Debt collection -- Attempts to collect debt not owed -- Complaint #8196361
Complaint Overview
Complaint ID: 8196361
Company: Goldman Sachs Bank USA
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Kentucky
ZIP Code: 40403
Date Received: 2024-01-21T12:00:00-05:00
Date Sent to Company: 2024-01-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I noticed that my ApplePay was blocked. I do not use this for transactions and wanted more information. It shows a transaction for Apple XXXX in XX/XX/XXXX which is did not authorize. I have never used Apple XXXX to download anything. Called ApplePay several times. Attempts were fruitless. I was told to contact Goldman Sachs bank. I explained and disputed the charge. Young female agent said she could not remove or refund because it did NOT meet the requirements. I repeatedly asked for explanation and what the requirements were. Girl agent after many delays said she could not release the formation to me. I contacted Apple again. Finally a helpful young man explained it was indeed an Apple XXXX charge in XX/XX/XXXX ( which I did NOT authorize ). He told me the app was preloaded on my XXXX. When I found the XXXX app is says welcome as of never used. I took screenshot. I have never used Apple XXXX and did not authorize the transaction. Neither Apple nor Goldman Sachs will remove the fraudulent charge or give me a reason why they will not. I have spent several HOURS trying to get this charge removed. They refuse. If I had inadvertently used the service, I would find a way to pay the charge. As I said, I did not authorize the transaction nor download any music I have sent the information to XXXX XXXX XXXX and our Ky XXXX of XXXX. I did not authorize this transaction ; my phone will prove I have never used Apple XXXX. This is theft/fraud and I can not get any resolution. My Apple account is XXXX. My phone number is XXXX. This is fraudulent and wrong. They are ruining my credit for {$12.00}. Please help.
Frequently Asked Questions
What is Complaint #8196361 about?
Complaint #8196361 was filed against Goldman Sachs Bank USA regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2024-01-21T12:00:00-05:00.
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 (Debt collection) 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.