Consumer complaint received 2021-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
Today, XX/XX/XXXX, I was contacted by text message by a representative at Apple Card from Goldman Sachs Bank USA concerning a charge of {$84.00} on XX/XX/XXXX. I do not recognize this charge, and I asked the representative to put this charge on dispute. I already spoke to 4-5 different reps from Apple Card from Goldman Sachs Bank USA before, in regards to this matter during the last month. The initial person I contacted regarding my first transaction for {$66.00} was recognized as an invalid transaction and submitted it into the system for dispute and review and told me that I would have the total amount credited back onto my card, but only temporarily because of some policy for them to look further into the situation within the span of 90 days. I have the money on my account but it should be permanent not temporary and I'm concerned and afraid to use it because it doesn't feel like my currency. I then filed another transaction I didn't make with that same representative for the total of {$84.00}, which he also claimed wasn't in the system at all and said it would also be put up for dispute and the amount would also be credited back to my card. 
It is now XX/XX/XXXX and I was never credited back for the 2nd transaction. I have went through several other representatives concerning the matter and none of them helped me at all and kept saying the same thing back to me, that they would put it up for dispute and credit back the {$84.00}. 
The last person I contacted today kept asking me the same question, if someone else had access to my card and I repeatedly told him no and that I always have my card on me and no-one uses it other than myself. He then, without my permission, blocked my card when I told him multiple times not to and ignored everything I had to say after and ended the issue without listening to my primary issue or concerns. All he did was put up the {$84.00} for dispute, even though it should already have been up for dispute, which I had filed at least 4 times now. 
So I am still missing the {$84.00} from the 2nd transaction on XX/XX/XXXX that was never credited back, and now my card is blocked against my best wishes. 
I honestly feel that I'm just being tossed around from one customer service representative to another and none of them can simply help me get back the money that is rightfully mine and never used for any transaction. I feel completely abused by the last representative because he just made the situation more difficult and stressful for me when I honestly don't have any time to waste on the matter. 
I asked for the credit that was initially promised to me but that last person I spoke with said there was no history of the transaction nor the dispute in the system at all and now I just feel like people are playing games with me rather than giving proper service. I don't understand why I'm being billed for this amount then if the transaction itself is not on file? 

I can provide screenshots of all the conversations on my phone, as well as the transactions I was billed for but never made, as direct evidence of the unpleasant and unreliable 'service '. It was anything BUT professional and I am frustrated with Apple in how they treat and interact with their clientele.

I have been a faithful Apple customer for over 10 years and never experienced such horrible service like this before. I've paid all my bills in the past and don't owe them a single XXXX

Company response to consumer: Closed with monetary relief