Credit card -- Problem with a purchase shown on your statement -- Complaint #19055703
Complaint Overview
Complaint ID: 19055703
Company: Goldman Sachs Bank USA
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement
State: New York
ZIP Code: 132XX
Date Received: 2026-01-27T12:00:00-05:00
Date Sent to Company: 2026-01-28T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX at approximately XXXX XXXX and XX/XX/XXXX at approximately XXXX XXXX, XXXX charges were posted to my Apple Card account from the merchant listed as XXXX. I do not recognize these charges and did not authorize them. I have not placed any orders with XXXX since XXXX, which I can verify through my XXXX account history. After noticing the charges, I contacted XXXX directly. XXXX informed me that they are unable to locate these transactions on their end and that the charges do not appear on my XXXX account or order history. ( I attached my XXXX order history and the fees charged to my XXXX seller account for the month of XX/XX/XXXX. ) I subsequently filed a dispute with Goldman Sachs ( Apple Card issuer ). I also changed my XXXX account password, changed my XXXX credit card number, and turned on Advanced Fraud Protection on my credit card. Despite my statements that the charges were unauthorized and despite XXXX inability to locate the transactions, Goldman Sachs denied my dispute twice. Goldman Sachs stated to me over the phone that, based on their advanced technology, they determined that I authorized the transactions. No documentation demonstrating that I personally and knowingly initiated these transactions has been provided to me despite repeatedly asking. Goldman Sachs further stated verbally that the only explanation for the charges not being mine would be if my account or device had been compromised, and they suggested that I file a police report, which I have done. At the time both transactions occurred, I was working as a resident physician at a hospital and was actively caring for patients. I did not make any purchases at those times and did not knowingly authorize any XXXX transactions. I am concerned that Goldman Sachs has improperly treated the use of my credentials, device, or location as proof of authorization, rather than addressing whether I personally and intentionally initiated these transactions. I believe this constitutes a failure to properly investigate and resolve an unauthorized charge under the Fair Credit Billing Act.
Frequently Asked Questions
What is Complaint #19055703 about?
Complaint #19055703 was filed against Goldman Sachs Bank USA regarding Credit card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2026-01-27T12:00:00-05:00.
How did Goldman Sachs Bank USA respond to this complaint?
The company responded with: "Closed with monetary relief". 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.