Consumer complaint received 2026-03-30 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: KY

Complaint narrative:
This correspondence serves as formal notice of a disputed transaction and potential legal claims arising from both the merchants conduct and the issuing banks failure to comply with governing law. I was charged {$2500.00} by XXXX XXXX XXXX for a XXXX XXXX scheduled for XX/XX/year>. The reservation was canceled prior to the service date, and no services were rendered. The merchants own documentation reflects : Pre-service communication regarding cancellation A final charge processed at XXXX XXXX on XX/XX/XXXX, followed by a cancellation call at XXXX XXXX, within minutes Additional written communication confirming cancellation intent Despite this, the merchant retained substantially the full amount and issued only a {$110.00} partial refund, confirming the transaction was adjustable and not strictly non-refundable. Federal Law Violations 1. Fair Credit Billing Act ( 15 U.S.C. 1666 ) This charge constitutes a billing error as it involves : Charges for services not delivered as agreed Goldman Sachs is required to conduct a reasonable investigation and correct such errors. That has not occurred. 2. Regulation Z ( 12 CFR 1026.13 ) Goldman Sachs failed to comply with required billing error procedures, including : Failure to properly evaluate submitted evidence Reliance on inconsistent merchant claims Requiring repeated submissions without resolution 3. Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) The failure to properly resolve this billing dispute undermines the statutory protections afforded to consumers regarding fair and accurate billing practices. Kentucky Law Violations 1. Kentucky Consumer Protection Act KRS 367.170 The merchants conduct constitutes : Unfair, false, misleading, or deceptive acts in trade or commerce Retaining full payment for services never rendered, while relying on technical interpretations of a cancellation policy, falls within prohibited conduct. 2. Unjust Enrichment ( Kentucky Common Law ) The merchant has : Retained a benefit ( {$2500.00} ) Without providing any corresponding service This creates a valid claim for restitution. 3. Breach of Contract / Failure of Consideration ( Kentucky Common Law ) No service was delivered Therefore, the basis for the charge failed Card Network Violations This dispute qualifies under Mastercard Reason Code 4855 ( Services Not Rendered/ Canceled Services ) : Service date : XX/XX/year> Cancellation occurred prior to service No benefit was received Merchant policy does not override network protections in these circumstances. Liability Position The facts establish : No services rendered Retention of funds without performance Inconsistent and self-serving merchant evidence Failure of Goldman Sachs to comply with federal dispute requirements Notice of Intent Absent immediate resolution, I am prepared to pursue all available remedies, including : Continued action through the Consumer Financial Protection Bureau Complaints to the Kentucky Attorney Generals Office Evaluation of claims under : KRS 367.170 ( Consumer Protection Act ) Unjust enrichment Failure of consideration Federal consumer protection statutes Demand for Cure To resolve this matter without escalation, I demand : Immediate reversal of the full {$2500.00} Written confirmation of compliance with : 15 U.S.C. 1666 ( FCBA ) 12 CFR 1026.13 ( Regulation Z ) Failure to cure this matter promptly will result in further action without additional notice.

Company response to consumer: Closed with explanation