Consumer complaint received 2024-07-25
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 (NY)

The screenshots previously provided DO showcase that NO RETURN POLICY is posted. I was sharing the signs they have posted in store and that NONE of them are return policies.. so Im confused as to why thats being requested currently. When it was clearly previously provided. Now I can not show you something intangible. The merchants cash register only prompted store credit and if I as the consumer accepted that, yes Id have tangible evidence ( a receipt ) of the proposed points previously made but I would not be able to charge it back/ receive a refund because an exchange wouldve been solidified. So I asked for the manager, who also refused to refund my money ( which is how these products were paid for, hence the charge to my card ). Regurgitating the same information as the cashier.. which is that they were unable to override the cash register and if the cash register only prompts store credit, thats all they can offer. The manager also explained that, this was due to the original transaction being split between two cards, being my GS Apple Card and my insurance benefit card. I then explained to her ( as I did the associate ) ( which is clear from the receipt ) that, the amount rendered on my GS card is greater than the total amount rendered on my insurance benefit card ; so how could I get back more store credit than was spent? ( And nothing on this specific policy/ ruling is stated anywhere ; from online to in store ) She responded with an oh well demeanor stating thats all the cash register was offering so thats all I can do. To which I told her, was unacceptable as machines can easily be overridden. I asked for a number to call in hopes of reaching an acceptable solution. They provided one and I called immediately. the representative I spoke with took my complaint, asked if I wanted a follow up call to which I responded yes but never received one. So I went to my last and final resort filing a chargeback. This could have easily been resolved with the merchant directly had they actually cared to justify the problem I was having. I also threw out the products after my 3rd and final attempt to return them. Ive purchased other hair care that fit my needs. Hence me pursuing getting my money back and NOT store credit. 

I dont know what else Goldman Sachs needs to rightfully eradicate this charge. XXXX clearly didnt want the products back at any of the three attempts I made to return them. So I threw them out because I expressed on the first attempt, that I experienced an allergic reaction ( when using products from the same beauty brand, purchased prior at another store ) ( in which that store took the return of the product just fine ). That associate advised I reach out to the 3rd party beauty brand ( s ) specifically, when refusing the return. 

The sole fact is, XXXX has no return policies posted in their store at all and because of this failure to properly inform their consumers of their return policies PRIOR to purchase, a loss was created. Theres absolutely no reason why the liability is falling upon me, the consumer ; when they are completely in the wrong and breach of the law.