Consumer complaint received 2026-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I do not accept their response. None of my issues were addressed. Especially considering in XX/XX/year>, the CFPB ordered Apple and Goldman Sachs to pay over {$89.00} XXXX for mishandling Apple Card disputes, misleading marketing, and failing to provide promised interest-free financing. They are still engaging in misleading non transparent business which I do not accept and will continue to fight until all my legal rights are exhausted. I paid the remainder on my balance bc as this dispute was still active they continued to charge me interest. I paid it off to avoid interest. But I am still claiming it be fully returned due to their mishandling and lack of transparency. And I am demanding real answers to the following questions which they have not answered : 1. Why is my payment due before I receive a full statement? They claim I signed an agreement with them. But according to the Fair Credit Billing Act ( FCBA ), you have the right to receive credit card statements at least 21 days before your payment is due. If their consent to use credit card goes against this law then its void bc they are legally required to follow it. I only receive an amount to pay before I am give access to full statement. This goes against the fair credit billing act. How are they legally allowed to do this? 2. I never received anything in the mail from them. Everything is electronic. 3. I called company back and spoke with repre sentative. I asked to speak with a supervisor and was told a supervisor will review case and contact me. I only received their response via this complaint and have yet to speak with anyone directly from the company. I have been arguing with chat bots and low level employees all who have not given me any real answers to my questions. I deserve answers and not ai generated answers or apologies with no answers and promises of a supervisor reviewing my claim. When will a real supervisor address my legit complaints fully in writing? 4. Why I was never clearly prompted to set amount to pay. Pay wheel was automatically set to pay balance and I thought that meant I was paying entire amount and not incurring interest. Only once I realized I was paying interest did I contact a representative who told me I wasnt paying full amount but only minimum amount. Once I realize I was being tricked into paying interest I closed my card immediately. Their system / pay wheel does not allow you to pick amounts and wrongly makes you think paying full amount. Dishonest and designed to cause interest. Why does the pay wheel not include totally amount owed and wrongly set at minimum amount without clearly showing? Especially since statement isnt available have no way of knowing what you actually owe. 5. After I became aware of unethical practices I closed my card immediately and went into system to change payment to pay full balance. I then paid the full amount system allowed. And then I received XXXX plus charge? I paid off the full amount and still paying? Bc they set the system to hide charges so you end up paying interest. Even after I paid off remaining balance of XXXX plus interest I still had an amount left over? I do not want to receive any more surprise balances from this company! I want this card ended. How are they allowed to trick customers with a pay wheel that keeps adding more charges with unclear information? No other credit card company does this kind of dishonest reporting. 6. What changes have they made to ensure transparency and honest reporting to consumers since XX/XX/XXXX lawsuit. Because from my experience they have not learnt their lesson and their card is all about lack of transparency to charge customers more. I am demanding they respond to all 6 questions wit real answers or I will continue to use every legal action in my power to force them to right their wrong.

Company response to consumer: Closed with explanation