Consumer complaint received 2025-10-20 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:
I am submitting this as a third attempt to have my complaint regarding unauthorized charges reviewed. This submission includes new supporting evidence not provided in prior submissions.

Disputed Charges : -Initial charge : {$19.00} -Subsequent charges : {$290.00} annually ( recurring subscription ) I did not authorize any recurring yearly charges of {$290.00}. It was impossible for me to do so without proper awareness or notification. I was never provided confirmation of the initial {$19.00} charge, nor any mechanism to be informed of a recurring subscription.

Evidence of Apples Mishandling : Apple failed to forward any merchant communications, including contracts, confirmations, or notifications, which denied me the ability to be an informed and willing consumer for these transactions.

I have attached screenshots and correspondence showing Apples failure to deliver these communications.

Merchant Acknowledgment : The merchant involved sided with me and refunded a disputed charge for XXXX but was unable to resolve my dispute for XXXX.This demonstrates acknowledgment of unfair handling and corroborates that I did not authorize all charges.

Goldman Sachs Failure to Provide Proof : To this date, Goldman Sachs has failed to provide any documentation demonstrating that I knowingly and willingly authorized these recurring charges, leaving their claim entirely unsupported. 

XXXX Handling : I submitted this complaint to the New York XXXX XXXX XXXX XXXX XXXX ( XXXX  ) starting in XX/XX/XXXX. XXXX repeatedly stated that Goldman Sachs requested new evidence, yet XXXX did not acknowledge or review the evidence I submitted, including merchant refunds and Apple communications. 

Most recently, XXXX response on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX explicitly stated : We regret that we can not be of assistance to you.

This demonstrates a pattern of systemic failure by both the financial institution and the regulatory body tasked with oversight.

Requested Resolution : I request CFPBs assistance in obtaining the following : Full reversal of the XXXX unauthorized charges ( {$290.00} recurring annual fees ).

Documentation from Goldman Sachs proving authorization of any disputed charges.

Written acknowledgment of Apples failure to deliver communications and DFSs prior mishandling.

Guidance on additional steps if these failures continue.

Attachments ( New Evidence ) : -Merchant correspondence and refund confirmation -Apple communications showing failure to forward merchant information.

-Any screenshots relevant to proving lack of authorization or purchase history -Lack of receipts generated from Apple indicating initial authorization of {$19.00}.

This complaint highlights the systemic failures that left me unaware of unauthorized charges and without proper recourse. I am providing this third submission with additional evidence to demonstrate my full cooperation and the documented failures of both Apple and Goldman Sachs. I respectfully request CFPB intervention to ensure consumer rights are upheld.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation