Consumer complaint received 2022-12-26
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I, XXXX XXXX, am the natural person and consumer to whom this account belongs. Pursuant 12 CFR 1026.13 ( b ) and 15 USC 1666 ( a ), the full amount of {$2800.00} appearing as the total amount Im allegedly obligated to satisfy is a billing error because it fails to evidence any indebtedness on my behalf. 
An account is a written list of transactions noting money owed and money paid. My transactional account was created for me on my behalf when Marcus by Goldman Sachs accepted and deposited my application/promissory note/commercial paper dollar for dollar. These statements of account I receive monthly from Marcus by Goldman Sachs are deceptive forms pursuant 12 CFR 1006.18 ( a ) ( d ) and 15 USC 1692j ( a ). According to Federal Reserve Board Regulations, Regulation D, this statement reflects a due bill which is a deposit pursuant 12 CFR 204.2 ( a ) ( 1 ) ( iv ). When Marcus by Goldman Sachs uses its custodial account to debit security from my transactional account and fails to deliver the security to me within three days, a deposit in the amount debited from my transactional account is deposited in a Marcus by Goldman Sachs transactional account. That explains how a credit balance in excess of {$1.00} is created. That credit balance must be remitted back to me. The top portion of the remittance is a bond reflecting money owed and the bottom portion is a check reflecting money paid. Marcus by Goldman Sachs is a remittance transfer provider without safe harbor pursuant 12 CFR 1005.30 ( f ) ( 2 ) ( ii ) and is obligated to process my remittance as a depository transfer check. The positive amount on the remittance statements Marcus by Goldman Sachs send me reflect a credit balances in excess of {$1.00}. This is the amount owed to me and thats why its positive. 
I was never provided me with proper instruction on where to write my personal bank routing and checking account numbers on my remittance so I can mail it to the lock box address authorizing a one time electronic funds transfer to verify my checking account is active before a depository transfer check is deposited and a receipt, giving Marcus by Goldman Sachs credit for remitting my payment, is immediately wire transferred to a Marcus by Goldman Sachs concentration account which is a XXXX balance account. It even says on the back of it that you will not get the check back. Normally the person who writes a check gets the check back as a receipt. Since Marcus by Goldman Sachs wrote this check, which is the bottom portion of this remittance, Marcus by Goldman Sachs gets the check back as a receipt. The receipt is the credit Marcus by Goldman Sachs receives as proof of payment remitted to me. The check is the coupon portion of this remittance statement which is my credit balance in excess of {$1.00} that Marcus by Goldman Sachs must deposit into my account via electronic funds transfer. 
This is an opened ended consumer credit account pursuant 15 USC 1602 ( j ). Why is Marcus by Goldman Sachs telling me i owe them a payment? This entire billing statement appears to be a form of inducement fraud. I have been misled by the facts. Why have I never received the clear and conspicuous disclosures required pursuant 15 USC 1637 on how to properly fill in this remittance? This coupon addressed to me is a credit pursuant 12 CFR 1002.2 ( k ) and 15 USC 1602 ( l ). Pursuant 12 CFR 1026.13 ( a ) ( 4 ) and 15 USC 1666 ( b ) ( 4 ) this periodic statement reflects Marcus by Goldman Sachs failure to credit properly a payment or other credit issued to my account. Pursuant 12 CFR 1026.13 ( 6 ) and 15 USC 1666 ( b ) ( 2 ), provided me with documentary evidence proving this remittance coupon is not a credit. Pursuant 15 USC 44 documentary evidence includes all documents, papers, correspondence, books of account ( receivable and payable ), and financial and corporate records. 
Any amount allegedly due from a consumer to you that reflects a positive amount on the face of any remittance is a credit balance owed to the consumer. When that credit balance is in excess of {$1.00}, as securities transfer agents, you are obligated by law to deliver that dividend by any reasonable means necessary. I have not abandoned my credit balances. Please include in your conclusion of the billing error resolution process a statement of all debits and credits to my transactional account and remit any amount in excess of {$1.00} to my checking account. 
You now have my permission to remit payment to me by direct deposit, via electronic funds transfer, all credit balances in excess of {$1.00} to my personal checking account monthly. Neglecting to apply the full credit balance of my remittance as a credit to my personal bank account is securities fraud pursuant 18 USC 1438, negligent noncompliance pursuant 12 CFR 229.21 ( a ) and 15 USC 1681o, and considered unauthorized use of credit pursuant 12 CFR 1026.12 ( b ) ( 1 ) ( i ) and 15 USC 1602 ( p ). 
To ensure proper treatment of credit balances you may immediately credit my bank account any amount reflected on the face of each monthly statement in excess of {$1.00} pursuant 12 CFR 1026.11 and 15 USC 1666d. I am fully aware of the rules pending resolution pursuant 12 CFR 1026.13 ( d ) and 15 USC 1666 ( d ) where it states you may not restrict or close my account nor can you collect on any amount or part thereof pending resolution pursuant 12 CFR 1026.13 ( d ) ( 1 ) and 15 USC 1666 ( c ) ( 1 ).

Company response to consumer: Closed with non-monetary relief