Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
XXXX XXXX XXXX, MD XXXX Account # XXXX Notice to an agent is notice to the principal. 


Dear XXXX XXXXXXXX XXXX XXXXXXXX Department , I am writing to formally address your response to my initial complaint and to clarify the nature of my request. It appears there has been a fundamental misunderstanding of the specific relief sought. To avoid any further confusion, I am providing a clear restatement of my demands and the legal obligations at issue.

Your response falsely characterized my request as a " Validation of Debt. '' This is incorrect. Nowhere in my correspondence did I make a request for validation of debt. If your review of my attached letter in the CFPB complaint had been thorough, this mischaracterization would have been avoided. I expect all future responses to address the actual substance of my request.

The heart of my request concerns your compliance with the statutory obligation outlined in 15 U.S.C. 1637 ( b ). Specifically, I requested documented proof that periodic statements containing the required disclosures were mailed or delivered to me at least 21 days before each payment due date. I did not ask for " delivery of statements '' in the generic sense. Rather, I am demanding proof of compliance with the statutory requirement that these statements be sent in accordance with the timeline mandated by law. Your failure to provide this proof is a material violation of your statutory obligations.

Your reliance on my potential opt-in for electronic communications is misplaced. Participation in electronic delivery does not, in any way, waive my right to receive the disclosures required by 15 U.S.C. 1637 ( b ) through USPS or another medium that ensures compliance with the 21-day rule. If you believe otherwise, I request that you provide the specific statutory provision or contractual language that explicitly overrides this right. Absent such a provision, your assumption is legally unsupportable.

I hereby demand that you provide specific, tangible proof of your compliance with 15 U.S.C. 1637 ( b ) for all relevant billing cycles. This proof must demonstrate the date and method of delivery for each periodic statement. Generalized statements, unsupported assertions, or copies of billing statements do not satisfy this request. I expect to see clear documentation of the date, method, and medium by which the required disclosures were sent to me. This includes, but is not limited to, tracking information, mailing logs, or certified records of electronic transmission.

Summary of My Demand : Proof of delivery for statements in compliance with 15 U.S.C. 1637 ( b ).

Documented evidence of the date and method of transmission for each statement.

A direct response that addresses the actual issues raised in this letter, rather than generalized boilerplate responses.

Failure to provide the required proof within a reasonable time will result in further escalation, which may include additional complaints to the Consumer Financial Protection Bureau ( CFPB ), regulatory oversight agencies, and any other relevant consumer protection bodies. Please ensure that your response directly addresses each of the specific demands and factual inaccuracies outlined in this letter. 

I look forward to your timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation