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Gateway One Lending & Finance LLC

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Gateway One Lending & Finance LLC Reviews (217)

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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,
*** ***

Dear Mr***, 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 rebuttal to our initial response regarding your concerns, you provide additional information that Gateway believes has adequately been addressed in our initial response. Please note that even though your payments are received on the 10th of each month, the number of days between your payments vary due to the number of days within a particular month. We have verified your monthly payments are correctly allocated between interest and principal reduction

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. Gateway’s records do indicate that complainant attempted to schedule a payment via Gateway’s website on March 14, 2015. Unfortunately, due to an error in entering the bank account number from which the payment was to be made, the payment was unable to be processed. Gateway appreciates complainant’s diligence in making payments timely and for bringing this matter to Gateway’s attention.Currently, Gateway does not have a process to automatically alert a customer if their attempt to make a payment via Gateway’s website is unsuccessful The intent, however, is not to create adelinquency. This matter has been brought to the attention of Gateway’s Loan Servicing Department management. Please note that Gateway does offer customers the ability to establish recurring payments via its website rather than scheduling single payments which may reduce the possibility of error in the future. We trust this addresses the complainant’s concerns

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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,
*** ***

Dear Ms***+ 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
You indicate that a prior lease obligation was to be paid off as a result of your purchase transaction with Sterling (“Dealer”), but has yet to occur after an extended period of time. As you were informed by our Gateway representatives, it is the responsibility of the dealer to pay off any prior lease obligationHowever, Gateway has contacted Sterling to inquire about this matter and have been informed by the dealer that they are aware of this issue and the delay was caused by an error in the paperwork they submitted to satisfy your prior lease obligation with KiaAt the time of this review, it is our understanding this issue will be resolved shortly and we thank you for your patience during the resolution of this matterHowever, if this matter is not resolved within a reasonable time period, please feel free to contact us for additional follow-upThank you for bringing this matter to our attention and the opportunity to assist you

Dear Ms***, 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
You indicate in your complaint that you filed chapter bankruptcy and your Gateway loan was not included in the bankruptcy plan and you were to pay your loan outside the planYou indicate you believe you have fulfilled your loan obligation and the terms of your loan have changed due to a charge-off on your account and a payment history you obtained indicated a principal balance of zero. Due to your bankruptcy filing Gateway is obligated to review your account to determine the likelihood of repayment, even if you loan was not included the bankruptcyAs a result of this review, a portion of your loan was charged-offThis charge-off is only an internal accounting transactionYou are still obligated to fulfill the terms of your retail installment contractYou have not paid off your loan. Unfortunately the charged off amount was reflected in the payment history you obtained, which made it appear a different balance was dueIt is our understanding that your attorney representing you in your bankruptcy filing contacted Gateway’s bankruptcy group and obtained a corrected version of the payment history on your accountYou have not received account statements and future statements will not be forthcoming on your as long as you are protected under your bankruptcy filingIf you wish to obtain a payment history, please contact our bankruptcy group As indicated above you have not paid off your loan; therefore, per your request, Gateway will not release title to your vehicle

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

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 complainantWe
apologize that complainant was not satisfied with complainant’s experience with Gateway representatives in the handling of the account in question. As noted in the complaint, Gateway was first made aware that complaint’s vehicle, of which Gateway is a secured party, was involved in an accident and deemed a total loss on or about October 29, 2015. Gateway provided a payoff quote at that timeThe insurance proceeds check that was ultimately received from complainant’s insurance company was less than the payoff quoted. Therefore, Gateway attempted to contact the insurance company on multiple occasions to determine the reason for the discrepancy and request a breakdown of the insurance proceeds check. Upon receipt of the breakdown, Gateway confirmed that all options on the vehicle were accounted for and applied the insurance proceeds check to complainant’s account on November 30, 2015. With respect to warranty refund referenced by the complainant, Gateway contacted the warranty company on November 11, to request cancellation of the warranty product and a corresponding refund. The warranty cancellation refund was received on November 30, and applied to complainant’s account at that timeWith respect to the GAP claim, Gateway submitted its initial request to the GAP administrator on November 9, 2015. In addition, Gateway provided a payment history to the GAP administrator on November 24, 2015. Gateway received the GAP claim check on December 10, and applied it to complainant’s account at that time. In order to address the complainant’s concerns with respect to any potential delays associated with processing complainant’s claims with respect to the primary insurance, cancellation of the warranty product, and GAP, Gateway will waive any accrued interest associated with complainant’s account from the date of loss. Please note that the above payments were all applied to reduce the principal balance. We request complainant contact a Gateway Customer Care Specialist at *** to find out the remaining principal balance associated with complainant’s account. In addition, Gateway will remove any derogatory reporting about complainant’s account after the date of loss. We trust this addresses complainant’s concerns

Dear Ms***, 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. You indicate in your complaint that Gateway pulled your credit on May 18, without
your consentUnfortunately, Gateway is unable to locate a record of a credit inquiry made with your name or address information provided Please provide supporting documentation that an inquiry was made and the last four numbers of your social security number, so we can conduct further investigation into this matter. Thank you for your patience regarding this matter

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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,
*** ***

Customer Information*** *** (Complaint ID ***)** *** ***
*** ** ***Daytime Phone: ###-###-####Email: ***.***@gmail.comAccount No: 2*** Gateway One Lending & Finance, LLC (“Gateway”) strives to provide service in aprofessional and courteous
manner in compliance with all applicable federal andstate laws. In response to this complaint, Gateway has conducted aninvestigation into the matter raised by the consumer Please be advised that the insurance check referenced by thecustomer was received by Gateway on November 14, and applied to theaccount that day. The account is now deemed paid in full. The titleassociated with the motor vehicle in question will be released in accordancewith Gateway’s policy. We trust thisaddresses complainant’s concerns

Dear *** ***, 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 In your complaint you express frustration in attempting to change your vehicle’s title and the fees that required processing your requestGateway has received the title maintenance request via Fax and will be processed as soon as the Florida paper title is received. Please allow sufficient time for your request to be processedPlease contact Gateway at (888) if your vehicle title has not been transferred in 3-weeks. We apologize for any inconvenience this situation may have caused you

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. As noted
in the complaint, complainant’s motor vehicle, of which Gateway is the
lienholder, was involved in an accident and deemed a total loss by complainant’s
primary insurance company. Gateway has
been in communication with complainant’s insurance company to determine the
settlement amount. After receipt of the
initial settlement amount determined by the insurance company and review of the
valuation of the motor vehicle, Gateway requested that the insurance company
re-evaluate the settlement amount. After
re-evaluation by the insurance company, Gateway agreed to the settlement amount. The insurance proceeds were received on
November 25, and will be applied to complainant’s account.With
respect to the payment in the amount of $1,404.66, it was the result of
cancellation of the service warranty initially purchased by the complainant reflected
in the retail installment contract evidencing the purchase of the subject motor
vehicle. The contract in question states
as follows: “You [complainant] give us [Gateway] a security interest in: All insurance, maintenance, service or other
contracts we finance for your; and All proceeds from insurance, maintenance,
service other contracts we finance for you. This includes any refunds of premiums or charges from the contract.” Therefore, Gateway, as the secured party,
cancelled the service warranty reflected on the contract and applied the refund
to complainant’s account. Since
the complainant also purchased a GAP product, Gateway has submitted information
to the GAP administrator to advise of the total loss and is currently awaiting
a response. In the interim, Gateway has
ceased any further reporting of complainant’s account to credit reporting
agencies until GAP proceeds are received and applied to the account. We trust
this addresses complainant’s concerns

