Consumer complaint received 2025-10-01 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: FL

Complaint narrative:
I am writing to file a formal complaint against Goldman Sachs Bank, N.A. ( issuer of the Apple Card ) for their repeated refusal to properly review and resolve my chargeback dispute regarding a fraudulent and unsafe transaction. Despite providing extensive documentation and regulatory evidence, Goldman Sachs has denied my dispute three times without adequately addressing the facts presented. 
Summary of the Dispute Transaction : {$980.00} purchase ( later partially refunded to {$880.00} requested dispute amount ) with XXXX XXXX on XX/XX/year>, via my Apple Card ( Mastercard ending in XXXX ). 
Dispute Case Number : XXXX. 
Issue : The merchant provided compounded injectable medication from XXXX XXXX, which was operating illegally without the required sterile compounding license. 
Health & Safety Risks : Using these medications posed serious health risks due to sterility violations, failed inspections, and improper storage. 
Merchant Misrepresentation : XXXX XXXX misrepresented the source of the product, then retracted multiple refund offers, leaving me with unsafe, unusable medication. 
Evidence I Submitted to Goldman Sachs 1. Florida Department of Health case documentation ( Case # XXXX ) confirming XXXX XXXX violations and voluntary surrender of its license. 
2. Photos of vials labeled from XXXX XXXX. 
3. Emails from XXXX XXXX acknowledging issues but refusing refund despite prior commitments. 
4. Written denials from other pharmacies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX confirming they did not manufacture my vials, despite XXXX claims. 
5. Merchants refund/cancellation policy ( showing they failed to honor it ).

6. Supporting media coverage further documenting the issue.

Failure of Goldman Sachs to Properly Investigate Each time I call Goldman Sachs to follow up, representatives tell me to reopen the case. However, when I do, the review process is superficial : the dispute reviewers simply deny the claim again without asking me for clarification, additional documents, or even acknowledging the evidence I already submitted. 
This repetitive cycle has left me with no meaningful path to resolution. I feel my case has been rubber-stamped denied rather than genuinely reviewed, which is contrary to the intent of Regulation Z ( Truth in Lending Act Fair Credit Billing Act protections ). 
My Request I respectfully request that the CFPB investigate Goldman Sachs handling of my dispute and enforce compliance with applicable consumer protection laws. Specifically, I request : That Goldman Sachs be required to properly review the documentation I submitted. 
That Goldman Sachs permanently reverse the charge of {$880.00} on my account, as the product was unsafe, misrepresented, and legally non-compliant. 
That Goldman Sachs be held accountable for failing to provide the protections consumers are entitled to under federal law. 
I am attaching my original dispute letter, supporting evidence, and copies of Goldman Sachs denial communications for your review. 
Thank you for your attention to this matter. Please contact me if additional information is needed.

Company response to consumer: Closed with monetary relief