Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Company Name : Goldman Sachs Bank USA ( Apple Card Issuer ) Product : Credit Card Issue : Problems with a refund or credit balance ( Sub-issues : Fraudulent activity, failure to honor dispute resolutions, disability discrimination ). 

Complaint Narrative Important NOTE : If the person in charge of review and responding this XXXX complaint t responding with not a monetary resolution or compensation and after showing all documents and proofs that are totally clear evidence what i said is true. that will be a proof of Goldman Sachs Bank not reading investigating complaints and XXXX Allowing them discard complaints as closed.that will not aceptable I am filing this complaint because Goldman Sachs Bank USA ( GS ) has engaged in unlawful and deceptive practices by refusing to issue a substantial credit balance refund and by violating communication requirements related to my XXXX. 

1. Refusal to Issue Credit Balance Refund Following Dispute Resolution My Apple Card account currently holds a large credit balance ( approximately {$3800.00} at one point, with varying amounts referenced in messages ) which is owed to me following the resolution of several disputes and GSs determination that the account was fraudulently opened ( See GS Notice dated XX/XX/XXXX, stating, " We've determined that your Apple Card account was opened fraudulently. " ). 

GS Confirmed Refund : Multiple GS/Apple Card representatives confirmed that this balance was in my favor and scheduled it for refund. For example, on [ Date of XXXX  Invoice ] ( referencing messages around XXXX XXXX ), a supervisor confirmed the refund was being processed via check.but never get it call them requesting tracking number and check number they responding cant have that information note i Record all interaction same they does in case Goldman needs proof of the discrimination I m victim by representative several times by phone and messages they told my old lady, crazy man, they also responding with other accent and voice but same person when asking to supervisor Condition of Refund : GS representatives explicitly forced me to close other, pending disputes {$1900.00} total including XXXX ) as a condition for processing the large refund. I complied under duress, but GS then failed to honor their promise to send the refund, constituting a fraudulent inducement and breach of their arbitrary order. 
they reverse disputes for a total of {$4800.00} even is crear the accepted the account under fraud I was forced to pay all money as a condition save my credit score that was XXXX. be cause I was closer to by a new home I was forced paid more than {$10000.00} dlls of fraud transactions even requested cancellation of the account in more that 5 times XX/XX/XXXX, XX/XX/XXXX, agost XXXX XXXX they didn't. when I cant paid any more they destroy my credit score Continued Non-Payment : Despite multiple requests via the XXXX XXXX messaging system ( documented in my evidence from XX/XX/XXXX through XX/XX/XXXX ), the refund has not been issued. GS continues to hold funds that belong to me. 

2. Failure to Honor Arbitration Agreement ( Material Breach ) I have filed for arbitration with XXXX  ( Case/Reference Number : XXXX ). The XXXX XXXX requires Goldman Sachs to pay all arbitration fees, aside from my initial nominal filing fee. GS has failed to pay the required fees to XXXX  ( after the invoice date of [ Date of XXXX  Invoice ] and the due date of [ Date Payment Was Due ] ), placing the proceeding on suspension and constituting a material breach of the Arbitration Agreement. This action has forced me to consider moving the case to civil court, solely because GS refuses to pay their legally/contractually mandated costs. 

3. Disability and Civil Rights Violation in Communication Despite repeatedly informing GS via the documented messages that I have a speech XXXX and must communicate in writing, GS staff stopped responding via message and demanded I call a voice number ( XXXX ) to " authenticate '' or resolve the issue. This refusal to continue written communication, when fully aware of my XXXX, violates my civil rights and the agreement that messages are a legal form of communication. 

Relief Requested : IMMEDIATE REFUND : Goldman Sachs must immediately issue the full credit balance refund of [ Insert most recent confirmed amount, e.g., {$3800.00} ] owed to me. reopen disputes and refund my payment i did since XXXX total $ XXXX not responding with refund : HONOR ARBITRATION : Goldman Sachs must immediately pay all outstanding arbitration fees to XXXX  ( Ref : XXXX ) to allow the proceeding to continue, or face litigation in civil court. 

CORRECT CREDIT REPORT : GS must send a further request to the credit bureaus to ensure all negative marks related to the fraudulent account ( Account ending in XXXX ) are permanently removed and properly reported as " closed at the consumer 's request. '' COMPENSATION : I seek compensation for the emotional distress and economic harm caused by their discriminatory communication practices and continued refusal to refund my money.

Company response to consumer: Closed with explanation