Consumer complaint received 2024-08-24 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: OR

Complaint narrative:
Dear Sir/Madam, I would like to complaint against the Apple Card issued by Goldman Sachs Bank .

The disputed fraud charge is XXXX XXXX XXXX XXXX XXXX charging my apple card for additional {$3500.00}. 

Following case ( s ) already raised wrt to this Fraud Charge wrt to below dispute ( s ) XXXX XXXX XXXX XXXX XXXX Currently Ongoing but every time Goldman Sachs Apple card dispute team denying this charges without providing any clear justification on what grounds the charges are being denied.

Mere one line explanation repetitively is totally not a professional way of rejecting and closing a request in XXXX XXXX favor. This is highly unethical and Immoral a

nd unprofessional by the bank and to add the insult on top of that no justification whatsoever to myself? 4 times denial just an email with this below verbiage- We further investigated the dispute and reviewed any additional information that may have been provided. Based on our review, the original decision will remain because there is no evidence to substantiate the claim My Main argument is ( i ) The Apple card is added to their file if in case anything more billing to be done but they never answered by any means the contact I tried with XXXX XXXX XXXX what additional charges I had incurred, and do they have any bills and receipts?

( ii ) When someone takes some services there should be the bills attached for the services being provided. Nothing here shared one liner explanations from Goldman Sachs bank and denials.

( iii ) They can not take the help of the agreement every time all sales are final for what? Apple card had {$8100.00} of money max limit ; does that means they can deduct the entirety amount on this card as the sales are final without providing the bills? What type of Investigation is this done by Goldman Sachs bank???

( iv ) Clearly, its a lack of clarification and all the earlier 4 Investigations done was in a hurry and denials.

( v ) The agreement also refers to the point where if any amount deducted to be refunded back if no bills and or services provided. Have the Goldman Sachs gone to the entirety of the agreement I had shared with you folks????

I am providing the below explanation, again which I believe will help clarify the situation : 1. Based on earlier denial statement that all sales are final, but what sale If I did not taken any of the services and payment already made to them separately via XXXX  XXXX XXXX debit card in the amount of {$3100.00} and the apple card added to the case file additionally as surety there is no proof that I authorized this additional {$3500.00} from my apple credit card to this firm and for what purpose? This explains the burden of proof that this charge is not legit and authorized and need to be refunded back and thus disputing it. 
2. I hired the XXXX XXXX XXXX to help assisting in my Ex-Boyfriend, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and provided them original amount via my XXXX  XXXX XXXX XXXX XXXX  on XX/XX/year> with a sum of {$3100.00} for his XXXX. 
PROOF : Snippet below from XXXX  XXXX XXXX, checking account- 3. Ive added my Apple credit card to their file, as surety, if in case I need to pay them extra, however the situation never arises and the XXXX XXXX company person I was interacting no more works there and thus someone withdraws additional {$3500.00} from my apple credit card from this bail bond professionals company.

4. Repeated phone calls and no response from them thus initiated the dispute with Goldman Sachs.

5. This seems to be an error as per below contract signed with them, I need to pay them, {$3100.00} that I paid via XXXX XXXX XXXX XXXX XXXX as explained above, there is no valid reason they should deduct my additional {$3500.00} from apple credit card that I am disputing, and my request is legit.

I have taken care to compile these materials to the best of my ability, ensuring that they accurately reflect the circumstances surrounding the disputed transaction. I trust that this information will aid in your investigation and contribute to a fair and equitable resolution.

Please let me know if there is any additional information or documentation that you require to assist with the dispute resolution process. I am committed to providing any further support necessary to help expedite the investigation.

I kindly request that you acknowledge the receipt of these documents and provide an estimated timeline for the resolution of my dispute. Your prompt attention to this matter is greatly appreciated.

I left with no choice that my Consumer rights were being violated and I had to take this case of Goldman Sachs to the Oregon state consumer affairs board as this is violating the consumer protection rights of fraud that Goldman Sachs gave it to their customers and here they are in complete denials.

Reference details, why should I take my case with XXXX and with federal and State consumer forum : XXXX XXXX  Feds looking at Goldman Sachs ' Apple Card business unit XXXX XXXX XXXX  When an Apple Card user disputes a transaction, Goldman has to seek a resolution within regulatory-mandated timelines, and it sometimes failed at that, said the people, who requested anonymity to speak candidly about the situation. Customers were sometimes given conflicting information or had long wait times, the people said Per the Apple card customer Agreement I had made via apple to Goldman Sachs- Clearly states this below- and the way my claims are being denied back and forth without any clarifications is highly unprofessional and unethical way of doing the business by Goldman Sachs .

Thank you for your time and assistance in this matter. I look forward to a swift resolution and a fair outcome Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation