The Goldman Sachs Group Reviews (%countItem)
The Goldman Sachs Group Rating
Address: 200 West Street, New York, New York, United States, 10282-2102
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Goldman Sachs cancelled my credit card number after I disputed a refundable charge. Goldman did not advise me that my credit card was cancelled even after texting with their customer service. The credit card was still cancelled even after confirming on three separate occasions that the credit card was not used fraudulently (transcript available upon request). I now have to invest hours calling vendors that I purchased products for over the weekend and correcting my credit card number used to autopay on reoccuring purchases. Additionally I have to wait 5 business days until I get a judgement on my billing adjustment request and in jeopardy of losing Black Friday and Cyber Mondays deals as a result of losing my credit card number.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID, and find that this resolution is satisfactory to me and the matter has been resolved.
Sincerely
I have a Savings account with *** by Goldman Sachs. In July, I signed up for a promotional offer in my *** account for 1% bonus of savings account. Per this offer, I can get up to $500 bonus if I transfer $50,000 new money into my *** account. When I signed up for this promotional offer, I did transfer $50,000 new money into my *** account from ***. In my online account, it showed that I was qualified for this 1% bonus offer.
I have kept this $50,000 new money in my *** account through now, and the $500 bonus should have been posted to my account no later than November *** based on the promotional offer status link in my *** online account. However, it has passed November *** But I still have NOT received the $500 bonus yet.
by Goldman Sachs, a brand of Goldman Sachs Bank USA (“GS Bank” or the “Bank”), received the above-referenced complaint via the Revdex.com (“Revdex.com”) Complaint Portal on November , 2019. We appreciate the opportunity to address the issues raised by *** (“***” or the “Customer”) and the Revdex.com.
***’s complaint references concerns related to the eligibility of a recent promotion offered by the Bank to customers with an active Online Savings Account (the “OSA”). In July 2019, the Bank offered a Promotion that paid a 1% bonus up to $500 to OSA customers who enrolled in the Promotion, deposited $1,000 or more in new funds into their account and maintained the new funds, plus their balance at the time of enrollment, for 90 consecutive days.
The Bank contacted *** on November , 2019 to thank her for her feedback regarding the application of promotional terms offered by the Bank. The Customer was satisfied with the resolution provided. The Bank believes it has adequately address this Customer’s concern and we kindly request this complaint to be closed.
I am currently owed $2800 by this company and cannot get them to issue a check to me for the money owed. A check was sent to them for $2800 in reference to a loan that had a zero balance. They, in turn, issued me a check for $2800. They did not tell me they had done so and when I received it, there was no notation on it for what it was for and “authorized” was misspelled. When I called in I was told by their representative that the check appeared to be fraudulent and I should not cash it. However we found out weeks later it was not fraudulent and now we have been unable to collect our $2800. We are owed $2800 by the company, they willingly admit it, yet no one can figure out how to get this check reissued. Every time we call we are told the investigation alone will take 7-10 days. This is unacceptable.
November , 2019
Complaint ID: *** (***)
Marcus by Goldman Sachs, a brand of Goldman Sachs Bank USA (the “Bank”), received the above-referenced response via the Revdex.com (“Revdex.com”) Complaint Portal on November , 2019. We appreciate the opportunity to address the issues raised by *** (“***” or the “Customer”) and the Revdex.com.
***’s complaint references a concern related to the processing of a refund check related to her personal loan account. According to our records, the Customer made a $2,800.00 payment on October *, 2019 in error and requested a refund. The Bank approved the refund, and sent the Customer a $2,800.00 check via mail on October , 2019. Upon receipt, the Customer contacted the Bank to confirm the authenticity of the check and was incorrectly informed to destroy the check. The Bank reissued a check for $2,800.00 on November , 2019.
The Bank contacted the Customer of the error and provided the processing time for the expedited check. The expedited check was delivered on November , 2019.
Based on the above details, we kindly request this complaint to be closed.
I made a monthly payment in the amount of $1,130.77 on October *** through Apple Card App and somehow, it's duplicated the payment. I asked the Apple Card Specialist at Goldman Sachs to refund the $1,130.77. They said it would take several days to process a refund. On November ***, I got an email from Apple Card asking whether if I want a refund or apply it as a credit in the account. Again, I already asked for a refund, but I contacted Apple Card Specialist at Goldman Sachs again to confirm that I want a refund. On November , I contacted the Apple Card Specialist at Goldman Sachs to check on the status and was told can take up to 90 days for them to process the refund.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID, and find that this resolution is satisfactory to me and the matter has been resolved.
