Gateway One Lending & Finance LLC

Dear Mr [redacted] , Gateway One Lending & Finance, LLC (“Gateway”) strives to provide service in a professional and courteous mannerWe regret you feel that your concerns have not been adequately addressedIt is our understanding you have communicated with Gateway personnel, after your rejection of our initial written response, to complete the process of a payment extensionA confirmation letter regarding the approval of the extension has been mailed to you In addition, you had a conversation with a Gateway representative to discuss additional mattersIt is our understanding your concerns, including those involving the documents you previously emailed to Gateway, have been resolved to your satisfaction Again we apologize for any inconvenience this matter has caused

Gateway regrets the complainant was not satisfied with Gateway’s response to the concerns presented in the initial complaint Since the complainant did not provide any additional details as to the basis of dissatisfaction, Gateway is unable to respond to the rebuttal Therefore, we will consider this matter closed

Problem: GATEWAY ONE AND JMAC DISTRIBUTION L.L.Creacted in a manner that resulted in costing myself additional fees in trying to retrieve my carGateway One took business days to address this matter that resulted in $in total storage fees that should have been only $if the matter was addressed and handled in an orderly fashion on the Monday, August 15, All past due payments and storage fees were paid on Thursday August at 2:54pmGateway One was immediately contacted to provide the Moneygram Reference number for my payment so they could process the release of my vehicleThen when processing the release of my car, this took minutes to completeI instantly called JMAC Distribution LLC at 3:53pm EST to address this matter and to receive my carI was then placed on hold until 3:59PM EST & told they close at 4PM ESTThis will now result in now having to pay an additional $due to improper service.Desired Outcome: Due to the failure of Gateway One to address this matter in an orderly fashion, it has lead to an additional $1,in storage fees with JMAC DistributionI am demanding Gateway One and JMAC Distribution to refund me this total amount since this all could have bee avoided if the matter was dealt with in an orderly fashion

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action is not an accurate account and misrepresentationTo date, the requested extension form was completed and returned directly to [redacted] emailbox Since late March into April, Gateway One Lending and Finance has failed to work with me given my unexpected financial circumstanceMoreover, representatives I've spoken with at Gateway One Lending and Finance has shown absolutely no compassion neither did they attempt to send me the form until April 19thTruly, undergoing severe depression the least of my concerns was to deal with the combativeness of with Gateway One Lending and FinanceThe representatives failed to show accountability for the emails sent to [email protected] on April 10th and 13th, and again on 19th and they failed to acknowledge that I had taken the initiative to reach out to them for mutual courtesy effortsI'm still awaiting to speak with [redacted] Samneang to make some reasonable arrangements which she has failed to respond For your reference, details of the offer I reviewed appear below Regards, [redacted]

Customer Information [redacted] *** (Complaint ID [redacted] ) [redacted] ***Daytime Phone [redacted] Nighttime Phone: [redacted] Email: [redacted] Account No[redacted] Gateway’s Response – 02/06/2015Gateway One Lending & Finance, LLC(“Gateway”) strives to provide service in a professional and courteous manner incompliance with all applicable federal and state laws In response to this complaint, Gateway hasconducted an investigation into the matter raised by the complainant Gatewayis an indirect consumer automobile sales finance company As such it receives credit applications from motorvehicle dealerships on behalf of consumers seeking to finance the purchase of amotor vehicle and takes assignment of certain retail installment contractsevidencing the purchase and financing of a motor vehicle by consumers from amotor vehicle dealershipWith respect the [redacted] AutoCheck Report showing “changes to the structure andframe” for the vehicle in question, Gateway has been informed that it was theresult of the vehicle having been previously lifted and being sold through anauction from which the motor vehicle dealership in question acquired thevehicle The [redacted] report associated with the vehicle does not reflect any such issueWith respect to the registration fees, Gateway has contacted thedealership and advised dealership of the concern raised by complainant The dealership has advised that all feescollected for the registration have been tendered to the California Departmentof Motor Vehicles for the issuance of title and no refund is due Gateway has, however, requested additionalinformation from the dealership pertaining to the calculation of theregistration fees disclosed on the complainant’s retail installmentcontract Gateway has not yet received this information, but will supplement its response upon receipt and review ofthe information

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 Complaint is from a third party to the account in questionThe complainant indicates Gateway’s customer provided authorization to allow the complainant to act on behalf of the customer In addition the complainant indicates her ability to transact via Gateway’s website has been blocked and not accessible and her attempts to have the account unblocked have been hindered due to the third party not being able to transact on the accountThe third party requests adjustments to account owners negative credit reporting Gateway’s records indicate there is an authorization for complainant to be an authorized third party on this account which would allow Gateway to communicate with the complainant Even though Gateway is authorized to communicate with the complainant, there are still many aspects with respect to servicing the loan for which Gateway must receive direct instructions from its customer There are several factors which may cause access or services such as webpay for an account via Gateway’s website to be blocked Direct communication with the customer would be necessary to remove such block Please note, Gateway offers multiple options to customer to make payments on an account which are outlined in the monthly account statement available to the customer We trust this addresses complainant’s concerns

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted]

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved Regards, [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 this complaint, Gateway has conducted an investigation into the matter raised by the complainant On April 17, Gateway had a telephone communication with the complainant regarding a 2-month extension Gateway provided information concerning the steps necessary to process a payment extension That day Gateway provided an extension request form to the complainant to be completed and signed then returned to Gateway Unfortunately, Gateway did notreceive the completed extension form Throughout the months of May, June and portions of July, Gateway made numerous attempts to contact the complainant to seek the necessary extension request form, including written correspondence dated June 4, 2015, but did not receive a response from the complainant Therefore, Gateway was forced to escalate the matter on July 13, The fee referenced by the complainant is a direct cost that was incurred by Gateway and will not be waived

Customer Information [redacted] (Complaint ID [redacted] ) [redacted] ***Phone: [redacted] Email: [redacted] Account No [redacted] Gateway’s Response – 08/21/2015Gateway One Lending & Finance, LLC (“Gateway”) strives to provide service in a professional and courteous manner incompliance with all applicable federal and state laws In response to this complaint, Gateway hasconducted an investigation into the matter raised by the complainant As noted, complainant entered into a retail installment contract which calculatesinterest on a simple interest basis in which payments received are generally appliedto the earned and unpaid part of the finance charge prior to applying to anyadditional amounts, such as the principal balance Interest accrues on a daily basis and isdetermined by the then outstanding principal balance and APR Therefore the number of days in betweenpayments, the outstanding principal balance and the annual percentage would beutilized to determine the amount of earned and unpaid finance charge uponreceipt of a payment Gateway will provide complainant with a payment history to reflect that the entirepayment from the insurance company was applied to reduce the principal balancerather than any accrued interest A subsequent payment applied to the account was then applied to the accrued and unpaid interest Please note thatinterest accrued on the account was calculated on the then outstandingprincipal balance rather than the initial principal balanceWe trust this addresses complainant’s concerns Tell us why here

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 express dissatisfaction with information you were provided regarding the process associated with the release of title after paying off your loanWe apologize for any misinformation you received and any inconvenience this matter has caused We maintain a process to ensure that payoffs funds clear before title can be released A review of your account indicates the certificate of title associated with the vehicle on your account was released on July 21, Please contact us if you have not yet received the title in question

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.The e-mail replied that I received is so much falsified in regards applying the process on the monthly statement I have attached a file to view what the insurance company is charging me interest based on the original amount and not on the paid off principal amount.Once again,On 6/30/the insurance company paid a sum of $11,834.08, of which the payment of $was due on 7/3/My next payment interest should have been calculated based on simple interest of 15.99% on the remaining balance owed, $and any interest accured, instead I received called from the Gateway lending collection department that I haven't made a paymentI paid $on 8/3/,which was the monthly payment amount for the loan amount of $12,For my loan, My monthly payment is still based on the original loan amountThis is not according to fair lending practicesEven though after the sum lump payment made by the insurance company , my next payment still is the same If the principal amount is reduced, why is the interest and payment amount not reduced for my next monthly Payment?Needs clarity on After the Lump sum Amount paid, aInterest is calculated on what principal amount? bThe Monthly payment why is still $? Regards, [redacted] ***

