This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade F 1,800 complaints

Goldman Sachs Bank USA - Debt Collector Complaint Profile

CFPB complaint profile across 48 states, reputation grade F.

Complaints by issue type

What consumers report about Goldman Sachs Bank USA

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record goldman-sachs-bank-usa Goldman Sachs Bank USA

Grade F · 1,800 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #96 · compose #479

  • VOL 1,800
  • GRADE F
  • 12MO 1,069
  • STATES 48
  • TIMELY 100%
  • ISSUE Attempts to collect debt n…
  • RANK #96
  • COMPOSE #479

Volume peers

Nearest volume peer: Halsted Financial Services, LLC. (1,805 complaints)

Kikoff Inc.Kikoff Inc.1,795Goldman Sachs Bank USA (this)Goldman Sachs Bank USA (this)1,800Halsted Financial Services, LLC.Halsted Financial Services, …1,805Credit Systems International, Inc.Credit Systems International…1,806Nelnet, Inc.Nelnet, Inc.1,810
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Goldman Sachs Bank USA's 1,800 CFPB complaints sit next to Halsted Financial Services, LLC. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 1,800 complaints break down

Every complaint issue type on record for Goldman Sachs Bank USA, not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
45.9/100
Goldman Sachs Bank USA

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
1,800
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate N/A
N/A
No dispute rate reported.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

California is the plurality state for Goldman Sachs Bank USA (16.4%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state
California 16.4%
Mid-band (15–30%) · 48 states with ≥1 filing
Seasonal peak
2026-01 9.1%
8–15% band · 12 filings
Corpus ranks
#96 volume
#479 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Goldman Sachs Bank USA compare to its peers?

How does GOLDMAN SACHS BANK USA compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
GOLDMAN SACHS BANK USA National average
Complaints (last 12 mo)lower is better
1,069
661
268
Timely-response ratehigher is better
100%
97%
91%
Consumer-dispute ratelower is better
0%
9%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Goldman Sachs Bank USA a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 8 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 94%96%98%100% 0%10%20%30% Timely response rate (%) Dispute rate (%) Goldman Sachs Bank USA vs. 8 similar-volume peers, by response speed and dispute rate Halsted Financial Services, LLC.Credit Systems International, Inc.Nelnet, Inc.CMRE Financial Services, Inc.BTH ManagementAbsolute Resolutions Corp.RentDebt Automated Collections, LLCWorld Acceptance Corporation
Source: CFPB Consumer Complaint Database

Goldman Sachs Bank USA's complaint volume in context

Goldman Sachs Bank USA vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

1,800 Top 2% higher than 98% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Goldman Sachs Bank USA 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
2024-04 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
713
Took or threatened to take negative or legal action
667
Written notification about debt
190
False statements or representation
147
Communication tactics
54
Electronic communications
16
Threatened to contact someone or share information improperly
13

Where do complaints against Goldman Sachs Bank USA come from?

Goldman Sachs Bank USA's own per-state count, not a national baseline.

Top states by complaints against Goldman Sachs Bank USA

Across 48 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Goldman Sachs Bank USA: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 1,800.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.86440677966102%.

4 peers

Know your rights before responding to Goldman Sachs Bank USA: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.