Credit card -- Problem with a purchase shown on your statement -- Complaint #8151926
Complaint Overview
Complaint ID: 8151926
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: Nebraska
ZIP Code: 68046
Date Received: 2024-01-11T12:00:00-05:00
Date Sent to Company: 2024-01-11T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am writing to file a complaint regarding an unresolved dispute with Apple concerning a XXXX XXXX purchase on XX/XX/2023. The product was never received by me due to its damaged condition upon delivery, which led me to refuse it. The XXXX tracking system confirms the refusal of the package associated with my address. Despite numerous attempts to resolve this issue with Apple, including discussions with supervisors, the response has been unsatisfactory and seemingly templated, lacking attention to the provided evidence. The purchase was made using an Apple Card with specific financing options for the XXXX XXXX. I have disputed the charge five times, with the first four attempts being denied without proper explanation or consideration of the evidence. The dispute process is lengthy, taking up to four months, with minimal communication other than requests for additional information, which I promptly provided. The lack of transparency and rationale behind the denial of my disputes is concerning, especially given the fact that the credit card company and the merchant are the same entity, suggesting a potential conflict of interest. The purchase amount was {$3400.00}, separate from the tax amount of {$260.00}. Interestingly, the dispute for the tax was quickly resolved, and I received a permanent credit. However, the main dispute involving the {$3400.00} has been denied four times, despite it being part of the same transaction. This situation has caused significant inconvenience and financial strain, and I seek assistance in resolving this matter fairly.
Frequently Asked Questions
What is Complaint #8151926 about?
Complaint #8151926 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 2024-01-11T12:00:00-05:00.
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.