Credit card -- Other features, terms, or problems -- Complaint #11159547
Complaint Overview
Complaint ID: 11159547
Company: Goldman Sachs Bank USA
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Other problem
State: New Hampshire
ZIP Code: 038XX
Date Received: 2024-12-14T12:00:00-05:00
Date Sent to Company: 2024-12-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I had a virtual Applecard with the XXXX XXXX issued by Goldman Sachs. I only used it to purchase a phone for my son XXXX years ago and after paying his phone off, I had a {$0.00} balance on that card. I kept the credit limit of almost {$3000.00} open. I had the card stored in my Apple XXXX and locked the card from any usage from my phone or devices in my house. Then this past XXXX, I get a message from Applecard saying I now had a balance of almost {$3000.00} where the card was maxed out down to the very last penny of my credit limit. I was shocked and quite upset since I did not use that card and its extremely suspicious that the charges were down to the very last penny of my available credit limit. That looks like someone used a bot to hack my Applecard and steal my available credit limit. I immediately called Goldman Sachs and told them what happened. It was put through their dispute team and I was told by everyone I talked to that I will not be held responsible for any unauthorized charges I did not make. The dispute with them went on for months where they removed the charges but then kept putting about {$800.00} back on me when these charges were unauthorized. I closed my Applecard where I did research on this and saw that this same exact thing happened to lots of people where their virtual Applecard got hacked and someone racked up their cards, maxing them out. They also said Goldman Sachs kept putting the charges back on them. Ive had many credit cards and Ive never had any of this happen to my accounts. They notify me of all purchases but I never got any notifications from Applecard. Some of the people posting about this problem said they went through CFPB about this very same problem with Applecard fraud and your organization resolved it for them. Hopefully you will be able to resolve this for me as well. Ive been plagued with Goldman Sachs putting the disputed unauthorized charges back on me when I didnt even use that card and actually had it locked from any use in my wallet app. The representatives I spoke to about this problem kept saying not to worry, I wont be held responsible for any unauthorized charges but they keep putting {$850.00} back on me. Its frustrating.
Frequently Asked Questions
What is Complaint #11159547 about?
Complaint #11159547 was filed against Goldman Sachs Bank USA regarding Credit card specifically about Other features, terms, or problems. It was received by the CFPB on 2024-12-14T12:00:00-05:00.
How did Goldman Sachs Bank USA respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Goldman Sachs Bank USA?
Yes, visit the Goldman Sachs Bank USA company profile at readthecomplaint.com/company/goldman-sachs-bank-usa to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.