Consumer complaint received 2025-12-01 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: CA

Complaint narrative:
CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) Complaint Narrative & Submission Letter Date : XXXX XXXX To : XXXX XXXX XXXX  From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Subject : Wrongful Denial of Fraud Claim APPLE / GOLDMAN SACHS BANK XXXX XXXX Unauthorized Charges Please find the following and attached information. Despite over a year of corresponding and providing documentation and proof of a fraudulent charge on my credit card, I have not received a credit back to my APPLE/ GOLDMAN SACHS credit card or a reimbursement check sent to me. In fact, not only have they refused the credit or refund, but they also double charged me for the fraudulent charge by reversing it twice. Because of this, I am filing this complaint because APPLE / GOLDMAN SACHS improperly denied my fraud dispute for XXXX ( XXXX ) unauthorized charges made to my APPLE/ GOLDMAN SACHS Card by XXXX on XX/XX/XXXX, and XX/XX/XXXX, totaling {$2800.00} including interest over the time period. These charges were not authorized by me, are not mine, and meet every federal definition of fraud under the Fair Credit Billing Act ( FCBA ) and Regulation Z. 

XXXX fraudulent XXXX transactions appeared on my account : XX/XX/XXXX was / is {$550.00} plus interest for that time period as part of total {$2800.00} XX/XX/XXXX was / is {$510.00} plus interest for that time period as part of total {$2800.00} XX/XX/XXXX was/ is when both charges listed above was reversed and charged to me resulting in a double charge through the double reversal of a fraudulent charge that was never mine in the first place. Same amounts but interest calculated from that date I never approved, authorized, initiated, or benefited from these transactions. 

I supplied the following to APPLE / GOLDMAN SACHS during the dispute process : Screenshots showing, I did not authorize the purchase Emails showing, I did not conduct or recognize these transactions Proof I was physically located somewhere else at the time of purchase Proof that the merchant did not deliver anything to me Proof the merchants own logs contradict any claim of authorization Multiple attempts to resolve with the merchant, all unsuccessful Despite this, the bank denied my claim without providing : The merchants proof of authorization for anything on the {$550.00} charge and inaccurate information on the {$510.00} charge Delivery logs none for either date IP/device information for anything on the {$550.00} charge and inaccurate information on the {$510.00} charge Any evidence showing I made these purchases none for either date Violations include : 15 U.S.C. 1666 12 CFR 1026.13 ( Regulation Z ) 15 U.S.C. 1643 Please let me know any and all information and/or documents I need to provide to move this request and process forward. I request that the CFPB require APPLE / GOLDMAN SACHS to reopen and reinvestigate the dispute, provide all evidence, reverse the fraudulent charges, remove fees and credit impacts, reimburse the interest that was charged to my credit card account, pay for any associated legal or processing fees and compensate for any harm done due to the delay and impact on me and provide written acknowledgment. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation