Consumer complaint received 2025-11-04 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: AR

Complaint narrative:
In XXXX XXXX XXXX  I received a bank alert from my bank account stating my account was in the negative. I had no idea why as I rarely used my bank account. After talking to my bank, I learned there were around $ XXXX in charges from a company called XXXX XXXX XXXX It was maybe XXXX small charges all processing through my XXXX account. I immediately checked my XXXX account and found it had been compromised somehow, as well as my bank account which was connected to it and my Apple Card which I had rarely used since opening the Apple Card account a few months prior. After a fraud investigation through my bank, my money was returned to me and my account was issued new virtual card numbers. I contacted Apple to explain this had also happened with the Apple Card as it was also connected to the XXXX account where the fraudulent charges all connected to. Apple customer service repeatedly told me I was not responsible for charges I did not approve and disputed them. It's been 11 months now and I'm still fighting Apple to do something about this insane amount of money they are continuing to charge me as well as the interest charges. Roughly XXXX separate charges amounting to possibly {$3500.00} or more has been charged to me, the dispute results i keep getting emailed back to me tell me nothing other than Apple believes these charges were all authorized by me and the charges will remain on my account. The account was shut down not long after the fraud disputes began. I believe the initial date of contact when I noticed this horrible mess and contacted Apple Support was XX/XX/year>. I still have not been sent any documentation in the mail about this at all, whatsoever. Nothing that shows me they actually investigated these charges, nothing proving I made these purchases. This last year has been a constant battle of going back and forth telling them I did not authorize any charges from the merchant XXXX XXXX XXXX and them reversing the temporary credits and emailing me saying they have found that I approved these transactions and the charges will remain on my account. I've never dealt with anything like this before in my life. I searched for the company myself and tried to email XXXX XXXX XXXX but after the initial email telling me someone would respond soon, I received a message stating I had been banned from the platform. I reached back out to Apple to find out where I could submit these emails as proof of me reaching out for help and being banned, as well as proof of my XXXX fraud issues I went through with my bank, They stated I would receive a secure link to upload sensitive documents but that never happened. I have been put off and ignored by Apple Card for almost a year now and after struggling to try to prove my innocence and get someone to believe I'm not guilty of what they have accused me of, I'm very likely to never have a credit card again. This experience has been stressful and traumatizing. I can not afford a bill of $ XXXX XXXX dollars for purchases I did not make. This company has a very bad attitude of " Guilty until proven innocent '' and I strongly encourage anyone looking into credit cards with Goldman Sachs/Apple Card to absolutely be cautious because they will hold you responsible for every transaction made with no follow up on why they have even determined it's your fault. I have not received a single letter from these people about this situation except for the new credit card they had originally sent me immediately after I told them what had happened. I do believe this is a violation of my rights under the Fair Credit Act and I will continue to fight this.

Company response to consumer: Closed with explanation