Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #4773234
Complaint Overview
Complaint ID: 4773234
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: Card was charged for something you did not purchase with the card
State: New York
ZIP Code: 10019
Date Received: 2021-10-02T12:00:00-05:00
Date Sent to Company: 2021-10-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have an apple credit card. I never used my physical apple card more than twice in its lifetime. I have used the 'digital ' number many times for online transactions. On XX/XX/XXXX at XXXX XXXX while I was home in XXXX my credit card 's digital number was charged {$1500.00}. I immediately got notification on my iphone and called apple to report unauthorized use of my card. Apple card started the dispute. I also attempted to call the merchant ( XXXX XXXX XXXX ) that evening to cancel whatever fraudulent order was placed however they could not assist me. On XX/XX/XXXX I was notified that the transaction was not resolved in my favor, an " The merchant provided suffecient evidence that I made the purchase ''. When I called and inquired with apple what proof was made for a fraudualnt transaction they could not provide me the proof and would 'mail me the documents which would take 7 days '. Eventhough Apple and Goldman Sachs both agree there is 0 % liability for unauthorized transactions I wonder why I am being held liable for this unauthorized transaction. I have re-initiated a dispute with apple card and now have to wait another 3 months for an answer. this whole process is very elongated, excludes the customer, and is at best stupid along with goldman sachs customer service.
Frequently Asked Questions
What is Complaint #4773234 about?
Complaint #4773234 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 2021-10-02T12:00:00-05:00.
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 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.