Credit card -- Closing your account -- Complaint #10686097
Complaint Overview
Complaint ID: 10686097
Company: Goldman Sachs Bank USA
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Closing your account
Sub-Issue: Company closed your account
State: New York
ZIP Code: XXXXX
Date Received: 2024-11-04T12:00:00-05:00
Date Sent to Company: 2024-11-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Request for 1099-C Form Account Charged Off To Whom It May Concern, I am writing regarding an account that appears on my credit report under your companys name and is marked as a charge off. This indicates that you reported this balance to the IRS as income due to cancellation of debt. Pursuant to this status, I am formally requesting a copy of IRS Form 1099-C ( Cancellation of Debt ) for my records. On my credit report, it is indicated that this account has been charged off, suggesting that the debt has been canceled and reported as such to the IRS. If this is correct, a Form 1099-C should have been filed and provided to both me and the IRS as required by law. Please provide me with a copy of this 1099-C form, as this is necessary for my tax records. If you do not provide this form or can not substantiate that this account was properly reported to the IRS, I will consider taking legal action for statutory damages and potential fraud. Failure to provide accurate documentation may be a violation of both federal tax law and credit reporting standards. Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation within 15 days.
Frequently Asked Questions
What is Complaint #10686097 about?
Complaint #10686097 was filed against Goldman Sachs Bank USA regarding Credit card specifically about Closing your account. It was received by the CFPB on 2024-11-04T12:00:00-05:00.
How did Goldman Sachs Bank USA respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Goldman Sachs Bank USA?
Yes, visit the Goldman Sachs Bank USA company profile at readthecomplaint.com/company/goldman-sachs-bank-usa to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.