Consumer complaint received 2017-07-25
Company: GOLDMAN SACHS BANK USA
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

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 to consumer: Closed with explanation