Date Received: 2017-08-08
Issue: Credit monitoring or identity theft protection services
Subissue: Received unwanted marketing or advertising
Consumer Complaint: A company XXXX : by Goldman Sachs, placed an unsolicited request for my credit history from XXXX Credit Reporting agency. NO.. authorization or request for credit was ever submitted by me for a personal loan. I had received an unsolicited email marketing advertisement from : '' XXXX XXXX XXXX XXXX '' and was just scrolling through the listing of companies offering loans and what their Interest and terms were. NOTHING MORE ... .just a review of their listing. Goldman Sachs placed a " Soft Inquiry " to XXXX to get my credit history. I never sought/ requested or gave authorization to any one to review my credit history. I feel Goldman Sachs was using the marketing Ploy by " XXXX XXXX XXXX '' as unlawful/ fraudulent effort to get Names and Credit History. Goldman Sachs would not withdraw or inform XXXX Co that their request for my credit history was an attempt at invading my personal privacy ' It is Just another form of " Identity Theft ''. Please look into this matter. If it happened to me, ... it probably happened to anyone who might have reviewed that XXXX XXXX Advertisement.
Company Response:
State: FL
Zip: 32765
Submitted Via: Web
Date Sent: 2017-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-12
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Most likely the Bank wont open my account because I do n't have credit.
Company Response:
State: IL
Zip: 60031
Submitted Via: Web
Date Sent: 2017-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We were forced to file another complaint against Goldman Sachs due to the CFPB marking case # XXXX a duplicate. The facts are, Goldman Sachs failed to respond to complaint # XXXX within the 60 days allowed. The CFPB Directors Office stated that if the business fails to answer all of our questions or fails to respond, consumers are allowed to file another complaint until the consumer gets an answer! Our complaints are NOT duplicates and we request that Goldman Sachs answers our questions and provides documentation. NOTE : this complaint will also be forwarded to the CFPB Directors Office along with the CFPB Ombudsman Office so this issue will not occur again now or in the future! Now, we filed a complaint with the CFPB, complaint # XXXX against Goldman Sachs on XX/XX/XXXX ; it has been over 60 days. Goldman Sachs has failed to answer our questions and provide documentation. We are requesting that Goldman Sachs answers our questions and provide the documentation as we requested. We realize that this is an old account but its my understanding that Goldman Sachs has digital archives. If Goldman Sachs sold or transferred our mortgage loan to another investor, Goldman Sachs should have maintained records of this asset being sold or transfer for accounting purposes! Goldman Sachs is fully aware of what is going on with our loan since they purchased our loan in XX/XX/XXXX from XXXX XXXX XXXX and placed the asset into a pool of trust, known as XXXX XXXX XXXXXXXX XXXX XXXX. The questions below are the same questions we asked in complaint # XXXX. First, after purchasing our Note and Deed of Trust from XXXX XXXX XXXX in XX/XX/XXXX ; did Goldman Sachs ever sell, transfer or Reconveyance our Note and Deed of Trust which is located in XXXX XXXX XXXX XXXX XXXX? Second, if so, who did Goldman Sachs sell, transfer or provide a Reconveyance too? Please provide documentation! Third, please provide dates with your documentation! If Goldman Sachs continues to not respond to our questions and fails to provide documentation, then Goldman Sachs is hiding something whether it mortgage fraud, bankruptcy fraud or Securities fraud. The facts are ; Goldman Sachs owned XXXX XXXX XXXX which XXXX reflected in a modification dated XX/XX/XXXX that XXXX XXXX XXXX XXXX XXXX XXXX was the current investor! If this information is correct, Goldman Sachs sold or transferred this asset to a company that had went chapter XXXX bankruptcy on XX/XX/XXXX in the District of Delaware! If XXXX XXXX was not the investor, then XXXX XXXX XXXX, a company that Goldman Sachs owned in XX/XX/XXXX provided fraudulent mortgage documents! This is something that all federal and state agencies must investigate due to the financial crises in XX/XX/XXXX caused by large banks, mortgage companies and investors! All companies that have violated our laws must be held accountable for their actions and compensate victims for any and all damages! NOW ; if Goldman Sachs did n't do anything wrong or violate any laws, Goldman Sachs would answer all of our questions honestly and provide the documentation requested. We request that Goldman Sachs answers all of our questions honestly and provide documentation!
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-29
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I got a loan with Goldman Sachs for XXXX. The percentage agree upon was XXXX. But they are taking right at XXXX dollars for ever XXXX XXXX XXXX towards interest. That 's 25 percent.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2017-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This complaint is for Goldman Sachs to respond too only! On XX/XX/XXXX, Goldman Sachs responded to our previous CFPB complaint, XXXX which raised additional questions. Per the CFPB directors office, we are entitled to file an additional complaint, if additional questions are raised and if our questions were not answered! We request that Goldman Sachs answers all of our questions below honestly and provide documentation as requested. Goldman Sachs stated ; Goldman Sachs purchased the loan from XXXX XXXX onXX/XX/XXXX pursuant to a flow mortgage loan purchase and warranties agreement. Goldman Sachs further stated ; the loan was then transferred to XXXX XXXX as trustee for the benefit of the certificate holders in XXXX XXXX XXXX XXXX XXXX. Goldman did not and does not have any involvement in or control over the operations of XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX. Rebuttal ; when an asset is transferred from the investor to the trust for securitization, it does not mean that the trustee ( XXXX XXXX ) is the new investor! Isnt it true that when an investor places an asset into a pool of trust ( securitization ), the trustee issues a certificate to the investor so the trustee will know who to send funds to and for which asset? Now, per the S.E.C archives ( form XXXX ) clearly reflect that Goldman Sachs Mortgage Company is the sponsor and XXXX XXXX XXXX XXXX as the depositor of XXXX XXXX XXXX XXXX XXXX. Now ; after presenting Goldman Sachs with this information, does Goldman Sachs still maintain innocence that Goldman Sachs does not have any involvement with this trust? The S.E.C also reflects that the master servicer is XXXX XXXX XXXX XXXX and the trustee is XXXX XXXX XXXX! The S.E.C clearly reflects that the mailing address and business address on file for Goldman Sachs is ; XXXX XXXX XXXX XXXX XXXX NY XXXX. Now ; when any information has changed regarding securities, isnt Goldman Sachs required to notify the S.E.C? It appears that Goldman Sachs current address is XXXX XXXX XXXX XXXX XXXX NY XXXX. It is my understanding that the depositor or creator of the trust is fully aware of what is occurring with their own trust that they created, isnt this true? Goldman Sachs further stated ; to the extent XXXX XXXX has questions regarding the servicing of his loan or the ownership of his loan, XXXX XXXX should contact his current servicer. Rebuttal ; we will not be able to retrieve the information that we are seeking from our servicer. The reasons are ; the servicer has stated in the past that the information you seek is proprietary and confidential. Also, none of the information you requested is relevant to the servicing of your loan! Now, the servicer will not have the information that we are seeking because Goldman Sachs is or was the investor. Goldman Sachs had their affiliate company, XXXX XXXX XXXX handle all of their servicing prior to selling XXXX to XXXX XXXX XXXX. Furthermore ; Goldman Sachs or the trustee, XXXX XXXX XXXX will have the information that we are seeking. Since XXXX XXXX XXXX will not provide us the information that we are seeking, we request that Goldman Sachs requests XXXX XXXX XXXX to provide the information below to Goldman Sachs and Goldman Sachs can forward the information/answers to the CFPB regarding our questions along with documentation as requested. NOTE : failure to provide the information that we seek will continue to have complaints filed against Goldman Sachs along with media attention! Would Goldman Sachs investor want media coverage due to the fraud that had occurred? Did Goldman Sachs ever sell ; transfer or reconveyance our loan to another investor after XXXX XXXX XXXX? NOTE : per XXXX XXXX XXXX, XXXX XXXX stated in XXXX, in writing that they were not the investor! If so, please provide documentation of dates, to whom Goldman Sachs sold, transferred or reconveyance our loan too?
