GO Financial

Good Morning, 
Attached is a response to our customer.
 
Thank you

Have a great Holiday!

Good Morning, 
Attached, is our response to Ms. [redacted]

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

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

April 9, 2015

Revdex.comPh. [redacted]Fax [redacted]  RE:     ComplaintNo. [redacted]
DearSir or Madam: Thank you for bringing this...

matter to our attention. We appreciate the opportunity to address our customer’s concerns. On November 6, 2015, our customer entered into a Retail Installment Sale Contractwith Super Auto Haus for the purchase of a 2005 Kia Sorento.  [redacted] accepted assignment of thecustomer’s contract from the dealer and [redacted] is currently financing thecustomer’s vehicle purchase. On April 10, 2015, we contacted our customer and reached an amicable resolution. As a good will gesture, [redacted] offered the following resolution:
Settlement for customer to pay 15% of the outstanding account balance Credit bureau will show settlement paid in full Settlementoffer expires on July 10, 2015.[redacted] thanks the Revdex.com for their ongoingsupport. Should you have any questions or concerns, please contact us bycalling us at [redacted]. Sincerely, Customer Service

June 29, 2016Marie Garcia Revdex.comPh. ###-###-####Fax ###-###-####  RE: Complaint No.   [redacted]       [redacted] Dear Ms. Garcia: Thank you for bringing this matter to our attention.  We appreciate the opportunity to address our customer’s concerns.On August 27, 2014, our customer entered into a Retail Installment Sales Contract with Carvana for the purchase of a 2012 Lexus HS 250H. GO Financial accepted assignment of the customer’s contract. On June 28, 2016, GO Financial spoke with our customer and we are working toward an amicable resolution, where we are still offering our customer the option to settle her account balance. In our offer, we will agree to change the status of our trade line on our customer’s credit history. Once the settlement offer is agreed upon and paid by our customer, we will report to all three (3) major credit bureau reporting agencies that her account is “settle-charge off”. Go Financial thanks the Revdex.com for its ongoing support.  Should you have any questions or concerns, please contact Customer Relation at ###-###-####.Sincerely, Denise C[redacted] GO Financial Customer Relation Specialist  Direct Line: ###-###-####Fax: ###-###-####

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]Sincerely,Go CreditCustomer Relations

6/30/16 I have had nothing but problems from day #1 with these stupid people!! I do love the truck but trying to pay them is a GIANT PAIN IN THE [redacted]! I have NEVER EVER been late to pay for a vehicle but now all I have is a problem!! No wonder they are going out of business!! I tried to pay this on line and thought that was it (NOPE), They said my bank account # and routing # were wrong, so I went to WELLS FARGO and did bill pay, WELL......... (NOPE) they did not get that for 12 fricken days!! So I went to the dealer and he called them and mind yo I am sitting right there! and they gave him the fricken run around. How hard is to Pay your damn bill?????????? Yes I am pissed off and tired of this crap. So you people need to get off your [redacted] and do something!! I just now did the online thing again and I am sitting right in front of my banker RIGHT NOW with the correct routing # and bank account # and if you can't get this [redacted] right this time you will and I mean WILL be speaking to a Lawyer!! Do you UNDERSTAND THAT??????

9/15/2015Karina RodesnoRevdex.comPh. ###-###-####Fax ###-###-####  RE: Complaint No. [redacted]Dear Ms. Rodesno: Thank you for bringing this matter to our...

attention.  We appreciate the opportunity to address our customer’s concerns.On March 18, 2015, our customer entered into a Retail Installment Sales Contract with Carvana for purchase of a 2010 Chevrolet Malibu. GO Financial is currently servicing the loan. October 2014, GO Financial suspended credit reporting for all customers to allow for enhancements within our credit reporting processes.  Credit Reporting is a complex area that must be handled carefully to ensure the integrity and accuracy of data that we are reporting to the credit reporting agencies. Credit reporting resumed in May 2015 for customers who had not filed for bankruptcy prior to their vehicle purchase. Our systems required additional enhancements to ensure accuracy in reporting trade lines for those customers who had filed bankruptcy prior to their vehicle purchase.  GO Financial has continued to place focus on enhancing our credit reporting processes for all customer accounts, and we are pleased to inform that we have begun reporting to all three major credit reporting agencies. Additionally, we have verified that our customer’s account will be included in the next file delivery to the three major credit bureaus, and our customer’s credit bureau will reflect their exemplary payment history.GO Financial has mailed a credit rating letter to our customer so they can provide to potential creditors. We strongly encourage our customer to keep a copy for their records. We apologize for any inconvenience our system enhancements have caused for our customer.  It was crucial that GO Financial completed these system enhancements in order to ensure integrity in our credit reporting data.  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

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

First off this skeptical loan company definitely seems like they're a scam. When I first purchased my vehicle for the first time and signed the contract no where in there does it state there would be a daily interest rate. I added all the numbers up including my payments, apr and they're all off. So I sat here wondering who this "bank" really is. Looking at all the negative reviews and now knowing how crappy this loan company is I would've never purchased my vehicle under this loaning company in the first place. Taking my money like Thiefs. "Daily interest" should be illegal. I'm openly looking to sue this company.

Thank you for bringing this matter to our attention.  We appreciate the opportunity to address our customer’s concerns.A second account was opened in error under our customer’s name. We have been in communication with our customer and we are taking expedited steps to delete the erroneously...

duplicated account from our customer’s credit bureau history.  We have submitted a request to the 3 major credit reporting agencies to delete the duplicated trade line.  Please allow 30-60 days for this update to appear on our customer’s credit history. We sincerely apologize to our customer for this error and we look forward to continuing our business relationship. GO Financial thanks the Revdex.com for its ongoing support. Should you have any questions or concerns, please contact us by calling us at [redacted] Sincerely, GO Financial

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 is fiction. The response mentions one specific phone call, and makes no mention of the 24 other phone calls, emails and letters that I received to collect this "late" payment. On 8/21/2015, I received a call from Go Financial, and guess what? They "found" the checks that I had sent them. They had them the whole time, just as I had said. The response states that the checks were being mailed to an incorrect address, but the address that they were mailed to is still (at this very minute) prominently displayed on their website, with no mention of the "new" address mentioned in the response. 
The response says that as a goodwill gesture they are waiving the late fee, and makes no mention that I was never late with a payment. Ever.
Here is the real nature of my complaint - The company has no contact points for resolving resolutions. They report that they have no email address to send proof of payment. They stubbornly refuse to look at any situation with an open mind. Their own website list the address that they describe as the 'wrong" address in their response. When I was on the phone with various representatives and supervisors (They called or wrote to me EVERY SINGLE DAY!) I explained that I had mailed payment and had proof that the payments were in their possession.  They repeatedly told me that I could only resolve the issue by making a direct payment with them over the phone at a premium cost. I offered to email proof that the check was in their hands, and the responded by telling me that they do not have email. After 20 calls (I am NOT exaggerating - I have phone records to prove this) I finally got an email address, and was told to send my entire bank statement for research. My entire bank statement. That is beyond ridiculous. I did it anyway and got no response other than the daily calls demanding that I make a payment over the phone.
The caller on 8/21/15 confirmed that they had the checks the whole time and wanted to know how I wanted the credits applied. Nothing was ever missing.
I would not consider this issue resolved until 2 things happen:
1. The company has an email address where their unfortunate customers can submit proof of payment and a person actually looks at the email.
2. The company creates a better way to research issues without demanding that the customers' entire bank statement be turned over.
I don't want their gift card or their inaccurate response. I want them to create a resolution system that allows for 2-way communication, instead of daily 1-way accusations. There must be an appropriate system for resolutions. 

Regards,

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

I appreciate that many of the dates provided from Go Financial are accurate, unfortunately they are missing some dates and facts.  The initial request for a transfer of tags came from the State of Fl in August of 2015.  I know this to be true since my husband requested his transfer...

of tags at the same time as me, he is also with Go Financial.  We had to re send the request in November, because Go Financial never responded to the initial request.  The claim, or implication that Go Financial was somehow unaware that the State of Florida required actual physical title is false, since they were able to properly process my husbands tile immediately.  I also cannot imagine that I am the first tile they ever processed in the state of FL, and with my husbands title process I actually know that I am not.  The statement that I did not contact Go Financial until May is accurate, the part that Go Financial left out is that my husband Jeffrey White had been contacting them for months to resolve the problem.  He, ultimately getting frustrated, asked me that I take over the process since, in fact the loan is in my name and I may have more success.  At that point I had been paying for a car without license plates for 8 months (or 6 months according to Go Financial records).  As Go Financial states, although with many excuses, I had to call for three months to find out where the title was.  Each time I was told it was being ordered an it would take 2-3 weeks, as you can see from their records I gave them a month each time.  Each time I was given the response, "we don't see a request was made for the tile, we are sorry, we will order it now."  And here I am a YEAR later still with no title.  It makes no difference to me why they haven't gotten me the tile,   I still don't have it.  I am paying for a car that I cannot drive.  Could I say, sorry I missed a payment, I got a new accounting system?  No, I could not, it is not an acceptable excuse for me and neither is it for Go Financial.  Also, how is this an "unforeseen error" when I have been calling about it for months.  You have, yourself, said you knew about this for at least 3 months.

They have been outstanding in servicing my loan! I purchased my car through Carvana and they are the preferred lender for Carvana! I have a beacon of 800 and GO actually beat my bank and credit union on finance rates by 2 points! I am very happy with GO!

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: ###-###-####

March 11, 2016Marie Garcia Revdex.comPh. ###-###-####Fax ###-###-####  RE: Complaint No.   [redacted]       [redacted] Dear Ms. Garcia: Thank you for bringing this matter to our...

attention.  We appreciate the opportunity to address our customer’s concerns.On August 27, 2014, our customer entered into a Retail Installment Sales Contract with Carvana for the purchase of a 2012 Lexus HS 250H. GO Financial accepted assignment of the customer’s contract. On March 10, 2016, GO Financial spoke with our customer and we are working toward an amicable resolution, where we are offering our customer the option to settle her account balance. In our offer, we will agree to change the status of our trade line on our customer’s credit history. Once the settlement offer is agreed upon and paid by our customer, we will report to all three (3) major credit bureau reporting agencies that her account is “settle-charge off”. Go Financial thanks the Revdex.com for its ongoing support.  Should you have any questions or concerns, please contact Customer Relation at ###-###-####.Sincerely, Denise C[redacted] GO Financial Customer Relation Specialist  Direct Line: ###-###-####Fax: ###-###-####

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.Other than a phone call stating that they were made aware a complaint that we filed with the Revdex.com we have received nothing showing this issue was resolved.  We requested an account statement IN WRITING, both through this complaint as well as on the phone showing the payments applied as well as the additional principle, and have never received anything.  Since this was not a one time issue, but instead a repeat issue we would like to ensure this is handled correctly.  They seem to not understand this.  The last thing we want is more phone calls with repeated apologies, only to have it happen again.  We are again requesting an account statement showing the resolution and the up to date account information.  We were not asking for an apology we would like to see the account information in writing.

Regards,[redacted]