Dear Mr***, 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 state you were working with *** Chevrolet (“Dealer”) located in Tazewell,
Virginia seeking a potential auto purchase, but did not provide the Dealer permission to make an inquiry into your creditYou request the inquiry be removed as it was not authorized. Please note that Gateway is an indirect consumer automobile sales finance company. As such it receives credit application information from motor vehicle dealerships on behalf of consumers seeking to finance their purchase of a motor vehicleGateway received credit application information from Dealer on May 4, and an inquiry into your credit was made. Gateway has contacted the Dealer to obtain documentation to support the credit application, but has not received. Therefore, Gateway will submit an inquiry suppression request to the credit reporting agency in which the inquiry was made (***)Please allow sufficient time for this item to reflect in your credit record We trust this addresses your 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. Gateway’s records do reflect receipt of payments in the amount of $each on 1/22/15. Complainant contacted Gateway on 1/24/to advise that one of the payments was made in error and requested return of $ In order to process this request, Gateway requested a copy of complainant’s rolling bank statement toensure that the payment cleared and to ensure that the transaction was not in the process of being reversed. Gateway did not initially receive such documentation.Gateway has since processed complainant’s request and returned complainant’s payment of $318.66. We trust this satisfies 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
Complainant indicates they believe they are a victim of fraud as a result of being contacted by Gateway and requests an explanation why they were contacted, as they do not have an account relationship with Gateway and request Gateway refrain from future contacts In an effort to locate a customer of Gateway, research was conducted on the Gateway customer to identify potential contactsTherefore, complainant was contacted in an effort to locate the customer onlyNo private information of the complainant is maintained, used or obtained in this processGateway will not contact complainant, and have noted its records accordingly We trust this addresses complainant’s concerns.Tell us why here

Dear *** ***r, 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. We regret that our response to your prior complaint did not satisfy your concernsWe have reviewed the matter furtherA title was mailed as described in our previous responseHowever, our title service vendor that Gateway utilizes appears to have sent the title to an incorrect PO Box numberGateway has not received return mail as expectedWe apologize for any inconvenience this matter has caused To assist you further in obtaining Title to your vehicle, Gateway has sent you, via regular mail, a Lien Release letterThis letter is one document that is required from the DMV to obtain clear TitleWe advise you to contact the DMV to understand any additional documentation requirements needed to apply for a clear TitleTo obtain your Title, you will need to provide this Lien Release letter to your local DMV with any other DMV required documents to obtain a clear TitlePlease be advised that DMV fees may apply. We trust this addresses your concerns regarding this matter

Dear *** ***, 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 You state you have not received any response in the mail from Gateway One Lending & Finance (“Gateway”) with regards to your credit inquiry dispute. As per your attachment, Gateway has responded to you on 01/05/advising you that have been unable to locate any information in our system, with only your name and address and requested from you further specific information in order to conduct a more thorough investigation into the matter Please note that Gateway is an indirect consumer automobile sales finance company. As such it receives credit application information from motor vehicle dealerships on behalf of consumers seeking to finance their purchase of a motor vehicle. After additional review we identified Gateway received credit application information on February 4, in your name from a motor vehicle dealership, E-Z Auto Finance Inc(“Dealer”), located in Marietta, GeorgiaThe credit application was not approved, and no extension of credit resulted from this activity Gateway has contacted the dealership in order to obtain a copy of the credit application; however, as we are unable to obtain a physical copy of the credit application, we have submitted a request to the credit reporting agency(s) to which the inquiry in question was made to seek suppression of the inquiry resulting from this activityPlease allow sufficient time for this change to take effect

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
Please note that Gateway is an indirect consumer automobile sales finance company. As such it receives credit applications from motor vehicle dealerships on behalf of consumers seeking to finance their purchase of a motor vehicle. Gateway takes assignment of certain retail installment contracts evidencing the purchase and financing of a motor vehicle by consumers. Gateway relies upon the motor vehicle dealerships to submit the appropriate documentation to the appropriate state agency, in this case the *** *** ** *** *** (“** BMV”), in order to perfect the Gateway’s and complainant’s interest in the vehicle as well as any required registration.The motor vehicle dealership provided a copy of the Application for Certificate of Title to a Motor Vehicle identifying complainant as the owner and Gateway as the lienholder of the vehicle that complainant purchased. Gateway has checked ** BMV records which indicate that the certificate of title was issued on December 8, 2015. Gateway’s records indicate that Gateway received the certificate of title on December 18, 2015. Gateway is currently in the process of contacting the ** BMV in order to determine status of the registration associated with the motor vehicle. Gateway requests the complainant contact the motor vehicle dealer from whom the purchase was made in order to seek the status of the registration as well

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Address: 160 N Riverview Dr #100, Anaheim, California, United States, 92808

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