On XX/XX/year>, I was charged {$510.00} for parking at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX operated by XXXX XXXX XXXX. The publicly posted maximum parking rate at this facility is {$10.00}, and the flat rate after XXXX is {$8.00}. I have provided photographic evidence of the posted pricing. The payment terminal was facing the attendant, not me, and I was not shown the transaction amount before tapping Apple Pay. I was not provided a receipt. The amount charged ( {$510.00} ) exceeds the publicly posted maximum rate by more than XXXX times and can not be mathematically calculated under the merchants pricing structure. I disputed this transaction multiple times as an incorrect amount charged under the Fair Credit Billing Act. I also provided supporting documentation, including the posted pricing and a written summary.…
CFPB COMPLAINT DATABASE
Goldman Sachs
940 real consumer complaints filed against Goldman Sachs at the Consumer Financial Protection Bureau in the last 12 months. 283 received relief from the company. Median federal response time: 15 days.
Most common issues
- 01Problem with a purchase shown on your statement446
- 02Incorrect information on your report75
- 03Managing an account68
- 04Attempts to collect debt not owed49
- 05Problem with a company's investigation into an existing problem39
Top states filing
How others won relief
These complainants filed at the CFPB and the company refunded or credited money in response. The CFPB doesn't force outcomes, but it does force a response in 15 days.
I purchased from passport submission with my apple credit card with XXXX pay on XX/XX/year>. Theyre a scam website that charges XXXX $ to mimic the legitimate pricing of a passport submission. the website did not submit my passport application and they did not provide me additional documents or a formal receipt to my email which they claimed to have done. I had to go in person to the XXXX physical store to pay again for my passport submission and i will provide proof and receipt of that. The XXXX clerk said i got scammed by the website and that i would need to pay the XXXX instead. In addition the real passport website is this https : //travel.state.gov/content/travel/en/passports.html? XXXX & XXXX & XXXX & XXXX the website i paid on is a different scam website with predatory pricing and false claims saying they would email me additional documents and submit my passport. ive tried calling the merchant multiple times and on multiple times of the day but they are unable to be reached.…
I bought a pair of shoes online from this company. They didnt fit as expected. I initiated a return. Paid their {$5.00} fee to return an item. The item was marked return delivered on or about XX/XX/XXXX. On XX/XX/XXXX I received an email from the company stating I would receive my refund within 7 days. That has not happened. Attempts to contact the company directly result in an endless loop of AI chat bots that offer no help. I have documentation of the returned item and expected return of the payment. attempts to dispute this through Goldman Sachs get denied with no explanation
Summary of Facts On XX/XX/XXXX, I booked a hotel reservation at the Sonnenalp in XXXX, XXXX through XXXX for XXXX adults and XXXX child ( age XXXX ). I selected this party size during the booking process. However, the confirmation email reflected only XXXX adults, omitting the child entirely. I contacted XXXX support immediately. Their agent confirmed that the room type could not accommodate XXXX adults and XXXX child and stated that correcting the occupancy would require changing to a different, more expensive room type. I also contacted the XXXX directly, and the hotel confirmed that XXXX had transmitted the reservation as XXXX adults only. Because the reservation could not accommodate my travel party as booked and XXXX would not correct their error at no additional cost, the service I paid for was unusable. I could not check in with my child under the reservation as transmitted by XXXX.…
Most recent letter to Goldman Sachs resulted in another identical boilerplate denial providing no detail or any of the information Id requested. Goldman Sachs Bank, XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX Dear Apple Card Support. Re : XXXX Im frustrated with the lack of progress on this refund claim. Ive talked to Apple Card Support many times and each time it seems Im starting over. Each time I start with your automated menu system before I get to an agent, then if I get through to an agent I explain the claim again. The last agent agreed to provide documentation showing that the services were provided or that I had canceled services in a way not in accordance with terms and conditions. Yesterday I received some documentation from you, but it didnt provide the requested documentation. It did not show that I received the services, or that I had canceled the services.…
Recent complaints
The 30 most recent complaints against Goldman Sachs where the consumer chose to publish their narrative.
Hi Thanks for your response. You got some point of one of the issues. Your reply : " the Bank received the reversed amount deposited back to the account at XXXX XXXX on XX/XX/year>, and can confirm that all interest was appropriately calculated as of this day ''. But this reversal was not returned by other bank. So your bank didn't receive the reversal. Your bank made the block and reversal. You should debit and credit on the same day. I should not pay the price ( interest loss ) even if your blocking was acceptable ( actually not ). Hopefully you understand the situation correctly and make right decision.
On XX/XX/year>, I contacted Apple ( Goldman Sachs Bank USA ) for financial hardship assistance. I was enrolled in a program and received the following written instruction from an official representative : " If you continue to experience financial hardship, please contact us next month to determine what options may be available. '' At no point during this enrollment was a " once every 12 months '' eligibility rule disclosed. I acted in detrimental reliance on this instruction, choosing not to pursue alternative financial arrangements for my XX/XX/XXXX payment because I was explicitly told further assistance would be available. On XX/XX/year>, I followed the banks instructions to seek further help, and that was when I was informed for the first time that the program was only available once every 12 months. This is a clear material omission of the hardship program terms.…
In XX/XX/year> I called in to pay off and close the Apple Card account with Goldman Sachs. I was told the account was paid in full and that the account would be closed. Later, after trying to apply for a home mortgage, I found that APPLE CARD/GS BANK USA have sent my account to collections. The balance is {$2.00}. I have called several times to resolve this with Goldman Sachs, and they have refused to remove these marks from my credit.
I disputed an Apple Card account reported by Goldman Sachs, and the credit bureau updated the account but failed to correct inaccurate information. The account continues to report multiple " invalid date '' entries, which is clearly incomplete and inaccurate reporting under the Fair Credit Reporting Act. Additionally, the account reflects continuous monthly charge-off reporting with no changes in balance or activity, which is misleading and does not accurately reflect the account status. I requested proper verification, including the original agreement, full payment history, and validation of the balance, but no documentation has been provided. This account is being reported inaccurately and without proper verification. I am requesting that this account be corrected or removed from my credit report immediately.
This to update a prior complete and specifically complain of TILA, in addition to bad faith and deceptive practices. The first investigator to respond could not due basic math and her defense was that my {$18000.00} payment was not more than {$14000.00}. She claimed to investigate but also claimed {$18000.00} < {$14000.00}. I only reached her after XXXX hours getting to a supervisor who claimed he was prohibited to reverse more than {$50.00} even if he could see an error or wanted to. After a CFPB complaint, a new investigator called who admitted all previous facts including that XXXX company reps given hours and weeks could not find app feature that would let me know if a payment was pending. However, he claimed there was no design flaw even though it took XXXX months for the company to find someone to explain how the app payment worked.…
On XX/XX/XXXX, I purchased a product from XXXX for {$290.00}. The product was delivered on XX/XX/XXXX. On XX/XX/XXXX, I immediately contacted the merchant after discovering that : - The product was not usable in XXXX ( interface and instructions unclear ) - A required component ( gel or essence/serum ) was missing from the package. On XX/XX/XXXX, the merchant acknowledged that the gel was not included due to a logistical error. On the same day, I confirmed my decision to return the product. Between XX/XX/XXXX and XX/XX/XXXX, I repeatedly requested return instructions. The merchant did not provide a return address or clear return process. Instead, they encouraged me to keep the product and offered a partial refund ( 10 % ). On XX/XX/XXXX, I filed a dispute with Apple Card ( Goldman Sachs Bank ) after the merchant failed to facilitate a return.…
" To Whom It may concern, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3.…
I wanted to transfer a small portion of my savings account to another bank where i could access it easier. XXXX at Goldman Sachs is the bank I have the savings account with. They are an online bank and have no local presence and i dont have a checking account with them so I was trying to transfer it to XXXX XXXX where I can more easily access it. XXXX at Goldman Sachs denied the transfer saying they are " a goal oriented bank '' and they have the right to deny transferring the money to other new accounts. I said, I need access to this money and how can I do that. They said my only option is to transfer it back to the original source of where the money came from ( XXXX XXXX ). Which was another savings account that i closed and no longer had access to, since i setup a new savings account with XXXX. They said they would have to call XXXX and verify it was true that I no longer have access.…
I am submitting this complaint regarding Goldman Sachs Bank USAs handling of a billing dispute for an Apple Card transaction. The dispute involves a transaction date d XX/XX/XXXX ( merchant : XXXX ) under dispute case XXXX. Goldman Sachs denied the dispute, stating only that the determination was made based on available information and that the transaction was considered authorized. However, no explanation or supporting documentation was provided identifying what specific evidence was relied upon in making that determination. Following the denial, I requested copies of the merchant-provided documentation and any materials relied upon in determining that the transaction was authorized. Instead of providing the requested materials, Goldman Sachs sent only copies of my billing statements, which do not contain any merchant evidence or investigation findings. Goldman Sachs then sent a letter stating that it had enclosed the documentation related to this investigation.…
I am filing a formal complaint against Marcus by Goldman Sachs regarding my inability to access my funds and the lack of clear communication or resolution. I opened a savings account on XX/XX/year>, and deposited {$8000.00}. Prior to this, I had a savings account with XXXX XXXX, which I closed after transferring my funds to Marcus. On XX/XX/year>, I attempted to transfer {$75.00} to my XXXX checking account, which is a linked external account on file. The transfer was declined, with the explanation that my account was new. There is no clear disclosure outlining any restriction period for accessing funds, and when I contacted customer service, I was told they could not provide a timeframe for when transfers would be allowed. After reviewing the Deposit Account Agreement, I was unable to find any disclosed policy stating that withdrawals or transfers are restricted due to a new account status, nor any defined holding period.…
I am filing this complaint regarding XXXX disputed charges from XXXX XXXX XXXX totaling {$300.00} ( {$160.00} and {$130.00} ) that my bank has denied despite clear evidence that these charges are not valid. I made a good-faith effort to resolve this issue directly with XXXX XXXX XXXX XXXX The charges in question are associated with a return and/or billing issue, and XXXX & XXXX has indicated that a refund is owed. However, I was informed that they are unable to process the refund due to an active bank dispute on the transactions. As a result, I am now in a situation where the merchant acknowledges that a refund should be issued, yet my bank has denied the dispute and is holding me responsible for the charges. This creates an unfair and contradictory outcome. Despite providing this information, my bank has refused to reopen or properly reinvestigate the dispute.…
I am filing this complaint regarding a disputed charge from XXXX that my bank has denied, despite clear evidence that the charge is not valid. I did not authorize or properly benefit from this charge, and after the dispute was denied, I took further action and obtained a police report documenting the issue. This report supports my claim that the charge was unauthorized and/or fraudulent. I also contacted XXXX directly in an effort to resolve the matter. XXXX indicated that a refund would be issued or acknowledged the issue ; however, they stated they are unable to process the refund due to the active bank dispute. As a result, I am being unfairly held responsible for a charge that the merchant has effectively acknowledged should be resolved. Despite providing this additional and significant evidence, including a police report, my bank has refused to reopen or properly reinvestigate the dispute.…
A collection account is currently listed on my credit report without proper verification. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt ; however, the creditor or collection agency has not provided any credible documentation proving that the debt is mine, that the balance is accurate, or that they are legally authorized XXXX collect it. Despite the absence of proper validation, this account continues XXXX be reported on my credit file. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all reported information must be accurate and verifiable. Reporting a debt that has not been validated is XXXX misleading XXXX incorrect.
Company this complaint is about : Goldman Sachs Bank USA XXXX Apple Card issuer ) Related company ( merchant ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX On XX/XX/XXXX, I was charged {$7500.00} on my Apple Card ( issued by Goldman Sachs Bank USA ) by XXXX XXXX XXXX, XXXX ( " XXXX '' ), a tax resolution firm in XXXX, California. I hired XXXX to provide IRS tax resolution services and up to two years of tax preparation for a total tax liability of {$29000.00}. XXXX failed to deliver the services I paid for. Their only actions were filing two routine IRS authorization forms ( Form 2848, Power of Attorney, and Form 8821, Tax Information Authorization ) standard intake paperwork that takes minutes to complete. XXXX did not negotiate with the IRS, did not file any resolution petition ( Offer in Compromise, Penalty Abatement, etc. ), did not prepare any tax returns, and did not achieve any reduction or resolution of my tax liability.…
This correspondence serves as formal notice of a disputed transaction and potential legal claims arising from both the merchants conduct and the issuing banks failure to comply with governing law. I was charged {$2500.00} by XXXX XXXX XXXX for a XXXX XXXX scheduled for XX/XX/year>. The reservation was canceled prior to the service date, and no services were rendered. The merchants own documentation reflects : Pre-service communication regarding cancellation A final charge processed at XXXX XXXX on XX/XX/XXXX, followed by a cancellation call at XXXX XXXX, within minutes Additional written communication confirming cancellation intent Despite this, the merchant retained substantially the full amount and issued only a {$110.00} partial refund, confirming the transaction was adjustable and not strictly non-refundable. Federal Law Violations 1. Fair Credit Billing Act ( 15 U.S.C.…
I discovered multiple unauthorized transactions on my Apple Card, including charges from XXXX XXXX and XXXX, totaling a significant amount. I immediately reported these transactions to Apple Card ( Goldman Sachs ) and filed disputes as soon as I became aware of them. I also reported that my phone had been lost and that my XXXX ID may have been compromised. Despite this, the company denied most of my disputes without providing sufficient evidence. They did not provide any detailed explanation of how the transactions were verified, including no device information, login history, IP address records, or authentication data. The company simply stated that no suspicious activity was found, which is not a reasonable or transparent explanation. Given the number, frequency, and pattern of these transactions, a more thorough fraud investigation should have been conducted.…
I'm a college student who's experience significant financial hardship over the past XXXX years due to the loss of both of my parents. As a result, I've incurred emergency expenses related to being displaced from my home after the house had to be sold. I lost XXXX of my jobs due to the store being closed, which left me with unstable income. I have not used my Apple Card during that period, and have been actively paying down the balance using my personal savings. My current balance is {$2500.00}, which is slightly over my {$3500.00} credit limit due to accumulated interest, not new purchases. On XX/XX/2026, I contacted Apple Card support via text chat and was told there was nothing they could do. I then called Apple Card by phone on XX/XX/2026 and again was not offered any hardship accommodations. I have been a customer in good standing and have made every effort to resolve this directly with the company across multiple channels in a single day without success.…
I disputed a transaction on my account that was incorrectly handled by the company. The dispute was improperly applied to the full transaction instead of the correct partial amount, which caused misallocation of my payments, loss of promotional terms, and ongoing accrual of high-interest charges. The original dispute amount was approximately {$390.00} of a {$5700.00} transaction, but the company incorrectly applied the dispute to the full transaction. I raised this issue multiple times well in advance of my payment due dates and have continued to follow up. Despite this, the company has failed to properly investigate or reconstruct my account to reflect what my balance would be if the dispute had been handled correctly. As a result, my account now shows an inflated balance ( approximately {$14000.00} ) that includes inaccurate interest and charges directly caused by their error.…
