Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #4816057
Complaint Overview
Complaint ID: 4816057
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: California
ZIP Code: 91765
Date Received: 2021-10-16T12:00:00-05:00
Date Sent to Company: 2021-10-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I had filed several disputes with my Apple Card for purchases that I never received. I had contacted Apple Card support and spoke with the disputes department for each of these disputes listed below to file disputes that I never received the purchases. Apple support even ask me for expected dates of delivery for my purchases when I filed the disputes for merchandise never received. I explained that no delivery information or tracking information was ever provided and I believed the merchants to be fake. After I submitted the complaints, some time later I received notifications from Apple Card support that my claims were denied and the reason for the denial was because the transactions were authorized by me. The provisional credits were then reversed and the charge was reapplied to my account. This did not make sense, because my disputes had nothing to do with the transactions being unauthorized, we already knew the transactions were authorized by me, but my disputes were for purchases never received. I contacted the Apple Card Support disputes department and spoke to a dispute specialist and explained to him that the reason for denying my claim does not make any sense and the rep understood my explanation and proceeded to resubmit all of the dispute claims that were denied incorrectly for the reason of the transaction was authorized by me. Provisional credits were applied to my account again, but some time later I received the same notification again from Apple Card support informing me that my claims were denied because the transactions were authorized by me. So contacted Apple Card support disputes department once more to explain that my claims have been denied once again in error, and the rep once again understood and proceeded to reopen the disputes again and crediting my account for the disputes. After submitting these disputes to Apple Card support for a total 3 different times, Apple Card support continued to make the same mistake denying my claims until the timeframe for me to file a dispute expired. Now Apple Card is expecting me to pay the balance for these transactions that I never received due to their negligence in their handling of my disputes. They made the same mistake 3 times and I refuse to be responsible for their own negligence in handling my dispute claims when I had made it clear to them the nature of my dispute. I expect Apple Card to take responsibility for their mistakes and correct the balance on my account. XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX ( DISPUTE REVERSAL ) {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( DISPUTE REVERSAL ) {$1000.00} XXXX XXXX XXXX XXXX XXXX ( DISPUTE REVERSAL ) {$960.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( DISPUTE REVERSAL ) {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( DISPUTE REVERSAL ) {$530.00} XXXX XXXX XXXX XXXX XXXX ( DISPUTE REVERSAL ) {$1500.00} XXXX XXXX XXXX XXXX XXXX ( DISPUTE REVERSAL ) {$1500.00}
Frequently Asked Questions
What is Complaint #4816057 about?
Complaint #4816057 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 2021-10-16T12:00:00-05:00.
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.