Total CFPB complaints
1,475
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 1,475 complaints
GOLDMAN SACHS BANK USA — Debt Collector Complaint Profile
CFPB complaint profile across 48 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about GOLDMAN SACHS BANK USA
- Attempts to collect debt not owed
Attempts to collect debt not owed
612 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
476 complaints
- Written notification about debt 147
Written notification about debt
147 complaints
- False statements or representation 117
False statements or representation
117 complaints
- Communication tactics 43
Communication tactics
43 complaints
F
Grade F · 48.3/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about GOLDMAN SACHS BANK USA?
GOLDMAN SACHS BANK USA has accumulated 1,475 total CFPB complaints across 48 states, with 860 filed in the most recent 12 months against 615 historical complaints before that window. The trailing-12-month volume represents 58.3% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Threatened or suggested your credit would be damaged", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 48 states, led by California with 235 and Florida with 164, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 48.3/100 places GOLDMAN SACHS BANK USA in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
860
58.3% of total history
Rising ↑
States active
48
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
F
48.3/100 composite
Response-quality profile
How GOLDMAN SACHS BANK USA performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 85.7%
Share of US states + territories with at least one filed complaint against this collector.
How does GOLDMAN SACHS BANK USA compare to its peers?
GOLDMAN SACHS BANK USA National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Took or threatened to take negative or legal action476 (%)
Attempts to collect debt not owed612 (%)
False statements or representation117 (%)
Written notification about debt147 (%)
Communication tactics43 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 476 |
| Attempts to collect debt not owed | Debt is not yours | 290 |
| Attempts to collect debt not owed | Debt was result of identity theft | 262 |
| False statements or representation | Attempted to collect wrong amount | 117 |
| Written notification about debt | Didn't receive enough information to verify debt | 107 |
| Attempts to collect debt not owed | Debt was paid | 46 |
| Written notification about debt | Didn't receive notice of right to dispute | 40 |
| Communication tactics | Frequent or repeated calls | 23 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 20 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 14 |
Where do complaints against GOLDMAN SACHS BANK USA come from?
The states where consumers have filed the most CFPB complaints against GOLDMAN SACHS BANK USA. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against GOLDMAN SACHS BANK USA
Across 48 states with at least one filing
- California
California
235 complaints
- Florida
Florida
164 complaints
- Georgia
Georgia
137 complaints
- Texas
Texas
136 complaints
- New York
New York
124 complaints
- Arizona 72
Arizona
72 complaints
- Illinois 60
Illinois
60 complaints
- North Carolina 57
North Carolina
57 complaints
Frequently Asked Questions
What is the most common complaint against GOLDMAN SACHS BANK USA? ▼
The most common issue consumers report about GOLDMAN SACHS BANK USA is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 1,475 complaints filed with the CFPB.
Are complaints against GOLDMAN SACHS BANK USA increasing or decreasing? ▼
Complaints against GOLDMAN SACHS BANK USA are rising. The company received 860 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is GOLDMAN SACHS BANK USA's reputation grade? ▼
GOLDMAN SACHS BANK USA has a reputation grade of F (score: 48.3/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does GOLDMAN SACHS BANK USA respond to consumer complaints? ▼
GOLDMAN SACHS BANK USA has a 100% timely response rate to CFPB complaints.
In how many states does GOLDMAN SACHS BANK USA operate? ▼
GOLDMAN SACHS BANK USA has received CFPB complaints from consumers in 48 states, with the most complaints from California (235 complaints).
What can I do if GOLDMAN SACHS BANK USA is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If GOLDMAN SACHS BANK USA violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |