Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #4503050
Complaint Overview
Complaint ID: 4503050
Company: Goldman Sachs Bank USA
Product: Credit card or prepaid 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: Washington
ZIP Code: 99352
Date Received: 2021-06-29T12:00:00-05:00
Date Sent to Company: 2021-06-29T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I made an online purchase using my Apple Card ( issued by Goldman Sachs Bank USA ) on XX/XX/2020 in the amount of {$180.00} from what turned out to be a fraudulent vendor : XXXX ( XXXX ). I realized it when I tried to track my order but couldn't, and when I tried to contact the vendor, the number was disconnected and the email was undeliverable. I disputed the charge with Goldman Sachs within a few days. I never did receive the product. Goldman Sachs has repeatedly resolved the dispute in the vendor 's favor, even though I provided documentation, including the undeliverable email, disconnected phone, paypal community results showing others had encountered the same issue with the vendor. I also contacted XXXX and was told that the vendor had been identified as fraudulent and suspended, which information was also provided to Goldman Sachs. Even after multiple times reasserting the dispute, providing additional information and speaking to numerous customer service representatives, I can not get a clear answer as to why the dispute was resolved in favor of the fraudulent vendor. The Apple Card has been extremely convenient, but this has been the worst customer service I have ever received. I have luckily not had to dispute many transactions, but the couple of other times I have were with other credit card providers who were prompt, communicative and fair. If this is how Goldman Sachs treats an actually verifiably fraudulent transaction, how will they deal with more run of the mill complaints with vendors? I should not have had to continually dispute this transaction for more than 6 months to try to get it resolved. Apple Card users beware.
Frequently Asked Questions
What is Complaint #4503050 about?
Complaint #4503050 was filed against Goldman Sachs Bank USA regarding Credit card or prepaid card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2021-06-29T12:00:00-05:00.
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 or prepaid 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.