Consumer complaint received 2026-05-19 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: MA

Complaint narrative:
Iam re opening the complaint as I was instructed this was the best way to deal with bad faith. In a prior complaint about several TILA violations when Goldman Sachs/ Apple Card double withdrew money from my account owing to a glitch in their automatic payment system, I stated one way XXXX Apple Card violated TILA was by adjusting an overpayment without explanation or record. Then, it first paid off 0 % interest monthly installments ( XXXX ) and then later, at the stoke of midnight on closing, applied a new trailing interest payment not in keeping with the rules of the card. The effect is that no amount of overpayment can stop new interest accruing interest charges to apply to the account even if you overpay the account by multiples, Additionally, this violated TILA by not paying off higher interest charges first ( the new trailing interest charges ) before the company paid off 0 % XXXX without instruction or permission to do so. Finally, the statement was deficient so it was impossible to decipher what the company had done or what was paid or how much because it then just voided the XXXX portion of the cc statement without stating what was paid. The crux of the complaint owed to the inability to reach a customer service rep able to explain the payments system and having to spend 3 hours transferred between supervisors. The first 2 ceded the problem but were prohibited by company policy to address any error over {$25.00} or {$50.00} respectively. The next supervisor could not do basic math and pretended the error did not happen by refusing to cede that XXXX > XXXX. XXXX Apple Card has prior been found to have committed fraud by simply deleting requests for investigation into charges without investigation. That was my experience as well, In response to CFPB complaints, investigators have remained unauthorized to investigate. In response to the complaint to CFPB regarding XXXX/Apple Card paying off all XXXX 0 % monthly interest payments before charging trailing interest, XXXX states : According to the Banks records, the Customer made two purchases on XX/XX/XXXX, in the amount of {$260.00} and {$760.00}, and on XX/XX/XXXX, in the amount of {$1000.00}, and on XX/XX/XXXX, in the amount of {$240.00} using the ACMI option. Apple Card Monthly Installments ( XXXX ) is a payment option available in the U.S. to Apple Card Customers that allows the cardholder the ability to purchase certain XXXX products from XXXX at 0 % Variable Annual Percentage Rate. In the complaint narrative, the Customer referenced payments made on the Apple Card and interest assessed on an Apple Card account. The excess verbosity seems intended to paint past the issue of why the XXXX payments were paid off before trailing interest was paid. And why it intentionally adjusted an overpayment ( double payment ) that went through on statement closing day up pay off all 0 % XXXX but not a new interest accruing interest charge : Both the deficiencies in the statement accounting for the XXXX payments and failure to pay higher interest charges before lower charges are violators of TILA and the statute requires the company to pay {$5000.00} for EACH violation, in addition, an algorithm that will rewrite an overpayment to stop a credit from accruing to the card, and pay the XXXX in full but NOT pay new interest accruing charges feels in bad faith.

Company response to consumer: Closed with explanation