I am submitting this complaint as an escalation regarding my Apple Card account issued by Goldman Sachs Bank USA. I previously disputed multiple transactions on my account that I did not authorize. Some of these transactions appear to have occurred in a foreign country ( XXXX XXXX ), where I have never traveled. These transactions do not align with my known activity or travel history. Despite my disputes, Goldman Sachs maintained the charge-off status and reported negative information to the credit reporting agencies. I have since entered into a settlement agreement in good faith to resolve the balance, not because I agree with the validity of the debt, but because I am attempting to rebuild my financial life. I am currently experiencing severe hardship. I recently lost my residence due to a fire and I am now in a shelter. Despite these circumstances, I have begun making payments under the settlement agreement in order to resolve the account responsibly.…
I am filing this complaint regarding a {$420.00} charge from XXXX XXXX on XX/XX/year>. This charge resulted from an accidental purchase. I already had an active XXXX XXXX XXXX subscription, and while attempting to view pricing for a promotional offer, I unintentionally completed the purchase of a different subscription product ( XXXX XXXX ). I contacted the merchant on the same day to cancel the subscription. The service was never used I did not access, view, or consume any premium content at any time. Initially, the merchant was unable to locate my subscription, which delayed the cancellation process. Despite my immediate request, they later refused to issue a refund, citing a strict no-refund policy. I made multiple attempts to resolve this matter directly with the merchant in good faith. Although they acknowledged the situation, they only offered a non-refundable store credit instead of returning the charge.…
I am disputing an unauthorized {$2500.00} charge on my Apple Card issued by Goldman Sachs that occurred in XX/XX/year> in XXXX. While leaving a XXXX, I was approached and physically blocked by two individuals asking me to sign a petition. They refused to let me leave and created a coercive situation. In order to disengage, I briefly scribbled on the document they presented. Immediately after doing so, the individuals ran away. At that moment, I noticed a {$2500.00} charge on my Apple Card from a merchant labeled XXXX XXXX XXXX. I immediately contacted law enforcement and filed a police report. This incident is documented with the XXXX Police Department under RD Number XXXX, dated XX/XX/year>. I did not knowingly authorize any payment. The interaction involved coercion and deception, and I did not provide consent for any transaction.…
Deposits totaling {$2400.00}, checks in amounts of {$700.00}, {$1700.00}, mailed to Goldman Sachs on XX/XX/XXXX. Deposits don't appear received as of today, XX/XX/XXXX. From past experience, Goldman Sachs does not appear to post deposits when received, it appears they post after check deposits clear, however, I can not be sure. I request Goldman Saks look into this matter, attempt to locate deposit..
I am filing a formal complaint against Goldman Sachs Bank USA for wrongfully declining a legitimate, authorized ACH payment, fabricating excuses about " unanswered alerts, '' and violating federal electronic transfer laws, which has exposed me to financial harm. XXXX. Facts of the Case : On XX/XX/scrub> 2026, I initiated a manual payment of {$3000.00} from my Marcus Savings account to my Bank XXXX XXXX credit card. My Marcus account had an available, cleared balance of over {$7000.00} at the time of the transaction. Furthermore, this specific Bank XXXX XXXX credit card has been fully verified and paid from this exact Marcus account seamlessly for the past XXXX years. XXXX. Wrongful Dishonor and Deceptive Excuses : Despite sufficient funds and a XXXX established payment history, Goldman Sachs arbitrarily declined the transfer. When I contacted their customer service ( call recorded ), the representative falsely claimed they sent a text message/call that I did not answer.…
I deposited the proceeds from the sale of my home into my XXXX account on XX/XX/XXXX and transferred {$50000.00} to open a new Apple/Goldman Sachs savings account . Immediately after, I scheduled XXXX creditcard payoff payments ( Apple Card, XXXX, and XXXX ). Goldman Sachs gave conflicting explanations : first stating the payments would not process because the account was too new, then stating they would process after verification. Only the Apple Card payment was taken ; XXXX and XXXX were returned. When I attempted to transfer my remaining funds back to XXXX, my entire XXXX savings account was locked without notice. I now have no access to my own {$50000.00}, no clear explanation, and was told there were no notes on my file. A new case was opened with a XXXX day review, leaving me unable to access the proceeds of my home sale or pay creditors. I am requesting immediate release of my funds and a clear explanation for the account hold.
This complaint is submitted in the context of an active congressional inquiry and addresses new material conduct in Goldman Sachs Bank XXXX XX/XX/year> response ( third denial ), including mischaracterization of the consumers position and continued failure to demonstrate a Regulation Zcompliant investigation. This complaint concerns whether Goldman Sachs Bank USA conducted a reasonable and compliant investigation under Regulation Z in response to a written billing error notice covering approximately XXXX transactions totaling ~ {$180000.00}. The Bank issued XXXX separate denial responses ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> ), each relying on different and inconsistent analytical frameworks, including a holistic review, a claimed second investigation, and most recently a reissued prior response with no new analysis.…
On XX/XX/year>, my apple card was charged {$58.00} on the platform XXXX with my authorization. The purchase was made using an old XXXX that my kid uses. I attempted to cancel the order immediately with the seller in XXXX once i got the transaction notification, the seller denied my cancellation. I then tried to dispute it through the credit card company and my dispute was denied. During this dispute process I was assured that I am never responsible for unauthorized transactions on your Apple Card account., yet I feel like they are making me completely responsible for this unauthorized purchase.
Marcus Bank made adding Beneficiaries self-service online only where I'm encountering error to enter my son 's details. Customer Service mentioned over the phone that they can not help me with it over the phone! The issue is though every information of XXXX Beneficiary is accurate but encountering error while adding it!!
My savings account with Marcus by Goldman Sachs was recently closed in XX/XX/year> due to suspected fraud due to multiple failed login attempts in XX/XX/year> according to the bank. No reports of fraud was sent to me, only a notice for me in XX/XX/year> to call Marcus about an issue with the account. After the closure, I lost all online access and can no longer view my balance or transaction history. At the time of closure, my account balance was {$15000.00}. When I contacted customer service, I was told the account is closed and that it needs to be reopened and that I need to file a dispute for " transfer of funds '' to obtain my funds back and this can only be done through mailing in forms. They refused to allow me to file any other type of dispute when I clarified that I have never transferred any funds. They also elaborated that this entire process can take more than 45 days.…
In XX/XX/year>, I booked a hotel reservation through a third-party company called Guest Reservations ( guestreservations.com ) for a XXXX stay at The Cosmopolitan of XXXX XXXX, checking XXXX XX/XX/year>. The total charge was {$1500.00}, which included {$410.00} in service fees charged by XXXX Reservations not the hotel. I attempted to cancel the reservation within approximately XXXX hours of booking. The stay was over XXXX months away. Guest Reservations cancelled the reservation ( confirmation XXXX now shows status : CANCELLED ) but refused to issue any refund, citing a non-refundable cancellation policy. No hotel stay or services were ever provided to me. I filed a billing dispute with Goldman Sachs XXXX Apple Card ) for the full {$1500.00}. Goldman Sachs issued a provisional credit but then reversed it XXXX times, siding with the merchant. I filed a second dispute and was again denied. Goldman Sachs cited that I accepted the merchants terms and conditions.…
I am filing a complaint regarding an unresolved fraud dispute on my Apple Card ( issued by Goldman Sachs ). On XX/XX/year>, my Apple Card was charged {$9.00} by XXXX. I did not authorize this transaction and I do not have an XXXX account. I immediately disputed the charge. On XX/XX/year>, a temporary credit was applied to my account while the investigation was pending. On XX/XX/year>, I was notified that the dispute was denied. The reason given was that the transaction was authorized and that a refund had already been issued. The temporary credit was then reversed and I was charged again. This determination is incorrect for the following reasons : I do not have an XXXX account and have never authorized any XXXX transactions. I did not receive any refund to my Apple Card. The company has not provided proof that the transaction was authorized by me.…
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