I was an interbank customer of Goldman Sachs (literally trading billions a year with them) and their "customer service" sucked - we were to be greatful that the mighty Goldmans recognised and dealt with us.

I can not imagine that a cosumer or mass market product would be any better - certainly not going from their niche presence in the consumer market to apple scale number of customers.

This is what I'm asking... It's like going to the wholesaler and wondering why they don't have a nice pretty brick-and-mortar to buy from. GS doing consumer credit just seems like a large impedance mismatch in various levels.

Sorry... just musing on this topic because this is giving me a laugh.