Consumer complaint received 2025-12-22 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: IN

Complaint narrative:
b'Goldman Sachs Bank USA, issuer of the Apple Card, has grossly failed to comply with federal consumer protection laws. After I reported my Apple Card as stolen in XXXX XXXX and was assured the account was closed, the bank allowed fraudulent transactions and auto-debits to persist for over a year and continued to pull funds from my XXXX  and XXXX  accounts without authorization. Despite my repeated contactsover 131 dispute cases confirmed in writingand multiple fraud determinations that resulted in permanent credits, Goldman Sachs still has not returned the full disputed amount of $XXXX. The back office refuses to provide any reimbursement timeline, fails to document escalations or call-back commitments, and cannot provide written confirmation that post-closure charges are unauthorized and resolved. This pattern demonstrates a systemic disregard for the Fair Credit Billing Act, the Electronic Fund Transfer Act, and the Truth in Lending Act. The bank is failing to execute reimbursements after confirmed fraud and failing to stop unauthorized electronic fund transfers. I am requesting CFPB intervention to compel Goldman Sachs Bank USA to immediately return all disputed funds, reimburse unauthorized auto-payments, provide written confirmation that all post-closure charges are unauthorized and resolved, and confirm in writing the method and date of final reimbursement. After more than a year of good-faith efforts, the banks disregard for consumer protections warrants decisive regulatory action.\n\nI have compiled a list of **86 unique disputed charges** from XXXX XXXX XXXX, to the present, based on the individual dispute notification emails from Apple Card Support (Goldman Sachs Bank USA)XXXX XXXXDisputed Charges for CFPB Filing (86 Items)**\n\nPlease note: Any transactions marked with `(No date)` or `(No merchant name)` were not explicitly named in the body of the dispute email.\n\n| Merchant Name               | Charge Amount | Transaction Date | Refer ID (Dispute Case Number) |\n| :-------------------------- | :------------ | :--------------- | :----------------------------- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXApple XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAppleXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (No date) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNo date)        XXXX XXXX XXXX XXXXAppleXXXX XXXX XXXX XXXX (No date) XXXX XXXX XXXX XXXXApple XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXApple XXXX XXXX XXXX XXXX  (No date) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXApple XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXApple XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXApple XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXApple XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (No merchant name) XXXX XXXX XXXX  (No date)        XXXX XXXX XXXX (No merchant name)          | (No amount)   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXApple XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  (No date)        XXXX XXXX XXXX XXXXApple XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  (No merchant name) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXApple ServicesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXApple XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (No merchant name)          XXXX XXXX XXXX (No date)        XXXX XXXX XXXX (No merchant name) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (No merchant name)          | (No amount)   XXXX XXXX XXXX XXXX XXXX XXXX XXXX (No merchant name)          | (No amount) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXApple ServicesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  (No merchant name)          XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  (No merchant name)          | $21.39        | Sep 7, 2025      | D-20152591                     |\n| (No merchant name)          XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  (No merchant name)          | (No amount)   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  (No merchant name)          | (No amount) XXXX XXXX XXXX XXXX XXXX XXXX XXXX (No merchant name)          XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (No merchant name)          XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (No merchant name)          | (No amount)   XXXX XXXX XXXX XXXX XXXX XXXX XXXX (No merchant name)          | (No amount) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAppleXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXApple XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (No merchant name)          | (No amount)   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXApple XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (No amount)   | (No date) XXXX XXXX XXXX XXXXApple XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXApple XXXX XXXX XXXX XXXX  (No date)        XXXX XXXX XXXX XXXXApple XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (No merchant name)          | (No amount)   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  (No merchant name)          | (No amount)   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  (No merchant name)          | (No amount) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXApple XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXApple XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (No merchant name)          XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXApple XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXApple XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  (No merchant name) XXXX XXXX XXXX  (No date) XXXX XXXX XXXX (No merchant name)          XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (No date) XXXX XXXX XXXX XXXX XXXX XXXX XXXX (No date)        XXXX XXXX XXXX XXXX XXXX XXXX XXXX (No date)        XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXApple XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  (No amount)   | (No date) XXXX XXXX XXXX  (No merchant name) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXApple XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXApple XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX| (No merchant name) XXXX XXXX XXXX (No date) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAppleXXXX XXXX (No amount) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAppleXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (No date)        XXXX XXXX XXXX XXXXAppleXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (No date)        XXXX XXXX XXXX XXXX XXXX  (No amount)   | (No date) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  (No date)        XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (No date)        | XXXX XXXX XXXXAppleXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (No date) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (No date)        XXXX XXXX XXXX XXXX XXXX XXXX XXXX  (No date) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (No date) XXXX XXXX XXXX XXXXAppleXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAppleXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (No merchant name) XXXX XXXX XXXX (No date) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX (No date)        XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAppleXXXX XXXX XXXX XXXX (No date)        XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (No date)        XXXX XXXX XXXX XXXXAppleXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  (No date)        XXXX XXXX XXXX XXXXAppleXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAppleXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  (No merchant name)          XXXX XXXX XXXX   (No date) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  (No amount) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  (No amount)   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAppleXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   (No merchant name)          XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAppleXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (No date)        | XXXX XXXX XXXXAppleXXXX XXXX $XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (No merchant name)          | $XXXX XXXX (No date)        | XXXX XXXX XXXXAppleXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAppleXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAppleXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (No merchant name) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (No date) XXXX XXXX XXXX (No merchant name)          | (No amount)   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAppleXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (No date)        XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (No date) XXXX XXXX XXXX (No merchant name)          | (No amount) XXXX XXXX XXXX XXXX XXXX XXXX XXXX (No merchant name) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  (No date)        XXXX XXXX XXXX XXXXApple**                   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   (No merchant name)          | (No amount) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  (No merchant name)          | (No amount)   | XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation