Consumer complaint received 2024-10-24
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 (IA)

APPLE CARD - GS BANK USA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX To : Apple Card Goldman Sachs Re : Compromised Account/FRAUD/SCAM I have been corresponding with a bot since XX/XX/XXXX trying to report a compromised Apple Pay card where I have been made the victim of absolute fraud/scam. 
I have been unable to actually speak to a human being who may be capable of reasoning skills to look into this matter and resolve this issue instead every time I try to make contact, I get a bot response that gets me nowhere. 
I want to know what method was used in the investigation described in this document. Heres the facts : 1. No one has talked to me personally.

2. Who did you speak with at XXXX XXXX XXXX XXXX and what do they claim to have sold me for the ridiculous amount of {$2400.00}? 
3. Looking over my spending history there has NEVER been a charge anywhere close to that dollar amount, there has NEVER been a charge over {$500.00}, nor has there been a charge outside of the United States, so Im not sure what you mean there is no evidence to substantiate the claim. 
XXXX. The evidence is that I have been using the Apple Pay card for local purchases such as fuel, groceries, XXXX purchases, most not to exceed {$250.00} at any given time. If you are searching for evidence, any algorithm will detect this purchase on XX/XX/XXXX as ABSOLUTELY OUT OF PLACE GOES AGAINST THE NORM STANDS OUT AS THE PROVERBIAL SQUARE PEG, ROUND HOLE. You dont need to be a CPA to understand this transaction doesnt fit the history! 
XXXX. I reported this charge on XX/XX/XXXX as soon as I saw the charge on my account. This charge was posted at XXXX XXXX  on XX/XX/XXXX, I was clocked in at work, I can not be on my phone shopping while on duty, this fraudulent charge was reported to you within 24 hours of it hitting my account, how is that not evidence to substantiate this claim? 
XXXX. Upon reporting this fraud, no one from your agency has had the decency to contact me personally and resolve this matter, instead youve been burying me in text and email messages to which you declare Im responsible. 
Your company is not advocating for me your client. I am reporting this blatant disregard of my rights to the FTC, all XXXX credit reporting agencies and my county attorneys office. Based on the way you have handled this I am inclined to believe that your company is participating in this scam/fraud. You do not have the right collect this charge from me, you do not have the right to call my phone repeatedly in an effort to collect a bogus charge and you do not have the right to destroy my credit standing when in fact you have not investigated this scam/fraud at all. 
I work XXXX days, XXXX XXXX, I begin my workday at XXXX XXXX, I have XXXX hours each day during the business week to eat, sleep and bathe, I do not have time during the business week to take phone calls and be put on hold for endless hours only to speak with a bot. I expect a response from your company via email or US Postal mail regarding this matter and your response better not be debt collection because I am never paying that charge. This whole nightmare has class action lawsuit written all over it. Clear this fraudulent charge and close my account immediately I owe you nothing.