BANK
HIGHER RATE THAN 96% OF SCORED PEERS
Known as:Apple Card·Marcus High-Yield Savings
Complaint rate · per 1,000 customersscale 0–10
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
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
5 nearest rates in scored dataset
0.22/1k
0.28/1k
0.29/1k
0.30/1k
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 0.30 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.
→
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 customers0.30/1k
Total complaints (2011–2025)13,329
Year-on-year change+20%worsening
Timely response rate99.8%
Complaint rate normalised per 1,000 estimated customers. National median ≈ 0.30/1k.
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%
Denial rate — White applicants8.3%
Denial rate — Black applicants8.3%
Denial rate — Hispanic applicants8.3%
Racial disparity index1.00×✓ near parity
Based on 468 mortgage applications · FFIEC HMDA 2023
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, $90,000CFPB (Consumer Financial)FinCEN (Anti-money laundering)FDIC (Federal Deposit Insurance)FTC (Federal Trade Commission)
Dot colour reflects the most recent enforcement record on file at each agency. Each row links to that regulator’s source explainer.
Top Complaint Issues
21%
15%
11%
Breakdown of complaint issues filed with the CFPB by customers of this institution.
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
No DNA profile signals computed for this institution.
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 ›