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: NC

Complaint narrative:
I am filing a complaint against Goldman Sachs Bank/Apple Card for a violation of Regulation Z ( 12 CFR 1026.13 ) regarding an unresolved billing error dispute. 

I disputed a {$1000.00} charge from XXXX XXXX on my Apple Card. This dispute has been ongoing for approximately XXXX  months. Despite my formal written dispute and my Regulation Z letter sent to the bank, the charge continues to be reposted to my account without any proper written explanation, findings, or merchant documentation as required under federal law. 

On [ insert date you received the response ], I received a reply from Goldman Sachs stating only that the charge would be reposted. They did NOT provide : A written explanation of their investigation Copies of documentation from the merchant A description of the reasons for denying my dispute Proof that a proper investigation was conducted This is a direct violation of Regulation Z 1026.13 ( f ) and ( g ), which requires the creditor to provide a detailed written explanation of their findings and evidence supporting the charge. 

They have failed to conclude the dispute properly after nearly a year, and they continue to repost the charge without meeting legal requirements. 

I am requesting the CFPB to compel Goldman Sachs to : Provide a Regulation Zcompliant written explanation of their findings Provide all merchant documentation Remove the disputed charge until they legally resolve the matter Ensure no negative credit reporting or adverse actions occur Correct any violations of federal timelines Thank you for your assistance. This dispute has been ongoing for XXXX  months, and the bank is not following federal law. 

Sent from my XXXX XXXX XXXX I had a consultation, and review. I gave the phone number for my XXXX  to the nurse. The nurse forgot to contact him. Already XXXX  for XXXX on XXXX, I was told that the procedure was cancelled due to their negligence. I NEVER AGREED TO A NEW DATE and have always requested a refund. Re : Cancellation of Procedure : XXXX XXXX XXXX XXXX, Happy XXXX XXXX  to you as well! Your refund was processed last week. It can take up to XXXX days to see this on your bank statement. I'm sorry this didn't work for you. I wish you all the best. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX Direct : XXXX XXXX XXXX  XXXX WARNING : External Email - Think Before You Click or Download, and DO NOT provide your username or password Greetings XXXX XXXX, XXXX XXXX XXXX. I was scheduled for XXXX with XXXX XXXX on XXXX XXXX. While waiting in the XXXX room, already XXXX, I was informed that XXXXXXXX XXXX  staff had not gotten clearance from my XXXX. The procedure was cancelled due to no fault of my own. In fact, I was told on XXXX XXXX by the nurse who took my pictures that she would contact XXXX XXXX. I did provide the name and number for her. She did not do her job and I had to suffer as a result. In addition, I was told on the XXXX that someone would be in contact with me to discuss rescheduling which was never a viable option at this point. No one ever contacted me. Twice I have been told things that did not happen. At this point, I do not trust putting my health in the hands of this company. I have already started a dispute for the XXXX dollars on my Apple Card. I am requesting that the charge be refunded asap. I am also requesting that the account with the finance company be closed for me. Thank you for your swift assistance. Respectfully, XXXX XXXX XXXX The consumer provided the following when submitting the Complaint to XXXX

Company response to consumer: Closed with explanation