Date Received: 2017-12-06
Issue: Improper use of your report
Subissue: Received unsolicited financial product or insurance offers after opting out
Consumer Complaint: I received a solicitation from XXXX by XXXX XXXX in the mail on XXXX/XXXX/XXXX addressed to my XXXX XXXX XXXX daughter saying she is eligible to apply for a personal loan. I called XXXX ( XXXX ) to request they remove every individual at my mailing address from their solicitation list. The XXXX representative asked for the names of all individuals in the household, which I refused. The representative said they would not be able to remove " everyone '' at the address unless I gave their names, and suggest I contact every credit reporting company with my complaint. I disagree with this practice as it violates my childrens ' right to privacy and protection against predation. XXXX XXXX has no need or right to request the names of my children.
Company Response:
State: CO
Zip: 80526
Submitted Via: Web
Date Sent: 2017-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: original loan never assumed by owner, but forged signatures.yet still was paying amts 'owed ' until daughter discovered evidence of fraud. Did n't owe any new mortgages-debt paid, but was paying bank anyway. Now 'loan ' assigned to 3-4 people since XXXX , and modification [ and consolidation? ] resulted in monthly PMT increase? second application denied not before but AFTER foreclosure filed. Had been sending, repeatedly, to complete application to XXXX, the same docs, and no decision made known to me until lis pendens filed in courts.Also, Improper service. XXXX after reporting fraud to them, sent document for info to sign and formally make claim of fraud official, but they do n't own loan anymore. Bought, securitized and pooled by different entity. Looked up loan and owners not listed as original lenders. cant find lender/owner of loan and only loan servicers, saying they worked for bank, served as only contact. Nearing foreclosure judgment due to no atty representation, as senior citizen not receiving mailings of papers filed until discovered court filings. Was duped by banks issuing loans in my name. Similarly, land recording records indicate ownership and sale of property never sold or transferred causing 2yrs uncorrected deeds, sale transfer, and passing on of mortgages also not taken out by me.. XXXX same bank involved, with MERS with possible fraud conspiring with and/or by and among atty, notary, 'buyers ' brokers, etc ... incl. original ownership mortgage pmt to ATTY.XXXX XXXX, IN XXXX. Though had ID theft reported to credit bureaus-froze report since XXXX, but how are there new loans? impossible without checking report and my identity-confirmed identity of applicant borrower. And high interest rates though I, true homeowner had excellent credit until the fraudulent acts committed in my name, via fake signatures, falsified dates, recordings. Went to DA, AG, and reported fraud, but still proceeding with foreclosure action in ny. Have been a victim of housing crisis, lack of accountability, robo-signing, and clearly criminal misdeeds by others, more criminally savvy with no honorable intentions at all. XXXX, woman, now elderly and am paying for 'rimes ' never committed, and unknown to me. Used to believing in the fairness and honesty of banks and finanial institutions, and giving benefit of doubt, and feeling embarrassed to acknowledge vitimization, submitted mortgage payments anyway. It is impossible to ontinue in my senior years, paying for something illegal and unthical. Want to enjoy retirement, my life in my later years. Someone has to right these wrongs, please. And ease harrassing and further embarrassing me, sarring my name and reputation as a 'non-payer '. I always paid my debts without fail. Chek my records, past reditors. I even closed credit card acts with limits that were XXXX and above, in fear of continued fraud and id theft. Didnt know where to turn. Now, there is no other choice. XXXX still lives, I still believe. [ there are many more pertinent docs to support complaint, and i reserve right to admit them in the future in regards to this form 's contents
Company Response:
State: NY
Zip: 11692
Submitted Via: Web
Date Sent: 2017-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-21
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: My title company sent a check to payoff my installment loan early on XX/XX/XXXX. Thought this was all taken care of until I was looking at my credit report online on XX/XX/XXXX and the report stated that I still owned {$170.00}. I tried to get online to look at my account but I had been locked out and so I called and talked to a account representative, and an account manager who told me I could not get back on my account and I could not get a statement, I was just to pay the amount demanded. When I asked what was the number to their legal department they said they could not hear me any more and disconnected the phone. I do remember going online at the end of XX/XX/XXXX and seeing something about my account being {$60.00} or {$70.00} left on it and I paid it. I should have a XXXX balance but I ca n't get a statement. The payoff amount they gave to my title company and they sent the check.
Company Response:
State: NV
Zip: 89149
Submitted Via: Web
Date Sent: 2017-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: cra violation must remove violation of my rights idthft victim po report send hpd inquires are not mine
Company Response:
State: TX
Zip: 77006
Submitted Via: Web
Date Sent: 2017-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-11
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a CD account w/ GS Bank/Goldman Sachs on XXXX XXXX. 2017 on the telephone ... since ... .today, 17 days later, I have not recieved any confirmation at all about this account. No e-mail, no hard copy, nothing! In addition, I have called GS bank 3x first asking when will the " trial transfer '' happen, they said ... '' we do n't tell you '' ... .I 'm asking " how am I suppose to know??? to confirm back to you? '' ( every other financial instituation sends e-mail trial transfer amounts to comfirm BACK to them! ... .then tonight I got " grilled '' /security abuse for asking why, when, where has my CD been funded! they asked more than 5 security questions ( I thought the LEGAL was 3 ) and they/customer service wo n't tell me their name, ID, reference, nothing! who are these people? are they " bonded '' ... this is OUT of CONTROLL! security abuse!, no info. on my ( JUMBO ) CD ... .this is a TERRIBLE ... BAD BANK ... .. BEWARE of GOLDMAN SACHS - GS Bank
Company Response:
State: CA
Zip: 90039
Submitted Via: Web
Date Sent: 2017-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Today we learned that Goldman Sachs, investor of our mortgage turned down our mortgage modification appeal. It was actually news to us as we were never informed that Goldman Sachs was investor of our loan despite 2 requests. We know that the whole modification process was botched with repeated documents missing and the threat to foreclosure on us. In addition the Home Owner 's bills of right was n't follow as the appeal was botched too. We also know that the documents we sent for the appeal were n't used at all. 1- Please provide the data used by Goldman Sachs for the decision. 2- Please send us the list of documents you received from us for the appeal. Absence of these, We 'll get a lawyer to freeze the foreclosure in court.
Company Response:
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2017-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-16
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Company : Goldman Sachs Bank USA Issue : This company is intentionally limiting the manner in which I can access my own account data. I use XXXX XXXX for budgeting purposes and this platform provides significant support in my pursuit for financial wellbeing and effective money management. GS Bank unilaterally made the decision to block XXXX 's access to any GS Bank account data, which prevents me from accessing my savings account data in the XXXX platform. This causes me to have an erroneous view of my holistic finances, which can lead to my making decisions that will be detrimental to my finances. The access denial is not even across the board for all aggregators. GS Bank permits XXXX XXXX ( XXXX ) to access account data while they refuse XXXX 's access to the very same data. I contacted GS Bank on XX/XX/XXXX requesting that they stop blocking XXXX 's access. They provided no response to me and did not lift the block. I sent another follow up message on XX/XX/XXXX and have, again, received no response and still am unable to connect with my account data through XXXX XXXX. I am closing my account with GS Bank on account of this and request that the CFPB investigate the unsound practices at GS Bank based on no identifiable logic whatsoever. Furthermore, I would like to see stronger guidance from the CFPB pertaining to aggregation and consumer access to data. I am fully aware of the risks that I incur by sharing my credentials with aggregators ; however, this is my decision to make and it is my accounts from which money might be moved should malicious actors breach an aggregator 's security and obtain user credentials. I knowingly accept these risks because the personal financial management benefits I get from aggregation services far outweigh the risks in my current financial situation. Ideally, the CFPB will mandate that all financial institutions over a certain size ( that are therefore financial capable of building out the necessary infrastructure ) implement oAuth and API-based data sharing so that customers like me can more securely access their data on their terms in the places they want to. Consumers beware, GS Bank thinks they know better than you what is best for your financial wellbeing. Or worse, they do not care about helping you achieve financial wellbeing and care only about limiting their potential liability, even though this can be done through terms and conditions presented to customers.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2017-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-26
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I added my wife 's name to my account with GS Bank ( Account # XXXX ). The bank requested a new signature card, which my wife and I completed, and I returned. I then received an email saying that the card was not received. When I called, I was told that it was received, but that my social security number was incorrect. As far as I can tell, a zero with a slash through it was incorrectly read as a " XXXX '' rather than a " XXXX ''. The representative told me that a new signature card would be sent overnight on XX/XX/XXXX, and all that was required was my signature and another copy of my SSN. That overnight letter was not mailed until XX/XX/XXXX, and received on XX/XX/XXXX. When I called and asked what happened, " XXXX '' told me that they made a mistake, and " that happens. '' He also told me that I would have to again travel and obtain my wife 's signature, and provide the other easily provided information. When I called again today, I was told that " everything is ok '' without any explanation. I do n't know what is needed, or why the delay/error occurred. The explanation that " errors just happen '' indicates to me that GS Bank has not resolved essential process aspects to their banking model. I would like a clear explanation of what is needed at this time, and how they want the SSN written or typed.
Company Response:
State: MD
Zip: 21208
Submitted Via: Web
Date Sent: 2017-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-18
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: " GS Bank | Online CD and Savings Accounts www.gsbank.comXXXX Get a high yield CD from GS Bank today! ... the check payable to your name ( make sure the name is the same as on the account ) or Goldman Sachs Bank USA. '' My name is XXXX XXXX - please protect this name when publishing this complaint. Tried to open a CD online in XXXX-2017 and was rejected for providing incorrect info. I know that the information I provided was correct. So I called GSBank at ( XXXX ) XXXX and was rejected again. Considering the XXXX data breach I contacted GSBank at the # above asking them for the reason for the rejection or for the source of their incorrect info. The Cust Srvc Rep - XXXX - at GSBank told me that he could not disclose the reason why I was being rejected or the source of their incorrect info. I need to find the source of this bad info so that I may protect myself as it is possible that somebody could be fraudulently be impacting my personal info. Please help.
Company Response:
State: NY
Zip: 106XX
Submitted Via: Web
Date Sent: 2017-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: CFPB, this is not a duplicate complaint. We have additional questions that need to be answered! This complaint is for Goldman Sachs Bank only to answer the following questions. 1st, when Goldman Sachs purchased our loan in XX/XX/XXXX from XXXX XXXX XXXX and placed our loan/asset into a pool of trust known as XXXX XXXX XXXX XXXX XXXX, did XXXX XXXX bundle our mortgage loan/asset with other loans/assets in XX/XX/XXXX-XX/XX/XXXX and sell them to another investor? 2nd, did Goldman Sachs ever violate any federal or state laws from XX/XX/XXXX to XX/XX/XXXX regarding the performance of subprime residential mortgage backed securities ( RMBA ) as documentation reflects? 3rd, does Goldman Sachs still maintain electronic records that will reflect who Goldman Sachs sold our loan to in XX/XX/XXXX-XX/XX/XXXX? 4th, is Goldman Sachs policy, to maintain accurate records at all times? 5th, is n't it a fact that Goldman Sachs Bank is not responding to our questions because Goldman Sachs knows that our mortgage loan/asset was part of the Justice Department investigation in XX/XX/XXXX which found Goldman Sachs guilty in conduct in packaging, securitization, marketing, sale and issuance of residential mortgage backed securities RMBS ) between XX/XX/XXXX-XX/XX/XXXX and agreed to pay {$5.00} XXXX in connection with its sale of residential mortgage backed securities? 6th, is Goldman Sachs aware that due to these bad business practices from Goldman Sachs, XXXX XXXX XXXX ( our previous servicer that Goldman Sachs owned ), XXXX XXXX XXXX, the trustee, XXXX XXXX XXXX have caused us mental and emotional damage? 7th, is Goldman Sachs aware that we still maintain a mortgage balance of {$250000.00} even after fraud by your company has occurred? 8th, is Goldman Sachs aware that your company violated our rights, federal and state laws along with consumer rights which has caused us mental and emotional damage? 9th, is Goldman Sachs aware that if the original note and the original Deed of Trust has been lost, Goldman Sachs, XXXX XXXX XXXX ( our current servicer ), XXXX or the trustee, XXXX XXXX XXXX ( the trustee ) can not legally enforce our loan documents nor the HAMP modification in XX/XX/XXXX that reconfirms the original mortgage documents? 10th, is Goldman Sachs aware that multiple federal and state agencies have complaints regarding the servicing of our mortgage, the fraud that occurred by your company and that we are seeking justice and compensation?
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A