Consumer complaint received 2024-09-20 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: OR

Complaint narrative:
**Note- Altogether a different complaint for the refund of {$3500.00} My Complaint XXXX was closed stating duplication of the complaint XXXX, whereas the complaint XXXX was provided with additional evidences on the untruthful response I had received on the former complaint XXXX. 

I would request the CFPB bureau to request the additional details from the bank with regards to the untruthful evidence stated to them by merchant Bail bonds and Goldman Sachs accepts that and close my request in there favor. 

I am submitting the XXXX XXXX XXXX XXXX case transcript where it is pretty evident the Fugitive was never apprehended outside the state of California and even not outside the XXXX XXXX XXXX, he was present on his XX/XX/XXXX XXXX hearing where merely the bail bond agent gone and surrender the XXXX in front of the Judge and was accepted. 
Where as in response to the complaint, XXXX submitted by the Bank to the cfpb is untrue, the evidence speaks for itself and to be considered and return back to bank for a reply.

I demand fair justice not merely one untruthful reply from bank and cfpb closing the case. It is very hard should have a reply system where I can attach the evidence to prove my theory rather closing the ticket and blocking me in opening another ticket for the untrue evidence presented and closing my complaints. I should be given a chance to explain my side of the story with evidence to prove the bank provided untrue statement to cfpb and request for closure of my request. 

XXXX ================ XXXX ( Share by Oregon XXXX of XXXX and XXXX XXXX XXXX XXXX XXXX cfpb - ONGOING IN PROGRESS and XXXX - CLOSED BY CFPB WITHOUT SOLUTION and also closing XXXX stating duplicate complaint that is not true et al.. This request is in lieu of the Original issue XXXX raised and the false info provided by the Goldman Sachs to the cfpb and closed the case. Per the Company Response in the ticket- XXXX " Goldman Sachs Bank USA XXXX the Bank ) received the above-referenced complaint related to the Apple Card via the Consumer Financial Protection Bureau ( CFPB XXXX XXXX XXXX on XX/XX/XXXX. The Bank appreciates the opportunity to address the concerns raised by XXXX XXXX ( the Customer ) related to a transaction dispute with the merchant XXXX XXXX XXXX in the amount of {$3500.00}. The Bank conducted an investigation and confirmed no Bank error occurred. The Customer initially disputed the transaction on XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX. The Bank applied a temporary credit while the disputes was investigated. Based on the investigation and a review of the evidence provided, the Bank resolved the dispute in favor of the merchant because the evidence provide by both the Customer and merchant show a signed agreement by the Customer with customer info agreeing to the terms and conditions of the XXXX XXXX. Per the merchants terms and conditions, Any fugitive recovery fee if there is a forfeiture of the XXXX ( which fee is typically XXXX to XXXX percent XXXX % of the amount of the XXXX plus XXXX out-of-pocket expenses ) ; any and all costs incurred to extradite and/or apprehend and return Defendant to custody. The evidence confirmed the Customer was charged an additional {$3500.00} when the merchant had to travel out of state to pick up the defendant. The Customer was provided with the terms and conditions upon payment. The Customers evidence was insufficient in showing the merchant was willing to waive the additional costs. As a result, the temporary credit was reversed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The Bank sent the Customer an email detailing the dispute outcome. Based on the above details, the Bank kindly requests for this complaint to be closed. '' My Response- wrt to the falsified Info