Consumer complaint received 2026-04-09 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: HI

Complaint narrative:
My Apple Card was charged six times for {$99.00} each time. I contacted Goldman Sachs and created disputes for all charges, however three of them were ruled in the favor of Apple and the charges remain. Three are under investigation and I've been getting the run around and neither Apple nor Goldman can tell me what the charges are for. Below is the timeline of my journey. XX/XX/XXXX, XXXX, Goldman Sachs - contacted to issue new virtual card number, transferred me to XXXX Department XX/XX/XXXX, XXXX, Goldman Sachs - dispute charges, You are never responsible for unauthorized transactions with Apple Card XX/XX/XXXX, XXXX, Goldman Sachs - inquire about emails received looking for proof, suggested I submit the proof that I have ( screenshot of ApplesCard transactions ) XXXX, XXXX, Goldman Sachs- I was seeking clarification on how many total charges/diputes/status, suggested contacting Apple Support and transferred me XXXX, Unknown chat associate - Apple Support, suggested I speak to sales due to charge originating from XXXX, requested transfer XXXX, Unknown chat associate - Apple Retail/Sales, suggested I speak to AppleXXXX, provided case ID XXXX, requested call back from Sr. Advisor XXXX, Unknown phone associate - AppleXXXX Sr Advisor, suggested I speak to Post Sales XXXX, XXXX, XXXX Sales - requested original card number as nothing could be found with new card number, suggested I contact Goldman Sachs XXXX, XXXX, Goldman Sachs XXXX did not understand the situation and only frustrated me more by providing me with incorrect information, could not provide old card number, suggested contacting Apple Care with billing/subscription with XXXX numbers he provided XXXX, XXXX, Sr Advisor - unable to find case ID number provided, researched issue and was not able to find any transactions, never heard of an XXXX, partnered with Apple Pay team who initially suggested going back to sales and speaking to a Sr. Advisor, transferred me to Apple Pay after more discussion XXXX, XXXX, Apple PayXXXX - has heard of an XXXX however mentioned it was something between banks and credit cards, suggested I speak to Goldman Sachs fraud XXXX, XXXX, Goldman Sachs Fraud - offered self service steps through Settings XXXX Subscriptions XXXX XXXX XXXX - Subscriptions and found nothing, reviewed my transaction history to see if I have ever been charged this amount in a transaction in the past and found that I did not, offered to submit a dispute claim again XXXX, XXXX, Goldman Sachs Apple Card Manager - left a XXXX asking me to contact Goldman Sachs again XXXX, XXXX Goldman Sachs - asked to speak to XXXX, however he mentioned that its difficult to be connected to a certain person, read the notes to me left by XXXX, informing me that three of the six disputes were reversed by the merchant ( information that I already knew a long time ago ) and offered to transfer me to the XXXX department or fraud, informed XXXX that I have already spoken to both teams XXXX, XXXX XXXX XXXX XXXX attempted to assist in finding old card number to look up transacion history, added more notes to most recent XXXX sales info. I requested to speak to the highest level of customer service that she could connect me to and put me on hold in order to speak to upper management. Wifi dropped and the call disconnected, XXXX called me back and she left me a XXXX stating that upper management suggested I reach out to Apple XXXX and they could possibly look up any subscriptions XXXX, XXXXXXXX XXXX XXXX contacted Apple because I was able to find the old card number that was used for the unauthorized transactions, XXXX was not able to find any transactions for {$99.00} with the original Apple Card number I'm trying to have this issue resolved ASAP as I am currently on vacation in XXXX.

Company response to consumer: Closed with monetary relief