GO Financial

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 creditThis response is not stating all the fact

the reason my account was days behind was because I stopped future payments until go financial would resolve the issue of drafting payments out of my account more than time a monthi refuse to accept a credit.they can have the car back and not pay me back what I have paid in if they agree not to put it on my credit as a reposessionthats only agreement I will accept!

(Please see attached for full response)The amount reported to the credit bureaus is the remaining principal balance, currently $3,This amount is the remaining deficiency balance owed, less the unsatisfied accumulated interest prior to charge off, unsatisfied late fees, and the recovery fee that is outlined on the Explanation of Calculation of Surplus or Deficiency letter At this time, we would like to offer to settle the account for 25% of the remaining principal balance of $3,The settlement terms is as follows: Our customer agrees to:· Remit payment of $to GO via certified funds GO agrees to:· Waive the remaining deficiency balance· Delete the trade line from all three (3) major credit bureausOur customer would be required to sign a Full Settlement and Release of Claims, should she accept our offerPer our customer’s request, a full cease and desist has been placed on her accountShould she desire further clarification or have any questions, we invite her to contact our Customer Relations department, at ###-###-####, as we are unable to reach out to her

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

September 21, 2016Marie GarciaRevdex.comPh(602) 212-2207Fax (602) 263-RE: Complaint No[redacted] Dear MsGarcia: Thank you for bringing this matter to our attention We appreciate the opportunity to address our customer’s concerns.On March 27, our customer entered into a Retail Installment Sales Contract with Carvana for the purchase of a Ford Expedition GO Financial is the servicer of our customer’s contractAt the time of purchase, our customer agreed to make 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 againOn November 30, 2015, at days past due, our customer’s account charged off due to non-paymentAt 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 agenciesWe 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 agenciesPlease allow 30-days for this update to reflectWe appreciate our customer’s patience in working with GO Financial through this situation As a goodwill gesture, GO Financial has mailed our customer a $American Express Gift CardGO Financial thanks the Revdex.com for its ongoing supportShould you have any questions or concerns, please contact us by calling us at 877-235-Sincerely, Denise CGO Financial Customer Service Resolution Specialist

7/16/Karina Rodesno Revdex.com Ph###-###-#### Fax ###-###-#### RE: Complaint No [redacted] [redacted] Dear MsRodesno: Thank you for bringing this matter to our attention We appreciate the opportunity to address our customer’s concerns On January 20, our customer purchased his vehicle through Carvana and GO Financial is currently servicing the loan On July 22, a loan advisor contacted our customer to advise them we had not yet received their regularly scheduled payment for the month of JulyOur 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 daysOn August 10, a loan adviser spoke with the customer’s bank who advised us that they had sent the payment to the incorrect payment addressWe then received our customer’s payment on August 10, In April of 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 $late fee to an account when a payment becomes days past dueHowever, we will not report to the credit bureau a late payment until the account goes days past dueOur customer’s account has never fallen 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 $fee that was applied and as a goodwill gesture, GO Financial is sending our customer a $ [redacted] Gift Card GO Financial thanks the Revdex.com for its ongoing supportShould you have any questions or concerns, please contact us by calling us at ###-###-#### Sincerely, GO Financial

I was not delinquent when I called and made my payment inNovember 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 paymentsHad I not went on the advice of your employee and continued making my payments as I was, no later than days my acct would NOT BE REPORTED DELINQUENTYour employee specifically stated that I should be fine when I made my payment...as he said...it was past when they report itYour 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 predicamentLying 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 adviceHad he set me up with the deferral payment as I originally requested and was eligible for...this problem also would not be an issueBecause of the payments it not only made me more behind but then ineligibleWhat company makes your acct worse? I am very aware of how credit works so do not insult my intelligenceI obviously knew to pay by day and I was fine up until listening to your incompetent company's adviceYour employee told me it would be fineDid you not listen to the recorded phone callsI was specifically concerned that my credit was not affected by any payment arrangementsHe 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 fineIs that how you run your financial business, lying to people regardless of what they are concerned aboutI 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 reportedPERIOD! This is not acceptable at all

(Full response on attached)On April 8, 2017, our customer entered into a Retail Installment Contract (Contract) when he purchased a Kia Soul from CarvanaThe Contract was subsequently assigned to GO FinancialAt the time of purchase, our customer agreed to make monthly payments of $beginning on May 8, 2017, with one final payment of $Our customer had a regularly scheduled payment due on September 8, As this payment was not satisfied, the account entered into a default statusSubsequently, GO Financial began attempts to reach our customer to discuss the delinquencyOur customer contacted GO Financial on January 11, 2018, to discuss the status of the accountWe advised him that the account is days past due for $1,and that the vehicle is under review for recoveryOur customer advised that he would be able to make a payment on the following Tuesday, January He was advised that he would need to cure the delinquent balance to cancel the potential recovery of the vehicleGO Financial informed our customer that this payment would need to be made using a debit or credit cardOur customer advised he would need to review his finances and contact us backNo payment was received on January 15.On January 12, 2018, at days past due, GO Financial assigned the vehicle for recovery through a third party vendorBetween then and February 6, 2018, GO Financial made several unsuccessful attempts to reach our customerOn 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, 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 dueAdditionally, our customer did not contact GO Financial until February 7, 2018, when the vehicle was reported as recovered by the vendor

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 is fictionThe response mentions one specific phone call, and makes no mention of the other phone calls, emails and letters that I received to collect this "late" paymentOn 8/21/2015, I received a call from Go Financial, and guess what? They "found" the checks that I had sent themThey had them the whole time, just as I had saidThe 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 responseThe response says that as a goodwill gesture they are waiving the late fee, and makes no mention that I was never late with a paymentEver.Here is the real nature of my complaint - The company has no contact points for resolving resolutionsThey report that they have no email address to send proof of paymentThey stubbornly refuse to look at any situation with an open mindTheir own website list the address that they describe as the 'wrong" address in their responseWhen 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 costI offered to email proof that the check was in their hands, and the responded by telling me that they do not have emailAfter 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 researchMy entire bank statementThat is beyond ridiculousI 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/confirmed that they had the checks the whole time and wanted to know how I wanted the credits appliedNothing was ever missing.I would not consider this issue resolved until things happen:The company has an email address where their unfortunate customers can submit proof of payment and a person actually looks at the emailThe 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 responseI want them to create a resolution system that allows for 2-way communication, instead of daily 1-way accusationsThere must be an appropriate system for resolutions Regards, [redacted] ***

March 11, 2016Marie Garcia Revdex.comPh###-###-####Fax ###-###-#### RE: Complaint No [redacted] [redacted] *** Dear MsGarcia: 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 Lexus HS 250HGO Financial accepted assignment of the customer’s contractOn 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 balanceIn our offer, we will agree to change the status of our trade line on our customer’s credit historyOnce 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*** GO Financial Customer Relation Specialist Direct Line: ###-###-####Fax: ###-###-####

On October 24, 2016, our customer entered into a Retail Installment Contract and Security Agreement with Carvana when she purchased a Kia SoulGO Financial is the servicer of our customer’s contractAttached you will find the Retail Installment Contract and Security Agreement for your reference When customer’s purchase a vehicle through Carvana, they are responsible for perfecting the title and providing it to GO Financial until the loan is paidBetween November of and January of 2017, GO Financial and our customer had a number of conversations regarding the titleCarvana was delayed in providing the title to GO Financial, we advised our customer of the delay and apologized for the length of time it was taking On January 16, 2017, GO Financial advised our customer the registration was completed on December 22, and perfecting the title takes 5-weeks from the time of registration.[EJ1] On February 22, 2017, GO Financial sent a digital copy of the title to the email address on file and mailed a physical copy of the title to her residence At this time, GO Financial has not been able to reach our customer to confirm her receipt of the title copiesWe will continue our efforts to ensure she has received themWe apologize for the excess delay and miscommunication on our behalfWe apologize for any inconvenience or confusion this matter may have causedAs a goodwill gesture, GO Financial has applied one monthly payment, of $208.00, towards her upcoming payment GO Financial thanks the Revdex.com for their ongoing support Should you have any questions or concerns, please contact us at ###-###-#### [EJ1]I changed this back because I was bit confused as to why we were telling the customer something that had already been completed

June 8, [redacted] ***To Whom It May Concern,Denise C [redacted] and I was able to address some of my concernsAfter researching, one thing that was never discussed was the failure to help a customer when in FMLA/medical needI also advised Denise I would like to take care of the balance the best way I canThe amount quoted $from Denise C [redacted] is/was unattainableI am just trying to recover and pay all my creditorsGo Financial was not really trying to help Carvana trust that Go Financial has stuck to their promises to offer great customer serviceI was failed by both Go Financial and CarvanaThis has been a stressful situation and has lead to some of my health problems that put me in this situation.I am asking Go Financial to have some compassion for my situationMy family and I could afford $I am asking if this account could be deleted from my credit report since the creditor is not required to provide a reason to the credit bureaus as to why they deleted information previously reportedThe creditor has the power to request a deletion PERIOD.I am hoping and praying that Go Financial and I could work on an amicable resolution without involving Carvana and putting this behind all parties involved.Sincerely yours, [redacted] ***

