GOLDMAN SACHS BANK USA
BANK
HIGHER RATE THAN 96% OF SCORED PEERS
Data last verified: April 2026 snapshot|19 federal data sources|Methodology ›
Known as:Apple Card·Marcus High-Yield Savings
Complaint rate · per 1,000 customersscale 0–10
05100.30PER 1,000 CUSTOMERS
Sector median 0.48 · Lowest in dataset 0.07
A higher federal complaint rate per customer than 96% of scored peers in the 45-bank dataset.
Methodological confidence: MEDIUM · n=13,329 complaints over 14 years
Customer ratio
1 in 3,288
customers filed a federal complaint
Resolved with relief
28%
received monetary or non-monetary relief
Daily volume
2.8
complaints per day · 2011–2025 average
0.6× the sector median; higher rate than 96.13% of 45 scored institutions.
24-month trajectory · monthly complaint rate
SECTOR MEDIAN24MO AGOTODAY0.0100.00
Where complaints concentrate · top 3 product categories
Credit cards
0.19/1k
8,197
Money transfers
0.07/1k
3,029
Checking & savings
0.07/1k
2,945
TOTAL COMPLAINTS
13,329
2011–2025
YEAR-ON-YEAR
↑ 20%
above baseline · 0.1512
RESOLUTION RATE
28%
above CFPB median
SHADOW RATE
~6/1k
directional
FEDERAL CONSENSUS
1 / 6
agencies on record
5 nearest rates in scored dataset
FIRST NATIONAL BANK OF PENNSYLVANIA
0.22/1k
BANCO POPULAR DE PUERTO RICO
0.28/1k
MECHANICS BANK
0.29/1k
▸ GOLDMAN SACHS BANK USA
0.30/1k
COMMERCE BANK
0.34/1k
Complaint Coach
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Federal data sources
CFPB↗OCC↗FDIC↗FTC↗Independent analysis · not affiliated with any government agency
WHAT THIS MEANS FOR YOU

GOLDMAN SACHS BANK USA is a low-risk institution based on federal complaint data.

At 0.30 complaints per 1,000 customers, this institution is below our low-risk threshold of 0.50 — placing it among the better performers in our dataset of 2,333 scored US financial institutions. Complaint rates are normalised for institution size, so this score is directly comparable across banks large and small.

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Always review your specific product category and the complaint breakdown below, as overall rates can mask issues in specific areas like credit cards or mortgages.

