Consumer complaint received 2025-11-10 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: NY

Complaint narrative:
b'In XXXX XXXX my Apple Card information was compromised and I had multiple charges for small amounts a.k.a. pre-authorizations attempt to be billed on my card. I contacted Apple Card support and reported these charges to which my card number was then changed for a weeks after continually there were charges that were attempting to be pre-authorized further showing that the people who stole my information were still trying to gather profits against my card unfortunately, at this time, one of the charges remained and stayed prior to me being able to identify it when I had requested to change my card information because the merchant is named XXXX  XXXX XXXX  to switch at that time I thought was something related to XXXX XXXX. After paying my card completely down from the XXXX  amount I had used over the years I noticed a reoccurring charge that was different in the monetary amount every single month but would continue to charge around the same time each month for 2 1/2 years. This was the merchant charges from XXXX  XXXX  XXXX. I did my own due diligence and looked into what this merchant is to make sure that it is not something that I ever intended to use or accidentally signed up for XXXX  XXXX  XXXX (XXXX) is a cloud computing platform that provides on-demand IT resources and services like computing power, storage, and databases on a pay-as-you-go basis. this merchant is something I never authorized charges to be billed against me for this merchant is something I never signed up for this merchant is something Ive never used worked with or known about therefore, I initiated disputes that stemmed back to the originating date around XXXX XXXX and provided all information to Goldman Sachs/Apple card and told them exactly what I have now mentioned in this statement that I never signed up for this this mustve been from around the time my card was compromised, and that was one of the charges that I did not initially dispute that they were able to continue using my card after it had a change because I had not noted that as one of the charges that I did not recognize at that time, I have initiated these diffuse now three times because twice Goldman Sachs has come back after crediting me temporarily during the dispute and they have now said twice they contacted the merchant and I am now responsible for those charges so therefore theyre charging back all of the credit. I have attempted to resolve this so many times with the company over the past 2 1/2 weeks I have called relentlessly I have had agents hang up on me. Agents have promised things like they would file these dispute and not in my account properly which they havent. Ive asked for the evidence from the fraud department for them to provide me how they came to the conclusion that I would be responsible they have not Ive even requested to initiate a court hearing in regards to clearing this up because again, I am not responsible nor authorizing any of these charges to be against my account and Goldman Sachs continues to deny me any right to clear this app they have not sent me any sort of link in an email which they had promised on a recorded line that they would do so so I could securely upload my own evidence showing that Im not responsible nor have I ever had an account with this merchant they continually lied to me they have not provided me any of the Evan as they say they found it in regards to how they were able to come to the conclusion twice on overturning my dispute and right now I am at a loss because this company continues to go back-and-forth with me lie and defraud me as a customer'

Company response to consumer: Closed with explanation