Company Response:
State: NV
Zip: 89156
Submitted Via: Web
Date Sent: 2017-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-19
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: This company, Goldman Sachs Bank closed my account without any notice, no secure message, no phone call, no letter, literally nothing and not only did they close this account on me without notice, but it caused my main bank, XXXX to freeze my entire account again with ZERO notice of this happening. When I tried to resolve the issue I was told they had closed the account as of todayXX/XX/XXXX2017 but yet I still was given no reason why ... I do n't understand how banks can get away with this, its one thing to reject a customer but no they accepted my application I did nothing wrong ... I have only had at most {$1000.00} in the account at any time and what exactly did I do wrong? I demand an answer or I will consider legal action.
Company Response:
State: KS
Zip: 67205
Submitted Via: Web
Date Sent: 2017-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: To Whom it May Concern : I applied and was approved for a loan in the amount of {$8500.00} from XXXX by Goldman on XXXX XXXX , 2017. I made the first three payments in the amount of {$480.00} each on XXXX XXXX , XXXX XXXX and XXXX XXXX respectively. On XXXX XXXX , I logged into my XXXX by Goldman account to change my payment due date since I wasnt going to be able to make the XXXX XXXX payment on time due to the fact that I had paid for my mothers XXXX XXXX necessary to treat a XXXX XXXX XXXX XXXX called XXXX XXXX . I was allowed to do so on the XXXX by Goldman website which is an option that companies often have on their websites. After I changed the due date from XXXX XXXX to XXXX XXXX , I noticed that I now had two payments due every month instead of the contractually agreed upon one monthly payment. I called XXXX by Goldman and they stated that their system shouldnt have allowed me to move my payment back to XXXX XXXX even though there is an online option to do so, since XXXX XXXX was less than 15 days from my due date of XXXX XXXX . They admitted that it was a flaw in their system, so I asked them if they could manually fix the issue or even just erase the XXXX XXXX payment date and keep my original due date of XXXX XXXX . They stated that this was impossible and that I would have to make two payments in XXXX at which point they could move the next months payment back from its due date of XXXX XXXX to XXXX XXXX . I pointed out that I could not do this since I was already going to be late ( but not 30 days late ) with XXXX payment when there was only one, not two, payments to make. They responded that there was no other way to fix it. I was eventually able to make the XXXX XXXX payment on XXXX XXXX ( again, not 30 days late ). At this time my next due date should have been XXXX XXXX , instead they said that I now owed {$970.00} for the payment on XXXX XXXX ( which I should not have had to make ) and the {$480.00} contractually agreed upon XXXX XXXX payment. At that time I was able to pay XXXX XXXX payment, but now they said that I had to pay the entire {$970.00} which I could not due and which, again, was not part of the loan agreement. On XXXX XXXX , they sent me an email stating that I was 31 days past due and in default of the loan agreement which is in violation of our contract. It is also important to note that the online system removed my ability to any online payments as well. Its as if they didnt want me to pay so that they could put me into default. I was in fact only 16 days last and was not being allowed to just make the contractually agreed upon {$480.00} payment which I had tried to make several times since XXXX XXXX . This was very upsetting since I have never made a 30 day late payment in my 21 years of maintaining my credit report. At this point they began calling my phone numerous times a day. I answered the first five phone calls and explained the issue their system had created, but they were now stating that I owed {$1400.00} plus late fees by XXXX XXXX or I was 90 days past due ( that would actually be 48 days past due ) and had sent my account to their collections team who became very nasty, abusive and abrasive over the phone. They did not care, nor believe that this was XXXX by Goldmans fault. In summary, I find it hard to believe that I am the only XXXX by Goldman client who is having their credit ruined and being fraudulently having their account put into default by this issue. I also do not understand why they continue to allow this flaw in their online website to continue unless they are purposely doing so and trying to take advance of their customers in a fraudulent manner. Furthermore, I find it suspicious that I can no longer access my loan agreement online and that no documents were ever emailed to me when I obtained the loan. I am highly versed on this topic since I have a XXXX XXXX XXXX and XXXX XXXX XXXX XXXX as well as the Truth in Lending Acts ( TILA ) Regulation Z ( 12 CFR Part 226 ). Lastly, I have included the body of several emails as well as the original loan agreement from XXXX by Goldman which confirm my above statements. Thank You for Your Time and Consideration, XXXX XXXX XXXX . XXXX Dear XXXX , You have successfully changed the payment due date for your loan from XXXX by Goldman Sachs, account XXXX . Before your new due date takes effect, you still have a monthly payment due by your previous due date, XXXX XXXX , 2017. After XXXX XXXX , 2017, your payments will be due on the XXXX of each month, starting XXXX XXXX , 2017. Because you have enrolled in AutoPay, all payments will be automatically applied on your due date. This means that you don? t need to worry about remembering to schedule manual payments. However, please review the important information below so you? re familiar with the changes to your loan. Important Autopay Details : Goldman Sachs Bank USA will withdraw your monthly amount due ( currently {$480.00} ) less any applicable payments ( or credits ) on or after XXXX XXXX , 2017. After XXXX XXXX , 2017, this amount will be withdrawn on or after the XXXX of each month beginning on XXXX XXXX , 2017. These payments will be made from your bank account ending in XXXX . If your payment date is on the XXXX , XXXX , or XXXX , and a given month does not have that many days, your payment will be due on the last day of the month, and will be withdrawn on or after that date. We will send you a notification each month at least 10 days prior to the date of your next scheduled payment letting you know the amount we will withdraw from your deposit account and the date on or following which we will make the withdrawal. If you would like to cancel AutoPay, please call us toll-free at XXXX ( XXXX ) or write to us at : Attn : EFT Payments XXXX by Goldman Sachs XXXX XXXX XXXX XXXX XXXX XXXX , Utah XXXX THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Dear XXXX , As of XXXX XXXX , 2017, your loan from XXXX by Goldman Sachs ( number XXXX ) is 46 days past due and has an overdue balance of {$960.00}. Your loan is now in default under the terms of your loan agreement with Goldman Sachs Bank USA. Please pay the overdue balance promptly to cure this default. If you have n't done so already, please make a payment online at XXXX or by calling us toll-free at XXXX ( XXXX ). We want to help you get back on track with your loan. To make a payment by mail, send a check with your loan number in the memo to : XXXX by Goldman Sachs XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX Thank you, XXXX by Goldman Sachs
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2017-07-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-03
Issue: Getting the loan
Subissue:
Consumer Complaint: I am a victim of identity theft. I previously created a complaint against Goldman Sach 's bank. After communicating with XXXX XXXX at the Consumer Financial Protection Bureau again today over the phone I was told to create a new complaint. After I became aware that I was a victim of identity theft I notified the creditors that had opened accounts online fraudulently in my name. The only financial institution that has not removed the fraudulent accounts from my credit profile is XXXX by Goldman Sachs. After putting in writing through the CFPB portal that I want to only communicate in writing Goldman Sach 's did not honor my request and called me on my parent 's phone number. I was instructed to file a complaint with the FCC for the phone harassment which I have now done as well. Goldman Sach 's sent me a packet to fill out and requested that I mail it back to them. I will not be mailing it, however I will upload it to this portal so that their actions may be monitored by a federal consumer advocacy group since they have proven to be such predatory and unscrupulous bankers in their attempts to harass me about a loan I did not request, receive or benefit from in any way. I have attached the filled out packet to this portal. I previously provided Goldman with proof that I did not even reside at the address they have on the loan documents. The proof I provided was a signed executed lease agreement at my current residence.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-16
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My brother recently passed away without a will. In order to be named as administrator by the surrogate court, I am required to provide a current statement from the bank. XXXX I spoke to GS Bank, provided all paperwork requested, and the bank has completely stonewalled me. Although the paper is only a paragraph, they have stated they can not help me without their legal department reviewing this and they will not give me a date when this will be completed. XXXX It has now be en 4 weeks, I have called repeatedly, and I get the same response.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2017-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXXGoldman/sachs and XXXX are the same people. They make up this huge marketing campaign to tell everyone that if they are not dealing with the bank that everyone else in the foreclosure business is crooked. Yet, they are breaking the law and judges let them get away with it by falsifying to steal houses. I wonder how many judges have Goldman shares in their portfolios? I bet a lot of them! They must have XXXX as a separate entity because it would be illegal for Goldman to do this on their own as a bank. They KNOIW they are breaking the law, and they set up other companies just for that purpose and to cover their XXXX with FDIC, OCC, SEC, etc.!!!!!!!!!!!!!!!!!!! NOTICE OF ASSIGNMENT, SALE OR TRANSFER OF OWNERSHIP OF MORTGAGE LOAN ( 15 U.S.C. 1641 ( g ) ) You are receiving this notice because the ownership of your mortgage loan identified below has been sold, assigned, or transferred to XXXX XXXX XXXX ( " Covered Person '' ). You may contact the prior holder of your mortgage loan, or the servicer of your mortgage loan, if you want to confirm the sale/assignment/transfer of your mortgage loan to the new Covered Person. Information about your Mortgage Loan : Borrower Name ( s ) : XXXX XXXX XXXX Loan Number : XXXX Address of Mortgaged Property : XXXX XXXX XXXX XXXX, NY XXXX Please note the following information regarding the sale/assignment/transfer o ( our mortgage loan : 1.Name, address and telephone number of the new Covered Person : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX TX XXXX XXXX ( XXXX ) XXXX 2.Date of sale/assignment/transfer of your mortgage loan : XXXX XXXX, 2017 3.How to reach your Mortgage Loan Servicer, which is the party who has authority to act on behalf of the new Covered Person : XXXX XXXX XXXX does not service your loan XXXX The current servicer of your loan is XXXX XXXX XXXX. ( your " Mortgage Loan Servicer '' ). Your Mortgage Loan Servicer is responsible for the ongoing administration of your mortgage loan, including collecting mortgage payments, sending billing statements and escrow statements and answering any questions you may have about your mortgage loan. XXXX XXXX XXXX IS NOT THE SERVICER OF YOUR LOAN.ANY MORTGAGE PAYMENTS SHOULD CONTINUE TO BE SENT TO YOUR MORTGAGE SERVICER. SHOULD YOU HAVE ANY QUESTIONS REGARDING YOUR LOAN, PLEASE CONTACT THE SERVICER USING THE CONTACT INFORMATIONSET FORTH BELOW. The mailing address and phone number of the Mortgage Loan Servicer for your mortgage loan is : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( PST ) Monday-Thursday XXXX XXXX XXXX. The location of the place where transfer of ownership of the debt is or may be recorded is the office of public land records or the recorder of deeds office for the county or local jurisdiction where the property is located.5. Partial Payments : XXXX XXXX XXXX is your new lender and may have a different Partial Payment Policy than your previous lender? Under our policy, we may hold payments that are less than the amount due ( partial payments ) in a separate account until you pay the rest of the payment, and then apply the full payment to your loan. If this loan is sold, your new lender may have a different policy. 6.Additional information : The transfer of ownership of your loan does not affect any term or condition of your mortgage loan, other than terms directly related to the ownership of your loan. This notice does not change the address where you send your mortgage loan payments. Any payments should be sent to your Mortgage Loan Servicer, as noted above. This notice is not an attempt to collect, assess or recover a claim against you, or to obtain possession or control of any property. fake debt by investor!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Company Response:
State: NY
Zip: 141XX
Submitted Via: Web
Date Sent: 2017-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A