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, send the gift card and, if it does, will consider this complaint resolved 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 loanAccording 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 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 vehicleAdditionally, the notice provided the full address and phone number of the auction where the vehicle was locatedA copy of this notice is attached for your referenceOn March 1, 2016, the vehicle was sold at auctionThe proceeds were applied towards the remaining balance owed on the accountGO then sent our customer an Explanation of Calculation of Surplus or Deficiency letter, attached for your referenceThis 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 againGO 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 accuratelyThe amount reported to the credit bureaus is the remaining principal balance without fees; currently $3,We are unable to accommodate our customer’s request to delete her trade lineOn July 7, 2017, GO reached out to our customer to discuss her concerns and relayed the above informationThe call ended on amicable terms

March 22, 2016Conciliation & Engagement SpecialistRevdex.comPh###-###-####FAX ###-###-####RE: Complaint No [redacted] Dear Specialist:Thank you for bringing this matter to our attention We appreciate the opportunity to address ourcustomer’s concerns.On January 26, our customer entered into a Retail Installment Sales Contract (“Contract”) with Bayou Boyz Wholesale for the purchase of a Chevrolet Trailblazer 2WD (“Vehicle”)Note that Page of the Contract includes the required statement that “Louisiana law permits repossession of motor vehicles upon default without further notice or judicial process”GO Financial accepted assignment of the customer’s contract from the dealer and we are currently financing our customer’s vehicle purchase.Our customer did not make any of the payments due under his Contract and, as such, we timely provided our customer with a Notice of Default and Consu mer’ s Right to Cure , on July 22, 2015, at which time his account was days past dueA copy of the notice is attached for our customer’s reference On October 1, our customer’s account was days past due, and his account charged off as a result of the account delinquencyWe exercised our right to repossess the Vehicle on October 13, On October 15, we timely sent to our customer a Notice of Intent to Dispose of Repossessed or Surrendered Motor VehiclePlease find this notice attached for our customer’s reference.Our customer contacted us on October 13, and expressed interest in redeeming his VehicleWe informed our customer that his account would remain charged off, and his Contract would not be reinstated, but we would agree to let him retain possession of the Vehicle so long as he made the agreed-upon paymentsOur customer agreed to this arrangement and paid to GO Financial the amount of $1,to redeem his vehicle, and he made a verbal agreement with us to continue making monthly payments on the 19th of each month starting in November.Our customer proceeded to make his November, December, and January payments as agreedWe did not receive our customer’s February 19, as arranged, and we were unsuccessful in our attempts to reach our customer so that we could discuss his accountWe again took possession of the vehicle on March 12, because our customer had not timely made the agreed-upon payment, at which point, our customer was not entitled to any additional notices or opportunities to cure under applicable law In all regards, GO Financial acted within the state’s law in order totake possession of the vehicle.Our customer also mentioned that a few personal items were missing from his vehicle after the vehicle was repossessedWe spoke with our recovery agency, and they provided us with the attached Receipt for Redeeming Personal Property agreement, which the customer signed There are no notes of any missing items However, our recovery agency has taken the customers statement of missing property seriously, and they are contacting our customer to address this concern.Since receiving our customer’s concerns from the Revdex.com, we made a few additional attempts to contact our customer so that we can discuss his concerns, and to explore any options of assistance that may be available to himWe have been unsuccessful in our attempts We encourage our customer to contact us so that we can speak with him further about his concerns.GO Financial thanks the Revdex.com for its ongoing supportShould you have any questions or concerns, please contact us by calling us at ###-###-####.Sincerely, Wendy M***Customer Resolution SpecialistGO Financial

