Consumer complaint received 2026-02-20 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:
Hello, good morning On XX/XX/XXXX, XXXX suspicious and unauthorized transactions were posted to my Apple Card account. 

After I disputed the transactions, I received the following message from Apple Card : Your Apple Card transaction dispute investigation is complete and the merchant charge ( s ) will remain on your account. Goldman Sachs Bank USA has investigated your transaction dispute and found that no billing error occurred for the following reason : Based on available information, we determined that the transaction was authorized. 

No explanation or supporting documentation was provided. 

The purchases were three ( 3 ) charges of {$220.00} each at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, approximately XXXX minutes apart. 

Below is a timeline of my day on XX/XX/XXXX : - XXXX XXXX  I had a debt in my card from XXXX XXXX, from a purchase I made online and chose to pick up the products at the XXXX XXXX XXXX at XXXX XXXX. 
- XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I spent XXXX {$1200.00} in gas on that gas station that XXXX blocks away from my home. It is an expensive gas station, that is why I just filled up XXXX gallons. I used my physical Apple Credit Card. 

- XXXX pm XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I went to XXXX XXXX to pick up the products I had bought and to buy more products and groceries. I have a XXXX XXXX XXXX ( XXXX  ), and not all the products can be bought online, some of them have to be bought in the club. I paid through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Since I was at XXXX XXXX, I filled my gas tank in their gas station, where I always find the best prices. XXXX XXXX a XXXX XXXX XXXX and I spent XXXX {$44.00}. My gas tank had a little over XXXX gallons, and I filled it up completely. I paid thought the XXXX XXXX XXXX  Unauthorized Transactions - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Here comes the first suspicious transaction. It was a XXXX {$220.00} transaction, in a gas station that is XXXX miles away from the sams club XXXX XXXX where I was before. That number, XXXX, doesnt look like a common value you spend on gas, unless you are refueling an air plane .. That round number looks like some kind of pre-authorization the gas stations can maximum charge your credit card, and I am familiar to that because I own a vending machine business and my credit card reads ( XXXX  and XXXX  ) do the same pre authorization, but in a very smaller amount ( XXXX  {$5.00} ) - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Same place, same value XXXX {$220.00}, only XXXX minutes after the same transaction - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX And that was the third transaction. Again, same place, same value XXXX {$220.00}, only XXXX minutes after the second transaction - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX After I left XXXX XXXX, I met my girlfriend, gave her the physical card, and I went to XXXX, the closest supermarket and my favorite, to shop groceries for myself. I paid using XXXX XXXX. 

- XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My girlfriend, with my card, filled up the tank of her car, a XXXX XXXX XXXX. The car is XXXX, the tank is not that big as my cars tank, that is why she only filled up XXXX {$2900.00} - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My girlfriend, with my card, bought an ice cream on the XXXX XXXX XXXX. 



That was my entire day on XXXX, XXXX, XXXX. 

In summary : Suspicious Transaction Pattern Three identical {$220.00} gas charges, minutes apart, is not normal consumer behavior. 
Why would I : Purchase {$220.00} in gas three separate times At the same station Within minutes of each other {$220.00} appears to be a preauthorization ceiling amount used at gas pumps. I know that because I have a vending machine business and my card readers ( XXXX  and XXXX  ) do the same, in a very smaller amount ( XXXX {$5.00} ). 
I was in possession of my physical card at all times. I immediately contacted Apple Card and canceled the card as soon as I noticed the fraudulent activity. 

Lack of Proper Investigation After Goldman Sachs denied my dispute, I requested the following information : Confirmation whether the XXXX chip was used The unique XXXX XXXX validation for each transaction Whether magnetic stripe fallback occurred Pump number or terminal ID Whether a PIN was entered Authorization logs Fraud scoring analysis Description of goods purchased As of today, I have not received this information. 

Instead, I received only a generic message stating that the transactions were authorized. 

Under the Fair Credit Billing Act, I am entitled to a reasonable investigation and an explanation of the findings. 



Geographic Impossibility I was in XXXX XXXX and XXXX XXXX the entire day. 
The unauthorized charges occurred in XXXX XXXX, CA ( ZIP XXXX ), approximately XXXX miles away. 
According to XXXX XXXX, travel time between XXXX XXXX and XXXX XXXX ranges from XXXX hour to XXXX hour XXXX minutes depending on traffic. 
It is geographically impossible for me to : Be at XXXX XXXX XXXX XXXX in XXXX XXXX at XXXX XXXX  Make XXXX {$220.00} gas transactions in XXXX XXXX starting at XXXX XXXX  Then use my card again in XXXX XXXX at XXXX XXXX  There is not enough time to travel between these locations.

Company response to consumer: Closed with monetary relief