Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I recently returned from a trip to XXXX, where theres no cellular service, so I wont have access to my phone when I get back to the XXXX. I noticed some transactions popping up on my Apple Card and my XXXX XXXX, totaling XXXX charges on the Apple Card and XXXX charges on the XXXX XXXX. Apple claimed they werent responsible, stating that the transactions were coming from Apple Wallet XXXX. However, I have to deal with both Apple and XXXX, and Im facing XXXX charges from XXXX. 

Apple suggested that I contact the merchant to resolve the issue. When I contacted the merchant, they asked me to provide my phone number on my email address. None of my accounts with them are listed on my records, so they suggested that I email them. I emailed them, and they stated that they couldnt find any records of me ever purchasing anything from them. 

I need to go back to Apple because theyre the ones processing the transactions. My Apple credit card isnt helping either. Im stuck here, and I feel like my consumer rights have been violated. Now, Im here because of the XXXX transactions from Apple and XXXX, and both parties are blaming each other. Im not considering taking Apple to court because XXXX isnt being truthful about the transactions. Theyre responsible for the XXXX charges on my Apple Card and the XXXX charges on my XXXX card. 

Apples credit card violated my consumer rights. The merchant confirmed that I dont have an account with them, and my phone number isnt picking up any orders from them. However, Apple is claiming a different story. I need Apple to stop lying, or well take this to court to defend my rights. How can you say my purchase was done by my phone when your system says my phone is in XXXX while Im in XXXX? Who told you that? Just last week, someone accessed my information in XXXX, and you guys just sat there. If I hadnt called you last week to freeze my account, those people would have purchased and then called it my charges. 


Apple deny my claim I ask Apple to provide documentation Apple refuse violating my consumer rights. This is the email that they sent to me. We are in this email. Explain what Apple did and why they are defending the merchant.

Your Apple Card transaction dispute investigation is complete and the merchant charge ( s ) will remain on your account. 
Goldman Sachs Bank USA has re-investigated your transaction dispute and found that no billing error occurred for the following reason : We've reviewed your dispute and any additional information shared. Following this review, the original decision remains because our records indicate that the transaction was authorized. 

Dispute Status : Completed ( Disputed charge ( s ) will remain ) The temporary credit of {$25.00}, which was applied to your account while your dispute was being re-investigated will be reversed, and will appear as a transaction in the Wallet app and on your next monthly statement. 

Your account balance will automatically be increased by the amount mentioned above. Be sure to pay your minimum payment to keep your account current. If you pay your monthly balance in full every month, you will avoid being charged interest. 

Go back to that merchant and get receipts. I will not be paying one penny of my money. You would have to freeze this account because I will not be paying for no fraudulent transactions.

Company response to consumer: Closed with explanation