Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am filing this complaint against Goldman Sachs Bank USA XXXX Apple Card issuer ) and Apple Inc. for XXXX separate but related issues : a billing violation on my Apple Card Monthly Installments agreement and deceptive sales practices at the point of purchase. BILLING VIOLATION On XX/XX/year>, I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX. My receipt documents the following financing terms through Apple Card Monthly Installments : Amount Financed {$1300.00}, XXXX monthly payments at {$110.00} per month, XXXX % XXXX, Installment ID ending in XXXX. Despite these clearly stated terms, Goldman Sachs debited {$290.00} from my XXXX XXXX bank account on XX/XX/year>, posted as APPLECARD GSBANK PAYMENT XXXX, WEB ID : XXXX. This is {$170.00} more than my contractually agreed monthly payment and more than XXXX times the stated amount. Prior payments from my payment history show consistent {$3.00} charges, making the {$290.00} charge a clear and unexplained anomaly. I have attached my purchase receipt showing the financing terms and my bank statement confirming the charge. DECEPTIVE SALES PRACTICES At the time of purchase on XX/XX/year>, XXXX store representatives actively recommended I finance my XXXX XXXX using my Apple Card and purchase AppleCare+. Neither recommendation was made with full disclosure of material information. First, AppleCare+ does not cover theft. This was never disclosed to me. I purchased XXXX under the reasonable impression that it provided comprehensive device protection including theft. My laptop was stolen less than XXXX days after purchase. Had the theft exclusion been disclosed, I would have sought alternative coverage. Second, the Apple Card carries no purchase protection or theft protection. Most major credit cards provide purchase protection covering theft within XXXX to XXXX days of purchase. Apple representatives directed me to finance this purchase on my Apple Card without disclosing this limitation. Had this been disclosed, I would have used a different card. This omission directly cost me any recourse when my laptop was stolen. When I returned to the store to address this, I spoke with XXXX, who identified himself as running the store. He was dismissive, rushed the conversation, and failed to acknowledge the gap between how these products were presented and what they actually cover. I then contacted Apple Support XXXX times over XXXX hours. The first representative told me to visit the Apple Store for a replacement. The XXXX that followed transferred me between departments repeatedly with contradictory guidance and no resolution. All interactions are logged and on record. On XX/XX/year>, I sent a formal written complaint to XXXX XXXX, Business Expert at Apple Union Square, at XXXX, documenting all of the above. As of the date of this filing, XX/XX/year>, XXXX days later, I have received no response. I have attached this email thread as supporting documentation.

Company response to consumer: Closed with explanation