Consumer complaint received 2026-05-13 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: GA

Complaint narrative:
I am submitting this complaint regarding an Apple Card account issued by Goldman Sachs Bank USA in connection with a returned XXXX purchase that resulted in unexpected residual charges and derogatory credit reporting. In approximately XX/XX/year>, I contacted Apple by phone because I urgently needed a replacement XXXX after my previous device stopped functioning. During the sales process, I was offered the option to pay monthly for the device. While I understood this to be a financing arrangement connected to the purchase, I was not clearly advised that accepting this option involved opening and maintaining a Goldman Sachs Apple Card revolving credit account. After receiving the device, I quickly determined that I did not want to keep it. Within approximately two days, I contacted Apple, initiated the return process, and specifically requested cancellation of : - the XXXX purchase, - XXXX, - and the associated financing/payment arrangement. Apple later confirmed receipt of the returned device on XX/XX/year>. I also followed up again afterward to confirm that all associated services and financing obligations had been canceled. During those conversations, I was informed that the matter had been taken care of. Based upon those representations, I reasonably believed the financing arrangement and associated account obligations had been fully resolved following the return and refund process. In XX/XX/year>, I unexpectedly received derogatory credit alerts from XXXX and XXXX. This was the first indication I had that an Apple Card account allegedly remained active and past due. On XX/XX/year>, I contacted Goldman Sachs Apple Card support. During those conversations, a representative instructed me to locate the Apple Card account inside Apple XXXX on my XXXX. Until that moment, I was not even aware that the Apple Card XXXX account remained active. Goldman Sachs representatives acknowledged during chat communications that I was not fully advised regarding the Apple Credit Card relationship connected to the financing arrangement. I immediately paid the remaining balance in full once I became aware of it. According to the statement, the remaining balance consisted of residual amounts and interest rather than ongoing purchases or intentional card usage. My concern is that : - I specifically requested cancellation of the financing arrangement following the returned purchase ; - I reasonably believed the matter had been fully resolved ; - I was not adequately informed regarding the ongoing Apple Card account relationship ; - residual charges continued after the return process ; - and derogatory credit reporting resulted from this confusing and inadequately disclosed process. I respectfully request review of : - the handling of the cancellation and financing process, - the continuation of the Apple Card account after the returned purchase, - the resulting residual balance and charges, - and the derogatory credit reporting that resulted from these circumstances. I am requesting appropriate corrective action, including review of the resulting credit reporting associated with this matter. XXXX XXXX

Company response to consumer: Closed with non-monetary relief