3% cash back lost on my iPhone Trade-in

I purchased 4 new iPhone 18 Pro’s.  I completed a trade-in on 1 of those

orders.  Apple gave me $370 for my trade-in. 

The charges for all 4 phones hit my Apple Mastercard.   All those charges were listed as “Apple

Store” purchases.  I received a 3% cashback for those purchases.

Here is where is the issue starts. The refund for my

trade-in was also posted to my Apple Card and listed as an “Apple Store” refund.

Goldman Sachs, the bank used for the Apple Mastercard, charged me 3% because they thought I had returned products to Apple THAT THEY HAD ALREADY GIVEN ME 3% cashback. 

I called Goldman and Apple both offered no real help.

The real issue is how many people lost 3% on their trade-ins and don’t even realize it. 

Has anyone else experienced this issue?

Recommendations?