Consumer complaint received 2026-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XXXX, I purchased an Apple Everything Gift Card from a Local XXXX, for the amount of {$330.00} cash. I purchased the gift card for the sole intent of using it as a form of payment to pay off my Apple Credit Card, ending in XXXX. At that time my credit card balance was approximately {$310.00}. I uploaded the gift card to my wallet, and at the time I received notice that my Apple Account had a balance of {$330.00}. 
However, upon attempting to pay my Apple credit card balance using the gift card that I had just uploaded, I realized that the transaction had gone in as a Charge to my Apple Card instead of a payment. I concurrently received notice that I now had {$660.00} in my Apple account, because of the charge that I erroneously made ; and my Credit Card balance was now approximately {$640.00}. 
I immediately called Goldman Sachs to report what I had done and asked if the erroneous charge could be reversed. 
Goldman Sachs told me that they would investigate and provisionally credited my Apple credit card for the {$330.00}.

In the meantime, the Bank also withdrew {$330.00} from my Apple account. 
Subsequently, Goldman Sachs denied my request and advised that I would be required to pay the {$330.00}. 
When I inquired about the {$330.00} which they withdrew from my Apple account, and requested that it be refunded, I was told that the Merchant had already credited me the XXXX. When I inquired which Merchant were they referring to, since I purchased the gift card from XXXX in Cash, they initially stated that the Merchant was Apple. I advised that I had not, and to this day have not, purchased anything from Apple. The Apple Representatives advised that they did not have anything to do with the Banks transactions, and confirmed that the funds should have been returned to me. Despite Apple intervening on my behalf, on XX/XX/year>, a Representative from Goldman Sachs told me that they were not going to refund the funds into my account. They are now claiming that the funds, i.e., {$330.00}, that I uploaded into my Apple a count on XX/XX/year>, was the money that they, Goldman Sachs, credited me and that they were not going to refund the {$330.00} they withdrew in XX/XX/year>. 
I asked the Representative to explain the money withdrawn from my Apple account, which is not available for my use, he would not. He repeatedly said that I had the {$330.00} in my account. When I tried to explain that the money in the Apple account is the money I uploaded with the gift card. He refused to respond, only saying that Goldman Sachs was not going to refund the money and that I had to pay the amount I charged in XX/XX/year>. 
I previously provided a copy of the receipt for the gift card that I purchased at XXXX, and a copy of the physical gift card. All to no avail. 
I know that I made a mistake when I tried to use the Apple everything gift card as a form of payment, and I readily admit that I charged the {$330.00} which was in my Apple account and withdrawn by the Bank, but if I am being required to pay for the erroneous charge, then the money should be returned/refunded to my account so that I can use it to purchase Apple products XXXX 
Attached, please find the receipt from XXXX as proof that I purchased the gift card in Cash.

Company response to consumer: Closed with explanation