Revdex.com ID# [redacted] ***E-Mail: [redacted] Revdex.com ID# [redacted] ***E-Mail: [redacted] Gateway’s Response: Initial response posted on 2/10/Gateway One Lending & Finance, LLC (“Gateway”) strives to provide service in aprofessional and courteous manner, in compliance with all applicable federaland state laws In response to this complaint, Gateway is in the processof conducting an investigation into the matter raised by the consumerUponcompletion of our investigation, Gateway will provide an updated response tothe consumer’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 has conducted an investigation into the matter raised by the complainant We regret that complainant was not satisfied with his experience with Gateway representatives Gateway contacted complainant on April 12, to advise that the payment in question was reversed by complainant’s bank Gateway communicated with the complainant subsequently that day where complainant advised of a bank error Gateway placed a call complainant on April 13, but was unable to speak with complainant Gateway placed calls with respect to the payment in question to ensure that the April payment was timely received in order to avoid the assessment of a late charge rather than to harass complainant 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 As noted in the complaint, complainant submitted a payment on June 10, via [redacted] which has been applied to complainant’s account On June 15, 2015, complainant contacted Gateway and authorized a payment to be processed on June 30, from complainant’s bank account Please note Gateway did not withdraw any funds from the complainant’s bank account on June 15, On or about June 22, 2015, Gateway mailed a confirmation letter to the complainant about the pending transaction scheduled for June 30, Gateway processed this payment on June 30, but the transaction was returned by complainant’s bank Gateway attempted to process this payment again on July 1, 2015, but was unsuccessful Therefore, Gateway did not withdraw from complainant’s bank account on June 15, or June 30, 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 has conducted an investigation into the matter raised by the complainant First, Gateway would like to express our condolences to Ms [redacted] and thank her for notifying Gateway of the co-buyer’s deathOur records indicate that the complainant was a joint account holder, had joint ownership in the vehicle and was obligated to continue to make payments on the account even after notification of death of the joint account ownerComplainant provided contact information for an attorney who was handling the decedent’s estateUpon receiving the attorney information Gateway stopped further contacts with the complainant After unsuccessful attempts to contact the attorney and due to a default in the terms of the retail installment contract, Gateway proceeded with a repossession action We regret the circumstances surrounding this matter Our records show the complainant’s account has subsequently been satisfied and the redemption and return of the vehicle to the complainant is proceedingWith respect to the Complainant’s request to correct credit reporting, Gateway has previously responded to a dispute regarding this matter, in which an indication that the reporting is accurate was providedWe respectfully decline the Complainant’s request to correct credit reportingTell us why here

Customer Information [redacted] L [redacted] (Complaint ID [redacted] ) [redacted] [redacted] , TX [redacted] Daytime Phone: [redacted] Email: [redacted] @yahoo.com Account No: [redacted] Gateway’s Rebuttal Response – 10/10/ Gateway regrets that the customer is not satisfied with the initial response to the complaint As previously noted, Gateway has mailed a payment history of customer’s account directly to customer on or about September 30, Customer references a check dated September 15th Gateway’s records reflect a payment was received and applied to the account on or about September 18, However, that payment satisfied an obligation for a prior month Gateway requests that customer review the payment history provided and identify any payments that may not be reflected

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 The response was the same given on the phoneThey did the bare minimum of what was required by state law in each individual state, did not inform me that they were not providing expected services, and then washed their hands of the situation after receiving payment expecting me to finish their work for them regardless of what I was told by the state RMVThis is horrible customer service, failure to deliver on a contract, and may involve protracted work on my part to fix their laziness and incompetence 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 You DO NOT REGRET ANYTHING except the fact that your company is embarrassed and has been reported for unethical business practices that's allIf you were TRULY SORRY you would resolve the situation properly."We regret the complainant was not satisfied with the response to their original complaint to resolve a Due Date Change request" There is NO "miscommunication" IN THIS MATTER ONLY THE NEGLIGENCE shown by your employeeI DO NOT accept your fake apologyWe do apologize for any inconvenience or miscommunication surrounding this matterExplain WHY the alleged administrative purposes are necessary so they cannot be changed for one customer due to financial reasonsYou need to explain this immediately"Blackout Days are necessary for administrative purposes." The only thing you did you right which does not say much for your companyTry againGateway had mailed a DDC form to the complainant for completion Gateway can accept a properly executed (signed & scanned) copy of this form in accordance with our policies and proceduresI will await your reply [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 this complaint, Gateway has conducted an investigation into the matter raised by the complainant Upon examination, Gateway has concluded that the complainant’s telephone number was entered as a contact telephone number for a customer of Gateway due to a dataentry error Gateway has since removed the telephone number as a valid contact number and calls to such telephone number has ceased.We apologize for any inconvenience caused by these telephone calls We trust this addresses the complainant’s concerns