Credit card or prepaid card -- Advertising and marketing, including promotional offers -- Complaint #4551816
Complaint Overview
Complaint ID: 4551816
Company: Goldman Sachs Bank USA
Product: Credit card or prepaid card
Sub-Product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-Issue: Didn't receive advertised or promotional terms
State: Pennsylvania
ZIP Code: 190XX
Date Received: 2021-07-17T12:00:00-05:00
Date Sent to Company: 2021-08-03T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
Purchased a computer from XXXX ( web store ) based on an advertised interest rate of 0 % if paid in full within one year. Financing by Goldman Sachs Bank, USA ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX ). Purchase made on XX/XX/XXXX, in the amount of {$2500.00}. Payments totaling {$2500.00} made between XX/XX/XXXX and XX/XX/XXXX. Despite this, Goldman Sachs Bank charged interest on the account balance every month, starting in XX/XX/XXXX. To date, they have changed {$98.00}, including interest after payment in full for the purchase was completed on XX/XX/XXXX. I have called them four times, most recently on XX/XX/XXXX ( XXXX ), and written them five times. No response to my letters, except to acknowledge receipt of two of them, together with promises during each phone call that a " Supervisor '' would call within 48 hours to resolve the issue. No call ever received, nor any explanation provided. Most recently, I received a letter dated XX/XX/XXXX stating that they charge interest because I have an outstanding balance of prior interest. This is not the terms made at the time of purchase, which they have never addressed. Currently they have posted three negative reports with the credit bureaus against me.
Frequently Asked Questions
What is Complaint #4551816 about?
Complaint #4551816 was filed against Goldman Sachs Bank USA regarding Credit card or prepaid card specifically about Advertising and marketing, including promotional offers. It was received by the CFPB on 2021-07-17T12:00:00-05:00.
How did Goldman Sachs Bank USA respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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 or prepaid 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.