Consumer complaint received 2025-07-31 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: TN

Complaint narrative:
Apple Card Dispute XXXX Again, this will be my final attempt at resolving this issue before filing a lawsuit against XXXX and Goldman Sachs Bank USA for mishandling of my transaction dispute. Enclosed is an article you know about from the Consumer Financial Protection Bureau. Item XXXX I have complied with everything that XXXX and Goldman Sachs Bank USA have asked for, including : A second opinion from a qualified third party of the quality of the work performed by the merchant. 
Correspondence with the merchant, who refused to correct the multitude of issues. 
A copy of the contract, which the merchant violated. The work was not completed in XXXX business days. We never approved the final work required to obtain the remaining 10 % of the project 's cost. He also delivered a defective and dangerous product. 
We spent {$6600.00} to make the product functional, but not as promised by the vendor. The amount we spent far exceeded the {$800.00} claim. 
A dispute transaction team member from Goldman Sachs Bank USA said the disputes were being mishandled and sent out of the XXXX. 
All photos and items are being resubmitted.

1. My wife and I contracted XXXX XXXX XXXX XXXX XXXX, owner XXXX XXXX, to build a custom double-queen bunk bed permanently installed in our XXXX  home . The contract was signed on XX/XX/year>, and a 50 % deposit was paid. Item 1 ( Contract Copy ) 2 The vendor promised to complete the project in XXXX business days, per the contract and commenced work on Monday, XX/XX/year>. However, it took a protracted XXXX business days to be allegedly completed on the evening of Friday, XX/XX/year>. THE PROJECT WAS NEVER COMPLETED. As of Friday, XX/XX/year>, the vendor was paid 90 % of the cost of the bunk beds. The vendor made many excuses for not completing the project on time. The vendor had issues with his employees. The project was never completed as deficiencies persisted, as described below, including missing parts, trim, drawer cutouts, and covering up the ethernet port. The work was shoddy, with poor and dangerous finishes and light fixtures that didnt work correctly.

3 Per the contract, the customer must sign and approve the job is satisfactory prior to paying the final 10 %. Item 1 ( Contract Copy ) We did not perform the final inspection until Monday, XX/XX/year>, as my wife had XXXX. We never signed and approved the job! 

XXXX On XX/XX/year>, a Saturday, the vendor called and demanded the final 10 % payment. He was nasty and rude on the phone as we were away as my wife had XXXX. He said that he did not care. He demanded payment and made multiple text messages and phone calls. I told the vendor I could not inspect the project until I returned on Monday, XX/XX/XXXX. The vendor asked for partial payment, which we ultimately agreed to under duress, and that is the {$800.00} payment with our Apple Card. 

XXXX On Monday, XX/XX/year>, we inspected the bunk beds at our XXXX home. They were defective, incompletely finished, non-functional, and unsafe for our grandchildren and guests. 

All XXXX drawers were not functional as the sides were stuck and could not be pulled out as they hit the frame. Photo XXXX Photo XXXX There were gaping holes on the side of the stairs that were never covered. Photo XXXX Photo XXXX XXXX molding was missing on XXXX areas of the bunk beds. Photo XXXX We were promised cutouts on all XXXX drawers to allow opening and closing. None of the drawers had the cutouts. 
The drawer glides were not level, and on XXXX drawer they were not installed. Photo XXXX The drawer glides were spray painted and stuck without function. Cracked wood was present on several drawers. Photo XXXX XXXX XXXX XXXX XXXX The drawers were uneven. XXXX XXXX XXXX open seams were never caulked. Photo XXXX Several areas were never painted. XXXX XXXX The paint ran down the finished product on several front drawer panels. XXXX XXXX XXXX XXXX XXXX XXXX There were rough finishes with several sharp edges that could cause injury. XXXX XXXX XXXX XXXX XXXX XXXX The XXXX light fixtures were incorrectly installed and were not fully functional. 
The ethernet port was removed and never replaced. XXXX XXXX The vendor used an outdoor lumbar in the project, which XXXX XXXX and XXXX cautioned against using in indoor projects. XXXX XXXX XXXX We contacted the vendor via text, as that was his usual method of communication, but he refused to return to fix the issues. He claimed that he had no time in his schedule. Item XXXX, Item XXXX, Item XXXX ( Communication with Vendor ) XXXX We filed a report with the XXXX XXXX XXXX After a first response from the vendor and our rebuttal, the case went unanswered by the vendor and remains unresolved, meaning, per the XXXX, that the business responded to the dispute but failed to make a good faith effort to resolve it and never did. Item XXXX XXXX The vendor claimed he was certified by the XXXX XXXX XXXX. He lied, he deceived us with fraudulent advertising. He was not certified by the XXXX XXXX XXXX so the XXXX XXXX XXXX  had to send him a cease and desist order. Item XXXX Item XXXX XXXX We fixed some of the issues and had to hire a handyman, XXXX XXXX, a second opinion from a qualified third-party specialist, who evaluated the work done and helped repair the damaged, dangerous, and incompletely finished product. We spent {$6600.00} to help the situation and make it safer and more functional, but not as promised by the vendor, and far from perfect. The bunk beds were never built correctly. Item XXXX ( Second Opinion from a qualified third party ) Item XXXX Item XXXX Item XXXX Item XXXX Item XXXX Item XXXX Item XXXX Item XXXX Item XXXX Item XXXX Item XXXX Item XXXX XXXX The vendor has defrauded others with his XXXX XXXX XXXX and XXXX of his other businesses, The XXXX XXXX XXXX, XXXX, which is now closed for business. Item XXXX Item XXXX Item XXXX XXXX We filed a police report with the XXXX XXXX XXXX XXXX XXXX. Enclosed is the report. The Sheriff suggested contacting XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX to check on whether a building permit was needed and if the contractor was required to be licensed, as he has a licensed electrician working as a subcontractor. Item XXXX We request that Goldman Sachs and the Apple Credit Card dispute team make permanent the {$800.00} provisional credit on our account. The vendor lied, misrepresented himself, and provided an incompletely finished, poorly constructed, non-functional, and unsafe product. He never finished the project. We spent {$6600.00} to make the product functional but not as was promised by the vendor. XXXX and Goldman Sachs are not protecting the consumer. The vendor also did not fulfill the contract and, therefore, violated the contract. 

The project was never fully completed. 
The vendor refused to come back to complete the project. 
The product was defective and unsafe. 
Per the contract, the final 10 % payment is due upon project completion and customer approval. The project was never completed, and we never approved it as it was incomplete and had multiple deficiencies, some of which were severe.

Company response to consumer: Closed with monetary relief