Consumer complaint received 2022-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
My name is XXXX XXXX and I am filing this complaint on my own accord. There is no third party involved. I recognize that I am a natural person and federally protected consumer. The following is a recount of communication regarding fraudulent alleged debt, being collected by GOLDMAN SACHS BANK- as written in my post recently delivered Affidavit of NonResponse, delivered XX/XX/2022. Every statement below was sworn, notarized and delivered to Goldman Sachs BANK via XXXXXXXX XXXX XXXX  XXXX. The Affidavit was sworn and notarized on XXXX, XXXX 

On XX/XX/2022, I certified mailed a Validation of Debt and Identity Theft Report, attached as Exhibit A, and Cease and Desist letter, attached as Exhibit B, XXXX XXXX XXXX XXXX  # XXXX to GOLDMAN SACHS BANK XXXX who received these letters on XX/XX/2022 as evidenced by Exhibit C. 

On XX/XX/2022 GOLDMAN SACHS BANK, made an attempted call to my personal cell phone, violating my demands for Cease & Desist. See exhibit D. 

On XX/XX/2022 GOLDMAN SACHS BANK, made an attempted call & left a voicemail message on my personal cell phone, violating my demands for Cease & Desist. See exhibit XXXX. 

Respondent had failed to reply NOR comply to the Cease & Desist and Validation of Debt letters within the stated time period for response of 10 days, so I submitted a CFPB complaint ( XXXX ), on XX/XX/2022 attached hereto as Exhibit F. 

On XX/XX/2022 GOLDMAN SACHS BANK, made an attempted call & left a voicemail message on my personal cell phone, violating my demands for Cease & Desist. See exhibit G. 

On XX/XX/2022 GOLDMAN SACHS BANK, made an attempted call & left a voicemail message on my personal cell phone, violating my demands for Cease & Desist. See exhibit H. 

On XX/XX/2022, I compiled an Affidavit of Truth, attached hereto as Exhibit I, and certified mailed to GOLDMAN SACHS BANK ( certified tracking number : # XXXX ). 

On XX/XX/2022 GOLDMAN SACHXXXX BANK received the sworn, witnessed and notarized Affidavit of Truth delivered via certified mail ( certified tracking number : # XXXX ) attached hereto as Exhibit J. 

Respondent had persisted in failing to reply NOR comply to the Cease & Desist and Validation of Debt letters within the stated time period for response of 10 days, delivered on XX/XX/XXXX. so I submitted a CFPB complaint ( XXXX ), on XX/XX/2022 attached hereto as Exhibit K. 

The CFPB notified me on XX/XX/2022 that GOLDMAN SACHS BANK had responded to CFPB complaint ( number XXXX ) and the case was closed with explanation. See exhibit L. 

On XX/XX/2022 GOLDMAN SACHS BANK, made an attempted call to my personal cell phone, violating my demands for Cease & Desist. See exhibit M. 

On XX/XX/2022 I received a packet including a titled Validation Letter including previous account statements sent without my request from GOLDMAN SACHS BANK : dated XX/XX/2022, attached hereto as Exhibits XXXX This packet failed to provide the information demanded in the validation of debt. 

On XX/XX/2022 GOLDMAN SACHS BANK, made an attempted call to my personal cell phone, violating my demands for Cease & Desist. See exhibit O. 

On XX/XX/2022, Respondent had failed to reply NOR rebut to the Sworn and Notarized Affidavit of Truth within the stated time period for response of 10 days, delivered on XX/XX/2022, so I submitted a CFPB complaint ( XXXX ), on XX/XX/2022 attached hereto as Exhibit P. 

On XX/XX/2022 I Certified Mailed an Affidavit of Non-Compliance with attached exhibits certified tracking number : # XXXX to GOLDMAN SACHS BANK XXXX including a statement of 18 facts for how Respondent has failed to comply with my written demands, and continues to violate my rights as a consumer. See Exhibit Q. GOLDMAN SACHS BANKS received these letters on XX/XX/2022 as evidenced by Exhibit R. 

On XX/XX/2022 I certified Mailed a Notice of Fault & Opportunity to Cure letter certified tracking number : # XXXX to GOLDMAN SACHS BANK XXXX This letter includes 8 statements of fact to the fault of GOLDMAN SACHS BANK for failing to comply to my written demands in delivered Validation of Debt Letter ( Exhibit A ), nor responding or rebutting received Sworn and Notarized Affidavit of Truth ( Exhibit J ). This Notice was received on XX/XX/2022. See Exhibit S. 

The CFPB notified me on XX/XX/2022 that GOLDMAN SACHS BANK had responded to CFPB complaint ( number XXXX ) stating The Bank conducted an investigation and confirmed no error occurred. The case was closed with explanation. See exhibit P. 

On XX/XX/2022 GOLDMAN SACHS BANK, made an attempted call to my personal cell phone, violating my demands for Cease & Desist. See exhibit T. 

To date, XX/XX/2022, the account ending in XXXX is still being disputed and still continues to negatively report on my personal credit report. See exhibit U for XXXX credit report updated on XXXX XXXX 

To date, XX/XX/2022, GOLDMAN SACHS BANK has continually been unlawful and have continually failed to comply as GOLDMAN SACHS BANK has failed to provide the documents that were originally demanded in the validation of debt letter to including : identifying the original creditor, verification of the claim against me ( a sworn affidavit or hand signed invoice ), copies of the contract or any documents signed by both parties in wet ink that prove I agreed to pay the alleged debt, and validation of the alleged debt ( the actual accounting ). 

To date, XX/XX/2022, GOLDMAN SACHS BANK has continually been unlawful and have continually failed comply with demands stated in the original cease and desist and validation of debt letter to include : zeroing out the balance of the account ending in XXXX, leaving the account open and in good standing, deleting the accounts reporting from all consumer reports, and ceasing all forms of communication.

Company response to consumer: Closed with explanation