Complaints

This profile includes complaints for The Goldman Sachs Group, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  The Goldman Sachs Group, Inc.

  200 West Street New York, NY 10282-2102

• 

  Goldman Sachs

  555 California St. San Francisco, CA 94104

• 

  Goldman Sachs & Co

  11605 Haynes Bridge Rd Alpharetta, GA 30004

• 

  Goldman, Sachs & Co.

  100 Crescent Ct STE 1000 Dallas, TX 75201-7893

• 

  Goldman Sachs Personal Financial Managerment

  1707 Langhorne Newtown Rd Ste 1 Langhorne, PA 19047-1004

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:07/08/2022

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This complaint is in reference to the original complaint ID #********. ********************** is holding a $429.00 charge on my Apple Card. This is a fraudulent charge caused by an Apple watch order that Apple was unable to deliver. I have asked that this me removed multiple time. My issue is I am hearing impaired, cannot use a telephone and yet Goldman Sachs continues to CALL my cell phone. PLEASE EMAIL ME REGARDING THIS COMPLAINT. EMAIL. ME.*****************

  Business Response

  Date: 07/22/2022

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on July 08, 2022. We appreciate the opportunity to address the concerns raised by *********************** (the Customer) related to a pending transaction from the merchant Apple in the amount of $429.00
  ******** conducted an investigation related to the pending transaction and confirmed that the Customer authorized the transaction with the merchant. As a result of a technology issue, the transaction remained pending and did not fall off. ******** was able to clear the pending transaction in the amount of $429.00, which now appears in the available credit. ******** confirmed that as of July 11, 2022, the Customers total balance is $427.12 and the available credit is $2,072.88.
  Per the Customers request, the Bank will not call the Customer regarding the resolution to this complaint.
  Based on the above details, we kindly request this complaint be closed.

• Initial Complaint

  Date:07/05/2022

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On June 10, 2022 I purchased an Apple Watch 7 on Apple.com. Order number was ***********. This watch was supposed to be delivered to the Apple store located in ***************, ****** ********. It was not. When we went to pick it up we were advised by the Apple Store personnel it was unavailable. So they cancelled my order, and we purchased a watch in the store. It is now July 2, 2022 and the $429.00 is still on my Apple Credit Card balance. Apple is has advised me this is a Goldman Sachs problem. Goldman Sachs is telling me this is a ********* Problem, I am uploaded all pertinent documentation including my entire chat with Apple

  Business Response

  Date: 07/19/2022

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on July 05, 2022. We appreciate the opportunity to address the concerns raised by *********************** (the Customer) related to a pending transaction from the merchant Apple in the amount of $429.00
  ******** conducted an investigation related to the pending transaction and confirmed that the Customer authorized the transaction with the merchant. As a result of a technology issue, the transaction remained pending and did not fall off. ******** was able to clear the pending transaction in the amount of $429.00, which now appears in the available credit. ******** confirmed that as of July 11, 2022, the Customers total balance is $427.12 and the available credit is $2,072.88.
  Based on the above details, we kindly request this complaint be closed.

• Initial Complaint

  Date:07/05/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing this complaint against GreenSky a ******************** On 6/07/22 I sent in a letter to the credit bureaus stating that GreenSky a ******************* is reporting false information on my credit report. Account #**************** is closed but it is still being reported that I owe a balance on all three of my consumer report. I would for GreenSky a ******************* to fix this issue immediately as it has been very detrimental in my life and cause a huge issue with me qualifying for houses and even certain apartments. I would also like GreenSky a ******************* to provide me with legal documentation that states I owe them the amount they are reporting on my credit report within 30 days. I would like this issue resolved and removed from my credit report, or present documentation for proof I owe this money.

  Business Response

  Date: 07/12/2022

  GreenSky has reviewed the customers account and confirmed that the customers account is closed with a current balance due as of 7/12/22. The account balance will continue to report to the credit bureaus until the account has been paid in full or, if not paid in full, the delinquent balance will be reported for 7 years from the date of the delinquency.  GreenSky has reached out to the customer and provided our contact information in case the customer has any additional questions or concerns regarding this matter.  GreenSky apologizes for any confusion caused regarding this matter as we strive for excellent customer service and will continue to improve our process.

• Initial Complaint

  Date:07/05/2022

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On February 20, 2022, I made a purchase on the expressmilieage website. I purchased a mileage tracker as part of a yearly package with VIP service. I had a lot of questions when I first signed up because I didn't understand how the software operated. I repeatedly contacted the company through their website, but no one responded. Although it was claimed in my package that I would receive VIP support, none was provided. I requested cancellation of the services, but I haven't heard back yet. I submitted a charge back complaint through APPLE card services because I haven't been able to use the website since March 2022. They rejected my claim without explaining why, but a representative indicated they could resubmit the claim. I provided proof that I had purchased what I had paid for but had not received it. It's as if the business never existed, collecting money from unwary customers while doing nothing else. However, a Goldman Sachs staffer informed me following the second chargeback dispute that it was rejected because the company's terms of service specified that I was not permitted to submit a chargeback. So if it's specified in the terms of service, I can't request a refund or a chargeback if a business doesn't give the service or product I paid for? I work very hard for my money, and I expect to get what I paid for. Additionally, Goldman Sachs is the worst.

  Business Response

  Date: 07/19/2022

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on July 05, 2022. We appreciate the opportunity to address the concerns raised by ************************************* (the Customer) related to a transaction dispute with the merchant ****************** in the amount of $191.88.
  ******** conducted an investigation and confirmed no Bank error occurred. The transaction with the merchant ****************** in the amount of $191.88 posted to the Customers account on February 15, 2022. The customer initially disputed the transaction on February 18, 2022. ******** applied a temporary credit to the Customers account while the dispute was investigated. ******** ruled the dispute in favor of the merchant on April 28, 2022 and the temporary credit was reversed from the Customers account. ******** sent the Customer an email detailing the dispute outcome. The Customer reopened the dispute on April 28, 2022, June 18, 2022 and July 08, 2022. ******** applied a temporary credit to the account while the disputes were investigated. The Bank ruled each dispute in favor of the merchant on June 18, 2022, July 08, 2022 and July 18, 2022. The Customer agreed to the merchants Terms and Conditions upon signup. The merchants Terms and Conditions state that all sales are non-refundable. The Customer should contact the merchant directly for further questions and assistance related to the purchase. As a result of the dispute being ruled in the merchants favor, the temporary credits were reversed from the Customers account. ******** sent the Customer an email detailing the dispute outcomes.
  ******** conducted a review of interactions and was unable to locate any record of misinformation provided by a Bank representative.
  Based on the above details, we kindly request this complaint to be closed.

  Customer Answer

  Date: 07/24/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  Because I didn't receive what I paid for despite their terms of service, the situation wasn't thoroughly explored. I shouldn't be required to pay if a merchart does not provide what was specified in the purchase agreement. Since then, I've provided proof to back up this assertion.

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  *************************************
  
  
  
  
   
  

  Business Response

  Date: 08/04/2022

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB)Complaint Portal on July 25, 2022. We appreciate the opportunity to address the concerns raised by ************************************* (the Customer) related to a transaction dispute with the merchant ****************** in the amount of $191.88.
  
  The Bank conducted an investigation and confirmed the transaction with the merchant ****************** in the amount of $191.88 posted to the Customers account on February 15, 2022. The Customer initially disputed the transaction on February 18, 2022. The Bank applied a temporary credit to the Customers account while the dispute was investigated. The Bank ruled the dispute in favor of the merchant on April 28, 2022 and the temporary credit was reversed from the Customers account. The Bank sent the Customer an email detailing the dispute outcome. The Customer reopened the dispute on April 28, 2022, June 18,2022 and July 08, 2022. The Bank applied a temporary credit to the account while the disputes were investigated. The Bank ruled each dispute in favor of the merchant on June 18, 2022, July 08, 2022 and July 18, 2022. The Customer reopened the dispute on July 20, 2022. The Bank applied a temporary credit to the account while the dispute was investigated. Based on the Banks investigation and a review of the evidence provided, the Bank resolved the dispute in favor of the Customer. The temporary credit in the amount of $191.88 that was applied to the Customers account was made permanent on August 03,2022. The Bank sent the Customer an email detailing the dispute outcome.
  
  Based on the above details, we kindly request this complaint to be closed.

• Initial Complaint

  Date:07/05/2022

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Greensky/ Goldman Sachs has scammed so many hard working families. They are changing APR's and agreements after you agree to go forward with home improvement loans. I will be on the phone this week to speak to a lawyer! Class action lawsuit in full affect!

  Business Response

  Date: 07/13/2022

  GreenSky is the loan servicing company and provides approved loan funds to the merchant as authorized by the customer.  ********************** did not participate in the sale of goods or services.   We obtained documentation from the customers merchant and confirmed the customer received the loan terms that she applied for and the same terms were listed on the merchant documentation provided to the customer.   ********************** reviewed and confirmed that the loan terms have not changed since the credit application was approved.  GreenSky contacted the customer to discuss her concerns, however, the customer has not returned our calls or emails at this time.  We apologize for any confusion regarding this account.  It is our goal to provide excellent customer service.

• Initial Complaint

  Date:06/30/2022

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Greetings. One afternoon I was looking thru my Credit Report to be greeted with a Apple Card by Goldman Sachs with a balance of $763 saying that I own the card even when I have no knowledge of opening an Apple Credit Card. I had got in contact with Experian, TransUnion, and Equifax to have the account removed from my Credit Reports and it was removed but the Apple Card account still remains according to that ******** Care agent. I would like that card to be closed because I have never opened an Apple Card ever.

  Customer Answer

  Date: 06/30/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me and the matter has been resolved.
  
  Sincerely,
  
  ******** *******
  
  
  
   
  
  

• Initial Complaint

  Date:06/29/2022

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On June 20th I was in a store purchasing an item, went to use Apple Pay, just to find out my card was locked and I couldnt use it. Through the app I tried talking to an agent who was checking as to why and finally transferred me to a supervisor who verified my information and proceeded to tell me that someone called and said I was deceased! After answering more questions, he apologized and unblocked my account. Today June 28th I went to use my card same thing happened, I was switched to a supervisor who told me they now have a death certificate on me and thats why my card is blocked! I told her this happened on the 20th and I was told this was a systems errorshe said she have a death certificate with my name on it! I said with my birth date too?! She told me the birthday was redacted, the parents name was redacted, the cause of death redacted; also she asked me did I have a middle name I said no, but the death certificate did have a middle name, she asked me where was I born, the information on the death certificate did not match my birth place; yet my card is blocked! She also told me the process used to have this removed might take up to 25 days! At this point Im livid! Livid because I always pay my **** on time, sometimes 2x in a month to avoid interest, they dont return the payment saying you are deceased! So Im alive and well when you are taking my money but Im dead when I have to use my card!GOLDMAN SACHS/APPLE YOU KNOW IM NOT DESCEASED! THIS IS THE MOST RIDICULOUS INCONVENIENCE AND EMBARRASSING BUSINESS PRACTICE IVE EVER EXPERIENCED!

  Business Response

  Date: 07/13/2022

  Goldman Sachs Bank *** received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB)Complaint Portal on June 29, 2022. We appreciate the opportunity to address the concerns raised by ************************* (the Customer) related to their Apple Card account.
  ******** conducted an investigation related to the Apple Card account and confirmed an inadvertent processing error related to account status and closure on July 01, 2022. A Bank Representative contacted the Customer on July 13, 2022 and confirmed the Bank is working on a resolution.  ******** will maintain contact with the Customer directly until resolution is complete.
  Based on the above details, we kindly request this complaint be closed.

