Consumer complaint received 2025-01-31 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: CA

Complaint narrative:
Hello, I am reaching out to file a complaint Apples Goldman Sachs credit card and their inability to handle a simple customer dispute following a large transaction of {$2700.00} made on XX/XX/year>. I would like to begin this complaint by emphasizing the fact that I have had a couple issues in the past with fraudulent purchases after losing my Apple Goldman Sachs credit card ( with these disputes only being a few XXXX dollars ) and Apple was able to handle these disputes swiftly and thoroughly, but the second there is a large transaction involved without even proceeding the investigation they close my account. No warning, no follow up, just closed my account within XXXX hours of placing the dispute, the dates are shown on the provided screenshots of the emails following the dispute date. XX/XX/year> was the day I had filed my dispute.This gave me no chance to provide evidence on my case, as they ask for during the process of a dispute investigation to my knowledge. 

I had attempted to contact Apple about the closing of my credit account via telephone to their customer service team the day of closing ( XX/XX/year> ) and when asking why they had closed me account all they were able to tell me was the closure was due to suspicious activity without providing me a concrete reason. They had also stated that I will be able to reapply for the Apple credit card once the full balance is paid off. This is just wrong. This makes me feel like theyd rather close my account and make me pay the almost {$3000.00} dollar charge as opposed to giving me a fair investigation for this massive transaction. 

The merchant for this transaction was XXXX, a high fashion boutique that I have ordered from multiple times with no delivery issues. The only reason I has contacted XXXX for this dispute was because I had previously contacted XXXX about my order and why it says it was delivered, even asking for my refund they had denied even after telling them to compare signatures which they refused. After being refused an investigation by XXXX I had reached out to Goldman Sachs to see if I would finally be in good hands when it came to the investigation. As I had previously mentioned, instead of actually investigating my case, Apple had closed my credit card account just days later. 

Although this was earlier this year I still feel that till this day I wasnt provided a proper investigation regarding very large transaction that I had received literally nothing for. Thanks to Apple I am out almost {$3000.00} and would like to formally file a complaint. I have attached proof of all that has been mentions thus far. This included purchase dates, the conversations I personally had with the merchants, the email where the merchant had denied me of a refund due to proof of delivery stating it was signed, the attached proof of delivery showing a signature that doesnt resemble mine, etc. The same attachments shows that it was initialed as XXXX and there isnt a single person within my residence whose initial is XXXX. I have attached the email confirmation confirming my initial claim request as well as the email ( showing the date as well ) where Apple has decided to close my account just days after I had put in my claim request, not even allowing me to provide the evidence I need for a fair claim. 

I feel that this very unfair of Goldman Sachs as theyve provided me with a fair investigation before when the amount was a mere couple XXXX dollars. Why is it when the amount exceeds a high dollar amount I am denied a fair investigation and my account is closed and left with a high balance. As a major corporation you would assume theyd carry more morale when attempting to handle a transaction of this caliber. They had given me a resolution on the date of XX/XX/year>. 

I would like to file a formal complaint for unfairly handling my dispute for this transaction.

Company response to consumer: Closed with monetary relief