Consumer complaint received 2024-04-09 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: TX

Complaint narrative:
On XX/XX/2023 I opened the dispute with Goldman Sachs, Apple Card in regards to the incorrect balance that appears on the billing statement and the ongoing interest charges. Below is the basis of my complaint. 

XXXXMy complaint / dispute is the following : XXXX. No balance is owed on the account because it has been paid in full. They are simply miscalculating and misapplying the refunds and adjustments to the statement. They are not following the terms and aggrement for the card. 

XXXX. Stop charging interest if no balance is owed. 

XXXX. Correct the balance and REFUND me for the overpayments I have made. 

To support my claim I have attached : XXXX. ) pictures of their calculations from the Apple Pay app which provide proof of my claim. 
XXXX. ) XXXX statements which include the total interest charged for each year, XXXX. ) Screenshot of the spreadsheet I created to calculate the true balance. All amounts on the spreadsheet I created are directly from the information they provided in the app. All I did was calculate the totals. 

As of today I overpaid the card by a minimum of {$600.00}. 

XXXXApplecard Goldman Sachs affirms what I am disputing as FACT and provides this information within the ApplePay app!!! 

In 2023, Apple Card Goldman Sachs began providing a weekly, monthly, and yearly breakdown in the Apple Pay app. This is included the following for each week, month, and year : I. Spending XXXX. XXXX XXXX XXXX. Interest XXXX. Payments made XXXX Refunds VI. Adjustments. 

Based on the calculations Goldman Sachs provided within the breakdown, it is more than evident that my calculations were correct. 

XXXXACTIONS I HAVE TAKEN in an EFFORT to RESOLVE the situation On dozens of occasions I filed a dispute with Applecard GS. This began XX/XX/2023 when I disputed the fact that no balance is owed on the account and thata Credit is owed to me for overpayment of the true balance owed. I informed them that no further interest charges should be Applied no balances owed. Each time they attempt to inform how interest works. Obviously they were not listening to what I was stating. After reiterating my complaint to the representative/specialist, I am then told that they will have my complaint escalated my and it will be reviewed. Furthermore, they stated I would hear back in the coming days. 

However, to this day I have not heard or been sent a response regarding the balance and ongoing interest charges. In fact, no attempt to respond has been made on by Goldman Sachs and it is apparent they have not reviewed the matter. 

Again it has been over 120 days since I first filed the complaint and 90 days since I most recently resubmitted my claim. This simply unacceptable and not in compliance with the laws that they are governed by. In fact the manner in which they have ignored me is abusive. To this day their response has been NOTHING!!!

Company response to consumer: Closed with non-monetary relief