Consumer complaint received 2024-03-30
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 (NJ)

On or around XXXX XXXX, XXXX I used my Apple Card XXXX to purchase an online based course called XXXX XXXX XXXX for {$590.00} XXXX. Unfortunately, the owner of the website turned out to be a fraudster and scammer named XXXX XXXX. Aside from his " XXXX XXXX XXXX XXXX, he offered business payment/processing at a cheaper rate than XXXX and XXXX. After reviewing the course, I determined that the material was dated and of no use to me. I expressed this to XXXX XXXX and he suggested I use his payment processing services. I had XXXX XXXX process my XXXX card for $ XXXX. He was to transfer via XXXX the $ XXXX back minus his fee. I received confirmation from XXXX that the transaction processed successfully. However, XXXX XXXX claimed the processing was pending and he would advance it once it cleared. As time, went by, I knew XXXX XXXX had defrauded me. I complained about the length of time the transaction was taking and he advanced me $ XXXX. Another week went by and I he failed to respond to my calls. I contacted XXXX XXXX and filed the fraud dispute which they did resolve in my favor. Eventually, the charges were reversed on XXXX XXXX. XXXX XXXX then called me and asked why did I do that to him. I told him that I didn't know what he expected because he had lied about the " pending '' status of the transaction despite the confirmation that the transaction processed successfully. He understood that I caught him in a lie. I do have our text message correspondence. I never returned the $ XXXX XXXX XXXX sent me via XXXX. A few days later XXXX XXXX charged my XXXX XXXX for {$1900.00}. He used another business name for the charge called the XXXX XXXX. This business shares the same address and contact info as the XXXX XXXX XXXX. I disputed the charge with XXXX and XXXX XXXX sent his " proof '' of my authorization for the {$1900.00}. His proof was fake and he copied and pasted info from the original purchase for {$580.00} to this {$1900.00} authorization. His proof was so manufactured that it actually helped me. Or at least I thought it should. I wrote a section by section refute of his so called proof. The most obvious was the XXXX stamp from XXXX from the original {$590.00} purchase. He never changed the XXXX address. I was there for a weekend and flew back. I provided proof of this to XXXX. I also provided proof that not only was I in my home state but I was using my credit cards to make local purchases and dining near my home. Yet his proof puts me in XXXX according to his document. Applecard keep finding in favor of the merchant despite my obvious proof. Either they are that stupid or they just aren't reading what I sent to them. If this isn't resolved quickly, I am ready for litigation and would appreciate a consumer attorney referral. I keep reopening the claim over and over again with the same unsatisfactory result. I reached out to Applecard 's XXXX for help and never received a reply. See attached. I can provide text messages from my phone if necessary.