Consumer complaint received 2025-12-30 00:00:00
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
State: CA

Complaint narrative:
Summary : A fraudelent transaction of XXXX was charged on my Goldman Sachs Apple Card ( MasterCard ) to XXXX XXXX XXXXXXXX ( subsidiary of XXXX ) on XX/XX/year>. I have twice raised the disputed transaction with Goldman Sachs XXXX Services and both times they have decided the outcome in favor of the Merchant without providing details of the decision and spite clear and timely evidence and reporting of the stolen card and fraudulent transaction. I have raised the dispute a third time with them and requested evidentiary information which they said they would provide by mail in ten days. Note, I did not make this transaction. Below are pertinent details IOn XX/XX/year> I received a notification in ApplePay that a charge of XXXX had been made to XXXX XXXXXXXX just then on my Goldman Sachs Apple card, a transaction I did not make. I immediately called the support team at Apple Card/Goldman Sachs to dispute the transaction. I reported the transaction as fraud suspecting the card information had been stolen and the current XXXX XXXX was cancelled and a new number was issued. 

Several hours later that day another transaction on the old card number XXXX was attempted by the thieves for the same merchant, but because I had the card replaced, the transaction was declined. However, this is additional evidence that card no was stolen and the previous transaction was also fraudulent. 

Goldman Sachs spent a month with the dispute and returned a verdict of Billing was correct without further details. I again called support at GS and re-opened dispute providing additional details, some of which apparently did not get back to the disputes case officer. 

AGain, today ( XX/XX/year>, Ir received the same verdict as before without any additional information. I called the Goldman Sachs Credit Card support and this time spoke to a supervisor and discussed the transaction. He indicated some previous information I relayed previously was not logged so I provided that below. I indicated I also would raise a complain with CFPB. I have requested the evidentiary details for the outcome as stated above and was told they would mail what they had to me. The dispute has again been reopened, however, I doubt the issue will be resolved with them. 

Below is how I think my Card Number was hacked and used for this disputed transaction. 

On XX/XX/year> I attempted to create an online purchase at a merchant I had never before felt with called XXXX for XXXX. As they did not accepted APPlePay transactions, I manually entered the Card Number, Exp date and 3 digit verification code. On submitting it, I was taken to what appeared to be Verified by XXXX as the XXXX logo came up spinning. The response was that the card number was not authorized. However, I received an email from XXXX acknowledging the order ( which was never received ). Moreover, Goldman Sachs had no record of this attempted transaction. XXXX  web site has apparently disappeared. I believe it was during the attempt to make this purchase that the card no was stolen and used for the XX/XX/XXXX transaction with XXXX XXXX XXXX. 
On XX/XX/year> Finally, why did Goldman Sachs allow the settlement of the transaction when after five minuets of the initial authorization I notified them that this transaction was a fraud. This seems to be a clear case of negligence not eh part of Goldman Sachs Credit services.

Company response to consumer: Closed with monetary relief