below- " The evidence confirmed the Customer was charged an additional {$3500.00} when the merchant had to travel out of state to pick up the defendant. The Customer was provided with the terms and conditions upon payment. The Customers evidence was insufficient " XXXX XXXX never travels outside the state of California even not within XXXX XXXX of XXXX XXXX they gone to the courthouse and surrender my signed indemnity thus never travelled outside the state. Attached the XX/XX/XXXX downtown XXXX XXXX XXXX XXXX XXXX case hearing transcript clearly states the fugitive was present within his court hearing and the bail bond never travels anywhere and thus provided the false info to the bank and bank accepts it. This attached transcript itself is the proof that bail bond lies to the bank and to add to my frustration with the bank, they never shared this merchant, bail bond info with me unless now they sharing it with cfpb and the court reporter transcript itself is a proof it was a lie all along from Bail bond profession thus my money needs to be refunded back. Excerpts from the court Transcript dated XX/XX/XXXX CASE NUMBER : XXXX CASE NAME : PEOPLE VERSUS XXXX XXXX XXXX XXXX XXXXXXXX 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  Page XXXX to XXXX Transcript content- XXXX XXXX XXXX YOUR HONOR, MAY I SPEAK? MY NAME IS XXXX XXXX. I REPRESENT THE BAIL COMPANY FOR XXXX XXXX. THE COURT : OXXXX XXXX XXXX XXXXXXXX : YES. I'M HERE ON BEHALF OF THE BAIL BOND PROFESSIONALS. WE HAVE A STATEMENT HERE FROM THEM SAYING THAT XXXX XXXX IS A XXXX XXXX HE ALSO DID NOT DISCLOSE OTHER CASES THAT HE HAD PENDING AS WELL AS OTHER BONDS HE HAD PENDING. THEY FEEL HE IS A FLIGHT RISK AND WISH THAT HE BE REMANDED. HE ALSO HAS A CASE PENDING IN OREGON AS WELL AS A VIOLATION IN XXXX  XXXX. THE COURT : OKAY. I'M SORRY. TELL ME YOUR NAME AGAIN, SIR. XXXX XXXX : MY NAME IS XXXX XXXX. THE COURT : XXXX XXXX, YOU SHOULD HAVE BROUGHT THIS TO THE ATTENTION OF THE CLERK. WE JUST CONCLUDED THE HEARING. THE COURT DOES NOT LIKE TO BE SURPRISED WITH THESE THINGS. XXXX XXXX : MY APOLOGIES, YOUR HONOR. THE COURT : I XXXX YOU HAVE ASKED FOR 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 IN THE PAST SO YOU SHOULD HAVE REALLY CHECKED IN WITH THE CLERK ON THIS, XXXX XXXX. XXXX XXXX : MY APOLOGIES, YOUR HONOR. THE COURT : I AM GOING TO NEED YOU TO TAKE A SEAT. XXXX XXXX, I AM GOING TO NEED YOU TO TAKE A SEAT. BOTH OF YOU NEED TO REMAIN IN THE COURTROOM. WE WILL TAKE A MOMENT FOR THE COURT TO CONSIDER THIS AND THEN WE WILL RESUME. XXXX XXXX, YOU NEED TO REMAIN ON XXXX. XXXX XXXX : YES, YOUR HONOR. I WILL BE STANDING BY. THE COURT : OKAY. THANK YOU. LET 'S TAKE A PAUSE IN THIS CASE. XXXX XXXX : YES, MA'AM. THE COURT : THANK YOU. ( RECESS IN THIS MATTER. ) THE COURT : WE ARE GOING BACK ON THE RECORD IN THE XXXX MATTER, XXXX. XXXX XXXX IS PRESENT BEFORE THE COURT. XXXX XXXX IS PRESENT OVER XXXX. XXXX XXXX FOR THE PEOPLE IS PRESENT. WE ALSO HAVE XXXX XXXX, WHO IS A REPRESENTATIVE FROM BAIL BOND PROFESSIONALS. IS THAT RIGHT, XXXX XXXX? XXXX XXXX : YES, YOUR HONOR. THE COURT : AND, XXXX XXXX, DURING THE PAUSE IN THE PROCEEDINGS, YOU DID PROVIDE TO 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 A WRITTEN REQUEST BY BAIL BOND PROFESSIONALS THAT THE COURT EXONERATE THE BOND TODAY, AND THAT IS BECAUSE YOUR COMPANY NO LONGER WISHES TO ASSUME THE RISK OF XXXX XXXX. IS THAT AN ACCURATE REPRESENTATION? XXXX XXXX : YES, YOUR HONOR. ALSO THAT THE INDEMNITOR DOES NOT WANT TO CONTINUE THE RISK. THE COURT : THE INDEMNITOR NO LONGER WANTS TO CONTINUE THE RISK? XXXX XXXX : YES. THE COURT : THANK YOU. I KNOW YOU HAD A STATEMENT FOR THE COURT BEFOREHAND. AS I SAID, IT WOULD HAVE BEEN BETTER TO HAVE ALERTED THE CLERK TO THIS. GO AHEAD. YOU XXXX FINISH YOUR STATEMENT REGARDING WHAT YOUR COMPANY FEELS THE RISKS ARE. XXXX XXXX : CONSIDERING THE DEFENDANT DID NOT DISCLOSE OTHER CASES THAT WERE PENDING AND HE HAS NOT FULFILLED HIS OBLIGATIONS TO THE BAIL BONDS COMPANY : STAYING OUT OF TROUBLE ; AS WELL AS COMMUNICATING ; AND HE HAD A REQUEST THAT HE STAY WITH A CERTAIN INDIVIDUAL, WHICH IS DOCUMENTED IN THE DECLARATION AND THE MOTION, AND HE DID NOT LIVE WITH THAT INDIVIDUAL EITHER. THE COURT : OKAY. GO AHEAD. THANK YOU. XXXX XXXX, DID YOU WISH TO MAKE A RECORD? 