Consumer complaint received 2024-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
Goldman Sachs-Apple Card harassed me daily for 6 months or more. for a purchase and subsequent late fees resulting in the additional interest/ past due fees. Ultimately my account would be in a state of default for another three months. During these three months, I would get the notification daily of my default account and I would need to make a payment to resume my financial activity. Every couple of days I would make an attempt to get in touch with Apple Card support trying to explain. I never use the card and never plan to you except for emergencies. The only thing that Ive been done was the mandatory adding it to my Apple wallet when I activated the account. It was not brought to my attention that by doing this it would cause my primary payment method for my Apple account to change to the Apple Card. The only charges that I purchase through the XXXX XXXX is XXXX storage, which isnt very much so I never bother checking the receipt it would turn out. They charged my unused Goldman Sachs card for three months of XXXX storage. The way I found out about this was an alert on my phone telling me my account was past due and that I would need to make a payment and then it was not appropriate financial discipline. Do not pay the bills on time I havent gotten in touch with the Support for Goldman Sachs. They agreed with me if I indeed had not made the purchase nor the change that caused the fraudulent transactions. I was in redirected to call XXXX support on my own and request that the issue a refund and return my Auto subscribe service for my XXXX storage to my XXXX XXXX card. They then told me that they had issued all the refunds and that I should now call Man back And request the remove the late fees. so I did and I was sure after talking with multiple representatives that the account was paid in full and had no chargers and then everything was cleared up not even three days later Im getting messages on my phone again telling me my account is past due and is frozen until it is reconciled so I called Goldman Sachs back again in this time I was told they can only issue a one time late fee forgiveness per account. So I asked what the late fees were for and it would turn out. It was for a lake fee. I was in, instructed that I would have to pay the remaining balance, and that was indeed now in default I now felt less like being treated like the victim to being treated like a thief that doesnt pay his bills on time so like any respectable person would I refuse to pay the balance this led to a back-and-forth over the next week or so with multiple calls every time explaining this now, very complicated situation always resulting to the same response they would act like I just didnt have the money to pay the bill and that I should look into you account reconciliation plans this was insulting. At this point, I didnt know what to do so I did nothing for about another week. I then was contacted by the first debt collection service informing me that if I did not make the payment, it would negatively affect my credit so and then decided it would be best just to pay it and try to figure it out afterwards when I went to make the payment I was informed that I could only do so through direct deposit and that they did not except money orders or any in person method of payment. at the time I did not even have a personal bank account. So I had to go down to my local XXXXXXXX XXXX and open a savings account with a minimum deposit of {$300.00}. I was also given the option to open a debit account, but considering the current situation, my concerns and doubts about credit and debit accounts have been confirmed so my one option was to deposit {$300.00}. After doing so I proceeded to direct deposit something along the lines of {$1.00}. Covering the {$.00} lake fee charge and its interest after that I called Goldman Sachs and made it very clear. They were to cancel my card and to deactivate my account. They did so then told me to have a nice day. I still feel like I was involve in a strong arm robbery with threats of ruining my future credit over a XXXX cent fraudulent charge when I have never even the intention of using their service. this has got to be illegal. Im so frustrated. 
Unsatisfied Customer, XXXX XXXX

Company response to consumer: Closed with explanation