Consumer complaint received 2024-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (VA)

XX/XX/year> Attn : Consumer Financial Protection Bureau Complaint Department Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Apple and Goldman Sachs for Illegal Apple Wallet Behavior, Identity Theft and Financial Theft To Whom It May Concern, I am writing to formally file a federal complaint against Apple Inc. and Goldman Sachs for their involvement in fraudulent activity, including identity theft, illegal fees, manipulation tactics, failure to comply with federal laws and regulations related to my joint credit account and misuse of my personally identifiable information.

It has come to my attention that Apple has established a pattern of behavior wherein they deny disputes related to user transactions when the disputed amount tends to exceed {$100.00}, even in cases where overwhelming evidence points to fraud or theft by third-party actors.

This practice effectively shields these bad actors from accountability and allows them to continue exploiting the Apple Wallet platform, resulting in significant financial losses for innocent consumers. It also benefits Apple and Goldman Sachs as they are able to continue collecting payments and interest on said transactions without the need to spend internal resources on properly investigating as per the federal law and refunding consumers where fraud is evident.

Apple 's refusal to investigate these disputes further, despite compelling evidence, constitutes a gross negligence and complicity in the fraudulent activities perpetrated against its users. By failing to take appropriate action, Apple is not only enabling these bad actors but also profiting from their illicit activities through transaction fees collected from unsuspecting consumers. Goldman Sachs is also accountable for failure to respond efficiently and provide sufficient evidence of investigations or any relevant data upon request, also financially benefiting from this scheme.

Apples representative have repeatedly asserted the Fraud Prevention Team is unable to be contacted by customers and they even dont have a way to internally call, message or contact their own counterparts to confirm financial transaction details in order to complete their review.

This systemic failure on Apple 's part has led to a proliferation of fraudulent activity on the Apple Wallet platform, resulting in billions of dollars stolen from consumers. Many victims have been forced to seek recourse through various agencies, including the XXXX XXXX XXXX and the Consumer Financial Protection Bureau.

I urge the Federal Trade Commission to launch a thorough investigation into Apple 's practices and to hold both Apple and Goldman Sachs accountable for their role in facilitating fraudulent activity and harming consumers. This matter warrants the full force of the U.S. federal government to protect the rights of American citizens and prevent further financial losses. 

Thank you for your prompt attention to this urgent matter. I have attached supporting materials for each case.