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GO Financial Reviews (169)

(Full response on attached)On April 8, 2017, our customer entered into a Retail Installment Contract (Contract) when he purchased a 2016 Kia Soul from Carvana. The Contract was subsequently assigned to GO Financial. At the time of purchase, our customer agreed to make 71 monthly payments of...

$318 beginning on May 8, 2017, with one final payment of $290.64. Our customer had a regularly scheduled payment due on September 8, 2017. As this payment was not satisfied, the account entered into a default status. Subsequently, GO Financial began attempts to reach our customer to discuss the delinquency. Our customer contacted GO Financial on January 11, 2018, to discuss the status of the account. We advised him that the account is 95 days past due for $1,332 and that the vehicle is under review for recovery. Our customer advised that he would be able to make a payment on the following Tuesday, January 15. He was advised that he would need to cure the delinquent balance to cancel the potential recovery of the vehicle. GO Financial informed our customer that this payment would need to be made using a debit or credit card. Our customer advised he would need to review his finances and contact us back. No payment was received on January 15.On January 12, 2018, at 96 days past due, GO Financial assigned the vehicle for recovery through a third party vendor. Between then and February 6, 2018, GO Financial made several unsuccessful attempts to reach our customer. On February 6, our customer visited GO Financial’s website and scheduled a post-dated payment, in the amount of $1,337, to be processed on February 21, 2018. This scheduled payment was not set up with a representative of GO Financial nor did it cancel the recovery assignment as the account remained severely past due. Additionally, our customer did not contact GO Financial until February 7, 2018, when the vehicle was reported as recovered by the vendor.

I was not delinquent when I called and made my payment in. November and set my payments up with DAVID! I at that time WAS eligible for the deferral and he recommended me not to do so to make payments. Had I not went on the advice of your employee and continued making my payments as I was, no later than 30 days my acct would NOT BE REPORTED DELINQUENT. Your employee specifically stated that I should be fine when I made my payment...as he said...it was past when they report it. Your employee knowingly set me up with payments that had I not taken the advice from GO FINANCIAL and made my payments as I was, I would never be in this predicament. Lying to your customers and telling them that making their payments with them and seeing with my payment history, I was never at any risk until taking his advice. Had he set me up with the deferral payment as I originally requested and was eligible for...this problem also would not be an issue. Because of the payments it not only made me more behind but then ineligible. What company makes your acct worse? I am very aware of how credit works so do not insult my intelligence. I obviously knew to pay by day 30 and I was fine up until listening to your incompetent company's advice. Your employee told me it would be fine. Did you not listen to the recorded phone calls. I was specifically concerned that my credit was not affected by any payment arrangements. He not once said it was at risk, and like I said he specifically said...its past the part of the month they report it anyhow! It should be fine. Is that how you run your financial business, lying to people regardless of what they are concerned about. I want this deleted! Plain and simple! Had I not taken the advice of your company and I continued making my payments as I had been, my acct would NEVER been at any risk at being reported. PERIOD! This is not acceptable at all.

Hello,Attached is our response for [redacted] with a copy of the contract and VSC.thank you,[redacted]

December 16, 2016Conciliation & Engagement SpecialistRevdex.comPh. (602) 212-2207Fax (602) 263-0997RE:     Complaint No.   11855577Dear Marie Garcia:Thank you for bringing this matter to our attention.  We appreciate the opportunity to address ourcustomer’s...

concerns.On October 10, 2015, our customer entered into a Retail Installment Contract with Diamond Auto Sales, for the purchase of a 2010 Dodge Avenger.  GO Financial is the servicer of our customer’s contract. Attached you will find the Retail Installment Contract and Security Agreement, for your reference.At the time of sale, our customer agreed to make 42 payments of $371.08 and one final payment of $370.56, beginning November 14, 2015.On October 27, 2016, our customer contacted GO Financial requesting a modification due to a financial hardship she had experienced. Our customer advised that she was out of work for 6 months, but had recently regained employment. In order to be eligible for a modification, our customers need to be out of their financial hardship. Our customer qualified and a loan modification was approved. Our customer’s new scheduled payoff date is July 14, 2019. Loan extensions are contract modifications that allow past due payments to be moved to the end of the loan, bringing the account back to a current status; however, as this is a Simple Interest loan, interest still accrues.On December 6, 2016, GO Financial contacted our customer regarding the remaining balance on the account. We advised that in a simple interest loan, interest is charged per day, on the remaining financed balance. Each payment made would first apply towards the amount of daily interest accrued. Any additional amount paid would then be applied to the principal balance of the loan. We explained to our customer that making a late payment causes more of the payment to be applied towards interest instead of principle balance.Our customer has an extensive payment history showing the loan has been 31 days past due two times, 20 days past due two times, 10 days past due three times, and 5 days past due five times. Our customer inquired if GO Financial can refinance her loan, lower APR or lower monthly payments.  We advised our customer that we are unable to refinance loans. We encouraged our customer to seek a third party financial institution to refinance her loan.On December 16, 2016, GO Financial contacted our customer again concerning her balance.  Our customer had concerns that the balance was not decreasing.  Again, we explained that this is a Simple Interest loan and that the payment will be applied to the interest first and any remaining amount will be applied towards the principal balance.  Our customer asked if the full payment could be applied towards the principal balance only.  We advised her that per the terms of the signed Contract, we are unable to accommodate her request to apply the full payment towards the principal only.We apologize for any confusion this may have caused our customer. As a goodwill gesture, GO Financial will credit our customer’s account $25.00.GO Financial thanks the Revdex.com for its ongoing support. Should you have any questions or concerns, please contact us by calling us at 877-235-9900.Sincerely, Denise C[redacted]Customer Relations Specialist

There customer service told me on more than one occasion after they confirmed with the dealer that I traded the car in that it will not affect my credit. This response is not stating all the fact.

Marie Garcia Revdex.com Ph. ###-###-####FAX ###-###-####RE: Complaint No.  [redacted]Dear Ms. Garcia: Thank you for bringing this matter to our attention.  We appreciate the opportunity to address our customer’s concerns. On March 18, 2014 our customer entered into a Retail Installment Sales Contract with Carvana for purchase of a 2010 Chevrolet Malibu.  GO Financial is currently servicing the customer’s loan. We conducted a review of how our trade line is reporting on our customer’s credit report through the three major credit bureau reporting agencies. We confirmed that we are reporting our customer’s actual loan origination date of March 2014. We understand the importance of building and maintaining a good credit score. We also understand the importance of accurately reporting credit activity.  It is very important to GO Financial that we help our customers with their goals of building a positive credit history. Unfortunately, we have no knowledge over the complex mathematical model that is used by the credit bureaus to determine a consumer credit score.  We are also unable to control how trade lines from companies outside of GO Financial report to our customer’s credit history.  GO Financial will always take every step necessary to ensure our trade line is reporting to our customers credit histories accurately. GO Financial thanks the Revdex.com for its ongoing support. Should you have any questions or concerns, please contact us by calling us at ###-###-####.  Sincerely, [redacted] GO Financial Customer Service Resolution Specialist Direct Line: ###-###-####Fax: ###-###-####

December 18, 2014  Britnee Glass Revdex.comPh. ###-###-####Fax ###-###-####Re: Complaint # [redacted] Dear Ms. Glass: Thank you for bringing this matter to our attention. We appreciate the opportunity to address these concerns.  We are currently working with our...

customer to come to anamicable resolution.  Go Credit thanks the Revdex.com for theirongoing support. Should you have any questions or concerns, please contact usby calling us at ###-###-####. Sincerely,  Go Credit Customer Relations

Revdex.com:
To date I have not received any communications from Go Credit via email or in writing with regard to resolving this case. However, I am still receiving phone call from this business - up to 5-10 in a 24 hour period and one email which I have attached stating that they would not communicate with me via email and apparently in writing. I am therefore requesting that the debt be completely forgiven.
Good Afternoon


Thank you for your recent communication. In order to protect your confidential information, we are unable to discuss account information via electronic mail. The best way to ensure that you are communicating with GO Financial is by phone during normal business hours. Please contact us at ([redacted]) [redacted] today and we will be happy to assist you. Thank you, and we look forward to hearing from you before the close of business today.



Customer Service
Phone number [redacted]- [redacted] -[redacted]
Fax number [redacted]
Regards,[redacted]

(Please see attached for full response)On January 25, 2016, GO sent our customer a Redemption and Reinstatement Form; notifying our customer that the vehicle was recovered and outlining her options to redeem or reinstate the loan. According to page two (2) of the notice, under Notice of Sale, it...

states: The vehicle described above will be sold at private sale at any time 10 days after the Date of Notice shown above unless the vehicle has been REDEEMED of the contract has been REINSTATED…If the vehicle is not redeemed or the contract is not reinstated within the time period stated above, we will dispose of the vehicle. Additionally, the notice provided the full address and phone number of the auction where the vehicle was located. A copy of this notice is attached for your reference. On March 1, 2016, the vehicle was sold at auction. The proceeds were applied towards the remaining balance owed on the account. GO then sent our customer an Explanation of Calculation of Surplus or Deficiency letter, attached for your reference. This letter provides a breakdown of the remaining deficiency balance owed, including applicable fees.On June 28, 2017, our customer contacted GO to inquire what her next steps were or to see if she would be able to obtain possession of the vehicle again. GO explained the vehicle had been sold and provided the remaining deficiency balance owed.  We have reviewed our customer’s trade line with all three (3) major credit reporting agencies and have verified we are reporting accurately. The amount reported to the credit bureaus is the remaining principal balance without fees; currently $3,754.89. We are unable to accommodate our customer’s request to delete her trade line. On July 7, 2017, GO reached out to our customer to discuss her concerns and relayed the above information. The call ended on amicable terms.

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 until for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

7/16/2015 Karina Rodesno Revdex.com Ph. ###-###-#### Fax ###-###-####    RE:     Complaint No. [redacted]             [redacted]   Dear Ms. Rodesno:   Thank you for bringing this matter to our...

attention.  We appreciate the opportunity to address our customer’s concerns.   On January 20, 2014 our customer purchased his vehicle through Carvana and GO Financial is currently servicing the loan.   On July 22, 2015 a loan advisor contacted our customer to advise them we had not yet received their regularly scheduled payment for the month of July. Our customer advised the loan adviser that they make their payments through the bill pay services provided by their bank, and we should be receiving payment in a few days. On August 10, 2015 a loan adviser spoke with the customer’s bank who advised us that they had sent the payment to the incorrect payment address. We then received our customer’s payment on August 10, 2015.   In April of 2014 GO Financial updated our payment address and informed all of our customers of the change through their monthly payment statements.       GO Financial will apply a $5.00 late fee to an account when a payment becomes 15 days past due. However, we will not report to the credit bureau a late payment until the account goes 31 days past due. Our customer’s account has never fallen 31 days past due, therefore no late payments will be reported to our customer’s credit bureau.   As a onetime courtesy GO Financial will waive the $5.00 fee that was applied and as a goodwill gesture, GO Financial is sending our customer a $25.00 [redacted] Gift Card.    GO Financial thanks the Revdex.com for its ongoing support. Should you have any questions or concerns, please contact us by calling us at ###-###-####.   Sincerely,   GO Financial

Hello,Attached is a copy of our response. Thank you,[redacted]

September 21, 2016Marie GarciaRevdex.comPh. (602) 212-2207Fax (602) 263-0997 RE: Complaint No.[redacted]Dear Ms. Garcia: Thank you for bringing this matter to our attention.  We appreciate the opportunity to address our customer’s concerns.On March 27, 2016 our customer...

entered into a Retail Installment Sales Contract with Carvana for the purchase of a 2005 Ford Expedition.  GO Financial is the servicer of our customer’s contract. At the time of purchase, our customer agreed to make 31 monthly payments of $292.96, beginning April 26, 2015.On June 29, 2015, our customer’s account became past due and was not brought current again. On November 30, 2015, at 96 days past due, our customer’s account charged off due to non-payment. At this time,  GO Financial would like to offer the following resolution: • Waive the deficiency balance of $5,805.24• Delete our customer’s credit reporting from all three (3) major credit reporting agencies. We have made several attempts to contact our customer to advise him of our offer of assistance, but have been unsuccessful.  On September 19, 2016, GO Financial sent a letter to our customer outlining the deletion of our customer’s trade line with the three major credit reporting agencies. Please allow 30-60 days for this update to reflect. We appreciate our customer’s patience in working with GO Financial through this situation.  As a goodwill gesture, GO Financial has mailed our customer a $25.00 American Express Gift Card. GO Financial thanks the Revdex.com for its ongoing support. Should you have any questions or concerns, please contact us by calling us at 877-235-9900. Sincerely,  Denise C. GO Financial Customer Service Resolution Specialist

Thank you for bringing this matter to our attention. We appreciate the opportunity to address these concerns.We are currently working with [redacted] to come to an amicable resolution.Go Credit thanks The Revdex.com for their ongoing support. Should you have any questions or...

concerns, please contact us by calling us a[redacted]-[redacted]-[redacted]Sincerely,Go CreditCustomer Relations

The scenario explained in the response from Go Financial is in no way what happened. I informed Ms [redacted] that a representative of Go financial promised me that that the arrangement we made would keep me from incurring a 30 day late. I asked Ms [redacted] to listen to the phone call. She said she would listen to the phone call and give me a call back. I have tried to contact Ms [redacted] for the last two(2) days but to my knowledge she has not returned my phone calls.  This is yet another broken promise by Go Financial.  This  lack of communication form Go Financial is a testament of the qualify of Service Go Financial provides.  I urge the Revdex.com of Arizona to no allow this issue to be resolved without action form Go Financial.  I also reject the 25 Dollar Give card promised by Go Financial. My conformity is not for sale.

On June 14, 2017, the vehicle was successfully recovered. GO reached out to our customer to explain our customer’s option to reinstate the loan. We advised the initial cost to reinstate the loan would be $2,056.66: $450.00 in recovery fees and $1,606.66 for the past due balance. However, we would be...

able to make the exception to allow our customer to reinstate the loan for $1,250.00. We further advised the vehicle could move to auction at any time and is at the discretion of the recovery vendor. If it moves to auction, additional fees to obtain the vehicle may apply. Our customer advised GO he did not want to reinstate the vehicle. We explained he would still be responsible for the deficiency balance and the trade line would be reported as a repossession.Later this same day, our customer contacted GO to inquire what the total remaining owed on the loan was and what the total price of the vehicle was at time of contracting. GO advised the current vehicle payoff is $9,176.82 and provided the amount financed.At this time, we are unable to accommodate our customers request to lower the amount due on the loan or provide compensation. We would like to re-extend our customer’s option to reinstate the loan for $1,250.00. Payment would need to be received no later than June 30, 2017, via certified funds. If no payment is received, or our customer does not wish to reinstate the loan, the vehicle will be sold at auction per normal process.We have made several attempts to contact our customer but have been unsuccessful. On June 21, 2017, we sent a letter via certified mail to our customer address on file. The purpose of this letter is to inform him of our attempts to reach out to him. We encourage our customer to contact our Customer Relations department, at (800) 965-8043, to discuss his concerns.

For full response, please see attached. On July 10, 2017, our customer contacted GO Financial to inquire about having her payments extended to the end of her loan or have her current due date changed to an alternative date. We explained due to the short time in the loan, she would not qualify...

for a payment extension or due date change. Instead, we offered to assist in setting payment arrangements to help bring the account back to a current status. Our customer declined and disconnected the call.    At this time, we have reviewed each of the phone calls which took place between GO Financial and our customer. We have been able to determine that each interaction was handled within GO Financial’s set standards of service and support.   At this time, we have made five outbound calls in an attempt to discuss the status of our customer’s account and inquire about the requested loan deferment. We invite our customer to contact us at her earliest convenience so we can ensure an amicable resolution is reached.  We apologize for any frustration or concern this matter may have caused. Should she have any additional questions or concerns, we encourage her to contact our Customer Relations department at [redacted].

Thank you for bringing this matter to our attention.  We appreciate the opportunity to address our customer’s concerns.On March 5, 2013 our customer entered into a Retail Installment Sales Contract with 1 Stop Autoz LLC for the purchase of a 2006 Lexus.  GO Financial accepted assignment of...

the customer’s contract from the dealer that we were financing the vehicle purchase.  On March 27, 2014 our records show GO Financial deleted the trade line from all (3) major credit bureaus. We received an AUD Control Number: [redacted] verifying all information was submitted to the three major credit agencies.  We verified with all three major bureaus on August 5, 2015 and August 20, 2015 that the trade lines were deleted. At GO Financial, we strive to ensure all of our credit reporting is up-to-date and accurate.We have made several attempts to contact our customer, in regard to having her send us a copy of the documentation she has showing GO Financial is reporting to the (3) major credit agencies.  Once we have this information, we would be more than happy to assist our customer with her concerns.  As of today, the trade lines have been deleted from all (3) major credit agencies. As a goodwill gesture, GO Financial is sending our customer a $25.00 American Express Gift Card.  GO Financial thanks the Revdex.com for its ongoing support. Should you have any questions or concerns, please contact us by calling us at ###-###-####. Sincerely, GO Financial

Later this same day, our customer contacted GO to inquire what the total remaining owed on the loan was and what the total price of the vehicle was at time of contracting. GO advised the current vehicle payoff is $9,176.82 and provided the amount financed.  On June 16, 2017, GO sent our customer a Redemption and Reinstatement Form, attached for your reference. This letter is to notify our customer of the vehicle recovery and outlines the terms to get the vehicle back.  There are two ways our customer can get their vehicle back following recovery: redeem or reinstate. Per the Redemption and Reinstatement form, to redeem our customer would need to pay $9,573.12; breakdown of the fees included on the left side of the letter. This would fully satisfy the loan and allow the title and vehicle to be released to our customer. Alternately, our customer can opt to reinstate the vehicle for the previous exception amount of $1,250.00. This amount is less than the amount outlined in the Redemption and Reinstatement Form as we are willing to make an exception for our customer. This would release the vehicle back to our customer and our customer would continue to make payments towards the loan until the full amount is satisfied. As stated in our previous response, payment would need to be received no later than end of business June 30, 2017, via certified funds. If no payment is received or our customer does not wish to redeem or reinstate the loan, the vehicle will be sold at auction per normal process. Our customer will still be responsible for the remaining principal balance owed.  On June 28, 2017, our customer contacted GO to discuss his concerns. Our customer advised the documents he had were not the same as the documents we are providing. GO explained the above information. We offered for our customer to send the documents in for further review, however, our customer declined and the call was ended.

Attached is a copy of Go Financial's response and the credit rating letter that was sent to Mr. [redacted]:Thank you for bringing this matter to our attention.  We appreciate the opportunity to address our customer’s concerns. On May 10, 2014 our customer entered into a Retail...

Installment Sales Contract with [redacted]. for the purchase of a 2009 Nissan Altima.  GO Financial accepted assignment of the customer’s contract from the dealer and we are currently financing the vehicle purchase.  Prior to the time of sale, our customer had a Chapter 7 bankruptcy that was discharged on February 4th, 2014. In October 2014, GO Financial temporarily ceased and purged all credit reporting to all three major credit bureau agencies. Reporting ceased due to required system enhancements taking place in the manner GO Financial reports to the credit bureaus. We have completed the necessary updates with [redacted] and [redacted]. We are continuing to work diligently to re-establish reporting with [redacted]. At GO Financial, we strive to ensure all of our credit reporting is up-to-date and accurate. At this time, GO Financial has found a resolution to accurately report accounts that have had a previous discharged bankruptcy. We will be reinstating these accounts with [redacted] and [redacted], and once we resume reporting to [redacted], all updates will reflect on the customer’s credit report within 30-60 days. Attached is  a copy of credit rating letter that was mailed to our customer on June 16, 2015. We strongly encourage our customer to keep a copy for his records. We will begin reporting again on his account within the next 60 days. As a goodwill gesture, GO Financial is sending our customer a $25.00 [redacted] Gift Card.   GO Financial thanks the Revdex.com for its ongoing support. Should you have any questions or concerns, please contact us by calling us at ###-###-####. Sincerely, GO Financial Customer Resolution Specialist

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Description: Financing, Loans, Consumer Finance & Loan Companies, Financial Services, Collection Systems, Loan Servicing

Address: 7300 E Hampton Ave Ste 102, Mesa, Arizona, United States, 85209-3324

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