BANK
LOWER RATE THAN 72% OF SCORED PEERS
Known as:Apple Card·Marcus High-Yield Savings
Complaint rate · per 1,000 est. customersscale 0–10
Median of 36 scored 0.52 · Lowest in dataset 0.09
A lower federal complaint rate per customer than 72.2% of scored peers — though sub-signal observations remain on record.
Methodological confidence: MEDIUM · n=13,839 complaints over 14 years
Complaint rate
0.32
per 1,000 estimated customers
Resolved with relief
28%
received monetary or non-monetary relief
Daily volume
3.0
complaints per day · 2011–2026 average
0.6× the median of the 36 scored institutions; lower rate than 72.20% of scored institutions.
In the Evidence Pack
·Full issue & sub-issue breakdown, with counts
·24-month complaint-rate trajectory
·A worsening pattern exists (directional)
·Hash-verified provenance on file
Where complaints concentrate · top 3 product categories
Credit cards
0.19/1k
8,408
Checking & savings
0.07/1k
3,057
Money transfers
0.07/1k
2,947
5 nearest rates in scored dataset
0.28/1k
0.29/1k
0.31/1k
0.32/1k
0.34/1k
Federal data sources
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 0.32 complaints per 1,000 estimated customers, this institution is below our low-risk threshold of 0.50 — placing it among the better performers in our dataset of 2,333 tracked 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.
Federal enforcement record
No active federal enforcement actions are on file across the OCC, Federal Reserve, CFPB, FinCEN, FDIC, and FTC.
Most common words in federal complaints about GOLDMAN SACHS BANK USA
paymentslatereportingpaidpayreportdebtneveragainbecause
Extracted from 204 consumer complaint narratives · CFPB database
FULL RECORD
Complaint Profile
Rate / 1,000 est. customers0.32/1k
Total complaints (2011–2026)13,839
Year-on-year trendWorsening
Timely response rate99.8%
Complaint rate normalised per 1,000 estimated customers.
Financial Health Indicators
Net charge-off rate0.66%✓ healthy
Tier 1 capital ratio15.6%✓ adequate buffer
Loan loss reserve ratio0.64%
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$10.00B
DFAST stress test (Fed)6.0% CET1 stressed
HMDA Mortgage Fair Lending · 2023
Mortgage denial rate8.3%
Mortgage denial rate detailNot reportedPer-race denial rates not currently reported pending independent verification of per-race application data.
Based on 468 mortgage applications · FFIEC HMDA 2023
Regulatory Enforcement Record
OCC (Office of the Comptroller)Federal ReserveCFPB (Consumer Financial)FinCEN (Anti-money laundering)FDIC (Federal Deposit Insurance)FTC (Federal Trade Commission)
No active or recent enforcement actions on file across the 6 tracked agencies. Each row links to that regulator’s source explainer.
Top Complaint Issues
The full issue and sub-issue breakdown for GOLDMAN SACHS BANK USA, with per-issue complaint counts, is included in the Evidence Pack.
Request the Evidence Pack →Methodological notes
Received TARP government bailout: $10.0B
Subject to annual DFAST stress testing by the Federal Reserve (applies to largest US banks)
Institution Status
Enforcement
Financial Health
Fair Lending
Computed Signals
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 ›