Consumer complaint received 2025-04-17 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: DC

Complaint narrative:
I am writing to file a formal complaint against Goldman Sachs Bank USA, the issuing bank for the Apple Card, concerning an unresolved issue involving repeated unauthorized charges made to my account by a company known as XXXX, an online background check service. 

Over the course of more than a year, my Apple Card has been repeatedly charged multiple times per month by XXXX without my knowledge, authorization, or consent. These charges have included, but are not limited to, {$22.00}, {$26.00}, {$29.00}, and {$1.00}, with some months reflecting double or triple billing. I have never used XXXX services, never visited their site with the intention of purchasing anything, and never authorized them to charge my Apple Card. I do not have an account registered under my name or email address with their platform. 

Upon noticing these fraudulent charges, I immediately began disputing them through Apple Card customer support and the Goldman Sachs Fraud Department. In each instance, I was assured that the disputed charges would be resolved and, at times, provisional credits were issued. However, these credits were subsequently reversed without proper justification, and the disputed amounts were re-added to my account balance. 

I specifically requested that Goldman Sachs : 1. Block the merchant ( XXXX ) from being able to charge my card again ; 2. Reissue a new card number to prevent the merchant from continuing to access my account. 

Despite complying with these steps, the fraudulent charges persisted. Even after my card was reissued with a new number on multiple occasions, XXXX continued to somehow regain access and charge the new carda clear indication of either a systemic security vulnerability or failure by Goldman Sachs to implement proper fraud controls. 

Most recently, I filed a detailed dispute with the fraud department, during which I was told that the merchant had verified the charges were valid and, as a result, all provisional credits were rescinded and re-applied to my account. I was not provided with any credible evidence to support the merchants claim of validity, nor was I shown any proof of authorization bearing my name, personal details, or IP address. In fact, there is no connection between me and the XXXX account in question, either by email address, physical address, IP logs, or confirmed purchase activity. 

XXXX is widely reported for engaging in questionable billing practices and unauthorized charges. There are numerous complaints on consumer platforms describing similar patterns of conduct. I firmly believe this company is engaging in unethical, and possibly illegal, activity by billing consumers without their explicit consent or verifiable authorization. 

As of today, I am being held financially responsible for over a year of fraudulent charges, despite following every procedure recommended by Apple Card support. Goldman Sachs has failed to take adequate action to permanently block the merchant, investigate the recurring nature of the fraud, or protect me as a consumer. Goldman Sachs has repeatedly reported my credit card over the limit to all the major credit reporting agencies. Which caused my score to decrease significantly due to the high balance based on fraud today this is not been rectified and I would add that every time that I have applied for a line increase on my card I was declined for being over the limit and other factors regarding my credit. They were all based on this car being over the limit due to fraud. 

I am requesting that the Consumer Financial Protection Bureau : Investigate Goldman Sachs and XXXX practices in handling recurring fraud complaints. 
Require a full reimbursement of all disputed charges made to my Apple Card by XXXX since the inception of this issue. 
Determine how and why a reissued card continued to be compromised by the same merchant. 
Mandate stronger merchant-blocking protocols for recurring unauthorized transactions. 
Require that Goldman Sachs fully remove all fraudulent charges from my account and restore my account to good standing. 

I am available to provide additional documentation, including screenshots of the repeated charges, evidence of disputes, records of card reissuance, and communications with Apple Card support and the fraud department. 

This has caused unnecessary financial burden, emotional frustration, and has eroded my trust in Goldman Sachs ability to protect its cardholders. I respectfully request swift action and assistance from the CFPB in resolving this matter once and for all. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief