Consumer complaint received 2024-12-19 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:
XXXX transactions are being disputed. Both are for {$170.00} each, and the merchant is listed as XXXX XXXX XXXX XXXX. I have no idea who this merchant is, and I cant find any info on XXXX either. I have never transacted with this merchant. XXXX transaction happened on XX/XX/2024, the other happened on XX/XX/2024. 

Ive disputed these XXXX transactions 5 times now ( total of XXXX disputes ). Here are the dispute case numbers and dates, along with the dates of the outcome emails for each case number : XXXX ) XXXX ( {$170.00} ) made on XX/XX/2024, outcome email on XX/XX/2024 XXXX ) XXXX ( {$170.00} ) made on XX/XX/2024, XXXX email on XX/XX/2024 In both cases, the outcome emails said, Goldman Sachs Bank USA has XXXX XXXX XXXX dispute and found that no billing error occurred for the following reason : We reviewed available information which confirms that you authorized the purchase with the merchant. 

I reopened a dispute with XXXX XXXX XXXX and requested for the evidence/available info confirming that I authorized the purchases with the merchant. The representative confirmed that the evidence would be sent to me either via email or snail mail. These are the XXXX set of dispute case details : XXXX ) XXXX made on XX/XX/2024. I got an email on XX/XX/XXXX and XXXX 2024 asking for any correspondence with the merchant or proof that I did not get any product/service as promised. These were fraudulent charges by a merchant I never transacted with, how could I possibly have any such evidence? Outcome email arrived on XX/XX/2024. 
XXXX ) XXXX made on XX/XX/2024, outcome email on XX/XX/2024. 

Outcome emails said the same thing as before - that Goldman had re-investigated the dispute and ruled that the charge should remain. I proceeded to reopen the disputes, and details are as follows : XXXX ) XXXX made on XX/XX/2024, outcome email on XX/XX/2024. 
XXXX ) XXXX made on XX/XX/2024, outcome email on XX/XX/2024. 

This time, I received on XX/XX/2024 an email saying Attached are the copies of documents you asked for. The only attachment in the email was a PDF of the outcome of my dispute. No evidence or information substantiating the charge was given. 

Of course, the outcome emails on XX/XX/2024 said the same thing as the prior outcome emails. I reopened the disputes again, as follows : XXXX ) XXXX made on XX/XX/2024, outcome email on XX/XX/2024. 
XXXX ) XXXX made on XX/XX/2024, outcome email on XX/XX/2024. 

Again, I never received any info/evidence to support the fraudulent charges. The outcome emails said the same thing as before. So today I reopened the disputes again : XXXX ) XXXX made on XX/XX/2024 XXXX ) XXXX made on XX/XX/2024 I expect the outcome emails to say the same things as before. I decided to file a complaint against XXXX because of their terrible and irresponsible handling of the transaction dispute. The onus should be on the merchant to prove that their charge is justified. Ive never transacted with XXXX XXXX and dont know who they are, and cant find info on what they do or what products/services they provide. I believe that these XXXX charges of {$170.00} each are fraudulent and should be taken off of my statement permanently. If XXXX can provide evidence to support their ruling, I will happily pay the charges. I believe XXXX XXXX have any evidence, which is why theyve not sent me anything in spite of my repeated requests and disputes. That they should continue to charge me without any evidence is treating me, the consumer, unfairly. 

I hope you can help me resolve this and bring justice to light, thank you in advance.

Company response to consumer: Closed with monetary relief