbursed without providing a clear justification on what ground ( s ) the case is being closed in the XXXX XXXX favor? I opened this case fourth time again and Investigation Ongoing- Mere one line explanation repetitively is not a professional way of rejecting and closing a request is highly unethical, Immoral, and unprofessional without providing any evidence on what grounds the case was closed. 
Dispute Status : Completed ( Disputed charge ( s ) will remain ) The temporary credit of {$500.00}, which was applied to your account while your dispute was being re-investigated will be reversed and will appear as a transaction in the XXXX app and on your next monthly statement. 
Your account balance will automatically be increased by the amount mentioned above. Be sure to pay your minimum payment to keep your account current. If you pay your monthly balance in full every month, you will avoid being charged interest. 
My Main argument is ( i ) Reiterating XXXX time, I have not done any business and or any transaction with Identity- XXXX XXXX XXXX basic question for any Investigation that for which the person is charging? Ask this fraud person what services and or product I purchased or taking service from him, PERIOD. 
( ii ) The answer is none, I do not know who this person is and for what he is charging me {$500.00} and Apple card Fraud Investigation team consistently denying my requests.

( iii ) When someone takes services there should be the bills attached for the services being provided. Nothing here shared one liner explanations from Goldman Sachs bank and denials. It is Fraud Charge ask him what this transaction for he charged me the amount and is there any proof he had? Except fake transactional Log, that itself in question repeated times already told to you folks, it is fraud charge and you folks keeps denying my claims?

( iv ) Also tired and frustrated by the apple Investigating team never provide the reasons on what grounds the fraud claim was rejected? No evidence whatsoever just one liner sentences is no way of root causing an Investigation. 
( v ) The fraud identity can not take the help of a transactional log ( that is in question for fraud, and I am tired repeating myself as that transaction as fraud to you folks. 
( vi ) My Apple card had {$8100.00} of money max limit ; does that means they can deduct the entirety amount on this card as the sales are final without providing the bills, mere a fake transactional record can suffice your Investigative needs? What type of Investigation is this done by Goldman Sachs bank???

( vii ) It is a lack of clarification and all the earlier 3 Investigations done was in a hurry and denials.

( viii ) I am providing the fourth time the explanation letter, via fax, via chat, via email and I also sending via mail to Goldman Sachs to thoroughly be done this Investigation and ask what services XXXX XXXX Provided to XXXX XXXX, for which the Identity/fraud person charging me USD {$500.00}??? 
**Additionally, please refer in detail the earlier detailed information provided to Goldman Sachs by me on the closed cases XXXX, XXXX & XXXX for the aforesaid fraud amount for USD {$500.00}. 
( ix ) I left with no choice that my Consumer rights were being violated and I had to take this case of Goldman Sachs to the Oregon state consumer affairs board as this is violating the consumer protection rights of fraud that Goldman Sachs gave it to their customers and here, they are in complete denials. 
( x ) Reference details, why should I take my case with BBB and XXXX XXXX : XXXX XXXX XXXX XXXX looking at Goldman Sachs ' Apple Card business unit. 
https : XXXX  When an Apple Card user disputes a transaction, Goldman must seek a resolution within regulatory-mandated timelines, and it sometimes failed at that, said the people, who requested anonymity to speak candidly about the situation. Customers were sometimes given conflicting information or had long wait times, the people said.

( xi ) Per the Apple card customer Agreement, I had made via apple to Goldman Sachs- Clearly states this below- and the way my claims are being denied back and forth without any clarifications is highly unprofessional and unethical way of doing the business by Goldman Sachs and violations of the consumer fraud protection rights guaranteed to me.

I have taken care to compile these materials to the best of my ability, ensuring that they accurately reflect the circumstances surrounding the disputed transaction. I trust that this information will aid in your investigation and contribute to a fair and equitable resolution.

Please let me know if there is any additional information or documentation that you require to assist with the dispute resolution process. I am committed to providing any further support necessary to help expedite the investigation. 
I kindly request that you acknowledge the receipt of these documents and provide an estimated timeline for the resolution of my dispute. Your prompt attention to this matter is appreciated. 
Thank you for your time and assistance in this matter. I look forward to a swift resolution and a fair outcome. 
Sincerely, XXXX XXXX