Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Details of the Incident Timeline of Events XX/XX/XXXX to XX/XX/XXXX : Received XXXX unsolicited automated calls from Goldman Sachs Bank USA ( XXXX ) regarding a disputed debt on a closed GM Rewards Card account. Of these, XXXX calls resulted in prerecorded voicemails, believed to be illegal robocalls. 
Throughout Period : Sent formal disputes to Goldman Sachs requesting debt validation, which they failed to provide. Despite this, calls persisted, often multiple times per day. 
XX/XX/XXXX : A transaction labeled " CREDIT CARD CANCELLED DEBT '' confirmed a {$0.00} balance, yet Goldman Sachs continued to report inaccurate information to credit bureaus, harming my credit standing. 
Supporting Evidence Call Logs : Documented XXXX calls, with specific dates for initial contacts and voicemails available in attached records ( see Attachment XXXX : Call Log and Timeline, if portal allows uploads ). 
Voicemail Analysis : Independent analysis dated XX/XX/XXXX, confirms over XXXX calls, with XXXX prerecorded voicemails identified as TCPA violations ( illegal robocalls without consent ), FDCPA violations ( lack of required disclosures ), and harassment due to excessive frequency ( see Attachment XXXX : Voicemail Evidence Analysis, if uploadable ). 
Additional Records : I am obtaining detailed call records from my phone provider XXXX XXXX XXXX XXXX ) for the remaining estimated XXXX calls in XXXX XXXX to finalize exact dates and times. 
Legal Violations by Goldman Sachs Bank USA Goldman Sachs ' actions violate multiple federal consumer protection laws under CFPB jurisdiction, as outlined below : XXXX. XXXXelephone Consumer Protection Act ( TCPA ), 47 U.S.C. 227 Violation : Used automated dialing systems and prerecorded messages to contact my cellphone without prior express consent. Each of the XXXX documented voicemails constitutes a separate violation, with additional calls likely qualifying. 
Impact : Invasion of privacy and harassment through unsolicited robocalls. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 Violation ( 15 U.S.C. 1692d ) : Harassment through excessive call frequency ( 35 calls in 2.5 months ), causing emotional distress.

Violation ( 15 U.S.C. 1692e ) : False or misleading representations by failing to validate the disputed debt upon request.

Violation ( 15 U.S.C. 1692g ) : Failure to provide required validation notices or disclosures ( e.g., " mini-Miranda '' warning ) in communications and voicemails. 
Impact : Unfair and abusive collection practices, as supported by CFPB examination procedures ( XX/XX/XXXX ) requiring avoidance of harassment and proper validation processes ( referenced from CFPB Debt Collection Procedures, XX/XX/XXXX ). 
XXXX. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Violation ( 15 U.S.C. 1681s-2 ) : Reporting inaccurate information to credit bureaus about the disputed debt, despite evidence of account closure and a {$0.00} balance as of XX/XX/XXXX. 
Impact : Damage to my credit standing, affecting financial opportunities and causing additional stress. 
Harm Caused by Goldman Sachs ' Actions Emotional Distress : The relentless calls and voicemails ( XXXX total, often multiple daily ) caused significant anxiety, fear, and disruption to my personal and professional life. 
Financial Harm : Inaccurate credit reporting by Goldman Sachs has potentially harmed my credit score, limiting access to loans, housing, or other financial products.

Time and Effort : I have spent considerable time documenting calls, disputing the debt, filing complaints with multiple agencies, and seeking legal guidance to address these violations.

Requested Remedies and Actions I respectfully request that the CFPB take the following actions : Investigate Goldman Sachs Bank USA : Conduct a thorough review of their debt collection practices, use of automated dialing systems, and credit reporting accuracy related to my GM Rewards Card account.

Enforce Compliance : Require Goldman Sachs to cease all unlawful contact, provide debt validation, and correct inaccurate credit reporting with all bureaus ( XXXX XXXX XXXX ). 
Secure Compensation : Pursue statutory damages for violations, including : TCPA Damages : {$500.00} per violation for XXXX prerecorded voicemails ( {$6000.00} total ), with potential trebling to {$1500.00} per violation ( {$18000.00} ) if willful misconduct is found. 
FDCPA Damages : Up to {$1000.00} in statutory damages for harassment and failure to validate the debt. 
FCRA Damages : Compensation for actual damages ( to be quantified based on credit harm ) and punitive damages for willful noncompliance. 
Impose Penalties : Levy fines or other penalties on Goldman Sachs to deter future violations of consumer protection laws. 
Provide Oversight : Ensure Goldman Sachs adheres to CFPB guidelines, such as those outlined in the Debt Collection Examination Procedures ( XX/XX/XXXX ), to protect other consumers from similar harm. 
Additional Information Related Complaints : I have filed parallel complaints with the FCC ( for TCPA violations ), FTC ( for deceptive practices ), FDIC ( as a banking regulator ), and Texas Attorney General 's Consumer Protection Division ( for state law violations ). I can provide complaint reference numbers upon request.

Attachments ( if portal allows uploads ) : Call Log and Timeline ( details of XXXX calls and XXXX voicemails ). 
XXXXicemail Evidence Analysis ( XX/XX/XXXX, confirming legal violations ). 
Transaction Record ( showing " CREDIT CARD CANCELLED DEBT '' with {$0.00} balance on XX/XX/XXXX ). 
Note on Evidence : If the CFPB portal does not support file uploads, I am prepared to submit additional documentation via mail, email, or as requested during the investigation. 
Closing Statement Goldman Sachs Bank USA 's persistent harassment through XXXX automated calls, failure to validate a disputed debt, and inaccurate credit reporting have caused me significant harm and violated my rights under federal consumer protection laws. I trust that the CFPB will investigate these serious issues, hold Goldman Sachs accountable, and secure appropriate remedies on my behalf. I am available to provide further information, evidence, or testimony to support this complaint. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief