Consumer complaint received 2025-06-26 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:
1 ) not refund for cancelled purchase instasllments : XX/XX/XXXX {$41.00} Monthly Installment ( 2 out of 12 ) XX/XX/XXXX {$41.00} 2 ) Monthly Installment ( 1 out of 12 ) Unauthorized Installment Charges ( XX/XX/XXXX - XX/XX/XXXX ) Six ( 6 ) charges of XXXX XXXXXXXX billed despite : Original {$630.00} dispute resolved in consumers favor ( Case # XXXX ). 
No product received for the underlying transaction ( XX/XX/XXXX ). 
Total disputed : {$310.00} + accrued interest.

Trade-In Charge Reversal Failure ( {$240.00} ) Documented trade-in refund canceled ( per installment agreement ).

Amount never credited to account.

Dispute Reversals & Interest Errors on XX/XX/XXXX not justified charge of XXXX posted as CASH BACK when this card not allowing cash advance or get cash, charge was not autorized and never REFUNDED XX/XX/XXXX : Dispute reversal for XXXX charge ( {$310.00} ) reapplied as debt. 
Accrued interest charged on disputed amounts ( e.g., {$15.00} in XX/XX/XXXX ). 

Account Closure with Unjust Balance Account closed with {$1000.00} balance despite unresolved disputes.

Goldman Sachs demanded payment for charges under active dispute.

Systematic Failure to Resolve XXXX XXXX : 10+ support chats/transfers ; no resolution. Representatives : Ignored evidence ( installment records, dispute case # ). Refused to escalate to supervisors. Closed chats during business hours. Final response : " No further escalation possible '' without addressing disputes. Regulatory Violations Identified Issue Violation Billing errors Reg Z ( Truth in Lending ) : Failure to investigate/correct errors within 90 days. Dispute handling FCRA/FDCPA : Reporting disputed debt as valid ; demanding payment during investigation. Deceptive practices FTC Act : Misrepresenting dispute resolution process; charging for undelivered goods. Unfair collections UDAAP : Closing account with disputed balance ; threatening credit reporting. Recommended Agency Complaints CFPB ( Consumer Financial Protection Bureau ) Handles credit card disputes, billing errors, and unfair collections. Submit here FTC ( Federal Trade Commission ) Addresses deceptive practices and undelivered goods. File here State Attorney General ( Consumer Protection Division ) Enforces state UDAAP laws ( e.g., CA Consumer Legal Remedies Act ).

CA AG Complaint Portal Federal Reserve Board Oversees Goldman Sachs ( bank holding company ). Submit here Critical Evidence to Include Installment records showingXXXX {$41.00} Monthly Installment ( 2 out of 12 ) XX/XX/XXXXXXXX XXXX XXXXXXXX nstallment records showing {$53.00}

x 6 charges ( XXXX XXXX XXXX ). Di spute resolution confirmation for Case # XXXX ( {$630.00} ). 
Trade-in agreement documenting {$240.00} refund cancellation. 
Statements showing interest on disputed balances ( XX/XX/XXXX ). 
XXXX XXXX XXXX charge of {$630.00} posted as cash back Chat logs proving failure to investigat Final Disputed Amounts Category Amount Proof Unauthorized installments ( XX/XX/XXXX XX/XX/XXXX ) {$310.00} 6x {$53.00} charges for the resolved {$630.00} dispute Canceled XXXX XXXX installments ( XXXX XXXXXXXX ) {$83.00} 2x {$41.00} for a canceled purchase Trade-in cancellation {$240.00} Promised refund never issued Erroneously reposted {$630.00} charge {$630.00} Dispute reversal records XXXX reversal failure ( XX/XX/XXXX ) {$310.00} Statement showing re-applied charge Interest on disputed balances $ XXXX XX/XX/XXXX statement TOTAL DISPUTED {$1600.00} ( Excluding YTD interest ) To : Goldman Sachs Bank USA ( Apple Card ) & XXXX  From : [ Your Name ] Re : Urgent Demand for Full Restitution & Credit Repair 1 . Full Financial Restitution Refund the following disputed amounts immediately : {$1600.00} in total unauthorized charges ( detailed below ).

All accrued interest/fees tied to these charges.

Dispute Category Amount Proof Canceled XXXXXXXX XXXX  installments ( XXXX XXXX ) {$83.00} Installment records Unauthorized {$53.00} installments ( XX/XX/XXXX XX/XX/XXXX ) {$310.00} 6x charges post-dispute Canceled trade-in refund {$240.00} Trade-in agreement Erroneously reposted {$630.00} charge {$630.00} Dispute case # XXXX XXXX reversal failure ( XX/XX/XXXX ) {$310.00} Statement showing re-debiting Total {$1600.00} 2.re-open apple card account, they closed with out excuse.

3. Credit History Repair Restore my credit score to its original XXXX XXXX  by : Deleting all disputed accounts/charges from credit reports ( XXXX XXXX XXXX XXXX ). 
Submitting correction requests to all bureaus within 14 days.

Providing me with : Updated credit reports showing corrections.

A written apology for the damage caused.

Legal Basis : Fair Credit Reporting Act ( FCRA ) 1681s-2 ( b ) : Requires furnishers ( Goldman Sachs ) to investigate and correct inaccurate reports.

CFPB Bulletin 2014-01 : Prohibits reporting disputed debts as " valid '' while under investigation.

4 Additional Compensation For negligence, emotional distress, and reputational harm, I request : {$5000.00} in goodwill compensation ( via check or account credit ).

Waiver of all remaining balances on the closed account.

5 Deadline & Consequences Resolution Required Within 30 Days of this notice.

If Unresolved, I will escalate to : CFPB ( for Reg Z/FCRA violations ).

FTC ( for unfair billing practices ).

State AG Lawsuit ( under CA Consumer Legal Remedies Act ).

Final Statement This dispute has caused severe financial and emotional harm, dropping my credit score XXXX points ( from XXXX to XXXX ). Goldman Sachs failure to investigate in good faith violates federal law. I expect full compliance to avoid further legal action.

Company response to consumer: Closed with explanation