Credit card -- Fees or interest -- Complaint #17873657
Complaint Overview
Complaint ID: 17873657
Company: Goldman Sachs Bank USA
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Charged too much interest
State: New York
ZIP Code: 10462
Date Received: 2025-11-13T12:00:00-05:00
Date Sent to Company: 2025-12-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On the XXXX of XXXX I sent Apple Pay the full {$1000.00}. On the app it stated pay in full by the XXXX to avoid interest of {$47.00}. XX/XX/XXXX, I received a notice that {$47.00} was applied to my account. I called them immediately. They said it was due to trailing interest of {$8.00} that was en route? I wasn't notified about this route or I would have paid it. Looking into it, I found that the {$8.00} was a refund from a supermarket that had overcharged me. Apple refused to refund the interest. They claimed that on XX/XX/2025 they had already refunded me the interest I complained about then, so they couldn't help me. Well on XX/XX/2025 I also paid in full on the XXXX and was charged interest in XXXX. What is trailing interest and how is Apple allowed not to inform about this so the cardholder can make a payment?? Also since the {$8.00} was a refund not a purchase how can they get away with this nefarious practice?
Frequently Asked Questions
What is Complaint #17873657 about?
Complaint #17873657 was filed against Goldman Sachs Bank USA regarding Credit card specifically about Fees or interest. It was received by the CFPB on 2025-11-13T12:00:00-05:00.
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.