Consumer complaint received 2020-07-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/20, I discovered a past-due balance on my credit report, from XXXX XXXX  for the " XXXX '' Credit Card for {$9.00}. I never authorized this charge. I called XXXX XXXX at XXXX, and eventually spoke with XXXX at approximately XXXX XXXX XXXX on XX/XX/20. She refused to provide any ID number, or any other identifying information. I told her I saw the past due amount on my credit report and never authorized these charges on my XXXX XXXX credit card. And that I needed the unauthorized charge reversed, and the past due amount reported to the credit bureau retracted, as it has significantly lowered my credit, at a time when I need credit. 

She stated that most XXXX XXXX " XXXX '' credit card holders don't realize that XXXX automatically starts charging XXXX services to the customer 's XXXX XXXX credit card, because they are partners. She also refused to file a dispute for the unauthorized charge, and instead said that she could transfer me to XXXX. She then transfered me to a " XXXX, '' who intentionally or unintentionally hung up on me. 

I have been harmed in the form of a significantly lower XXXX XXXX at a time when I need credit, in the midst of a crisis, and XXXX XXXX has refused to allow me to exercise my rights as a cardholder to dispute the charge and the reporting. In addition, it appears XXXX has refused to allow me to exercise my rights as a cardholder to increase their own profits and collude with their partner to XXXX to provide them preferential treatment over other retailers, and over their cardholders. 

1 ) I believe XXXX and XXXX XXXX have colluded to increase usage of their credit card by automatically charging XXXX products/services to the customers ' XXXX XXXX credit card, without their knowledge. ( Either without permission, or sneakily buried in the terms and conditions somewhere ). The first customer service representative I spoke with confirmed that most customers don't know this happens and find these surprise charges on their XXXX XXXX credit card. 

2 ) XXXX XXXX refused to allow me ( a credit card holder ) to exercise my rights as a card holder, in order to provide favorable treatment to their partner, XXXX. When notifying XXXX XXXX of the unauthorized transactions, the customer service representative, rather than filing a dispute of the unauthrorized transactions, she offer to transfer me to XXXX. 

3 ) In addition, XXXX XXXX XXXX XXXX make it very difficult to view balances, pay the credit card, or do anything else, without an XXXX. 

I would like what I originally asked : 1 ) The {$9.00} charge to be removed, because it was not authorized by me. 
2 ) The past due balance report to the credit reporting agencies to be retracted 3 ) {$37000.00} in compensation for the harm to my credit score and inability to obtain credit, when I need it most, during a crisis. 

More broadly, it would be helpful if the CFPB investigated the deceptive, " bundling/tying '', and unfair practices that have been perpetuated by the relationship between XXXX XXXX and XXXX, to their customers.