Credit card -- Problem with a purchase shown on your statement -- Complaint #8575097
Complaint Overview
Complaint ID: 8575097
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: Card was charged for something you did not purchase with the card
State: Ohio
ZIP Code: 45241
Date Received: 2024-03-18T12:00:00-05:00
Date Sent to Company: 2024-03-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Sometime in 2020 I opened an Apple Card on my XXXX. For a period of about 2 months I attempted to make small minor purchases with the card and with my Apple Pay on my XXXX. Not one single purchase was ever completed as every single transaction was denied by the bank ( Apple Card/Goldman Sachs Bank ) . The card had a {$0.00} balance on it because it was unusable at the banks choosing. Shortly after receiving the card I contacted Goldman Sachs Bank to inquire on the issue with the transaction denials. They informed me my account was being closed and I would not be able to use the card. They informed me this decision was final. They informed me they will not provide me any other information. They informed me the account was closed. At this point in time the card was never used for any purchase and the balance was in fact {$0.00} and stated to be closed. 4 years later and Goldman Sachs bank is reporting my account as charged off for {$180.00} to XXXX. This is completely false and ridiculously negligent by both parties who I have informed directly of this issue countless times.
Frequently Asked Questions
What is Complaint #8575097 about?
Complaint #8575097 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 2024-03-18T12:00:00-05:00.
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) 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.