Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am a XXXX XXXX XXXX XXXX XXXX who rents out my extra room on a daily, weekly or monthly basis ( similar to an XXXX XXXX XXXX XXXX type situation ) And so i rented my room out for 10 nights to a man named, XXXX XXXX who made two payments of {$520.00} to cover the total rent costs of {$1000.00} + {$40.00} cc processing fees. Which he paid for using his girlfriends Apple credit card, with her permission. While staying here I witnessed him on numerous occasions call the cc company to make false claims about purchases he indeed was responsible for. After witnessing his shady behavior first hand as well as him stealing money from my bedroom, we asked him to leave once his XXXX day was up. In retaliation he has called the cc company to claim that the {$520.00} payments that we processed using our square cc reader were supposedly fraudulent charges not made by the account owner. 
So when I received the charge back from XXXX, I contacted the account holder for the Apple credit card, which was XXXX XXXX ( XXXX girlfriend ) and she claimed to have no knowledge of XXXX using her cc, which I know is a lie, because when I heard him call the Apple credit card operators, they had to send a verification code to the account holders phone number on file, since he was calling from his phone and not her phone number, she would receive the text message verification code and then text it to him so he could repeat it to the customer service operator and get access to her credit card account. Not to mention on a couple occasions he needed to order a new credit card, because the card he had was stolen ( another fabrication to charge off his purchases ) and in order to activate an Apple credit card, you need to put the box that the new credit card came in, next to the account holders phone, and thats how the new credit card gets activated. So in order to turn on the new credit cards, he must have used her phone to do it. Yet she was trying to spin a story to me that she has been out of the state for the past few months in on the XXXX XXXX. Well, if thats true, how did he gain access to XXXX phone if shes on the XXXX XXXX, which he obviously did! otherwise, he wouldnt have been able to turn on the new credit cards, and she was obviously in cahoots with him. Otherwise how would he have gotten the verification codes that got sent to her phone? 
When I attempted to contact golden Sachs credit card over this issue, and to report this fraud scam, I was unable to talk to anybody because I dont have an account with goldman sachs XXXX and apparently having an account is the only way that you can get transferred to the fraud department. It makes no sense whatsoever. So I am making this report in order to have the chargebacks reversed to my XXXX  account, so I can be made a whole again, since my services were rendered in full, and I deserve payment for said services. 
The charges in question were made on XX/XX/XXXX via XXXX, to XXXX XXXX ( XXXX XXXX XXXX  ) in the amount of {$520.00} x XXXX.

Company response to consumer: Closed with explanation