Consumer complaint received 2025-05-16 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: MD

Complaint narrative:
b'I am writing to request CFPB assistance in resolving various unauthorized and returned or services not rendered not refunded\ncharges posted to my Apple Card account (Goldman Sachs Bank USA) from Apple, which I first discovered in late XXXX  and\ncontinue to see through XXXX. Apple was the primary wrongdoer in billing these unauthorized charges, and should have\nreimbursed Goldman Sachs for any losses and refunded the bank for these wrongful transactions. Unfortunately, I had been\nhospitalized and was unable to speak over the phone, so I could only reach out via the Messages and emails.\nAccount: Apple Card for XXXXType of Dispute: Unauthorized / billing errors under the Fair Credit Billing Act (15 U.S.C.  1666)\nSince the start of the COVID-19 pandemic in XXXX XXXX I have made exhaustive, documented efforts to correct App Store\nbilling errors, billing for services not provided, or billing not authorized. I sent dozens of detailed emailsXXXX XXXX, and dispute\nrequests via the Report an Issue feature to App Store Support and the Apple Card dispute team. I completed physical returns\nin Apple XXXX accompanied by valid RMA authorizations, yet some of the refunds were not posted, so Apple Card continued\nbilling me that did not correspond to any receipts in the system. Apple and Goldman Sachs have refused to reverse the disputed\namounts or compensate the customer for the wrongful charges. The CFPB ordered Apple Inc. and Goldman Sachs Bank USA\nto pay over XXXX XXXX XXXX XXXX XXXX civil penalty against Apple and XXXX XXXX in consumer relief and penalties\nagainst Goldman Sachsfor misleading customers and mishandling transaction disputes .\nAttached you will read the annotated Apple Card statement XXXX XXXX XXXX  highlighting disputed transactions, copies of\nlegitimate receipts and order confirmations for valid purchases, proof of returns that do not add up to balance billed, and\ncorrespondence logs with Apple Support, Apple Card dispute team, and XXXX XXXXates, reference/ticket numbers)\nwhich my account was closed losing the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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from Apple and XXXX XXXX  including related interest and fees. Restitution from Apple Inc. to Goldman Sachs Bank USA for any costs the\nbank has absorbed due to Apples wrongful billing. Correction of my credit reporting to remove any adverse information resulting\nfrom these disputed amounts. Any additional relief the CFPB deems appropriate under the Fair Credit Billing Act and its\nimplementing regulations.'

Company response to consumer: Closed with monetary relief