  Customer Answer

  Date: 07/18/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  Good Day,

  While it is true that I was contacted by Goldman Sachs on July 12th concerning this matter; Im still quite dissatisfied. I do realize that the case is still open and ongoing; but to describe it as an inadvertent processing error is an understatement. Goldman Sachs reported me deceased to the credit reporting agencies, which adversely impacted my credit! This situation started on or about June 20th, with my Apple card being locked and then consequently closed. I was communicating with Apple almost daily with no results. I feel this situation should have been escalated long before you report to the credit bureaus.  I certainly do not feel like I  was treated as a valued customer of **********************/Apple. Im still patiently waiting for a positive outcome to this disaster of a situation!

   

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  *************************
  
  
  
  
   
  

  Customer Answer

  Date: 11/23/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  I filed a complaint #******** with Apple/Goldman Sacks. I thought this was settled but the account that they mistakenly closed because they mistakenly reported me deceased; they have now reported it as a charge off on my credit! Im paying the bill on time every month and this charge off has dropped my credit score 106 points! Please tell me what I scan do
  
  Sent from *************************; 

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  *************************
  
  
  
  
   
  

  Business Response

  Date: 12/02/2022

  
  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to the Apple Card via the Better Business Bureau (BBB) Complaint Portal on November 23, 2022. We appreciate the opportunity to address the concerns raised by ************************* (the Customer) related to credit reporting for the Apple Card
  ******** conducted an investigation and confirmed due to a processing error, the Customers account was incorrectly reported as charged off. On December 01, 2022, the Bank sent an update to the credit reporting agencies to remove the charge off status. The Customer should allow up to 30 days to see the changes reflected on the credit report.
  ******** regrets any frustration the Customer may have experienced.
  Based on the above details, we kindly request this complaint be closed.

• Initial Complaint

  Date:06/29/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Need help with banking

  Business Response

  Date: 07/08/2022

  ****** by Goldman Sachs, a brand of Goldman Sachs Bank *** (the Bank), received the above-referenced complaint via the Better Business Bureau Complaint Portal on June 29, 2022. The Bank appreciates the opportunity to address the concerns raised by ***************** (the Customer) related to the call handling and communication between the Customer and the Bank.
  According to the Banks records, on June 29, 2022, the Customer contacted the Bank to inquire about the balance in their ************** account (OSA) and also about ************************************* (FDIC) coverage. A Bank specialist assisted the Customer with their queries.On the same day, the Customer contacted the Bank; however, after authenticating the Customer, the call disconnected. The Customer once again contacted the Bank,and a Bank specialist resolved the Customers queries.
  
  On June 30, 2022 the Bank contacted the Customer to apologize for the inconvenience and assisted the Customer with their concerns. 
  
  Based on the above details, the Bank kindly requests that this complaint be closed.

• Initial Complaint

  Date:06/28/2022

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I took out a loan for electrical work and the company used greensky. We received a 0% APR loan for 12 months before it the interest would jump to around ~24%. On numerous occasions greensky issued late fees in violation of the loan agreement. They stated late fees would occur 10 days after missed payment. I have screenshots showing the interest being applied (due date of payment) with late fees issued less than 10 days every time.This has occurred 5 times. I am seeking a refund for each of the 5 times I was issued late fees for a total of $195.

  Business Response

  Date: 07/06/2022

  We apologize for any inconvenience the customer experienced.  We contacted the customer and the account contact advised that he filed the complaint.   The customer added the account contact to her account for communication purposes only. We reviewed transaction history and confirmed that late fees are accurate.  The account contact advised that they will contact GreenSky if they have any additional question and/or concerns.   At GreenSky we strive for excellence customer service and we will continue to improve our process

  Customer Answer

  Date: 07/11/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  This response is different from the answers I received via the phone call. I was told that some of the charges would be refunded. I am confused why the public responses posted for bbb are different than what I was told. This concerns me greatly and is not acceptable.

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  *****************************
  
  
  
  
   
  

  Business Response

  Date: 07/14/2022

  We apologize for any inconvenience the customer experienced.  We contacted the customer and confirmed that two late payment fees were waived on 6-30-22.  We also confirmed that the refund check was mailed to the customer on *******. ********************** values doing the right thing by our customers and strives to demonstrate it

• Initial Complaint

  Date:06/21/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Disputed credit card charge from case my case Id previously filed with the bbb ********, now showing up on my cancelled credit card. Even though all documentation has been provided and the company the dispute was against has claimed the chargers would be reversed the card company just stuck another charge on my account from the merchant. I want to make a complaint to the card company, I have spent so much time dealing with them I want this to be fixed and compensated for all the time Ive spent dealing on their worthless customer support as well.

  Business Response

  Date: 07/05/2022

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on June 21, 2022. We appreciate the opportunity to address the concerns raised by ********************* (the Customer) related to transaction disputes with the merchant ******* ******s in the amounts of $98.00, $98.00, $10.69, $53.48 and $294.00.
  ******** conducted an investigation and confirmed no Bank error occurred. The Customer opened an Apple Card and consented to the Apple Card Customer Agreement on January 18, 2020. The account was closed per the Customers request on April 29, 2022. The two transactions in the amounts of $98.00 posted to the account on December 08, 2021 and December 22, 2021, the transaction in the amount of $10.69 posted to the account on February 22, 2022, the transaction in the amount of $53.48 posted to the account on February 22, *************************** the amount of $294.00 posted to the account on February 23, 2022. The Customer disputed the two transactions in the amounts of $98.00 each on December 21, 2021. ******** applied a temporary credit to the Customers account while the disputes were investigated. The Bank ruled the disputes in favor of the Customer on February 28, 2022 and the temporary credits were made permanent to the account. ******** sent the Customer an email detailing the dispute outcomes.
  The Customer disputed the transactions in the amounts of $10.69, $53.48 and $294.00 on February 24, 2022. ******** applied temporary credits to the Customers account while the disputes were investigated. ******** ruled the dispute in the amount of $10.69 in favor of the Customer on February 24, 2022 and the temporary credit was made permanent to the account. ******** sent the Customer an email detailing the dispute outcome. ******** ruled the disputes in the amounts of $53.48 and $294.00 in favor of the merchant on April 29, 2022. The temporary credits were reversed from the Customers account. The Bank sent the Customer an email detailing the dispute outcomes.
  The Customer reopened the disputes in the amounts of $53.48 and $294.00 on April 29, 2022 and temporary credits were applied to the account while the disputes were investigated. Due to an inadvertent processing error, the Bank ruled the dispute in the amount of $294.00 in favor of the merchant on June 18, 2022 and the temporary credit was reversed from the Customers account. ******** sent the Customer an email detailing the dispute outcome. The Customer reopened the dispute on June 18, 2022 and a temporary credit was applied to the account while the dispute was investigated. Based on the investigation and a review of the evidence provided, the Bank ruled the dispute in favor of the Customer. The temporary credit that was applied to the account was made permanent on June 28, 2022. ******** sent the Customer an email detailing the dispute outcome. ******** ruled the dispute in the amount of $53.48 in favor of the merchant on June 21, 2022 and the temporary credit was reversed from the Customers account. ******** sent the Customer an email detailing the dispute outcome. The
  Customer reopened the dispute on June 21, 2022 and a temporary credit was applied to the account while the dispute was investigated. The merchants evidence shows two different contracts that were signed for. One contract for the Customer and the second contract for the Customers spouse. The Customer only provided proof that they requested to cancel their spouses membership and training, but has not provided proof that they cancelled their personal membership as well. ******** sent the Customer an email on June 28, 2022 requesting additional evidence and attempted to contact the Customer on July 01, 2022 to request evidence confirming that the Customer cancelled their membership as well, but was unsuccessful with reaching the Customer. The dispute remains under investigation, and the Bank expects completion within two billing cycles after date of receipt, and no later than 90 days from date of receipt. During the investigation, the Customer does not incur interest for and is not responsible for repayment. The Customer is welcome to contact the Bank for further questions and/or assistance with providing the evidence requested. ******** is unable to provide compensation, or chat transcripts of the Customers conversations with Bank representatives.
  Based on the above details, we kindly request this complaint to be closed.