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 THE COURT : DID YOU WISH TO MAKE A RECORD? THE BOND COMPANY IS ASKING TO SURRENDER YOUR CLIENT TODAY. XXXX XXXX : WELL, IF HER HONOR PERMITS THAT, THEN -- I AM NOT INTELLIGENT ABOUT THE CASE. I AM SPECIALLY APPEARING ; BUT I WOULD MOVE TO SUGGEST, YOUR HONOR, THAT THE BAIL -- THAT HE BE ALLOWED REASONABLE TIME TO POST THE BAIL. PERHAPS IN THE XXXX -- WELL, CERTAINLY TO BE GIVEN SOME TIME TO POST THAT BOND, AND I DON'T BELIEVE -- I AM NOT SURE WHAT ARRANGEMENTS HE MADE. I WILL CONTACT THE XXXX GROUP ABOUT THIS HEARING, TO LISTEN TO THIS DEVELOPMENT, THAT HE IS IN CUSTODY. OKAY. THANK YOU, YOUR HONOR. THE COURT : OKAY. THANK YOU. PEOPLE, DID YOU WISH TO BE HEARD OR ARE YOU SUBMITTING? XXXX XXXX : PEOPLE SUBMIT, YOUR HONOR. THE COURT : OKAY. THANK YOU. IN LIGHT OF WHAT HAS BEEN SAID TO THE COURT, XXXX XXXX, I AM GOING TO EXONERATE THE BOND TODAY BASED ON THE INFORMATION PROVIDED TO THE COURT. I REVIEWED THE FILE. I AM GOING TO SET BAIL IN THIS MATTER. I AM GOING TO KEEP IT IN THE SAME AMOUNT, XXXX, WHICH IS PER SCHEDULE ; BUT I AM GOING TO HEREBY REMAND YOU TO THE CUSTODY OF THE XXXX XXXX DEPARTMENT 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 YOU POST SUCH BAIL. WITH THAT, XXXX XXXX, I AM GOING TO ORDER YOU TRANSPORTED ON XX/XX/XXXX. IF YOU MAKE BOND AGAIN, YOU ARE ORDERED TO APPEAR IN PERSON IN THIS DEPARTMENT ON XX/XX/XXXX. WITH THAT, THE MATTER IS CONCLUDED. THANK YOU. XXXX XXXX : THANK YOU, YOUR HONOR. THANK YOU. SIGNING OFF. XXXX XXXX : THANK YOU, YOUR HONOR. ( PROCEEDINGS CONTINUED TO XX/XX/XXXX ; AT XXXX XXXX ; IN DEPARTMENT XXXX. ) My original complaint still hold XXXX Dear Sir/Madam, I would like to complaint against the Apple Card issued XXXX Goldman Sachs Bank XXXX The disputed fraud charge is wrt to bail Bond Professionals charging my apple card for additional {$3500.00}. Following case ( XXXX ) already raised wrt to this Fraud Charge wrt to below dispute ( XXXX ) XXXX XXXX XXXX XXXX XXXX Currently Ongoing but every time Goldman Sachs Apple card dispute team denying this charges without providing XXXX XXXX XXXX on what grounds the charges are being denied. Mere XXXX line explanation repetitively is totally not a professional way of rejecting and closing a request in XXXX bond favor. This is highly unethical and Immoral and unprofessional by the bank and to add the insult on top of that no justification whatsoever to myself. 4 times denial just an email with this below XXXX XXXX further investigated the dispute and reviewed any additional information that XXXX have been provided. Based on our review, the original decision will remain because there is no evidence to substantiate the claim My Main argument is ( i ) The Apple card is added to their file if in case anything more billing to be done but they never answered by any means the contact I tried with Bail Bond Professionals what additional charges I had incurred, and do they have any bills and receipts? ( ii ) When someone takes some services there should be the bills attached for the services being provided. Nothing here shared XXXX liner explanations from Goldman Sachs bank and denials. ( iii ) They can not take the help of the agreement every time all sales are final for what? Apple card had {$8100.00} of money XXXX limit ; does that means they can deduct the entirety amount on this card as the sales are final without providing the bills? What type of XXXX is this done by Goldman Sachs bank??? ( iv ) Clearly, its a lack of clarification and all the earlier XXXX Investigations done was in a hurry and denials. ( v ) The agreement also refers to XXXX XXXX where if any amount deducted to be refunded back if no bills and or services provided. Have the Goldman Sachs gone to the entirety of the agreement I had shared with you folks???? I am providing the below explanation, again which I believe will help clarify the situation : XXXX. Based on earlier denial statement that all sales are final, but what sale If I did not taken any of the services and payment already made to them separately via Bank XXXX XXXX XXXX XXXX in the amount of {$3100.00} and the apple card added to the case file additionally as surety there is no proof that I authorized this additional {$3500.00} from my apple credit card to this firm and for what purpose? This explains the burden of proof that this charge is not legit and authorized and need to be refunded back and thus disputing it. XXXX. I hired the bail bond professionals to help assisting in my Ex-Boyfriend, release on bail from XXXX XXXX XXXX XXXX and provided them original amount via XXXX Bank XXXX XXXX XXXX Account on XX/XX/XXXX with a sum of {$3100.00} for his release. PROOF : Snippet below from Bank XXXX XXXX, checking account- XXXX. Ive added my XXXX credit card to their file, as surety, if in case I need to pay them extra, however the situation never arises and the XXXX XXXX company person I was interacting no more works there and thus someone withdraws additional {$3500.00} from my apple credit card from this bail bond professionals company. XXXX. Repeated phone calls and no response from them thus initiated the dispute with Goldman Sachs. XXXX. This seems to be an error as per below contract signed with them, I need to pay them, {$3100.00} that I paid via Bank XXXX XXXX XXXX account as explained above, there is no valid reason they should deduct my additional {$3500.00} from XXXX credit card that I am disputing, and my request is legit. I have taken care to compile these materials to the best of my ability, ensuring that they accurately reflect the circumstances surrounding the disputed transaction. I trust that this information will aid in your investigation and contribute to a fair and equitable resolution. Please let me know if there is any additional information or documentation that you require to assist with the dispute resolution process. I am committed to providing any further support necessary to help expedite the investigation. I kindly request that you acknowledge the receipt of these documents and provide an estimated timeline for the resolution of my dispute. Your prompt attention to this matter is greatly appreciated. I left with no choice that my Consumer rights were being violated and I had to take this case of Goldman Sachs to the Oregon XXXX consumer affairs XXXX as this is violating the consumer protection rights of fraud that Goldman Sachs gave it to their customers and here, they are in complete denials. Reference details, why should I take my case with BBB and with federal and State consumer forum : https : XXXX Feds looking at Goldman Sachs XXXX Apple Card XXXX XXXX https : XXXX When an Apple Card user disputes a transaction, XXXX has to seek XXXX resolution within regulatory-mandated timelines, and it sometimes failed at that, said the people, who requested anonymity to speak candidly about the situation. Customers were sometimes given conflicting information or had long wait times, the people said Per the Apple card customer Agreement I had made via apple to XXXX XXXX Clearly states this below- and the way my claims are being denied back and forth without any clarifications is highly unprofessional and unethical way of doing the business by Goldman Sachs XXXX Thank you for your time and assistance in this matter. I look forward to a swift resolution and a fair outcome Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation