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

Data updated July 2026

F

Grade F · 48.3/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: Goldman Sachs Bank USA ranks ahead of 12% of the 5,283 collectors PlainCollector grades - 88% keep a cleaner CFPB record, on 1,800 all-time complaints and a 100% timely-response rate.

12th pct
reputation rank of 5,283 graded collectors
1,800
CFPB complaints, all-time
100%
answered inside the CFPB window
1,069
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Goldman Sachs Bank USA?

Goldman Sachs Bank USA has accumulated 1,800 total CFPB complaints across 48 states, with 1,069 filed in the most recent 12 months against 731 historical complaints before that window. The trailing-12-month volume represents 59.4% 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 "Attempts to collect debt not owed", narrowing to "Threatened or suggested your credit would be damaged". The company posts a 100% timely-response rate.

Complaints have been recorded across 48 states, led by California with 295 and Florida with 209. Normalized against the full CFPB collector database, the reputation score of 48.3/100 places Goldman Sachs Bank USA in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

1,800

high-volume (CCDB)

Last 12 months

1,069

59.4% of all-time complaints

Rising ↑

States active

48

multi-region footprint

Timely response rate

100%

excellent band

Reputation grade

F

48.3/100 composite

How does Goldman Sachs Bank USA's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

48 Bottom 12% higher than 12% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). This entry sits in this band. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Goldman Sachs Bank USA versus the debt-collection vertical average.

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?

How does GOLDMAN SACHS BANK USA compare? Versus a similar-volume peer and the national average, 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.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-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

What to do if Goldman Sachs Bank USA contacts you

A grade of F signals how Goldman Sachs Bank USA's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Goldman Sachs Bank USA and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Goldman Sachs Bank USA ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 "Attempts to collect debt not owed", specifically "Threatened or suggested your credit would be damaged". This is based on 1,800 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 1,069 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), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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 (295 complaints).

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

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.