Consumer complaint received 2026-04-01 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: CA

Complaint narrative:
I am submitting a complaint regarding the handling of a credit card dispute by Goldman Sachs Bank USA XXXX Apple Card ) involving a {$5500.00} charge dated XX/XX/year>, with the merchant listed as Fanbasis * Bogegroup. Prior to making this payment, I was informed by the merchant that, after reviewing my outstanding FICO scores and business goals, I hadqualified for an interest-free line of credit, which led me to believe that financing had effectively been preliminarily approved or arranged. However, after the payment was made, I received written instructions from the merchant directing me to take additional steps that had not been disclosed beforehand. Specifically, I was instructed to : Apply for a new XXXX XXXX credit card ( that would have been my third ) ; Open three separate business checking accounts ( XXXX XXXX XXXX XXXX XXXX XXXX ) ; Deposit approximately {$2500.00} {$3000.00} into each account ( totaling approximately {$7500.00} {$9000.00} ) ; Continue applying for additional credit cards as part of a funding plan. The written communication stated that these steps were necessary to build banking relationships for higher approvals in the next round of funding. This indicated that no line of credit had actually been approved at the time payment was requested, despite prior representations that I had qualified for such credit. These instructions raised not only financial concerns for me but also fundamental ethical concerns, as they required establishing multiple new banking relationships and depositing substantial funds that I did not previously have. These requirements were not disclosed prior to payment and are not reflected in the written agreement provided to me. Before disputing the charge, I contacted the merchant and requested that these newly introduced requirements be withdrawn so that I could proceed under the terms I believed I had agreed to. My message indicated that I was willing to continue if those conditions were removed. When I received no response, I requested that the transaction be canceled and my payment refunded. I then disputed the charge with Goldman Sachs. A provisional credit was initially issued and later reversed. After I requested reconsideration, Goldman Sachs again denied the dispute, stating that there was no evidence to substantiate my claim. I subsequently reviewed the merchants chargeback submission provided to Goldman Sachs. That submission does not disclose that, after payment, I was instructed to open multiple bank accounts and deposit approximately {$7500.00} {$9000.00} as part of a funding plan, nor does it address the representation that I had qualified for a line of credit prior to payment. As a result, I believe that Goldman Sachs evaluated the dispute based on incomplete information and did not consider the full circumstances of the transaction. I propose a fair resolution to this matter that would include : Reinstatement of the {$5500.00} credit to my Apple Card account and removal of any associated interest or fees ; Confirmation that no negative credit reporting related to this matter will remain ; Written disclosure of the documentation relied upon in denying my dispute, including the merchants chargeback submission and identification of the legal merchant of record. This dispute arises from a material difference between what I understood I was purchasing and what was required after payment. Had these additional requirements been disclosed in advance, I would not have agreed to proceed.

Company response to consumer: Closed with explanation