Gateway One Lending & Finance LLC

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Regards, [redacted] I need the titleYour investigation is not helping meHow about you step up and say I'm sorry [redacted] we will get this to you right awayYou cashed the check for this loan over days agoHandling this in a professional timely manner is out the window Please just give me or the dealer the title There's no excuse for what you are doingYou may end up effecting my government top security clearance if I end up in court over thisUnacceptable please do your job you should've done months ago

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Regards, [redacted] Again Gateway fail to understand their at faultMy name is [redacted] , I'm employed as a [redacted] at [redacted] at $dollars an hourI live in a single bedroom apartment of square feetIn my savings I have less than $I'm a father of two girls who depends on every penny I makeI said this because....I DONT HAVE MUCH! All I have is my name(credit)Which I work very hard to keep in great standingAs you know GatewayOn the 25th of November while speaking with ***, Gateway RepresentativeYes I did have the vehicle, for the third time picking it up from [redacted] repair shop [redacted] was aware of this issue and I was testing the truck to see was the repairs correctedAs we all know now the fourth time the transmission failedDuring my conversation with ***, she stated that she couldn't move forward until she verified my employment and she would need a recent paystub because I was only making $an hourShe prematurely and mislead me that she wasn't going forward until she receive my paystubOn the 27th the truck broke down for the fourth time less than three weeksI called [redacted] at [redacted] ***Telling him that the truck broke down again and if we can negotiate another vehicleHe immediately said....NO! He was paid on the truckThe problem was minesThis was all because of ***'s lack of responsibilty to meShe DIDNT get a paystub so how could she move forwardGateway is wrongThere not excepting that they have wrong meI have nothingI only wanted a good running truck that I can make extra money for my daughters and I [redacted] has the truck, which was towed to them on the 11th of December at my expenseBecause they refuse tooAlso why are you taking a ordinary person through something like this....all I wanted was a reliable truck that I tried over and over to make this deal fair with [redacted] and you, GatewayThe FAULT isn't minesPlease I ask you don't damage what I have worked hard for...my CREDITI struggle everydayI live paycheck to paycheckI only wanted a fair deal [redacted] won't even work another truck with me...why is that...I don't understandThe truck is a Lemon and I have the rights as a consumer to return a lemon, less than thirty daysAlso [redacted] didn't receive any paystub, which I have the voicemail

Customer Information [redacted] (Complaint ID [redacted] ) [redacted] Terrace [redacted] , MD [redacted] Daytime Phone: [redacted] Email: [redacted] @yahoo.com Account No: [redacted] Gateway’s Response – 09/26/ Gateway One Lending & Finance, LLC (“Gateway”) strives to provide service in a professional and courteous manner in compliance with all applicable federal and state laws In response to this complaint, Gateway has conducted an investigation into the matter raised by the customer Please be advised that the credit inquiry referenced in the complaint was made pursuant to an application for credit on a retail installment contract submitted by a motor vehicle dealership from whom complainant sought to purchase a vehicle If this is not correct, Gateway requests complainant contact Gateway directly so we may further investigate this issue We trust this addresses complainant’s concerns

Gateway One Lending & Finance, LLC (“Gateway”) strives to provide service in a professional and courteous manner in compliance with all applicable federal and state laws In response to this complaint, Gateway hasconducted an investigation into the matter raised by the complainant With respect to the issue raised by the complainant pertaining to the assessment of interest on complainant’s account with Gateway, please note that the contract entered into by the complainant is a simple interest contract in which payments received are applied to the earned and unpaid part of the finance charge prior to applying to any additional amounts, such as the principal balance Therefore the number of days in betweenpayments, the outstanding principal balance and the annual percentage would be utilized to determine the amount of earned and unpaid finance charge upon receipt of a payment Payments would then be applied to the account accordingly As such, the allocation of a payment between principal and interest will vary from payment to payment While payments made by the complainant have reduced the outstanding principal balance and, as a result, the daily interest accrual; the number of days between receipt of payments has resulted in a fluctuation of the accrued and unpaid interest assessed on each day a payment was received Gateway will mail a copy of the payment history directly to the complainant which will reflect the receipt and application of each payment received for complainant’s account We trust this addresses the complainant’s concerns

Revdex.com COMPLAINT RESPONSE Customer Information [redacted] (Complaint ID [redacted] ) [redacted] ***Daytime Phone: [redacted] Email: [redacted] Account NoXXXXXXXXX*** Gateway’s Response Gateway One Lending & Finance, LLC (“Gateway”) strives to provide service in a professional and courteous manner in compliance with all applicable federal and state laws In response to this complaint, Gateway has conducted an investigation into the matter raised by the complainant On April 28th the complainant called Gateway customer service department and requested a due date changeGateway records indicate a due date to the 25th of the month was discussed with the complainant and a Due Date Change (“DDC”) request form was delivered to the customer for completionIn July, Gateway received a completed DDC from the complainant but the requested change in due date was noted as the 28th of each monthAs Gateway has certain dates a DDC request cannot be made to (“Blackout Dates”) the complainant’s DDC request was not acceptedThese Blackout Dates are disclosed on the DDC request form We apologize for any inconvenience this matter has causedHowever, as a DDC request is an official record on a change in the account, therefore, Gateway must have a correctly executed signed copy of a DDC request formGateway has mailed another DDC form to the complainant for completion As an accommodation to the complainant, Gateway can accept a properly executed (signed & scanned) copy of this form via emailThe email address is specified on the DDC formIf the complainant has any questions in the completion of this form, we encourage them to contact Gateway Customer Service at [redacted] We trust this addresses complainant’s concerns

Gateway One Lending & Finance, LLC (“Gateway”) regrets that complainant is not satisfied with the initial response to the complaint As previously noted, a Gateway representative did have a telephone conversation with the complainant on November 25, at which time complainant was in possession of the vehicle after having initially returned the vehicle to the dealer Complainant raised no issues with respect to the vehicle at that time [redacted] has informed Gateway that they have addressed the mechanical issues with the vehicle It does not appear that complainant has taken possession of the vehicle to determine whether the mechanical issues have been addressed Gateway once again requests that complainant contact [redacted] to arrange for piof the vehicle and keep Gateway advised

Dear Mr [redacted] , Gateway One Lending & Finance, LLC (“Gateway”) strives to provide service in a professional and courteous manner in compliance with all applicable federal and state laws In your complaint you indicate your frustration with not understanding why the interest portion of your monthly payments fluctuates month to month At this time, our records indicate the payments are being applied to your account accuratelyThe amount of interest for each payment is based on the simple interest method, where the number of days between payments (accrual period) multiplied by your current principal balance multiplied by your daily APR will equal the amount of accrued interest for that periodThe formula is Days Accrual x APR/x Outstanding Principal balance The Retail Installment Sales Contract - Simple Finance Charge that you completed at the time of your vehicle purchase indicates the finance charge is computed using the simple interest methodAdditional explanation can be located in section Finance Charge and Payments, located on page two (back page) of the contract, which indicates how the finance charge and payments will be determinedFor your review we have mailed a copy of the contract to your address on record We regret any confusion you have regarding this matter and trust your concerns have been addressed

Gateway One Lending & Finance, LLC (“Gateway”) strives to provide service in a professional and courteous manner in compliance with all applicable federal and state laws In response to this complaint, Gateway has conducted an investigation into the matter raised by the complainant Subsequent to the repossession referenced by the complainant, complainant and Gateway exchanged voicemails The parties, however, were unable to communicate directly and Gateway was unable provide the requested information Please note that Gateway has been in contact with the recovery agent and provided instructions to retain all personal property on behalf of the complainant Gateway representatives will reach out to the complainant directly to provide the requested information Should complainant not receive a call from Gateway, Gateway requests that complainant contact Gateway’s corporate legal department in order to obtain location information of complainant’s personal property We apologize that we were not able to communicate this information previously