Most common words in federal complaints about GOLDMAN SACHS BANK USA
paymentslatereportingpaidpayreportdebtneveragainbecause
Extracted from 204 consumer complaint narratives · CFPB database
Complaint Profile
Rate / 1,000 customersⓘCFPB complaints per 1,000 estimated customers. Normalised for institution size — directly comparable across all banks. National median ≈ 0.30.0.30/1k
Total complaints (2011–2025)ⓘTotal complaints filed with the CFPB since 2011. Use the rate above for a fair cross-institution comparison.13,329
Year-on-year changeⓘChange in complaint volume versus the prior 12 months. A rising rate is a warning sign even if the absolute level appears manageable.+20%worsening
Timely response rateⓘ% of CFPB complaints answered within the required timeframe. Below 90% indicates the institution is failing basic regulatory obligations.99.8%
Complaint rate normalised per 1,000 estimated customers. Lower is better. National median ≈ 0.30/1k for well-rated institutions.
Regulatory Enforcement Record
OCC (Office of the Comptroller)
Federal ReserveCease and Desist Order, Civil Money Penalty, Civil Money Penalty, $14,000,000, Civil Money Penalty, $36,300,000, Civil Money Penalty, $90,000
CFPB (Consumer Financial)
FinCEN (Anti-money laundering)
FTC (Federal Trade Commission)
HUD (Mortgage Review Board)
GSE Suspension
● Red dot = active or recent enforcement action by that federal agency. This means regulators found systemic problems serious enough to take formal action.
Financial Health Indicators
Net charge-off rateⓘLoans written off as unrecoverable as a % of total loans. Above 2% is elevated; above 1% warrants monitoring. Source: FDIC Call Report Q4 2025.0.66%✓ healthy
Tier 1 capital ratioⓘCore capital as a % of risk-weighted assets. Regulatory minimum ≈10%. Higher means a stronger buffer against losses and financial stress.15.6%✓ adequate buffer
Loan loss reserve ratioⓘFunds set aside to cover anticipated loan losses. Higher reserves suggest the institution expects deteriorating credit quality ahead.0.64%
FDIC Call Report data · Q4 2025. NCO rate = loans written off as unrecoverable. Tier 1 = core capital buffer against losses (regulatory minimum ≈ 10%).
TARP government bailout$10.0B
DFAST stress test (Fed)6.0% CET1 stressed
HMDA Mortgage Fair Lending· 2023
Mortgage denial rateⓘOverall mortgage application denial rate. Includes home purchase, refinance, and home improvement loans. Source: FFIEC HMDA data.8.3%
Denial rate — White applicants8.3%
Denial rate — Black applicants8.3%
Denial rate — Hispanic applicants8.3%
Racial disparity indexⓘBlack applicant denial rate divided by White applicant denial rate. 1.0 = equal treatment. Above 1.5 = significant disparity flagged in fair lending research. Source: FFIEC HMDA.1.00×✓ near parity
Based on 468 mortgage applications· FFIEC HMDA 2023
Top Complaint Categories
Problem with a purchase shown on your statement2080%
Incorrect information on your report1480%
Managing an account1080%
Breakdown of complaint types filed with the CFPB by customers of this institution. Use this to understand which products or services generate the most problems.
Timely response rate99.8%✓ good
% of CFPB complaints answered within the required timeframe. Below 90% is a warning sign.
Risk Flags
⚑Received TARP government bailout: $10.0B
⚑Subject to annual DFAST stress testing by the Federal Reserve (applies to largest US banks)
Data Sources Used (23 Layers)
●CFPB Complaints
●OCC Enforcement
●Fed Enforcement
●CFPB Enforcement
●FinCEN / AML
●FDIC Failures
●HMDA Denial Rates
●CRA Rating
●TARP Bailout
●Call Report (NCO/T1)
●DFAST Stress Test
●FTC Enforcement
●HUD MRB
●GSE Suspension
Green = data available for this institution. Grey = source exists but no data for this institution in that category.
FULL DATA BREAKDOWN
COMPLAINT RATEⓘCFPB complaints per 1,000 estimated customers. Normalised for institution size — directly comparable across all banks. National median ≈ 0.30.
0.30/1k
National median ≈ 0.30/1k
Source: CFPB →
ⓘMedium confidence
TOTAL COMPLAINTS
13,329
2011–2025 · CFPB database
Source: CFPB →
TIMELY RESPONSE RATE
99.8%
Threshold: 90%+
Source: CFPB →
YEAR-ON-YEAR TRENDⓘChange in complaint volume versus the prior 12 months. A rising rate is a warning sign even if the absolute level appears manageable.
↑ 20%
Worsening trend
NET CHARGE-OFF RATEⓘLoans written off as unrecoverable as a % of total loans. Above 2% is elevated; above 1% warrants monitoring. Source: FDIC Call Report Q4 2025.
0.66%
Loan losses written off
Source: FDIC Call Report →
TIER 1 CAPITAL RATIOⓘCore capital as a % of risk-weighted assets. Regulatory minimum ≈10%. Higher = stronger buffer against financial stress.
15.6%
Regulatory min ≈ 10%
Source: FDIC Call Report →
HMDA DENIAL RATEⓘ% of mortgage applications denied under Home Mortgage Disclosure Act data. High denial rates may indicate overly restrictive lending practices.
8.3%
Mortgage applications denied
Source: FFIEC HMDA →
RACIAL DISPARITY INDEXⓘRatio of denial rates for non-white vs white applicants. 1.0 = equal treatment; above 1.5 indicates significant disparity. Source: CFPB HMDA data.
1.00×
Non-white vs white denial ratio
Source: FFIEC HMDA →
CRA RATING
Satisfactory
Community Reinvestment Act · FFIEC
RESOLUTION QUALITY
28/100
Response quality score · CFPB
Source: CFPB →
BETTER-RATED ALTERNATIVES
Data from CFPB, OCC, Federal Reserve, FDIC, FinCEN, DOJ, FHFA, HUD, US Treasury, FFIEC and FTC public records. Complaint rates normalised per 1,000 estimated customers. Not financial advice. Methodology › · Privacy ›