Goldman Sachs Reviews 6

Goldman Sachs and Apple Card will NOT protect their customers with valid disputes, they keep denying my dispute because I didn’t return the goods, when the dispute was for not receiving the amenities that I paid for at a Hilton property.

Promises wealth, delivers headaches. Hidden fees, confusing terms, and customer service that speaks in circles. Feels like they’re winning while I’m just trying to keep up. 💰🏦🤨

This is regarding Apple Card. Their dispute resolution is miserable. They should learn some lessons from Amex.

My October statement payment of 3.98 was return 12/5/2023 due to an unknown mistake. I chat with Goldman Sacks agent as soon as I noticed it. I made the 3.98 payment 12/5/23, the agent issued a credit for the interest charged. The agent also told me I was back on track and the November statement balance of 1301.9 is not due till 12/31/23. I paid 1301.9 in full 12/30/23. I was charged another interest of 22.21., The agent did not tell me that I need to pay the November balance which is due 12/31/23 immediately to avoid interest. They need to honor what the agent told me. The bottom line is I paid all my statements in full. It is not right to charge me interest just because one payment is mistakenly returned. There is no other bank doing this kind of ripoff

How easy is to get ED (VP2 US colleagues)Global Markets front office in London?If you know how to play the corp. game and diversity card it is possiblewithout qualification, weak education etc. Commonmisconception is it is difficult not being sb protégé. Well, I was recruited by direct HR approach (typically for VP). 
However, I can call myself v.lucky HR on-board me although:
I was disciplinary terminated, sucked at BofA in 2015 focusing on the last employer instead, recommendation.Lucky this hasn’timpacted my screening, most banks perform much detailed checks further in history!
I'm 100% non-TARGET (Uni, MBAs, background etc)I have low (3.6/5.0)MscMarketing/Accounting of EasternUni,non target even there,2nd degree but never finished,started ACCA which failed after 1stexam, same goes to FCA etc. An obvious trick was do buy instead MBA) the cheapest London’s MBA(100% pass rates+ CMI incl. nb cares,West London@the end merged with City Uni-what confused HR as it is still same quality)
- My background by no means wasn’t FO,as I camefrom generic op. Firmops,CA experience, never been involved in actually sellspitching, direct clients interaction, not like most transfers to FO Risk or Research,Finance,Markets
- I’m not qualified,neither FCA, FRM, ACCA etc, Analyst I supervise are 2x more technical superb, as far my +15 YOE middle op support goes.I have started ACCA but failed,started FCA but failed, so MBA with impossible to fail(100% successful rate) at WestLondon was my way around, especially as they merged it with City Uni at final study what confused HR even more and giving other label for same quality same.
- CHEAT TRICK there are MBAs and “MBAs”- I have completed the cheapest (budget-limitation & language barrier) non-target (some called it Micky Mouse MBA)costed +£16k, which was later luckily merged with City Uni.The main requirement pass basic IELTS(sb might be laugh) not like in professional MBA programmes (GMAT) not to mentioning LSE andrest Russel’s Group requirements! Most of my colleagues @GS have graduated LSEetc(140£k eMBA)however due to language, communication I was also forced to use extensive help copywriters(fiverr,gumtee) to pass final result.
- My communication skills although average at the best, I have neverstudied English language as my 1st foreign language, nor eastern accent luckily hasn’t impacted my chances.
- Finally if I were representing a different sex, probably not meeting diversity, I wouldn’t stand a chance among colleagues, with CFAs,LSEs etc
Overall I’m so grateful and happy that I can lead own team and set owntargets as well recruit people suitable for business and my management own personal goals.
I’m keep telling friends that in this business critical thinking is disadvantageous,there is no space for too old, too experienced candidates as they tend tocreate leaderships challenges and raising uncomfortable questions about senseand ways of doing things.the speed, accuracy are the most importantin this role alongside soft skills managed (not the most knowledgeable or skilled got promoted!).I personally tend to recruit only young candidates,who are willing to make effort, work long hours and do not challengesupervisors causing unnecessary fractions.Why I would recruit sb you can possessa threat to your own role!

Ethics& Integrity: Neither GS nor my previous bank wouldn’t probably mind if I will admit that I’ve spent few years clamming council social housing benefits as well, living with my further family in their council flat and still work as Director(savings ‘000).I simply used an opportunity as I was learnt doing at work.
 To summarize I’m not exactly a raw model for juniorcolleagues (sometimes) better qualified and technically skilled on the job than me, neither in terms of technicality nor especially ethics at all, but as theycame to me and once you are in, who cares!All of the above are true and rather simple tocheck, so I hope HR is taking notes.
Morgan's HR acknowledged that if they had known much earlier, they would have responded appropriately, as now…now it is yours and only yours problem…