Consumer complaint received 2024-07-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: GOLDMAN SACHS BANK USA (NY)

Description of Complaint : On XX/XX/XXXX XXXX XXXX request to cash a XXXX XXXX XXXX blank check in the amount of {$3600.00}. The event took place at XXXX, NY XXXX XXXX XXXXXXXX XXXX 
Blank check written amount : {$3600.00}. XXXX XXXX was told the the check would take XXXX days to process. 

Fraudulent Activity Same Day of Check Deposit : Mysteriously on XXXX first there was also a transfer for - {$3600.00} taken out of XXXX XXXX XXXX XXXX XXXX checking account. 
On XX/XX/year> XXXX XXXX XXXX, noticed the transaction labeled collections mysteriously while viewing his mobile app. 

The Merchant Name : Marcus by Goldman Sachs. 

Transfer Category Type : " Collections '' Corrective Actions by Marcus Online After Transfer, credit and account history damages to XXXX XXXX is done. Note corrections take place after denial of it being a fraudulent transfer. 

Rectify the Issue : an investigation should be held on any possible communication between XXXX XXXX XXXX, Marcus XXXX XXXXXXXX XXXX, and XXXX XXXXXXXX XXXX. Reason behind intentions behind the error involving transfer without consent of the consumer causing a failed check deposit. Then reopen XXXX XXXX XXXX account. The account was not closed on behave of the consumers actions or lack of. Therefore the account should be fairly reinstated. 

Note : XXXX XXXX has proof of previous instances where his checking account transactions are initiated without his consent, preventing him from attain his XXXX funds by discriminatory practices, Further investigative matters may prove to show details in an illegal sinister act caused by financial institutions collectively efforts towards XXXX XXXX personal accounts. Please call me for further info. 

Phone Conversation between XXXX XXXX XX/XX/year> ( XXXX PM ) Representative name : XXXX rep : ( rep asked authentication questions ) XXXX XXXX : What is my status of my account and the personal cashed check by XXXX XXXX XXXX. 

Rep : You account is now closed. 

XXXX XXXX : Why? 

Rep : Your check bounce and failed to deposit we called you XX/XX/year> XXXX XXXX : If the check bounce that was due to a fraudulent transfer from my XXXX XXXX checking account, and not on based on my actions. 
What is your department and when was the decision made to close my account? 

Rep 2 : Hold on while I transfer you to XXXX. 
XXXX XXXX : When was the decision made to close my account I just recently opened it. there have been a lack of fair relationship building towards me by the XXXX XXXX XXXX representatives.

Rep 2 : the decision to close your account was made yesterday. 

XXXX XXXX : How long does deposition a check process take? 

Rep : 2 days. 

XXXX XXXX : And what is the protocol when a check bounce do you contact the consumer? 

Rep : Yes I can call my boss to tell you the same thing I am telling you if you want? 

XXXX XXXX : Well that is redundant but I do want to talk with him. Can you have him call me back tomorrow? 

Rep 2 : He an call on Friday don't know what time End of Call.

Key Note On Customer and Bank Relationship : On day of opening the checking and savings account at XXXX XXXX  the whole process took less then 30 min. The process seem to fast. I walked in to talk to a teller, She persuaded me to wait as she picked a " pres chosen '' bank representative to work with me. She then pointed sit down at the desk, as she point. The first teller I spoke tag was not readable from my view. She did not give a formal introduction. There was since of being treated unfairly being a new customer with money to transfer to XXXX XXXX XXXX upon established accounts. 

On XX/XX/XXXX is when I walked in to cash the XXXX XXXX XXXX personal check. I talk with a couple of tellers explaining my experience with lack of control over my money and my current living situation was based on homelessness. One of the teller then said " You can go to the VA '' or I know someone can help, oh but, he is an XXXX vet. I can give him your number. I felt I was treated less favorably then many other consumers requesting to open a checking and savings account with membership. A check-in and check-out was immediately orchestrated with little communication towards policy, account protection, consumer account handling. I never felt treated fairly XXXX XXXX in this whole scenario and actions dictate the same. Below you will see, Account correction as proof of mishandling of my account. You will noticed reinstating funds and correcting the fraudulent transaction after receiving my call. A debit of {$3600.00} from Marcus XXXX XXXX XXXX XXXX ACH transfer currently pending as seen in my XXXX Mobile app. Key note the money was already pending upon my phone call to XXXX XXXX. One day after XXXX XXXX receive my Letter to Cease and Desist. See Attachment below.