Consumer complaint received 2025-04-03 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: CA

Complaint narrative:
I am filing this complaint to formally document a dispute involving XXXX and Apple Card Services, operated by Goldman Sachs. Despite my extensive efforts to resolve this issue, I have been left without the purchased tickets, no refund, and no resolution from my credit card issuer. 

Summary of the Dispute : Original Purchase ( XX/XX/XXXX ) : I purchased tickets through XXXX for a XXXX XXXX concert, advertised as scheduled for XX/XX/XXXX. 

The total transaction amount was {$530.00}, paid via my Apple Card. 

Erroneous Event Date and XXXX  Refusal to Refund ( XX/XX/XXXX ) : Shortly after the purchase, XXXX notified me that the event was rescheduled to XX/XX/XXXX, which was confusing because that was the originally advertised date. 

Upon further investigation, it became clear that XXXX had listed the wrong yearthe concert was actually scheduled for XX/XX/XXXX, not XXXX. 

There was no evidence that an XX/XX/XXXX XXXX XXXX concert was ever scheduled for XXXX XXXX. 

Despite this clear error, XXXX refused to refund the purchase, claiming it was a rescheduled event rather than an outright mistake. 

Initial Dispute with Apple Card ( XXXX - XX/XX/XXXX ) : Given XXXX refusal to issue a refund, I filed a dispute with Apple Card Services in XX/XX/XXXX. 

In XX/XX/XXXX, Apple Card ruled in favor of XXXX, denying my request for a chargeback. 

New Development : Cancellation and False Refund Claims by XXXX ( XXXX XXXX XXXX XXXX Upon reviewing my XXXX account, I discovered that the tickets for XX/XX/XXXX had been entirely cancelled. 

I contacted XXXX, and they claimed they had refunded the full amount to my original payment method ( Apple Card ). 

However, upon reviewing my Apple Card statements, there was no record of any refund issued. 

Reopened Dispute and Repeated Denial by Apple Card ( XX/XX/XXXX ) : Given this new information, I reopened the dispute with Apple Card, providing evidence that no refund had been received. 

As of XX/XX/XXXX, Apple Card has again ruled in favor of XXXX, despite there being XXXX record of a refund. 

Final Action : Account Closure Due to Lack of Consumer Protection ( XX/XX/XXXX ) : On XX/XX/XXXX, I contacted Apple Card Services to formally close my account. 

The lack of resolution to this matter and failure to recognize clear evidence led to my decision to cease my relationship with Apple Card. 

Additional Context : Several friends who purchased tickets for the same event through XXXX were able to obtain chargebacks through their respective credit card issuers, indicating that other financial institutions recognized the erroneous nature of this transaction. 

As a result of XXXX XXXX inaction, I am now left without tickets and out of pocket for the full {$530.00}, while other consumers received refunds for identical circumstances. 

Request for Investigation : Given the overwhelming evidence that XXXX both misrepresented the event date and falsely claimed to have issued a refund, I am requesting : A formal investigation into this matter to determine why Apple Card ruled against my dispute despite clear evidence that no refund was issued. 

A review of XXXX policies regarding event rescheduling and cancellation practices to ensure consumers are not misled. 

Consideration of regulatory action if systemic issues in Apple Cards dispute resolution process are found. 

I appreciate your attention to this matter and look forward to any updates regarding its review. Please confirm receipt of this complaint and provide any next steps.

Company response to consumer: Closed with monetary relief