March 11, 2016Marie Garcia Revdex.comPh###-###-####Fax ###-###-#### RE: Complaint No [redacted] [redacted] Dear MsGarcia: Thank you for bringing this matter to our attention We appreciate the opportunity to address our customer’s concerns.On December 26, 2015, our customer entered into a Retail Installment Sales Contract with Frank’s Auto Repair and Sales for the purchase of a Dodge JourneyOur customer also purchased a Pre-Owned Vehicle Service Contract (a “VSC”) GO Financial accepted assignment of the contract from the dealer and we are currently financing our customer’s purchase On February 26, our customer contacted GO Financial and informed that she experienced mechanical issues with her vehicleThe starter, water pump, timing belt, motor, ball joints and brakes are in need of repair or replacement All the repairs are covered under our customer’s VSC, except for the brakes and the ball joints Our customer informed that she plans to pay out of pocket to fix the brakes and ball jointsOur customer also paid for towing, rental car and the VSC deductible to initiate the covered repairsOur customer later called on February 29, 2016, to discuss payment deferment options to help with her account payments, as she has out of pocket expenses to repair her vehicleWe advised our customer the repairs need to be completed before we can submit for approval for a payment deferral and that they must be in the loan for a minimum of six months We spoke with our customer on March 11, regarding her concerns and we have reached an amicable resolution Once the out of pocket repairs are completed and our customer submits paid in full receipts, we will assist by processing a two payment deferment We requested that our customer provides us her paid repair receipts by March 25, 2016, as her February payment is past due, and we would like to process her payment deferments before her account falls days past due, and so that she can avoid receiving a negative remark on her credit reportAs a goodwill gesture, GO Financial has mailed a $American Express Gift Card toOur customer addressGO Financial thanks the Revdex.com for its ongoing supportShould you have any questions or concerns, please contact us by calling us at ###-###-####Sincerely, Denise C*** GO Financial Customer Resolution Specialist

Thank you for bringing this matter to our attention We appreciate the opportunity to re-address our customer’s concerns.On November 2, 2016, at days past due for $249.39, excluding any additional fees, GO Financial and our customer set up payment arrangements of $to be paid on November and $on November 15, On December 8, 2016, at days past due for $485.65, GO Financial and our customer set up payments arrangements of $to be paid on December 14, and $on December 21, On December 21, 2016, at days past due for $385.65, our customer requested to change her payment arrangement set for December 21, to be paid on December 28, 2016.On January 5, 2017, at days past due for $578.78, GO Financial and our customer set up a payment arrangement of $to be paid on January 11, 2017.Our customer’s account status, at the end of January, reflected as days past due for $378.78, excluding any additional feesA 30+ day late mark was reported to the major credit bureaus and, as of April 24, 2017, the account is accurately reportingGO Financial has attached a transaction history to show all the payments made on the accountWe have reviewed the account notations, and phone conversations that took place with our customer between November and JanuaryDuring these calls, we educated our customer on the importance of maintaining payment arrangements and the negative impacts should the account exceed days past due.At this time, our customer’s account is reflecting a current status with an upcoming payment on May 4, for $GO Financial has not been able to make contact with our customer to discuss her concerns furtherWe encourage her to contact our Customer Relations department at ###-###-#### should she have any additional questions or concerns to discuss

Thank you for bringing this matter to our attentionWe appreciate the opportunity to readdress our customer’s concerns We apologize for the inconvenience our customer experienced with the tradiof the vehicleAs explained in our previous response, GO Financial did review the recorded phone calls with our customer within the month of January, At no point during these conversations was our customer advised that the delay in receiving the payoff check would not affect her creditGO Financial advised our customer that she would be responsible for the payments until the payoff check is receivedAdditionally, she was advised that there may be negative credit reporting as a result of the payoff check not being receivedAt the end of these conversations, our customer acknowledged the information being conveyed and did not express any additional concerns We thank you for your ongoing support in allowing us the opportunity to address our customer’s concernsShould you have any questions, feel free to contact our Customer Relations department at 800-965-

November 21,
Lyndsey
Mullens
RevDex.com
Ph
###-###-####
Fax
###-###-####
Re: Complaint # ***
Dear MsMullens,
Thank you for bringing this matter to our attentionWe appreciate the opportunity to address these concerns
We are
currently working with our customer to come to an amicable resolution
Go Financial thanks the Revdex.com for their ongoing supportShould you have any questions or concerns, please contact us by calling us at ###-###-####
Sincerely,
Go Financial
Customer Relations

I previously filed a complaint against Go FinancialNow the vehicle is showing charge off as bad debt on my credit reportThat's not what we agreed onThe vehicle I purchased is a Ford Fusion and it was purchased in I told them that since I couldn't get the car registered I wanted it deleted from my credit report and for them to come get itI did what was asked of me and contacted the dealership where I purchased the car and they stated they had to send off for the title and it could take some timeI have been paying someone to take me back and forth to work and I need to purchase another vehicleI can't because they have closed the account and charged it off as bad debtInstead of what we agreed uponThe only thing she did that she said was, credit a full payment back to the accountI want them to completely remove this from my credit or I will take another route to deal with themI was sold a car that can't be registered.Completely delete this from my credit reportsCompletely remove the mentioned item