Consumer complaint received 2025-04-09 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: NY

Complaint narrative:
Please note that I do not have access to my Apple Card statements as I cancelled the card because of this dispute, so amounts and dates are approximate. 

In XXXX of 2023, a charge for roughly {$1600.00} was made on my Apple credit card. The card was still in my possession and was never lost or stolen. The money was paid to XXXX, which is a company I have never heard of nor used for services of any kind. The charge was made at the same time and on the same day as numerous other fraudulent charges, all of which were denied by Apple. This included charges for thousands of dollars to XXXX XXXX. For some reason, the XXXX charge was the only one that Apple allowed to go through. 

I immediately filed a claim with Apple & Goldman Sachs bank the same day. Since then, I have had to re-file my claim at least 7 times. I have spoken with dozens of representatives who have given me several recommendations on how to successfully dispute this charge. 

Apple/Goldman Sachs presented me with an email that the fraudulent vendor claimed to have sent me. I never received the email, which was from someone named XXXX XXXX. The email was not written with proper XXXX grammar and appeared blatantly fraudulent. Apple suggested that I send my own email to XXXX XXXX to dispute the charge, which I did. I subsequently sent a copy of the email to Apple. XXXX XXXX never responded to my message. Apple rejected my claim again, with the only reason being that the vendor provided evidence to support this charge.

The vendor provided a document with my name and a signature on it, which Apple is claiming is XXXX evidence that I approved the charge. The signature on the form is not my signature, so I provided Apple with a picture of my license with my real signature, proving that the form provided by XXXX was fraudulent and did not match my signature. This claim was also denied. 

I then had my accountant, XXXX XXXX at XXXX XXXX XXXX, send a letter to Apple on my behalf, explaining that he has done my tax services for many years, and I would have no reason to seek tax services from a company like Invoice2Go. The claim was denied again.

There are only so many ways that I can prove that I did not authorize or approve this charge, but it has been over 2 years of consistently reaching out to Apple, and every claim I file is rejected. 

A recent advisor recommended that I provide evidence that my information has been hacked or leaked online, and therefore this may be the manner in which the fraudulent vendor was able to provide my name and address. I provided Apple with screenshots from XXXX which showed websites that had data breaches that included my personal information. This claim was quickly denied by Apple and no information has been provided to me as to why, or what I can do next.

This has been a significant stressor in my life, as I have spent numerous hours on the phone with Apple and gathering all of the information I possibly can to support my claim. The charge is significant and is hurting my credit score. I am incredibly saddened by this customer service experience ( I cancelled my card over this dispute ) and I do not know what to do next. Any help you can offer would be greatly appreciated.

Company response to consumer: Closed with monetary relief