Consumer complaint received 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Summary My Apple Card balance is overstated by {$25.00} because a temporary authorization ( ghost hold ) remained on the ledger long after the final, lower transaction posted. Although the Wallet app notes that New Spending will also include any pending transactions, this authorization is no longer visible in the transaction list, so I can not pay or track ityet it is still included in XXXX XXXX and reduces my available credit. 


Timeline & Facts XX/XX/year> XXXX placed a {$25.00} pre-authorization on my Apple Card ( Exhibit D, chat confirmation ). 
Immediately afterward XXXX captured the final amount of {$14.00}, which posted the same day ( Exhibit C ). 
Apple Cards ledger now contains both the {$25.00} pending hold ( inferred from Exhibit D ) and the {$14.00} posted charge, while the Wallet overview ( Exhibit A ) still shows {$45.00} New Spending, inflating my balance by {$10.00} ( see Exhibit E ). 
XX/XX/year> statement closed correctly at {$43.00}. With legitimate XXXXcycle charges ( XXXX {$15.00}, XXXX XXXX$14.00}, XXXX {$2.00} posted + {$2.00} posted ) my balance should be {$79.00}. Instead, Apple Card displays {$89.00} ( see Exhibits B and E ).

I discovered the {$10.00} discrepancy when my third-party budgeting app ( XXXX ) flagged an unreconciled difference between posted transactions and the balance reported in Wallet, prompting this investigation ( Exhibit F ). 
Control test : XXXX perfectly matched my linked Apple Savings balance ( {$72.00} vs {$72.00} ), confirming the sync is accurate and the discrepancy is isolated to Apple Card ( Exhibit G ). 
XX/XX/year> Apple Card chat support confirmed the hidden {$25.00} XXXX authorization was still pending and said it should drop in 13 business days ( Exhibit D ). The chat closed with I hope you have a wonderful Monday, confirming the date as Monday, XX/XX/XXXX. Note : Support also mentioned a pending XXXX charge, but that transaction cleared later in the week and is reflected in the posted balance ( see Exhibit B ). 
XX/XX/year> ( day of filing ; Business Day 5 ) Wallet still showed {$45.00} New Spending and a total balance of {$89.00} ; see Exhibit H-1/H-2 ( timestamped screenshots ).

Why this is a problem Invisible charge Once the final amount posts, the original authorization disappears from Wallet, so consumers can not see or pay iteven though it is still counted in XXXX XXXX. 
Duplicate accounting Holding both the pre-auth and the captured amount overstates outstanding balance and reduces available credit for days ( Exhibit E ).

No consumer recourse Support can not manually release or apply payment to the ghost hold ; users are told simply to wait, contrary to the stated 13-day clearing window.

Third-party verification YNAB accurately detected the mismatch ( Exhibit F ) and confirmed the syncing connection is sound ( Exhibit G ), showing the error originates within Apple Cards ledger logic.

Steps Ive taken Provided support with screenshots and an itemized math breakdown ( Exhibit E ).

Requested manual release of the {$25.00} hold after the 3-day window lapsed.

Was told the system is correct and to wait longer ( Exhibit D ).

Monitored daily ; discrepancy persisted through Business Day 5.

This submission reflects the status of my account as of Friday morning, XX/XX/year>, when the issue had persisted beyond the promised 13 business-day window. If it is resolved after this point, I still request that the complaint be recorded to document the timeline, lack of timely resolution, and to encourage interface changes that prevent invisible ghost holds from misleading consumers.

( Please see Exhibits AH for full visual evidence and annotated calculations. )

Company response to consumer: Closed with explanation