Sincerely
I have an Apple Credit Card issued by Goldman Sachs. On October , 2019, I made a $500.00 payment to the card. Not only did the card take the authorized $500.00 out of my account, but it additionally took two EXTRA payments of $440.28 out of my checking account. As a result of these unauthorized payments, my checking account with USAA was overdrawn in the amount of $880.56. Subsequently, USAA paid these transactions by using my USAA credit card overdraft protection, thereby reducing my credit limit to the point where I now have no accessible money other than to use the Apple Credit Card until they return the money to me. I am a disabled veteran that gets paid once a month so by doing this they not only effected my credit with the bank but they also prevented me from paying other bills and accessing any funds other than the Apple Card itself. In addition, since this was an overpayment not only did it pay off the card completely but there was a payment in excess of $154.97 which they are not crediting either to my account or to my card balance. In other words although I have access to $3000.00 of credit on my card but not the overpayment of $154.97. I spoke with customer service and the initial agent could not help me (Zoe) so I requested to speak with a supervisor which they were unable or unwilling to do after a long hold.
Revdex.com Complaint ***
ID # ***
Goldman Sachs Bank USA received the above-referenced complaint related to the Apple Card via the Revdex.com (“Revdex.com”) Complaint Portal on November *, 2019. We appreciate the opportunity to address the issues raised by *** (the “Customer”) and the Revdex.com.
***’s complaint references duplicate payments made on their Apple Card account. Due to a processing error, two additional payments were submitted on November *, 2019. The Bank conducted an investigation, and on November *, 2019, the duplicate payments of $440.28 were returned to the Customers external account. The Bank attempted to reach the Customer on November , 2019 to provide assistance with any fees associated with the duplicative payments but was unable to successfully reach the Customer.
Based on the above details, we kindly request this complaint be closed.
Tell us why here...
I signed up for the goldman sachs / apple card. I was approved, received the card. A week later I received an email that my account was closed because they could not verify information. I immediately called support to find out was wrong. I was told GS tried calling me but I did not answer. The number they were trying to reach me on was a phone number I had almost 20 years ago, it was not a number in my application nor in my account information. I've been told by customer service to re-apply, however now my credit has a hard pull and will show an account closed for which it should have never been closed.
Goldman Sachs Bank USA received the above-referenced complaint related to the Apple Card via the Revdex.com (“Revdex.com”) Complaint Portal on October , 2019. We appreciate the opportunity to address the issues raised by *** (“Customer”) and the Revdex.com.***’s complaint references the closure of his account.As part of its regular account review process, the Bank completes a secondary review of applications and opened accounts. On September , 2019, the Bank placed a restriction on the account until additional research could be completed, including contacting the account holder. According to our records, the Bank attempted to contact the Customer regarding the review of the account multiple times on September , 2019 and September , 2019.Due to a processing error, the Bank did not complete the verification when the customer spoke with an Apple Card specialist, and the Customer’s account was closed on September , 2019.Unfortunately, the Bank is unable to reopen the account, and the Customer may wish to reapply for the Apple Card. If the Customer reapplies, the Bank will take steps to have the second hard inquiry removed from the credit bureau.Based on the above details, we kindly request this complaint be closed.
On June *, 2018 I opened an online high interest savings account with Goldman Sachs called Marcus. On July *, 2018 I attempted to withdraw half of the money in the account so all of my life savings would not be in only one location. The funds had been in the Marcus account for OVER 30 days and showed no restrictions. At the point in time that I requested the transfer out my account was immediately locked by Goldman Sachs, they refused to allow me access to any of my money and they accused me of attempting to defraud them. It took over a week to clear up THEIR problem during which time I lost accrued interest on the money and over 5 hours of work time having to respond to outradigious and unnecessary demands to prove I owned the linked accounts, Accounts that they had already, over the previous 30 days, withdrawn money from on many occasions. This was an insult and had absolutely no security implications at all. No one else had access to the account and their refusal had to be solely based on the fact they did not want me to have access to my money, my entire life savings.
Dear ***,
Marcus by Goldman Sachs, a brand of Goldman Sachs Bank USA (“GS Bank” or the “Bank”), received the above-referenced complaint via the Consumer Financial Protection Bureau’s (the “CFPB”) Complaint Portal on July , 2018. We appreciate the opportunity to address the issues raised by *** (“***” or the “Customer”) and the CFPB.
The Bank has implemented certain external account verification processes for the protection of our customers and the Bank. These processes include micro deposits to validate access to linked accounts, as well as automated or manual verifications to confirm ownership of an external account. If an external account does not participate in automated verification, the Bank may require additional information to evidence account ownership.
Prior to the July *, 2018 transfer attempt referenced in the complaint, *** linked an external account to his Online Savings Account (“OSA”) with the Bank. Although the Customer completed the micro deposit process to validate access, the Bank was unable to verify the external account ownership via the automated method. The Bank required further assistance from the Customer to verify external account ownership and placed a restriction on outbound transfers from the Customer’s OSA until verification was completed.
The Customer provided the requested documents on July , 2018 and restrictions on outbound transfers were removed the following day, on July , 2018. A review of our records indicates that the Customer has successfully completed subsequent transfers.
The Bank requires verification for mutual security and apologizes for any confusion or delay this process may have caused.
Based on the above details, kindly request this complaint to be closed.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
[Your Answer Here]
Everything stated is correct except one major thing, they never contacted my banks (there were two banks that they refused to recognize as being mine even thought they verified my ownership thru their apparently useless micro deposits (and withdrawals). I contacted the bank, America First CU, on the day they were to have received the deposits and the bank stated no one ever contacted them regarding Goldman Sachs. Goldman Sachs did not even contact me when they decided to put the transfer on hold, I had to contact THEM. They would have ignored the problem apparently forever had I not been following the request I placed on their website. Lies are not appreciated in an attempt to cover their apparent need to keep my money. All total, all transactions between me, Goldman Sachs, and my credit union where done one on one, there was never a third party or backdoor attempt to circumvent them, but they took it on themselves to determine I did not own VERIFIED accounts they had already completed transactions with. This would indicate to me, reasonably, that they are doing this with every one of their customers, most of whom would have no ability to challenge their intimidating tactics. This is a business the taxpayers bailed out, now they are attaching the people who spent their tax dollars to save them. So they could do this?
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely
Marcus by Goldman Sachs, a brand of Goldman Sachs Bank USA (“GS Bank” or the “Bank”), received ***’s (“***” or the “Customer”) reply to the Bank’s initial response addressing the above-referenced complaint via the Revdex.com (“Revdex.com”) on July , 2018. We appreciate the opportunity to clarify the issues raised by ***’s reply.
When *** linked his external account to this Online Savings Account (“OSA”), he confirmed the micro deposit amounts to validate that he had access to the account via the external bank's statements or website. The micro deposit process did not validate that an owner’s name of the account at the external institution matches an owner’s name of the account at GS Bank.
Although *** may have verified access to the external account, we also typically confirm ownership of the original funding account before we process a withdrawal request. We confirm ownership of the external accounts for the security of our customer and the Bank. We attempt to confirm account ownership through an automated program that attempts to match an owner’s name at both GS Bank and the external institution. In cases where the external institution is not a participant in that program, such as ***’s external institution, we require a customer to provide documentation to confirm ownership or we can conduct a three-way call with the customer and the external institution. Until we can confirm ownership of the external account, we place a temporary restriction on the account. Once *** provided the necessary documentation, the restriction was removed.
In an effort to resolve the concerns, a member of the bank management team has attempted to contact the customer. Unfortunately, the customer was not available to speak, but the manager provided his direct contact information. The Bank again apologizes for ***’s unsatisfactory experience as well as any delay it may have caused.
Based on the above details, kindly request this complaint to be closed.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
It is very apparent, at least to me, that they do not have any valid explanation as to why they would verify my account one minute and consider me a thief when I try to remove money from that same account the next minute. Their "canned" response is useless and I will never agree with a business, a banking business, locking down an innocent customers account for no justifiable reason. And there was NO justifiable reason as nothing happened to the account except ME putting money in it and ME trying to take money out of it. Nothing else transpired during any of the period that the account was active. As of now, it is inactive, they will never be of any interest to me as there are MANY banks both online and local that are much better at dealing with their customers than this outfit.
And BTW, someone claiming to be a Marcus manager called me during the worst time you can call anyone, while I was driving, and wanted me to hold a conversation with them regarding something they would not even explain to me, harrassment? I wonder.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely