Consumer complaint received 2022-04-29
Product: Credit card or prepaid 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 (CT)

This originally contained screenshots of statements and receipts supporting my statements. These will be included in " additional documents '' in this complaint, and have been sent to Apple Card twice, as of XX/XX/XXXX, while defending " disputes ''. 

When I tried to purchase a rug ( XXXX ), I went through XXXX, through which I used Apple Card. 
When I clicked to purchase, I got an error message. 
Assuming the transaction didnt go through, I backed up, checked what I had submitted, and submitted again. 
Again, I got the error message. 
I thought the error might be with the sites connection with XXXX, so I tried going through Apple Card directly. 
The card was declined. It appears that happened twice. 
At that point I recognized that the two error transactions had actually gone through. 
I called attention to the transactions with XXXX and with Apple Card ( i.e. disputed ). 
I thought everything was resolved ( and it was, by everyone except Apple Card ). 
Some time later, when I tried to purchase an XXXX computer, my credit was denied, calling my attention to the discrepancy between my credit line ( {$7500.00} ) and my available credit ( {$3400.00} ), though my unpaid balance was {$0.00}. 
The discrepancy was the {$3400.00} that was still inexplicably under dispute by Apple Card. 

XXXX was able to recognize that the transactions never happened. 
XXXX credited the transactions thus Apple Card never paid. Now Apple Card wants me to pay them, as they reverse a " provisional credit '' for transactions that were credited before they even happened. 

One could examine the receipt from the vendor... 
I never had contact with the vendor, as they were paid by my XXXX XXXX and shipped the product, thus there was no dispute. 
The error purchases were credited through XXXX, and never paid, as acknowledged by the vendor. 
I ended up using a different card to make the purchase that night, thus the rug was shipped to me, and the disputes were irrelevant. 
( There is only one such rug. If the vendor were paid two or three times, they could not send me multiple rugs. This was the only such rug. ) My XXXX card statement shows the transaction resulting in the purchase and delivery of the rug. 
No funds from Apple Card were used to make this transaction. 
Apple Card never paid out anything, though Apple Card continues to try to assess my account for the {$1700.00} they never paid out to anyone. 

This is evident in the entries in my statement from Apple Card. 

Here is the response I continue to get from Apple Card regarding this dispute : Goldman Sachs Bank USA has investigated your transaction dispute, and it's not resolved in your favor for the following reason : You already received a credit from the merchant for the disputed amount As a result, the temporary credit of {$1700.00}, which was applied to your account while your dispute was being investigated will be reversed, and will appear as a transaction in the XXXX  app and on your next monthly statement. We will add this amount to your account balance, and you can pay it the same way as your other transactions. We've also waived any interest that may have been added to the disputed transaction before you submitted it.

You have the right to see the information we gathered to make this decision. To request a copy, please contact an AppleCard Specialist at Goldman Sachs Bank USA by chat or phone.

The details of your dispute are below. 
Disputed Transaction Details Dispute case number : XXXX Transaction date : XX/XX/XXXX Merchant name : XXXX XXXX ( XXXX ) Disputed amount : {$1700.00} Amount to be rebilled : {$1700.00} Get in touch with an AppleCard Specialist. Available XXXX. 
Chat with a Specialist using the XXXX app XXXX My notes from a previous call to Apple Card : XX/XX/XXXX XXXX On our end, both transactions disputeddispute credits applied. 
Dispute reversal removes one of the dispute credits.

The other dispute credit is still open.

Merchant was never paid Withdrawing disputeresolved in merchants favor, but should not result in a charge.

It was already sent throughawaiting Manager approval.

Will make a note of it.

Usually takes a couple days.

Goldman Sachs Bank USA has investigated your transaction dispute, and it's not resolved in your favor for the following reason : You already received a credit from the merchant for the disputed amount As a result, the temporary credit of {$1700.00}, which was applied to your account while your dispute was being investigated will be reversed, and will appear as a transaction in the XXXX app and on your next monthly statement. We will add this amount to your account balance, and you can pay it the same way as your other transactions. We've also waived any interest that may have been added to the disputed transaction before you submitted it. 
You have the right to see the information we gathered to make this decision. To request a copy, please contact an AppleCard Specialist at Goldman Sachs Bank USA by chat or phone.

The details of your dispute are below. 
Disputed Transaction Details Dispute case number : XXXX Transaction date : XX/XX/XXXX Merchant name : XXXX XXXX XXXX XXXX ) Disputed amount : {$1700.00} Amount to be rebilled : {$1700.00} What strikes me is that Apple Card says that since the vendor credited me, then Apple Card can reverse its credit to me, and charge me.There was no me in these transactions.The vendor credited Apple Card, not me.I didnt get any money from the vendor.The vendor didnt get any money from me, or Apple Card.Because I contacted the vendor ( XXXX ), the charge was credited, so Apple Card was never charged.There was no transaction.On Apple Cards books, they think they credited me, and then they imagine that the vendor credited me, so then Apple Card should reverse their credit to me and charge me.

I must reiterate ... I purchased this rug using my XXXX credit card. Apple Card did not pay anything in this transaction.