Consumer complaint received 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX apple goldman XXXX credit card user : XXXX Subject : Disputed Chargebacks, Reversals, and Installment Issues on Apple Card Transactions I am writing to bring to your attention a series of disputes and chargebacks on my Apple Card account, specifically focusing on the reversals and the issue of an installment payment. Below, I have outlined each disputed transaction that was reversed, as well as the problem I encountered with an installment payment. 
In addition to the chargebacks and reversals, I would like to bring to your attention a significant issue with the installment payments that were charged despite my returning the items. Even though I returned the items, I was still charged for almost 8 months of installment payments of {$53.00} each month. This was for a total of approximately {$780.00} in installments. even when transacction was " canceled cause never got it was lost by delivery company '' even it was in dic XXXX and they reactivate de installment in XXXX and not only that they charge in dic XXXX XXXX the full amopunt of the installment as a chargeback money when tghis card doent allowed to get money or cash advance so XXXX XXXX times the amount of {$630.00}. plus installments ( This situation persisted despite my prior claim with the ATTORNEY State Agency regarding the matter. AND MADE A COMPLAIN WITH THIS AGENCY BEFORE THAT REALLY NOIT CARE AND NOW THIS SAME AGENCY ORDER TO APPLE PAID MORTE THAN XXXX TO CREDIT HOLDER FOR THIS ISSUE ) The CHARGE payments continued to be d my account, even after I had already initiated a return process BECAUSE I NEVER GOT THE PURCHACE WITH APPLE STORE. 

I paid more than {$9000.00} for issues with this company because I was very afraid they would damage my good credit score and reputation. Unfortunately, they did. IN XX/XX/XXXX IGOT XXXX STOLEN, THEN I LET THEM KNOW ABOUT IT TO LOCK CARD BE CASUE that was synced to the APPLE card, BUT THEY DIDN'T they allowed criminals to use my account and charge more than {$1000.00}. 

Everything Ive mentioned here is documented in the chat interactions with Goldman Sachs Apple Card customer service. This chat serves as a legal way to communicate with them, as specified in the agreement. 
Evidence of Mistreatment : TRANSACTIONS REVERSAL AND DISPUTES NOT HONORED BY APPLE CREDIT CARD 1. XXXX XXXX XXXX XXXX 1 Date : XX/XX/XXXX Amount : {$24.00} Transaction Type : Dispute Credit 2. XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$100.00} Transaction Type : Dispute Credit XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$450.00} Transaction Type : Dispute Credit XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$42.00} Transaction Type : Dispute Credit XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$150.00} Transaction Type : Dispute Credit XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$260.00} Transaction Type : Dispute Credit XXXX. XXXX XXXX XXXX XXXX NO XXXX Date : XX/XX/XXXX Amount : {$350.00} Transaction Type : Dispute Credit XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$260.00} Transaction Type : Return XXXX. XXXX XXXX XXXX XXXX NO XXXX XXXX Date : XX/XX/XXXX Amount : {$920.00} Transaction Type : Dispute XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX Amount : {$920.00} Transaction Type : Return XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX Amount : {$920.00} Transaction Type : Dispute Reversal XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$260.00} Transaction Type : Dispute Credit XXXX. XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$50.00} Transaction Type : Return XXXX. XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$54.00} Transaction Type : Dispute Credit XXXX. XXXX XXXX XXXX XXXX CA Date : XX/XX/XXXX Amount : {$230.00} Transaction Type : Dispute XXXX  XXXX. XXXX XXXX XXXX XXXX CA Date : XX/XX/XXXX Amount : {$230.00} Transaction Type : Dispute Reversal XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$63.00} Transaction Type : Dispute Reversal XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXX XX/XX/XXXX Amount : {$240.00} Transaction Type : Return XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$81.00} Transaction Type : Return XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$3.00} Transaction Type : Return XXXX. XXXX MEMBERSHIP FEE XXXX XXXX XXXX XXXX : XX/XX/XXXX Amount : {$60.00} Transaction Type : Return XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$19.00} Transaction Type : Return XXXX. XXXX  XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$69.00} Transaction Type : Return XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$120.00} Transaction Type : Return XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$120.00} Transaction Type : Return XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$25.00} Transaction Type : Return XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$29.00} Transaction Type : Return XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$100.00} Transaction Type : Return XXXX. CARNIVAL- THE FUN SHOP XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$37.00} Transaction Type : Return XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$15.00} Transaction Type : Return XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$15.00} Transaction Type : Return XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$130.00} Transaction Type : Return XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$39.00} Transaction Type : Return XXXX. XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$13.00} Transaction Type : Return XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Amount : {$25.00} Transaction Type : Return XXXX. XXXX PAYMENTS XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$20.00} Transaction Type : Return XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$260.00} Transaction Type : Return XXXX. XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$160.00} Transaction Type : Dispute Credit XXXX. XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$160.00} Transaction Type : Dispute Reversal XXXX. APPLE.COM/BILL XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$3.00} Transaction Type : Return XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$87.00} Transaction Type : Dispute Credit XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$90.00} Transaction Type : Dispute Reversal XXXX. XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$160.00} Transaction Type : Return Total Amount of Chargebacks and Reversed Disputes : {$7400.00} TOTAL AMOUNT INSTALLMENT : {$570.00} TOTAL AMOUNT CHARGE BACK FORT MONEY WHEN THIOS CARD NOT ALLOWED TO MONEY ADVANCE BUT THEY CHARGE WITH OUT EXCUSE {$630.00} X 2= {$1200.00} REPEAT I LET TO TO KNOW CONSUMER AGENCY AND CALIFORNIA ATTORNEY ABOUT THIS PROBLEMS IN THE PAST AND DID NOT GET HELP I REQUESTED BY THEM Everything Ive mentioned here is documented in the chat interactions with Goldman Sachs Apple Card customer service XXXX This chat serves as a legal way to communicate with them, as specified in the agreement. 
Evidence of Mistreatment : Furthermore, I have gathered a significant amount of evidence, including emails, chat logs, and contact records with Goldman Sachs customer service, which demonstrate the issues I have faced. I have proof of interactions where their representatives were not only unhelpful but also rude, aggressive, and, at times, extremely XXXX in their communication with me. This conduct is entirely unacceptable, and I am prepared to present this evidence to support my claims. 
I kindly request your assistance in addressing these issues with Apple Card, as it is an unfair and unresolved situation. I appreciate your guidance on how to proceed and recover these funds, as well as ensuring that this issue is rectified.

Company response to consumer: Closed with explanation