Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #6618598
Complaint Overview
Complaint ID: 6618598
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: 94061
Date Received: 2023-02-26T12:00:00-05:00
Date Sent to Company: 2023-02-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint regarding a transaction dispute with Goldman Sachs, the issuer of my Apple Card. On XX/XX/2022, I attempted to make a purchase in the amount of {$430.00} at the XXXX XXXX store using my XXXX XXXX. However, the transaction was unsuccessful, and I had to use another credit card to complete the purchase. Afterward, I noticed an erroneous charge of {$44.00} on my Apple Card statement, which was clearly an incorrect amount, given the applicable 8.125 % sales tax rate. Upon contacting the store manager, I provided them with the purchase receipt, which was automatically emailed to me at the time of purchase, to highlight the issue. The manager acknowledged the error and promised to forward the receipt to the Sales Audit Team for prompt resolution. Despite these efforts, Goldman Sachs failed to locate the receipt and deemed it insufficient to resolve the dispute. Moreover, they demanded additional proof from me, even though I had already provided the only evidence available to me. They did not even request the store to provide the receipt for the {$44.00} transaction, which would have been a logical first step in addressing the dispute. I am writing to request your assistance in this matter, as I have been unfairly burdened with proving the non-existence of a transaction that I did not authorize or make. This request for additional documentation is unreasonable and places an undue burden on me as the customer. I trust that you will look into this matter and ensure that I receive a fair resolution to this dispute. Sincerely,
Frequently Asked Questions
What is Complaint #6618598 about?
Complaint #6618598 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 2023-02-26T12:00:00-05:00.
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.