Consumer complaint received 2024-05-30
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 (NY)

To whom it may concern, I am writing with respect to several ongoing fraudulent charges that I have been working to resolve since XXXX, XXXX in good faith. 

After speaking with a XXXX, a Representative ( I called into XXXX XXXX XXXX ) I was urged to send in any documentation re XXXX efforts Ive made to resolve said issues. 

Furthermore at approximately XXXXXXXX XXXX XXXX XXXX  on XXXX XXXX, XXXX confirmed Goldman Sachs ( XXXX ) does not have any merchant proof to substantiate that I should be paying the amounts listed below. XXXX stated I cant give you what I dont have Thus, it is my firm brief that XXXX should close this matter and the charges listed below. For the avoidance of doubt, I should not owe these monies. 

Below, please find the Charges in Question, Efforts and Additional Context. 

I am happy to send exhibits and a copy of the full formal letter. 

CHARGES IN QUESTION Amount Merchant {$120000.00} XXXX 2023 {$3600.00} XXXX Catering XXXX  XXXX {$2400.00} XXXX Catering EFFORTS/ DOCUMENTATION Description Details Exhibit Police Report Digital Police Report for XXXX filed XX/XX/year>. 
Exhibit A Internet Crimes Report to FBI XXXX Report to FBI filed XX/XX/year>. 


Exhibit B Letter to Spanish Embassy Letter to embassy explaining circumstances sent on XX/XX/year> Exhibit C Letter to Spanish Consulate Letter to consulate explaining circumstances sent on XX/XX/year> Exhibit D Interactions with XXXX / GS Support Please see XXXX history where Ive continually asked for evidence. I have contacted support several times and was told I would receive evidence. 
No exhibit attached as this would be well over 50 pages and there is not a way to print this. 


ADDITIONAL CONTEXT I visited XXXX XX/XX/XXXX - XX/XX/year> I could not file a police report in XXXX due to timing of my trip and leaving the country I contacted XXXX as soon as I saw these above enlisted fraudulent charges and was not requested to file a police report even if I had time to do so On the night of XX/XX/XXXX ( AM of XX/XX/XXXX ) I went to an establishment named " La XXXX De XXXX XXXX '' in the area of XXXX XXXX de XXXX on / near XXXX de XXXX, XXXX XXXX XXXX. 
I note that " La XXXX De XXXX XXXX '' can not be found via any online searches and seems to be a pop up business. 
During my time at " La XXXX De XXXX XXXX '', I was pressured to purchase drinks and dances. Though I purchased drinks, I was careful not to drink as I wanted to be cognizant of my surroundings. 
I purchased several dances/drinks for XXXX and saw the hostess enter this into the card reader as such. 
I used my Apple Card on my XXXX to make purchases under the guise of the cost of XXXX. 
Unfortunately, to my surprise when I checked my digital card several hours later I saw many fraudulent charges for well over these amounts to several other establishments. 
These are listed below in USD equivalents. Additional charges were attempted but my limit had thankfully been reached : *Manele 2023 for {$1200.00} - This was charged 2x but only one of the two charges went through as my limit was reached. I am disputing this as noted above. 
XXXX XXXX 2023 XXXX for {$3600.00} - This was charged 2x but only one of the two charges went through as my limit was reached. I am disputing this as noted above.

*JM Catering for {$2400.00} - This was charged 2x but only one of the two charges went through as my limit was reached. I am disputing this as noted above.

Not only did I not authorize the amounts but I did not authorize charges to these establishments nor do I know what they are. I did not physically attend these shell establishments. 
When looking for any of the establishments listed through simple XXXX search they seem to be shell / placeholder organizations and do not conduct business. 

CONCLUSION Given the above facts, lack of merchant support and/or documentation requested on my end several times over, I attest GS Bank should not continue to pursue charging me these amounts as I am clearly the victim of internet and/or digital fraud.