Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/year> I was registering for a XXXX XXXX online class for {$150.00} that was going to be held on XX/XX/scrub>XXXX XXXX Once I agreed to pay the {$150.00} I was rerouted to register. During the process of registering I received a charge showing {$1800.00} that was declined. As alarming as this was, It was declined so I finished registering for the class as it only took a minute or two. I then received another charge for the same amount that was denied, but this time it was now approved by Apple Card without my authorization. I immediately called Apple Card within minutes of all this happening and explained in detail what I purchased and the amount that it should have been. At this time they could give me XXXX information about this purchase. Not a number, address or anyway of contacting this company. They could not even tell me what it was that was purchased. This began the journey of continual dispute every 90 days The first 3 months I had XXXX contact from the " back office '' dispute department at Apple. I thought it had been resolved as it was obvious I did not make the charge nor was I aware of what the purchase was when talking to Apple minutes after this happening. In 90 days they recharged my card without once reaching out to me. This is where discovery began. Who the company was, XXXX and a phone number that when I called no one ever answered yet a message was not allowed to be left. The next 90 days Apple Card provided me with an email address to reach this company. This time someone replied and I received correspondence 's that were extremely abnormal. A male person responded aggressively telling me to " just login to the account and just use it, we don't do refunds. '' Apparently me registering for the {$150.00} dollar class that I never did attended due to what I thought was a scam, the company XXXX  was able to capture my ISP address and said I purchased the amount of {$1800.00}, rather than the {$150.00} class I was registering for. 
Through the entire time I have felt this has been an Artificial Intelligence decision and not a real human addressing the problem that I called about minutes after the charge went through without my authorization. The reason I am able to say that is because every representative that I talked to from Apple Card ( about XXXX + at this point ) was amazing, however not any one of those Apple Representatives was able to talk to the 'Back Office '' either. XXXX communication could be had. So in XXXX XXXX XXXX I sent a certified letter with all pertaining documents proving what I originally thought I was purchasing. There was email with all info with the website online class that was used with the price clearly shown. What was more disturbing was that what I sent through USPS certified mail to the " Back Office '' in XXXX PA the Apple Card Representatives on the phone could not view as if nothing was done. They also could not talk to the " Back Office '' either. So all they could do is dispute it again. This where I still stand. I am hoping for your help resolving this matter and also in the process maybe addressing what appears to be a bigger problem, Artificial Intelligence running things without any human interaction. In the worse case scenario that I made a mistake and this was not a scam, they talked to me with in minutes knowing this was not what I was purchasing. Apple Card 1st denied the claim and never received my authorization for the second time charging this exuberant amount. They then talked to me immediately and I explained everything through a recorded call of what happened. Without a shadow of a doubt I was not purchasing something for {$1800.00} and that I had no idea of what it was. as of now I never logged onto the site again and I never was able to attend the class, due to what I thought was fraud.

Company response to consumer: Closed with monetary relief