Consumer complaint received 2024-04-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (MA)

Issue # 1 : As a highly competent developer with a wealth of experience in the realm of early detection and security, I was profoundly troubled to receive a distressing call today, XX/XX/XXXX, from a representative purportedly affiliated with " Marcus by Goldman Sachs ''. The call, originated ( XXXX ) XXXX and to my dismay, revealed a shocking breach in securitya breach that implicates not only the integrity of personal financial information but also calls into question the purportedly stringent measures upheld by a renowned institution. 
The caller, bearing the imprimatur of Marcus by Goldman Sachs, queried whether I had initiated an account with them on XX/XX/XXXX. Disconcertingly, my response was in the negative, as I had not undertaken any such endeavor. It was then that the disquieting truth unfurleda revelation that someone had clandestinely established an account under my name. While the representative hastily assured closure of said account, the damage had been wrought, leaving me to grapple with the ramifications thereof. 
In light of this egregious transgression, I am compelled to assert my incredulity at the situation 's genesis. How, pray tell, does a revered institution, hailed as " a leading global financial institution, '' allow such a flagrant oversight to persist unheeded for a harrowing span of 36 days? It is indeed confounding, especially when juxtaposed against the vaunted proclamations of delivering unparalleled financial services to a sprawling and diversified clientele encompassing corporations, financial institutions, governments, and individuals. 
Furthermore, the fact that Goldman Sachs deigned to contact me regarding this matter at XXXX XXXX EST is not lost on mea timestamp that serves as a stark reminder of the urgency and gravity of the situation at hand. 
Moreover, it is imperative to underscore the sensitive nature of the personal information compromised in this breach. My social security number, the sanctum of my financial identity, stands vulnerable to exploitation, with the potential for dire consequences looming large. 
Additionally, Goldman Sachs ' tainted track record in matters of fraud and malfeasance only serves to exacerbate my trepidation. Their involvement in significant fraud cases, such as the XXXX scandal, wherein an ex-Goldman banker was sentenced to 10 years in prison, is a XXXX indictment of their ethical stewardship. Moreover, the fallout from such malfeasance, including substantial financial penalties and shareholder losses amounting to billions, speaks volumes about their cavalier approach to risk management. One would think that they had learned from their past transgressions, yet here we are, embroiled in yet another debacle of their making. 
Moreover, despite the representative providing me with all the necessary steps to address the issue over the phone, he inexplicably refused to furnish the same information via email. This glaring refusal to provide written documentation of the steps required to rectify the situation only serves to deepen the shroud of suspicion surrounding Goldman Sachs ' handling of this matter. 
Furthermore, it is imperative to question why Goldman Sachs has not implemented more robust verification measures, such as phone and email address verification, or imposing a minimum deposit requirement upon opening an account. Additionally, one highly effective security method conspicuously absent from their protocol is the verification of a user 's identity via webcam, including the capture of both the front and back of the driver 's license. These seemingly rudimentary yet potent safeguards could serve as bulwarks against the insidious machinations of identity thieves and fraudsters, yet their absence is glaringly conspicuous. 
In summation, the confluence of these factorsblatant security lapses, a tainted history marred by fraud, a refusal to provide written documentation, and a dearth of robust verification measurespaints a damning portrait of Goldman Sachs ' stewardship. As such, I implore the relevant authorities to conduct a thorough investigation into this matter and hold Goldman Sachs accountable for their negligence. For if an institution of such stature is allowed to flout the basic tenets of financial integrity with impunity, then none are safe from the rapacious predations of those who seek to exploit our vulnerabilities for their own gain. 

Issue # 2 : Moreover, it has come to my attention that the distressing encounter I experienced with Marcus by Goldman Sachs may be part of a larger, more insidious schemea scheme that employs unethical tactics in what can only be described as 5th generation warfare. It appears that the distress call I received and subsequent attempts to coerce me into signing up for a digital ID scheme were not isolated incidents, but rather calculated maneuvers designed to manipulate and intimidate. 

In recent interactions online, I have shed light on these nefarious tactics, highlighting the duplicity and coercion inherent in such campaigns. My response, delivered with clarity and determination, underscores my refusal to be misled or underestimated. I stand firm in my opposition to any attempts at manipulation, particularly when they come at the expense of personal integrity and autonomy. 

Furthermore, I must express profound disappointment in Marcus by Goldman Sachs ' conduct throughout this ordeal. As a seasoned professional with expertise in digital marketing, honed at institutions like XXXX XXXX, I am acutely aware of the importance of reputation management. It is indeed perplexing why Marcus has chosen to act in such a foolish and unprofessional manner, jeopardizing not only their reputation but also the trust and confidence of their clientele. 

As the adage goes, it takes 20 years to build a reputation and five minutes to ruin it. Marcus ' actions, or lack thereof, in addressing these grave concerns raise serious questions about their commitment to professionalism and accountability. Despite their status as a reputable financial institution, their handling of this matter has been nothing short of disappointing. 

In conclusion, I reiterate my plea for the Consumer Financial Protection Bureau to conduct a thorough investigation into these troubling events. The integrity of our financial institutions and the protection of consumers ' rights are paramount. Should Marcus by Goldman Sachs fail to resolve this matter to my satisfaction, rest assured that I will not hesitate to pursue all available avenues to seek redress. The full force of accountability will be brought to bear, as is my right and duty as a responsible consumer and advocate for justice.