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below [I want the inquiry deleted off my report] Regards, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Yes it all seems "above board" in that I was listed as a reference for my brotherHowever - this company did not leave any messages for my brother so he could return their callsHe did not have any messages on his phone and was surprised they "called me first"When I asked Gateway One what the calls were in reference to I was given no information just "Have your brother call us." When I asked what the business was and why they were attempting to call my brother I was told "We are Gateway OneGoogle us." Plus - WHO CALLS TO INTIMIDATE a customer and his sister who is OVERPAYING his bills? Really? Again - yes, in the "letter of the law" you called me as a reference to get in touch with my brotherAdditionally, in the "letter of the law" you responded to my complaint in what seems logical and in a way that answers the complaintBut, if I accept what seems to be a reasonable response to my complaint, the Revdex.com closes this complaint as satisfied & nothing changesHowever, you attempted to intimidate me, you were rude and your business practices are deplorable according to the now complaints filed and negative comments on the Revdex.com website listing of your companySo in the "spirit of the law" if I answer this complaint as "satisfied" then you keep a dishonest A+ rating with the Revdex.comI'm sorry but that needs to change - your ranking must drop If this was Yelp it would show a more honest representation of your company and your business methodsComplaints and negative reviews must count for somethingI regret that my brother purchased his car thorough your companyHe knows better nowSo do I - and I'd rather have more of the public awareIt's hard to be transparent to potential customers hiding behind an A+ Revdex.com rating Regards, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint [redacted] ***o did not reject this transaction, because it was never summited by Gateway One Lending!Regards, [redacted]

I had a vehicle that was total loss due to the flood in [redacted] back in OctoberMy insurance company paid Gateway one Lending $15551.00, extended warranty was paid toward the vehicle in the amount of $and the Gap Insurance paid the difference of $3741,The total amount that was owe on the vehicle was 20,I received a bill from Gateway One Lending stating that I owe a payment of $that includes interest and late chargesI checked the account with Gateway One Lending on the 24th of December and it states that the amount owe was 0.00.I would like for this company to stop contacting me, do not put any adverse actions on my credit reportThe vehicle is paid in full

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Regards, [redacted] ***

Dear Ms [redacted] , Gateway One Lending & Finance, LLC (“Gateway”) strives to provide service in a professional and courteous mannerIn response to this complaint, Gateway has conducted an investigation into the matter you raised You express concerns with receiving mixed information from or customer service agents regarding a remaining balance on your loan after your intended payoffWe apologize for any inconvenience this matter has causedYour most recent payment was received and applied to your account on April 7, 2017; however, it was short of the amount noted on the monthly statement sent to you Therefore, a balance remained on your account As a goodwill gesture, Gateway has waived the remaining balance due on your accountWe now consider your Gateway account paid in fullGateway has released its lien on the vehicle and a lien release letter will be mailed to your mailing address on file Again, we apologize for any inconvenience this matter has caused and thank you for your patronage

Gateway One Lending & Finance, LLC (“Gateway”) strives to provide service in a professional and courteous manner in compliance with all applicable federal and state laws In response to this complaint, Gateway has conducted an investigation into the matter raised by the complainantAs noted in the complaint, complainant’s husband is the Gateway account holder Gateway repossessed the motor vehicle associated with the account on December 29, The account holder called Gateway on December and 31, seeking information about return of the motor vehicle At that time, Gateway was unable to provide the information requested On December 31, 2015, Gateway mailed account holder a Notice of Right to Reinstate which disclosed the amount necessary for account holder to reinstate the account and retain possession of the motor vehicle On January 6, 2016, a Gateway representative called the account holder and advised of the amount necessary to reinstate as noted in the Notice of Right to Reinstate mailed to the account holder On January 15, 2016, Gateway received payment for the account Please note that the Notice of Right to Reinstate makes the following statement: “The dollar amount is an estimate because any storage costs will continue to accrue on a daily basis until you reinstate your Agreement and get your Vehicle back.” Gateway did waive the additional storage and communicated an authorization to release the collateral on January 15, Although account holder may not have been able to retrieve the vehicle on January 15, 2016, Gateway has been informed that any additional storage associated with the vehicle has been waived and account holder was able to retrieve the vehicle We trust this addresses complainant’s concerns

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] I rebuttal as gateway one lending put day hit on my credit report has failed too remove it back too good standing as result I got there payment history still shows I paid in good faith they send out statement once month days before payment is due I have made payments on the 15th are 18th of every month payment is not due till the 30th of every month how can they put on sept 5th late day payment of $dollars when the payment is only $month explain that gateway one I mail too there dallas branch in texas there racial slurs made too me they have my phone number but I put cease decease order on them they cashed august 15th check of $on the back of the check stated that gate way one would remove the day late as there fault I have last months bank statements showing there cashing its been paid never late they need too get with Experian ncac po box [redacted] texas [redacted] ref [redacted] get that inaccurate report removed at once as has hurt my credit report and scores due too gateway one lending called me cursing me using racial slurs at me I don't put with bs like that she told me she would hit me on day late if I didn't kiss her [redacted] you know what was said I have filed with the attorney general office and the ftc and im planning on filing with the ftc once again here it is oct once again no bank statement for payment they have put on my credit report I owe $19,wow that's why I paid its been oct two years of paying my numbers were around $14,owed gate way needs too follow the fcra and the fdcpa and the cspba please remove that day late at once as result there neglect I have proof they cashed on dates of sept 18th not late august 18th not late please remove the day impact I stop rebutle until then I will file everything I can against them the ftc and the ag involved I want letter of apology sent too me and the day late removed from Experian at once and I will stop this until them nope I will keep coming after them thanks [redacted] *** [redacted] Regards, [redacted] ***

Dear [redacted] , Gateway One Lending & Finance, LLC (“Gateway”) strives to provide service in a professional and courteous manner in compliance with all applicable federal and state laws In response to your concerns Gateway has conducted an investigation into the matter you raise Based on your recent complaint, you indicate your frustration with not receiving an extension on your accountAfter review of this matter, we are willing to provide you an extensionA Gateway manager will be reaching out to you to make arrangements for this extension We apologize for any inconvenience this situation may have caused you and we thank you for your time and patience throughout this matterTell us why here

DearMs [redacted] -***, We received your rebuttal response to Revdex.com complaint # [redacted] submitted regarding your transfer of a vehicle title It is our understanding you were contacted by our Gateway Titles Manager who provided you an explanation of the process necessary to complete your title request and a person to contact for additional questionsIt is our understanding your concerns were resolvedThank you for your patience in this matter

Dear Ms [redacted] , Gateway One Lending & Finance, LLC (“Gateway”) strives to provide service in a professional and courteous manner in compliance with all applicable federal and state laws In response to your concerns Gateway has conducted an investigation into the matter you raise Based on your recent complaint, you request to retrieve your personal belongings from the vehiclePlease be advised, as a courtesy, we have notified ARS Repo Agent to release your personal properties and at no cost to you We apologize for any inconvenience that this situation may have caused you, and we thank you for your time in bringing this matter to our attention

Dear [redacted] ***, Gateway One Lending & Finance, LLC (“Gateway”) strives to provide service in a professional and courteous manner in compliance with all applicable federal and state laws In response to your concerns Gateway has conducted an investigation into the matter you raise We have reviewed the call activity on the date of January 19, and we will be forwarding it to the appropriate department manager to review and address the concerns you presentWith respect to your request for reimbursement of additional fees you were assessed to recover your vehicle, we will be mailing a check in the amount of $to the address on recordIf this reimbursement is not received with days, please contact us