Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
his complaint is not the same incident as Complaint No. XXXX. This submission is a continuation of events that occurred immediately afterward involving my Marcus by Goldman Sachs XXXX account. 

On XX/XX/XXXX, my XXXX account balance was {$1000.00}. I documented and retained evidence of all transactions, emails, and account activity through photographs and records. 

On XX/XX/XXXX, I initiated a transfer of {$500.00} from my XXXX account. Although the transaction was initiated on XX/XX/XXXX, the bank did not process it until XX/XX/XXXX, at which point the transaction was declined. 

Despite notifying me by email that the {$500.00} transfer was declined, Marcus by Goldman Sachs failed to repost the {$500.00} back into my available balance. Instead, my account balance incorrectly reflected {$530.00}, calculated as if the {$500.00} had already been removed from the original {$1000.00} balance : {$1000.00} {$500.00} = {$530.00} Because the bank delayed and then declined the first transaction on XX/XX/XXXX, my bill payments were put at risk. To mitigate further harm, I immediately transferred the remaining {$530.00} on XX/XX/XXXX. 

After initiating the second transfer, my account showed {$0.00} available, even though the previously declined {$500.00} had never been reposted. At that point, {$500.00} was missing from my account records. 

Immediately after submitting the second transfer, I was locked out of my XXXX account without explanation. Before the restriction was applied, I was able to see that the funds were unavailable. Subsequently, XXXX contacted me again to verify the second transaction. 

On XX/XX/XXXX, XXXX called to verify the {$530.00} transfer. The transaction was confirmed and approved. However, on the customer-facing portal, the transfer did not reflect properly on that date. 

After access was restored, I observed XXXX separate {$530.00} transactions posted on different days ( XX/XX/XXXX and XX/XX/XXXX ). These postings appeared to be duplicative and inconsistent with the actual transaction history. XXXX of the {$530.00} transactions was later treated as an error. 

Critically, throughout this process, the original {$500.00} that was declined on XX/XX/XXXX was never reposted to my account. Instead of correcting the missing funds, XXXX documented XXXX {$530.00} transactions while entirely omitting the missing {$500.00} from the account ledger. 

As a result, Marcus by Goldman Sachs XXXX reflect activity that would result in me receiving only {$530.00} instead of the full {$1000.00}, despite the first {$500.00} transaction having been formally declined and never credited back. 

I am requesting a full regulatory review of : the entire XXXX from XX/XX/XXXX to XX/XX/XXXX The delayed processing and improper handling of declined transfers The failure to repost declined funds The account lockout following legitimate transactions The inaccurate and misleading transaction postings The disappearance of {$500.00} in customer funds I have retained all supporting documentation and am prepared to provide it upon request. 

they did all of this distraction to hide XXXX from a war vet trained to spot errors

Company response to consumer: Closed with explanation