CFPB Consumer Complaint Profile
Goldman Sachs Bank USA
Consumers have filed 17,869 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 17,869
- Total complaints
- Among the highest
- 5,512
- Last 12 months
- 99.8%
- Timely response
- Top decile
- 57
- States affected
The verdict
17,869 CFPB complaints put Goldman Sachs Bank USA at #39 out of 3,843 financial companies ranked by complaint volume. Its on-time response rate is 99.8%, the 79th percentile among companies with 100+ complaints.
- #39
- of 3,843 companies by volume
- 99.8%
- on time (79th pctile)
- Credit card
- most-complained product
- 57
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Goldman Sachs Bank USA vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.8% Top 21% higher than 79% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 4,520 in 2024 to 5,408 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 3 |
| 2014 | 20 |
| 2015 | 31 |
| 2016 | 28 |
| 2017 | 65 |
| 2018 | 106 |
| 2019 | 212 |
| 2020 | 523 |
| 2021 | 879 |
| 2022 | 1,872 |
| 2023 | 2,954 |
| 2024 | 4,520 |
| 2025 | 5,408 |
| 2026year in progress | 1,248 |
Complaints by State (Top 15)
Company Responses
Goldman Sachs Bank USA Complaint Concentration Profile
Goldman Sachs Bank USA's complaint volume is large enough to measure concentration - not just the headline totals. Across 63 named product lines in the stored breakdown, the leading three (Credit card, Credit reporting or other personal consumer reports, Credit card or prepaid card) hold a 63.5% share of product-tagged complaints. The Herfindahl index on that product mix is 0.170 (1.0 = a single product owns every tagged complaint; lower = a broader book).
On the issue side, 15 named issues appear in the top list; the leading three (Problem with a purchase shown on your statement, Incorrect information on your report, Managing an account) cover a 51.5% share of those mentions. That multi-issue footprint is the profile thin-volume companies cannot show - their pages stop at a short bar list because the sample cannot support a concentration read.
Geography tells a similar story: the top three states (California, Florida, New York) hold a 36.2% share of state-tagged volume across 57 jurisdictions on file. A concentrated state trio can hint at regional servicing stress; a flatter map usually tracks a nationwide book.
Among coded company responses, "Closed with explanation" leads at a 70.3% share among the 17,869 response-tagged complaints (12,557 filings). Read that mix next to the timely-response and relief rates above - both describe process outcomes, not a finding of wrongdoing.
Peak filing year was 2025 (5,408 complaints); the lightest year on file was 2013 (3). From 2024 to 2025, annual volume rose 19.6% (4,520 → 5,408). Year-to-year swings at this volume usually track product launches, servicing changes, and consumer awareness more than a single-event spike.
What the CFPB Complaint Record Shows for Goldman Sachs Bank USA
The CFPB Consumer Complaint Database has logged 17,869 complaints against Goldman Sachs Bank USA overall, with 5,512 of those filed in the trailing 12 months. Reports have come from consumers in 57 states and territories, making this a nationwide complaint footprint. The single largest complaint category is "Credit card," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Problem with a purchase shown on your statement," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, Goldman Sachs Bank USA posts a 99.8% reply rate on forwarded complaints. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. The company's response carried a 25% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 29.6% rate.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Goldman Sachs Bank USA have?
The CFPB has logged 17,869 complaints against Goldman Sachs Bank USA to date, of which 5,512 came in over the last 12 months.
Does Goldman Sachs Bank USA respond to complaints on time?
CFPB complaints against Goldman Sachs Bank USA draw a 99.8% timely-response rate inside the expected window. This is considered excellent.
What product generates the most complaints for Goldman Sachs Bank USA?
"Credit card" draws more CFPB complaints against Goldman Sachs Bank USA than any other product - see the full breakdown above.
What is the most common complaint issue with Goldman Sachs Bank USA?
The most common issue reported by consumers about Goldman Sachs Bank USA is "Problem with a purchase shown on your statement." All complaint issues are listed above with their counts.
How do I file a complaint against Goldman Sachs Bank USA?
You can file a complaint against Goldman Sachs Bank USA directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Goldman Sachs Bank USA?
Consumers in 57 states and territories have filed complaints about Goldman Sachs Bank USA with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Goldman Sachs Bank USA: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar complaint volume
Nearest companies by total CFPB complaint count (17,869 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (25% here).
Also handles Credit card
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Goldman Sachs Bank USA have?
The CFPB has logged 17,869 complaints against Goldman Sachs Bank USA to date, of which 5,512 came in over the last 12 months.
Does Goldman Sachs Bank USA respond to complaints on time?
CFPB complaints against Goldman Sachs Bank USA draw a 99.8% timely-response rate inside the expected window. This is considered excellent.
What product generates the most complaints for Goldman Sachs Bank USA?
"Credit card" draws more CFPB complaints against Goldman Sachs Bank USA than any other product - see the full breakdown above.
What is the most common complaint issue with Goldman Sachs Bank USA?
The most common issue reported by consumers about Goldman Sachs Bank USA is "Problem with a purchase shown on your statement." All complaint issues are listed above with their counts.
How do I file a complaint against Goldman Sachs Bank USA?
You can file a complaint against Goldman Sachs Bank USA directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Goldman Sachs Bank USA?
Consumers in 57 states and territories have filed complaints about Goldman Sachs Bank USA with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.