Consumer complaint received 2024-05-08
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 (AZ)

I have lodged a dispute with Apple Credit Card. Initially opened in XX/XX/2023, this dispute has been reopened three or four times since then. 
Despite multiple attempts, I have found myself caught in a cycle of unfruitful conversations when contacting the credit card lines. No one has been able to offer a satisfactory resolution or provide reasons for the dispute 's rejection. Instead, I am often transferred from one agent to another, enduring endless wait times and having to repeatedly explain the situation. This experience has been incredibly frustrating. I consistently receive a standard response indicating that the decision to decline the dispute is made by another team. 

As a result of this incident and the poor customer service received, I have ceased using my Apple Credit Card entirely. I am awaiting resolution of this issue before ultimately closing the account. When I initially applied for this card, I expected the exceptional customer service synonymous with the premium Apple brand to extend to its credit card users as well. Feeling misled, I regret having opened a credit card account with Goldman Sachs Bank. 

Unfortunately, the Apple Card is issued by Goldman Sachs Bank USA, and I believe disputes are handled by representatives of Goldman Sachs Bank. It was not made clear to individuals like myself that the card provider is Goldman Sachs Bank, and we would be subject to their subpar customer service. 
Despite my efforts, I find myself stuck in a cycle without any resolution. I feel helpless, which is why I am reaching out to you for assistance. 

On XX/XX/2023, I brought my car to XXXX XXXX XXXX shop for servicing and repair. I clearly instructed them not to proceed with any repairs if they were unable to remove the oil filter, as the car required an oil change. Upon returning, I was assured that the work had been completed. However, upon driving the car, it became evident that the issue had not been resolved. Despite this, I chose not to pursue the matter further. 

On XX/XX/2023, when I took the car to XXXX XXXX for a brake inspection, I asked them to also check the oil filter and confirm whether it had indeed been changed, seeking a second opinion. The technician at XXXX XXXX informed me that 'THE CUSTOMER HAS HAD TRANSMISSION SERVICE DONE AT ANOTHER COMPANY. THE TRANSMISSION FLUID DOES NOT APPEAR TO HAVE BEEN CHANGED ; THE FLUID IS VERY DARK. ' This led me to doubt whether the work had been carried out by XXXX XXXX XXXX XXXX. I decided to seek another opinion. 

On XX/XX/2023, I contacted XXXX XXXX, who subsequently changed the fluid. Based on the aforementioned events, I initiated a dispute against XXXX XXXX XXXX XXXX and provided all relevant supporting documents. 

FYR - I am attaching copy of an email sent to Apple explaining the situation. Copy from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 

Please feel free to reach out if you require any additional details or clarifications. I appreciate having this platform available. Thank you very much!