Complain About Goldman Sachs - File a Complaint Today

Locked out of your Apple Card account again? You're not alone. Goldman Sachs Bank USA has racked up over 2,800 complaints on the Better Business Bureau in the last three years, with a shocking pattern of complaints about account management and customer service. Seriously, their BBB page is a mess. Customers are furious about everything from frozen accounts and incorrect credit reporting to a customer service system that feels designed to make you give up. It's beyond frustrating when a financial giant can't get the basics right. If you're tired of the runaround and just want your issue fixed, you've come to the right place. Visit Goldman Sachs

Last Edited on 01 Nov, 2025

Olivia Harper, Senior Content Manager

7 min read

Best ways to complain to Goldman Sachs

Contact Method	Details & Availability	Why use this instead
Phone (Apple Card)	1-877-255-5923 (24/7)	For urgent issues like fraud or locked accounts.
Phone (Marcus)	1-855-730-7283 (24/7)	Best for immediate help with loans or savings.
Messaging (Apple Card)	Via the Wallet App on your iPhone	Good for non-urgent questions with a paper trail.
Mail (Formal Complaint)	Goldman Sachs Bank USA, P.O. Box 45400, Salt Lake City, UT 84145-0400	Creates a formal record for escalation purposes.
Social Media	@GoldmanSachs on X (Twitter)	Public complaints can sometimes get faster attention. Use for visibility.

Estimated Response Times from Goldman Sachs After Complaining

Good luck getting a straight answer. Here's what you can probably expect.

Method	Expected Wait Time
Phone	5 - 45 minutes (highly variable)
In-App Messaging	2 - 24 hours
Mail	7 - 15 business days for acknowledgment
Social Media	1 - 48 hours

Tips to Get a Quicker Response from a Complaint

Call early in the morning. Try calling between 8 AM and 10 AM ET on a weekday to avoid the longest queues.
Have all your info ready. This includes your full name, account number, and the date the issue started. Don't make them wait for you to find it.
Use clear, simple language. Avoid jargon. State the problem and what you want done as plainly as possible.
Keep a record. Note the date, time, and name of the person you spoke with, plus any reference number they give you. This is critical for follow-ups.

How to Escalate Your Complaint

If Goldman Sachs isn't resolving your issue, it's time to escalate. Don't just keep calling the same number.

1. Ask for a Supervisor Internally On your next call, calmly but firmly state, "I would like to speak to a supervisor or manager." If they resist, repeat the request. This is your first step.

2. File a Complaint with the CFPB The Consumer Financial Protection Bureau (CFPB) is a U.S. government agency that handles complaints against financial institutions. This is your most powerful tool.

How it works: You submit a complaint on the CFPB website. They forward it to Goldman Sachs and require the company to provide a substantive response, usually within 15 days.
Outcome: Goldman Sachs takes CFPB complaints very seriously. This often gets your issue in front of a specialized internal team. The CFPB works, but prepare to wait. Sometimes Goldman Sachs needs a reminder or two.

3. Submit a Complaint to the Better Business Bureau (BBB) The BBB is a non-profit organization that helps resolve disputes between businesses and consumers.

How it works: File a complaint on the BBB website. The BBB forwards your complaint to the company.
Outcome: While not a government agency, many companies respond to BBB complaints to protect their rating. It's another way to apply public pressure.

Email Template to Complain to Goldman Sachs

Subject: Formal Complaint: Unresolved Issue with Account [[Your Account Number]]

To Whom It May Concern,

This is my third attempt to resolve an incorrect charge on my account, [[Your Account Number]]. I previously contacted customer service on [[Date of first call]] and again on [[Date of second call]] but the issue remains unresolved.

On [[Date of transaction]], my account was incorrectly charged [[$Amount]] for [[Briefly describe the transaction]]. This charge is invalid because [[Explain why, e.g., 'I had already cancelled the service' or 'it was a fraudulent transaction']]. Having to spend my time tracking this down and making multiple calls has been incredibly frustrating.

To resolve this, I require you to reverse the incorrect charge of [[$Amount]] and provide written confirmation that my account balance is corrected.

Please be aware that if this issue is not resolved within 10 business days, my next step will be to file a formal complaint with the Consumer Financial Protection Bureau (CFPB).

Thank you for your prompt attention to this matter.

Sincerely,

[[Your Name]] [[Your Phone Number]]

Additional Helpful Tips to get Your Complaint Resolved

Always ask for a reference number. For any call or chat, get a ticket or reference number. Without it, your conversation basically never happened.
Mention the magic words. Casually dropping 'CFPB' or 'credit reporting' into the conversation on the phone can sometimes get you transferred to a more senior department.
Keep your emotions in check. It's hard, I know. But yelling at the agent won't help. Be firm, persistent, and factual. They are more likely to help someone who is calm.
Use certified mail for serious issues. For major disputes, sending your complaint via certified mail creates an undeniable legal record that they received it.

Let Pine AI Help Raise the Complaint to Goldman Sachs

Tired of explaining your billing error for the fifth time, only to be put on hold again? Sound familiar? The endless loop of customer service reps who can't seem to help is exhausting. Instead of wasting another hour listening to hold music, let Pine AI handle it. We'll draft the complaint, contact the right people, and manage the follow-ups. No more repeating yourself. No more waiting in a phone queue. Just results. Seriously, save your sanity.