Consumer complaint received 2025-12-02 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:
XXXX XXXX : An unresolved and unexplained balance of approximately {$430.00} has remained on my Apple Card account, despite my repeated disputes and requests for documentation. This balance stems from fraudulent charges that Apple/Goldman Sachs initially mishandled. 

What Happened : In XXXX, multiple unauthorized charges appeared on my Apple Card from a vendor ( panrnd.com ) I have never done business with. 

I disputed these charges many times. Most were reversed, but a ~ {$430.00} balance remained. 

Apple/Goldman Sachs has never provided a written accounting of what makes up the {$430.00}. 

Representatives repeatedly told me to check old statements, but the balance does not match any combination of transactions or interest. 

No representative or supervisor has ever been able to explain how Apple calculated the amount. 

Account Closure : Because the issue remained unresolved for nearly XXXX years, I closed the Apple Card account several months ago and paid off all legitimate charges in full. 
There has been no new activity since. 
The ~ {$430.00} balance is solely related to the unresolved fraudulent charges or trailing interest that should not have been billed. 

Harassment Through Daily Phone Calls : Despite the balance being disputed and unexplained, Apple/Goldman Sachs XXXX XXXX daily phone calls attempting to collect on the amount. 
This continued even though the amount is in active dispute and has never been explained. 

Most Recent Interaction ( Date : XX/XX/XXXX ) On a call with an Apple Card supervisor, I explicitly requested : A Regulation Z reinvestigation, A written accounting of the entire {$430.00} balance, Escalation beyond the standard dispute process. 

The supervisor stated the request was documented, but based on Apples handling over the past XXXX years, I have no confidence the issue will be resolved or that a written accounting will be provided. 

Violations/ Concerns : Failure to provide a written explanation of disputed charges Improper collection attempts on a disputed balance Possible failure to comply with Regulation Z / FCBA dispute obligations Failure to conduct a reasonable or complete dispute investigation over XXXX years Charges and trailing interest assessed on amounts XXXX can not substantiate What I Am Asking the CFPB to Help Resolve : I am requesting that Goldman Sachs XXXX Apple Card issuer ) : Conduct a proper Regulation Z reinvestigation of all disputed charges and interest. 

Provide a complete written accounting of the {$430.00} balance, including : Transaction dates Vendor names Dollar amounts Interest calculations ( if any ) Explanation of why they believe any portion was authorized Remove any amounts that can not be proven valid and authorized. 

Stop all collection attempts while the reinvestigation is active. 

Why CFPB Assistance Is Needed : After nearly XXXX years, over XXXX calls, and no written explanation of the disputed balance, I need assistance ensuring Goldman Sachs complies with its obligations under the Fair Credit Billing Act. XXXX XXXX has not provided any clear evidence or documentation to justify the ~ {$430.00} balance.

Company response to consumer: Closed with explanation