Complaints

This profile includes complaints for Marcus by Goldman Sachs's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Marcus by Goldman Sachs

  11850 S Election Rd Draper, UT 84020-6887

  
• 

  Marcus by Goldman Sachs

  PO Box 1978 Cranberry Twp, PA 16066-0978

• 

  Marcus by Goldman Sachs

  PO Box 45400 Salt Lake City, UT 84145-0400

  

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:03/26/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I've been trying to close my account and have my money moved to another financial institution for several weeks. Despite more than 10 phone calls to resolve the matter, they have not closed my account and have not moved my money. The representatives have been a combination of incompetent, rude, and just plain unhelpful. They have not provided a reason as to why the account hasn't been closed or why they continue to hold onto my money, which is directly contrary to my request. This is a large sum of money they're holding onto (several hundred thousand dollars) and having a significant negative impact to me via the inability to use the funds to pay bills. The resolution I'm seeking is very simple, move the money out of their account to a different financial institution (that is already linked to this account) and close this account - immediately. For context, I recently went through a similar transaction with another financial institution and the account was closed the same day and the money transferred within 3 business days so there is no justification for Marcus's incompetence to complete a similar transaction.

  Business Response

  Date: 04/02/2024

  BBB Response *******
  ID ********
  **********************, a brand of Goldman Sachs Bank *** (the Bank), received the above-referenced
  complaint via the Better Business Bureau Complaint Portal on March 26, 2024. The Bank
  appreciates the opportunity to address the concerns raised by *************************** (the Customer) related
  to closing their ************** Account (***).
  On March 18, 2024, the Customer contacted the Bank requesting to close their *** and transfer the
  funds to a linked account. During the transfer processing review, the Bank identified security concerns
  with the transfer as the funds needed to be returned to the original funding account. Subsequently, the
  Bank contacted the Customer advising that the funds needed to be returned to the respective funding
  accounts. The Bank then declined the transfer.
  On March 21, 2024, the Customer contacted the Bank to re-initiate the closure of their **** ******************** specialist did not inform the Customer of the appropriate amount of funds that needed to be
  transferred to the respective funding accounts. Consequently, the Bank declined the outgoing transfer
  which led to a delay in closing the Customers ****
  On March 27, 2024, the Customer contacted the Bank to transfer the appropriate amount of funds to
  the respective funding accounts and close the **** The Bank successfully processed the transfers and
  closed the *** on March 29, 2024.
  Based on the above details, the Bank kindly requests this complaint to be closed.

• Initial Complaint

  Date:03/26/2024

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Goldman Sachs stole 260$ from my credit card account. I opened a depute for 260$ ( D-********) with a plant store that sold sick dead plant to us. I have provided pictures and evidences to them. Goldman Sachs did not run an investigation and 3 days later denied with a disputed. However, Goldman Sachs charged my card additionally 260$ that they never credited back when dispute was opened. So the total charge is 520$ for a plant that never made it. I demand to place my money back as well provide full investigation results on why my dispute was disregarded Disputed transaction: D-********

  Business Response

  Date: 04/02/2024

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on March 26, 2024. ******** appreciates the opportunity to address the concerns raised by *********************** (the Customer) related to a transaction dispute with the Merchant Amelias Smartyplants in the amount of $260.00.
  ******** conducted an investigation and confirmed no error occurred. The Customer initially disputed the transaction on March 20, 2024, and reopened the dispute on March 26, 2024. ******** applied temporary credits while the disputes were investigated. Based on the investigation and a review of the evidence provided, the Bank resolved the dispute in favor of the Merchant because the Customer requested to withdraw the disputes. As a result, the temporary credits that were applied to the Customers account were reversed on March 26, 2024, and March 27, 2024. ******** sent the Customer emails detailing the dispute outcomes. ******** confirmed that the balance correctly reflects the dispute credits and reversals.
  The dispute was reopened on March 27, 2024, and the Bank applied a temporary credit while the dispute is reinvestigated. The dispute with the merchant ******************** remains under investigation, and the Bank expects completion within 2 billing-cycles from the date of receipt and no later than 90 days from date of receipt. During the investigation, the account does not incur interest for the amount in dispute and the Customer is not responsible for repayment.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

  Customer Answer

  Date: 04/02/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:03/25/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I opened an online savings account at ******************** on May 2023, and on Feb. 14, 2024, I received a mail stating my account was closed without anyone telling me ahead of time and without my confirmation. I have money in the bank account and didnt know where they go now. I called 6 times regarding retrieving my account. However, they told me they couldnt verify my information because first, when they cross-referenced my phone number, it did not match my name publicly (I used the exact same number when I opened the account), so they refused to send me the one-time pin code to verify me (deposit department would be able to send me the verification code though). I even put my phone carrier on the phone, and the agent refused to talk to them. Ive been using this phone number for other banks, for health care, for anything! Then, because my drivers license was issued in **, they couldnt use my driver's license to verify either. I just dont get it; when I opened the account, I was using the exact same phone number, and I also entered SSN, birthday, and email address; unfortunately, none of these would be used for verification; however, every single time, when I called them, the person picked up the line would verify my information by asking those information!! Two weeks from now, I was told there would be a form for verification purposes expedited to me. However, it never came. So, I called again, and one agent told me the form would be mailed to me only after the investigation was done on my case; she told me someone would call me on the case, and then I asked her how long the investigation would take, she told me there would be no time frame!! Then I called again and talked to another agent, who assured me the form was mailed out already! Their agents couldnt do much to help and just asked me to wait without advising a time frame! Last Tuesday, I have received a call from the **************** to verify my information and she told me it should be only taking a couple of days for them to figure out my account and someone should reach me to let me know a resolution. Then I have waited for a week, nothing happened, so I called again today, another agent from the fraud department was trying to tell me the same thing again!! The agent told me she couldnt use my phone for verification and I will need to fill out the form, then I explained everything again including I already verified with an agent a week before my information. She then said would reach out to her supervisor and asked me to called again the next day during ************** hours to talk to supervisor. I will call tomorrow, but I dont really know when this will come to a resolution... why is this so difficult and disappointing? This is the worst experience I ever had with banking.

  Business Response

  Date: 04/02/2024

  BBB Response *****
  ID ********
  **********************, a brand of Goldman Sachs Bank *** (the Bank), received the above-referenced
  complaint via the Better Business Bureau Complaint Portal on March 26, 2024. The Bank
  appreciates the opportunity to address the concerns raised by ***************** (the Customer) related to
  accessing their ************** Account (OSA)
  On July 31, 2023, the Bank identified security concerns regarding the Customers identity and restricted
  the OSA until the security concerns could be resolved. Due to the ongoing security concerns, on
  February 13, 2024, the Bank made a business decision to close the Customers OSA.
  On March 6, 2024, the Customer contacted the Bank regarding their account access; however, the Bank
  was unsuccessful in authenticating the Customer and the security concerns remained. As an alternative
  method of verification, the Bank requested the Customer to complete an Affidavit of Identity (AOI).
  After further review, the Bank made an exception to resolve the security concerns without an **** On
  March 19, 2024, the Bank contacted the Customer and verified the Customer using alternate methods
  to resolve the security concerns. Subsequently, the Bank specialist restored the Customers online
  access.
  On March 26, 2024, the Customer contacted the Bank regarding the status of their OSA. A Bank
  specialist then assisted the Customer with re-opening their account which was successfully completed
  by the Bank on March 29, 2024.
  Based on the above details, the Bank kindly requests that this complaint be closed.

• Initial Complaint

  Date:03/25/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I invested in Marcus online banking last year. And because of my name and phone number didnt match, they cannot send me codes through phone, also I didnt have driver licenses to prove my ID, they didnt accept passport. And they locked my account and closed it this Jan. I have a complaint about the tax form. Since I cannot log in my account, and I cannot download my 1099 form there. I called them this Feb to ask them give it to me either online or send it to my mail box. But they said you need a affidavit to prove your ID and sent it back. It costs them about 7-10 business days to review and they will give me the 1099. I received their affidavit and wrote, then sent it back a month ago. I called them almost every three days after 10 business days as they promised. but there is no update and staffs who picked up the phone always said there is nothing I can do. They even didnt help me ask their managers or others. They put me in hold for half a month and I still dont have any updates. They even told me I can call them everyday to monitor the updates.But what actually happened is there is no updates, every time I called them, they said it still needs a few steps.

  Business Response

  Date: 04/02/2024

  BBB Response Feng
  ID ********
  **********************, a brand of Goldman Sachs Bank *** (the Bank), received the above-referenced
  complaint via the ********************** Complaint Portal on March 25, 2024. The Bank
  appreciates the opportunity to address the concerns raised by ***************** (the Customer) related to the
  receiving their 1099-INT.
  On January 12, 2024, the Bank mailed the appropriate tax documents to the Customers address on file.
  On January 25, 2024, the Customer contacted the Bank inquiring on the tax documentation related to
  their account; however, the Bank was unsuccessful in authenticating the Customer. As an alternative
  verification method, the Bank requested the Customer to complete an Affidavit of **************************** the security concerns which the Bank received on February 28, 2024. Unfortunately, there was a
  delay in reviewing the ***.
  On April 1, 2024, the Bank approved the *** and a Bank specialist contacted the Customer to assist the
  Customer with accessing their tax documentation as requested.
  Based on the above details, the Bank kindly requests this complaint to be closed.

• Initial Complaint

  Date:03/25/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Hello,I opened my saving account with ******************** in May'2023. I transferred fund of $2500 in this account from my chase account. But after couple of weeks, my online access was disabled and I am not able to access my account from last 7-8 months. I have called Marcus multiple times, requesting them to either enable my access or refund the money from my account. Everytime I speak to new representative and have long conversation with them, but none of them are able to help me. It more than 6 months, I am chasing to either get my online account access or get the fund. I need help in this. Marcus account number: ************ I want fund transferred to my chase account:Chase Account number: ********* Chase Routing number: *********

  Business Response

  Date: 04/01/2024

  BBB Response Garg
  ID ********
  **********************, a brand of Goldman Sachs Bank *** (the "Bank"),received the above-referenced complaint via the Better Business Bureau Complaint Portal on March 25, 2024. The Bank appreciates the opportunity to address the concerns raised by ********************* (the "Customer") related to accessing funds in their ************** Account (***).
  On May 17, 2023, the Bank identified security concerns regarding the Customers identity and for the protection of the Customer, restricted the *** until the security concerns could be resolved.
  
  On June 5,2023, the Customer contacted the Bank regarding their *** access; however, the Bank was unsuccessful in authenticating the Customer and the security concerns remained. Due to ongoing security concerns, on July 29, 2023, the Bank made a business decision to close the ***.  
  On February 18, 2024, the Customer contacted the Bank regarding the status of their *** and a Bank specialist assisted the Customer in transferring the funds from their ***, to the original funding account. Unfortunately due to a processing error,there was a delay in transferring the funds back to the Customers external account.
  On March 28, 2024, the Bank successfully processed the transfer and closed the Customers ***.
  Based on the above details, the Bank kindly requests this complaint to be closed.
  

  Customer Answer

  Date: 04/02/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *********************

• Initial Complaint

  Date:03/24/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Dear Better Business Bureau,
  
  I am compelled to submit a formal complaint against Marcus by Goldman Sachs due to failed attempts at transferring funds and a deeply frustrating customer service experience, which has left my issue unresolved and my confidence in their services severely diminished.
  
  On Feb 25, I transfered money out of my account (account name : *******************) and many days later I was told that it failed and I cannot transfer any more. Subsequent interactions with customer service have proven fruitless. Despite multiple calls and promises of follow-ups within 24 hours, there has been no resolution or satisfactory explanation. I have been met with repeated statements of "there is nothing I could do" from the supervisors, demonstrating a lack of initiative to address my concerns effectively.
  
  This ordeal has not only caused significant inconvenience but has also led to potential financial detriment due to the inability to access my funds. The lack of accountability and transparency from Marcus by Goldman Sachs is concerning, and it prompts me to seek assistance from the BBB to facilitate a resolution.
  
  I am requesting an expedited investigation into this matter, a formal acknowledgment and explanation for the misplacement of the affidavit, and immediate corrective action to complete the transfer of funds that I originally attempted.
  
  Your intervention is crucial in ensuring that Marcus by Goldman Sachs addresses this issue with the seriousness it deserves and to prevent such occurrences in the future for myself and other customers.
  
  Thank you for your prompt attention to this pressing matter.
  
  Sincerely, ****** ***

  Business Response

  Date: 04/01/2024

  BBB ***
  Response
  ID ********
  Marcus
  by Goldman Sachs, a brand of Goldman Sachs Bank USA (the “Bank”), received the
  above-referenced complaint via the Better Business Bureau Complaint Portal on
  March 25, 2024. The Bank appreciates the opportunity to address the concerns
  raised by ****** *** (the "Customer”) related to accessing their Online
  Savings Account (“OSA”).
  According
  to Bank records, on February 28, 2024, the Customer initiated an outgoing
  transfer request from their OSA to a linked account. During the transfer processing
  review, the Bank identified security concerns regarding the Customer’s identity,
  and attempted unsuccessfully to contact the Customer. Consequently, the Bank
  declined the transfer and restricted the OSA until the security concerns.
  On March
  8, 2024 and March 15, 2024, the Customer contacted the Bank regarding their account
  access; however, the Bank was unable to authenticate the Customer and the
  security concerns remained. As an alternative verification method, the Bank requested
  the Customer to complete an Affidavit of Identity (“AOI”).  
  After
  further review, the Bank made an exception to resolve the security concerns
  without an AOI. On March 26, 2024, the Bank contacted the Customer and a Bank
  specialist assisted with resolving the security concerns by authenticating the
  Customer using alternative methods. Subsequently, the Bank specialist removed
  the restrictions and restored the Customer’s online banking access. Later that
  same day, the Customer submitted an outgoing transfer request from their OSA to
  a linked account which the Bank successfully processed.
  Based on
  the above details, the Bank kindly requests this complaint to be closed.

• Initial Complaint

  Date:03/23/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with goldman sachs, they did not provide me with the original contract as i requested.

  Business Response

  Date: 03/28/2024

  Goldman Sachs Bank *** (the Bank) received the above-referenced complaint related to Apple Card via the Better Business Bureau (BBB) Complaint Portal on March 24, 2024. The Bank appreciates the opportunity to address the concerns raised by ******************************* (the Customer)related to validation of the debt owed for the *********************** conducted an investigation and confirmed an inadvertent processing error occurred. The Bank received a request for debt validation on February 13, 2024, however the requested documents were not mailed to the Customer. The Bank regrets the frustrations the Customer experienced.
  The Bank determined the Customer is liable for the account.According to the Banks records, the Customer opened an Apple Card and consented to the Apple Card Customer Agreement on June 11, 2022. The Bank sent the Customer the requested documents on March 25, 2024, validating the Customer's debt including a copy of the Apple Card Customer Agreement and six months of statement history showing records of transactions and payments to validate the balance and the debt owed. The Customer is responsible for the balance on the account in the amount of $7,610.96 provided in the latest statement from February 29, 2024. The Bank is obligated to report accurately to ************************* and is unable to update the Customers credit reporting.
  Based on the above details, the Bank kindly requests for this complaint to be closed.

• Initial Complaint

  Date:03/23/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Marcus by Goldman Sachs is reporting my payment history as a one time 30 day late. It is also repoting I have an excisting balance. This account has never been paid 30 days past due and it has a zero balance, The account had all paments made on time and was closed with a zero balance.

  Business Response

  Date: 04/03/2024

  Marcus by Goldman Sachs, a brand of Goldman Sachs Bank *** (the Bank), received the above-referenced complaint via the Better Business Bureau (BBB) Complaint Portal on March 26, 2024. The Bank appreciates the opportunity to address the issues raised by ******************* (the Customer) related to a personal loan (the Loan).
  Please be advised the Bank transferred the servicing of the Loan to SST effective December 11, 2003.
  The Bank confirmed that as of December 7, 2023, it did not report the Loan past due.  SST confirmed with the last payment made, the Customer has paid off all obligations related to the Loan in full. SST also confirmed they reported the Loan as paid off/ closed to one or more consumer reporting agencies.
   Please contact SST at ************** if there are any questions regarding the Loan.
  Based on the above details, the Bank kindly requests this complaint be closed.

• Initial Complaint

  Date:03/18/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My online access has been temporarily suspended for some time. I cannot manage my credit card as a result. I have called a few dozen times to resolve this issue. Every time I am told a "ticket" will be put in, or I am told to call back, or I am transferred and put on hold for hours at a time.
  
  I need my online access fixed so that I can manage my credit card. It has been far too long with no resolution.

  Business Response

  Date: 03/26/2024

  Goldman Sachs Bank USA (the “Bank”) received the
  above-referenced complaint related to GM Card via the Better Business Bureau
  (“BBB”) Complaint Portal on March 19, 2024. The Bank appreciates the
  opportunity to address the concerns raised by ** ***** (the “Customer”) related
  to a restricted GM Card account.
  The Bank conducted an investigation and confirmed no Bank
  error occurred. As a part of a regular account review process, the Bank
  restricted online access until additional research could be completed. The Bank
  contacted the Customer on March 26, 2024, and verification was completed. The
  Bank confirmed the Customer’s account is active and available for use as of
  March 26, 2024. The Bank regrets the frustrations the Customer experienced.
  Based on the above details, the Bank kindly requests for
  this complaint to be closed.

• Initial Complaint

  Date:03/18/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Goldman Sachs Marcus froze my account so that I cannot withdraw my money to my own bank account. The only solution they offered is that they would mail me an affidavit of identity within 7 to 10 business days, but I've waited that many days and nothing has arrived. I need to withdraw my own money back.

  Business Response

  Date: 03/26/2024

  BBB Response Pu
  21452097
  Marcus by Goldman Sachs, a brand of Goldman Sachs Bank *** (the Bank), received the above
  referenced complaint via the Better Business Bureau Complaint Portal on March 19, 2024. The Bank
  appreciates the opportunity to address concerns raised by *********** (the Customer) related to
  accessing funds in their ************** Account (OSA).
  On February 28, 2024, the Bank received a withdrawal request from the Customers OSA to an external
  account. During the transfer processing review, the Bank identified security concerns regarding the
  transfer and attempted unsuccessfully to contact the Customer. Consequently, the Bank declined the
  transfer and restricted the Customers OSA.
  On March 1, 2024, the Customer contacted the Bank regarding their account access, but the Bank was
  unsuccessful in authenticating the Customer and the security concerns remained. As an alternative
  verification method, the Bank requested the Customer to complete an Affidavit of **************************** the security concerns. Unfortunately, there was delay in mailing the *** to the Customer.
  On March 19, 2024, the Bank mailed the required documentation to the Customers address on file.
  Currently the Bank is waiting to receive the completed documentation.
  Based on the above details, the Bank kindly requests this complaint to be closed.

  Customer Answer

  Date: 03/26/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  Zhizhong Pu