Consumer complaint received 2025-04-30 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: TN

Complaint narrative:
I am submitting this statement to formally report two unauthorized and coercive charges that occurred at two separate establishments while I was traveling in XXXX. Both situations involved manipulation, intimidation, and unethical business practices, leaving me financially and emotionally impacted. 

Incident # XXXX : Date : XX/XX/XXXX Business Name : XXXX XXXX ( inside XXXX XXXX, XXXX, AZ ) Amount : {$64.00} On XX/XX/XXXX, I visited XXXX in XXXX, Arizona to try their wings. While there, I was approached by XXXX womenone of whom had previously stolen {$350.00} from me ( police report was filed for that incident ). I made it clear to the hookah girl that I only wanted wings, but she and her friend, XXXX XXXX, ordered themselves hookah anyway. I was later informed that the club does not accept cash for food and was asked to use my card. I did not realize until after leaving the club and XXXX that I had been charged {$64.00} by XXXX XXXX. I never consented to purchase hookah services. This charge was unauthorized, and I was misled and manipulated into a transaction I did not agree to. 

Incident # XXXX : Date : XX/XX/XXXX Business Name XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, CA ) Amount : {$610.00} On XX/XX/XXXX, I visited XXXX XXXX in XXXX XXXX, California, after finding it recommended online. While seated in the lower section having drinks, I was approached by a dancer who insisted any lap dance had to be done upstairs. I was already slightly intoxicated but agreed. On the way up, she forced me to buy her an expensive tequila shot and another drink for myself. Once in a private room upstairs, a bodyguard entered and began making intimidating movements toward me. 

The dancer then pressured me to drink more and aggressively demanded that I pull out my card and pay the bodyguard, refusing to tell me the price. She slid me a paper to sign and began yelling at me to sign it immediately while the bodyguard loomed nearby. I saw a charge of {$610.00} appear on my Apple Card and, feeling threatened and coerced, complied out of fear. After a short dance, she attempted to solicit additional money and XXXX favors. As soon as I saw the bodyguard was no longer present, I left the room. 

This incident left me shaken and emotionally distressed. I attempted to contact the club shortly afterward, but the call was unproductive and uncomfortable. 

Summary : Both of these charges were obtained through manipulative, aggressive, and unethical tactics while I was in vulnerable situations. I did not willingly authorize either transaction under normal, informed conditions. I am requesting the CFPBs assistance in investigating these incidents and seeking a resolution, including possible charge reversals or corrective action against these businesses. 


The apple card people told me they will do stuff but they have not helped me in any way. They just reopened the claims but never investigated or fought for me. They have now cold shouldered me and say they reopen the claims but just go ahead and close it and are now trying to force me into paying it off by not issuing credits for the charges and will not speak to me about steps they are taking to solve the issues.

Company response to consumer: Closed with explanation