Great American Finance

First I would like to apologize for any inconvenience this matter has caused Ms [redacted] After reviewing the complaint we can appreciate the reason for Ms [redacted] ’s dissatisfaction Our company provides a day grace period after the payment due date Ms [redacted] ’s payment due is on the 3rd of every month Any payment received after the 13th of each of month is considered late and will accrue a late fee of $15.00.The account received two late payments after the day grace periodThe payment for 02/03/was received on 02/17/check#and the payment for 04/03/on 04/15/check#The account was charged a late fee for the late paymentsWe apologize for the misunderstanding and will provide Ms [redacted] her refundThe account will be reported as in Paid in full as of 09/14/

Complaint: [redacted] I am rejecting this response because: I was never offered to have my same as cash offer reinstated if this was offered I would have accepted the offerI have a recording with [redacted] who altered my salary to get the approval amount for the furniture because originally I was only approved for $1,not the credit line which was alteredIn addition, I am requesting the reinstatement of my same as cash offerI never received my coupon booklet as I stated when this account was set up and this is why my payments were made over the phone and onlineI had no idea when payments were due on the account had I known this information my payments would have been received on it before the due dateWhen I signed for the loan the terms and conditions were not explained in there entirety; therefore I feel this is not fair justice to take away my promotion Sincerely, [redacted] ***

Thank you for giving Great American Finance the opportunity to respond to the above complaint Ms [redacted] has a contract with a month term, and a days Same as Cash promotion As stated in the contract which Ms [redacted] signed, under “Payment Options”, if all scheduled payments are paid in full and on time and she pays in full any remaining balance of the Amount Financed within the Payment Option period after deducting all scheduled payments made, no Finance Charge shall apply and the contract will be paid in full Ms [redacted] is liable for the total amount of the loan, until paid in full under the Same as Cash promotional periodThe account will be reported paid in full to all credit bureausAs of 01/15/the payoff amount of Ms [redacted] ’s account is $with a total balance of $ Ms [redacted] ’s Same as Cash promotional period expires on 07/21/This offer shall be void if any installment, or part of any installment, is more than days delinquent times during the term of this loan, then Ms [redacted] will be responsible to pay finance charges according to the terms of the contractIn regards to our available payment options, payments can be mailed to our main officeWe can also set up monthly recurring payments at no cost We recently lowered our processing fee, when a payment is made online or using our automated systemMs [redacted] can reach a representative during the following business hours: 8:00AM – 8:PM CST Monday – Friday 8:00AM – 3:00PM CST Saturday Our offices are closed on Sunday We at Gafco value our customers and strive to improve and make their experience enjoyable

Initial Business Response / [redacted] (1000, 12, 2014/04/25) */ Contact Name and Title: [redacted] Contact Phone: XXX XXX-XXXX Contact Email: [redacted] @gafco.net See attached .PDF file

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meI am accepting this statement at this time only because we will pay off the $within the next days "As of 01/15/the payoff amount of Ms [redacted] ’s account is $with a total balance of $ 1282.60" The figures on the credit report do not indicate a balance $ It clearly shows a higher balance and a higher credit-to-balance ratio that could be damaging my credit score.Sincerely, Amy [redacted]

Initial Business Response / [redacted] (1000, 10, 2014/08/02) */ Contact Name and Title: [redacted] CollectionMgr Contact Phone: XXX XXX-XXXX Contact Email: [redacted] @gafco.net The attached .PDF file contains the response to Revdex.com Case # XXXXXXXX

I would tell a friend about GAFCO

Initial Business Response / [redacted] (1000, 5, 2014/02/19) */ Contact Name and Title: [redacted] Contact Phone: XXX XXX-XXXX Contact Email: [redacted] @gafco.net First GAFCo would like to apologize for any inconvenience we might have caused youYour conversation with Mr [redacted] on January 23, 2014, the agreement was to waive late fee charges caused by your input of the incorrect account numberThat request was submitted to our accounting department on the 23rd The actual adjustment would not take place until after your call on the 31st of JanuaryThe reversals of your late fees have been madeSecondly, our representative should have waived the convenience fee for youIn response , GAFCo will waive the next three $convenience fees if you opt to call your payment inFinally your disappointment in receiving a plus mark on your credit report - That was caused by your error entering the transaction on October 29th (for your October 23rd payment)You did not clear that payment until November 23rd causing your account to fall days contractually past due GAFCo will gladly review your account at a future date to see if that delinquency can be updated Mr [redacted] , GAFCo has never and will never engage in " SHADY PRATICE " we take pride in ensuring quality customer service for the past yearsGoing forward if you should have any further questions, [redacted] will be designated your contact personHis direct number is XXX XXX-XXXX Your complete payment history is attached in .PDF form

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Sincerely, Mark [redacted]

Complaint: ***
I am rejecting this response because:I was never offered to have my same as cash offer reinstated if this was offered I would have accepted the offerI have a recording with *** who altered my salary to get the approval amount for the furniture because originally I was
only approved for $1,not the credit line which was alteredIn addition, I am requesting the reinstatement of my same as cash offerI never received my coupon booklet as I stated when this account was set up and this is why my payments were made over the phone and onlineI had no idea when payments were due on the account had I known this information my payments would have been received on it before the due dateWhen I signed for the loan the terms and conditions were not explained in there entirety; therefore I feel this is not fair justice to take away my promotion
Sincerely,
*** ***

Thank you for giving Great American Finance the opportunity to respond to the above complaintWe would want to this opportunity to apologize to Mr*** .
His account has been submitted and will be closed out. Having completed our investigation, Great American Finance has concluded that the above account was paid on 09/14/There was an accounting error in our part and the account was not closed out properlyGreat American Finance has notified all applicable credit reporting agencies to update their recordsMr*** will be receiving his close out documents, stating that his account was paid in full along with the original contract If Mr*** needs anything else, please ask him to contact Dina ***, Customer Service Manager, at ***

Initial Business Response /* (1000, 7, 2014/03/12) */
Contact Name and Title: *** *** - Collection
Contact Phone: XXX XXX-XXXX
Contact Email: ***@gafco.net
See attachment below

terrible customer service with this companyI financed a couch from Value city furniture through this companywaited over months for the payment bookletI had to call times to inquire about the payment bookWhen it finally came, the first payment was dated for months priorI called in for them to tell me that my first payment was late and that my interest rate of 0% for the first months was no longer valid and that my new interest rate was 24%so at that time I told them I would make the payment in full minus the interest incurredthey mentioned they would removed the interest balance and it was paid offThen months later I go to purchase a house and this is showing as a collections account on my credit because there finance manager did not remove the balanceI called back in and waited an hour to get a manager on the line only for them to tell me that the full balance had to be paidThis company is a LOAN SHARK! Avoid at all cost

My application for a GAF loan was done over the phone and went smoothly and professionallyEven though it was rather late in the day, my representative was polite and friendly...and my load was confirmed by the end of the callI would highly recommend this financial institution and would not hesitate to do business again in the future

They were very patient with me after I left my documents at home and very nice and professional

Initial Business Response /* (1000, 6, 2015/10/14) */
Contact Name and Title: *** ***
Contact Phone: XXX XXX-XXXX
Contact Email: ***@gafco.net
***, *** S
Our Account # XXX-XXXXXX
Complaint # XXXXXXXX
Thanks for the opportunity to respond to the above complaintOn January 20,
*** *** signed an month contract with a same as cash option of daysUnder the terms on the cash option the amount financed plus an acquisition fee of $must be paid within a day period*** *** did pay the amount financed by the expiration date of the same as cash option; however the acquisition fee was not paid within the allotted time periodTo answer the question why no calls were made, it's because the account was in a prepaid statusNot enough paid to close out the account, and the account was not past dueAfter reviewing the account, GAFCo has elected to close the accountThe $paid on September 28th will be returned, minus $to pay the acquisition fee in accordance with the contract termsWe hope that Ms*** finds this agreement satisfactoryA check in the amount of $will go in the mail by Friday the 16th of October

I asked for $but was given $It will help me with what I am trying to doI love the service, customer service is greatThe ladies here are always nice and pleasant

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***

GAFCO granted me a personal loan in less than two hoursPriscilla was very pleasant as well as the front desk agentI would absolutely do business with GAFCo again

First I would like to apologize for any inconvenience this matter has caused Ms***After reviewing the complaint we can appreciate the reason for Ms***’s dissatisfaction Our company provides a day grace period after the payment due date Ms. ***’s
payment due is on the 3rd of every month. Any payment received after the 13th of each of month is considered late and will accrue a late fee of $15.00.The account received two late payments after the day grace periodThe payment for 02/03/was received on 02/17/check#and the payment for 04/03/on 04/15/check#The account was charged a late fee for the late paymentsWe apologize for the misunderstanding and will provide Ms*** her refundThe account will be reported as in Paid in full as of 09/14/