GO Financial

My main concern was not the additional weeks it took you guys to apply the loanMy problem is that you representative told me to sign the wrong name when I called and even after I said I thought she was wrong I was told buy
your representative in the 13th of September that I needed to sign the wrong nameWhich delayed the payment an entire month causing me to have to pay an additional months interest because I had to resend all the paperworkBe cause your rep gave me the wrong info and your company blamed my insuranceRight you just say on the 13th Your rep told me wrong and that delayed payment for a month that is what I want fixed September 13th through the the I should have had that paid a month sooner but your company screwed up not meYour 50$ gift card doesn't make up for thanks thoughYour company is a joke I will never recommend or get a loan through you again

For full response, please see attached. On August 23, 2017, GO Financial contacted our customer to explain we would not be able to provide the requested reimbursement because the statement sent in did not verify the payments had both been drafted from the account On August 24,
2017, we received an updated bank statement from our customerAfter reviewing this documentation, we confirmed both payments were drafted from his account and there was one NSF fee of $Subsequently, we determined we would proceed with refunding our customer for the double payment. On August 28, 2017, we processed the request to have the payment from August 5, refunded directly into the ATP’s accountThe ATP should receive the refund by August 30, At this time, we have made three outbound attempts to reach our customer at the phone number on file, as well as the phone number listed on the complaint but have been unsuccessfulShould our customer wish to discuss this matter further, we encourage her to contact our Customer Relations department at *** ***We apologize for any frustration or inconvenience this matter may have causedAs a gesture of goodwill, and to compensate for the insufficient fund fee, we have sent a $gift card to our customer’s address on file We thank you for your ongoing support in allowing us the opportunity to address our customer’s concernsShould you, or our customer, have any questions, we invite you to contact our Customer Relations department at *** ***

Dear Ms***:Thank you for bringing this matter to our attention We appreciate the opportunity to address these concerns. On August 23, 2015, our customer entered into a Retail Installment Sale Contract with *** ***, Incfor a *** *** ** *** accepted
assignment of our customer’s contract from the dealer and ** *** is currently financing our customer’s vehicle purchase Our customer also purchased a month/36,mile pre-owned Vehicle Service Contract from *** *** Included you will find the Retail Installment Sale Contract and the Pre-Owned Vehicle Service Contract.On September 30, 2014, our customer informed ** *** her vehicle was at the repair shop Our customer’s vehicle was in the repair shop from September 16th thru October 10, for engine replacement Our customer was provided with a loaner car from *** ***s She was not responsible for any out of pocket expenses for the car repairs or loaner car.On October 17, 2014, our customer informed ** *** she was not given the title to register her vehicle Once the contract is signed, our customer is given the titleIn the state of *** it is the buyer’s responsibility to register the vehicle Our customer is also responsible for the title fees and taxes.At the time of sale, our customer agreed to make monthly payments of $beginning September 23, As of today, our customer has not made any payments as agreed at the time of purchase ** *** made several attempts to negotiate payment arrangements, but was unsuccessful Our customer was unable to fulfill her commitment On December 8, 2014, ** *** exercised its contractual right to secure the vehicle and assigned the vehicle to be recovered due to payment default. At this time, we are unable to accommodate our customer’s request to delete her trade line She is obligated for the remaining balance.** *** thanks the Revdex.com for its ongoing supportShould you have any questions or concerns, please contact us by calling us at ***. Sincerely, GO Financial Customer Service

Good Morning, Attached is copy of rebuttal response.Happy Holidays*** *** Customer Service Resolution Specialist. December 7, 2015*** *** Revdex.com*** *** ***Fax ###-###-#### RE: Complaint No *** *** *** Dear Ms***: Thank you for forwarding our customer’s additional commentsWe are sorry that our customer has ongoing concerns Upon further review of our customers concerns, we have taken an alternative direction to help our customer As a good will gesture, GO Financial has submitted a request to remove the negative credit bureau remark for July We have informed our customer that any future extensions or delinquencies that may result in a negative credit report mark will not be adjusted. 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 Customer Service Resolution Specialist Direct Line: ###-###-####Fax: ###-###-####

February 7, 2017Conciliation & Engagement SpecialistRevdex.comPh###-###-####Fax ###-###-####RE: Complaint No ***Dear Marie Garcia,Thank you for bringing this matter to our attention We appreciate the opportunity to address ourcustomer’s
concerns.On September 10, 2015, our customer entered into a Retail Installment Sale Contract with Auto Mart of West Memphis LLC, for the purchase of a Ford FusionGO Financial is the servicer of our customer’s contractAttached you will find the Retail Installment Sale Contract for your reference.At the time of sale, our customer agreed to make monthly payments of $317.37, beginning October15, 2015.On November 30, 2015, GO Financial contacted our customer regarding the past due account statusOur customer advised she is unable to make her payment due to the cost of the registering her vehicleOur customer requested a copy of the title in order to register her vehicleGO Finanical emailed a copy of the Direct Lien Receipt to our customerA Direct Lien Receipt is a validation of purchase which verifies the title number, the lien holder’s information, vehicle owners name and address, location of the dealership where the vehicle was purchased, and the year/make/model of vehicle financed The receipt also has the lien contract date, lien filed date, and lien payoff date.On December 14, 2015, our customer contacted GO Financial and advised she was unable to register her vehicle with the Direct Lien Receipt Our customer stated the Department of Motor Vehicle (DMV) requires the physical title to register her vehicle GO Financial informed our customer she should have received the title at the time of sale, as it is supplied directly from the dealerWe recommended she contact the dealer to obtain the title.On March 31, 2016, our customer contacted GO Financial and advised she attempted to renew her tags and was advised by the DMV that the vehicle had a salvaged titleOur customer advised she had the title and would provide GO Financial with a copy via email.On April 1, 2016, GO Financial contacted West Memphis DMV to verify the status of the title The DMV representative advised the vehicle is not registered and there is not a salvage title attached to the vehicleThe DMV representative advised to call back with the title number and she will verify with the title number. Later that day, GO Financial received a copy of the title from our customerGO Finanical called DMV with the title number and they verified there was no previous issues with the title and our customer is clear to register the vehicle GO Financial communicated this to our customer and instructed her to contact us if she should have any further concerns.On January 30, 2017, our customer’s account was days past dueGO Financial exercised its contractual right to secure its collateral and the vehicle was assigned for recovery due to nonpayment.On that same day, GO Financial received a letter from the Revdex.com informing us that our customer was unable to register her vehiclePrior to receiving our customer’s complaint, we have not received any indication our customer was still unable to register the vehicle since speaking with her on April 1, GO Financial has been in regular contact with our customer throughout the life of her loan due to her delinquent account status.On February 1, 2017, GO Financial contacted Auto Mart of West Memphis in regards to our customer’s concerns regarding the registering her vehicleAuto Mart of West Memphis advised the title was given to our customer after they finalized the contractAs a goodwill gesture, they advised they will order a replacement title for our customer.On that same day, GO Financial contacted our customer regarding her concernsOur customer advised she did not receive the title at the time of purchaseWe advised our customer the dealer is willing to order a replacement title for herOur customer advised she will contact the dealer regarding the title replacement.On February 3, 2017, GO Financial attempted to contact our customer to discuss her status on the duplicate title from the dealerWe were unsuccessful in reaching our customerAt this time, GO financial would like to offer the following resolution:GO Financial agrees to:• Cover the cost of the replacement title• Work with our customer to reinstate the loan• Credit one monthly payment of $towards our customer’s accountWe apologize for any inconvenience this may have caused our customerAs an additional goodwill gesture, GO Financial mailed out customer a $American Express to the address on file.GO Financial thanks the Revdex.com for their ongoing support Should you have any questions or concerns, please contact us at ###-###-####.Sincerely, Denise C***Customer Relations Department

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

Go Financial stated that I have not been in contact with my insurance company since August of That is not trueI have been in contact with my insurance company each month and I even went to the commissioner of insurance to resolve the issueThe recovery representative (that Go Financial
hired) and I never spoke of the time frames that I have been in contact with my insurance companyAfter telling him (recovery agent) my dilemma he stated "well someone dropped the ball"He was told I had the vehicle in my possession which was not true.August 8/17/was the date of my accidentI paid my car note a few days prior to the accidentI called Go Financial within a week to notify themTwo months later Go financial and I spoke concerning this.I have also emailed themAfter failed attempts, I stopped answering because I felt overwhelmed and helplessGo Financial stated that my insurance company never reported that they provided me coverage, as a result they did not include collision coverage, however I have umpd which would have covered the vehicle but Go Financial would have had to wait for a settlementInstead of waiting they began to give me harassing calls and sent the recovery company to my address stating I had the vehicle in my possessionThey attempted to intimidate me with the recovery company and threatened to have me in court for theft.To add insult to injury, Go financial offered $credit, stating I still owed the remaining balance for the vehicle, which was a contradiction because Go Financial clearly started that they had charged off the vehicle on December 31st

All of the information they claiming they sent or showed me is not matching what they said to meI received a letter dated June 16,that the remaining balance is 9,In the letter they provided to you states 9,The letter I received also says that if I wanted to reinstate the loan it would cost me a total of 2,After reading the information provided to you from GO Financial, "Currently, our customer’s account is days past due for $1,Thus far, our customer has paid a total of $9,towards the loan: $3,towards principal, $5,towards interest, and $in late payments fees." We was told that the car was a total 11,plusWe was never aware that the car was 19,If that was known I would have never purchased this car in the first placeIts a Nissan Altima, it is not nearly worth $19,This company have clearly changed information and are telling different stories to you guys from what they told meI have documents of the contract and letters they have sent meIf you need those documents I can provide those at a later time when I'm able to scan them to send to you

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. For your reference, details of the offer I reviewed appear below.My contract started on March 18, 2014, not This issue has caused serious with my creditEven though I received a gift card and a letter regarding my payments,this still has been a issue with my credit scoreIt only has moved up points since they have now reported it and I have had this loan for monthsI am trying to rebuild my credit and not sure how this can be resolved]
Regards,
*** ***

August 11, 2017Marie GarciaRevdex.comPh: ###-###-####Fax: ###-###-####Re: Complaint No***To Whom It May Concern:Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concernsGO Financial has verified our customer did obtain
a $loan for the ignition switch repair, however, SilverRock, our customer’s Vehicle Service Contract provider, made an exception to cover the cost of the repairGO Financial spoke with our customer and she has advised us she has an outstanding loan with her bankAs of August 10, 2017, our customer is days past due for $As a gesture of goodwill, we will provide our customer with a 13-day per diem credit of $per day for the time the vehicle was in the repair facility; a credit of $This credit be applied towards the past due balanceWe welcome our customer to contact our Customer Relations department, at ###-###-####, so we may discuss setting payment arrangements on the account until she is outside of her hardshipBelow is a detailed elaboration of the events which have transpired.On January 9, 2016, our customer entered into a Retail Installment Contract and Security Agreement when she purchased a Ford Focus from Infinity Auto SalesGO Financial (GO) is the servicer of our customer’s loanAt the time of sale, our customer elected to purchase a 3-year / 36,000-mile SilverRock Vehicle Service Contract (VSC), administered by AeverexAttached is the Contract and VSC for your reference.GO offers a variety of loan modifications, to our customers, such as due date and frequency changes and payment deferments/extensionsPrior to submitting for a deferment for review, GO wants to ensure our customers’ success in maintaining the loan after the deferral periodFor this reason, our customers must be out of their hardship and satisfy the subsequent paymentsIf our customers are not eligible for deferments, GO has the ability to set payment arrangementsThese arrangements are agreed upon dates where our customer makes a payment, of any amount, on a date alternative to the scheduled due datesAs all loan modifications are subject to review, there is no guarantee they will be approved.Below is our customer’s recent repair history with Aeverex:• On July 10, 2017, a claim was initiated by an in-network repair facility (INRF) for an ignition switchThe repairs were not authorized as the ignition switch is a non-covered component under the terms of the Vehicle Service Contract (VSC) After our customer inquired, Aeverex further advised our customer the ignition module is covered under the VSC; however, the ignition switch is a different component and is non-coveredOur customer advised Aeverex she would take the vehicle to a second repair facility for another diagnostic and inquired about rental assistanceAeverex advised her that any authorization for rental reimbursement would be dependent on having approved repairs. • On July 18, 2017, a second INRF initiated a claim for the ignition switchThe repairs were not authorized as the ignition switch is a non-covered component under the terms of the VSC.• On July 25, 2017, SilverRock contacted our customer to discuss the repairs needed on the vehicle.She informed them additional repairs were needed but have not been reported to AeverexThey offered to have Aeverex reach out to the repair facility and obtain this new informationOnce a completed estimate is available, SilverRock would review for possible assistanceFurthermore, our customer did advise SilverRock of the loan she received from her bank, for the non-covered repairsSilverRock inquired if the repairs were to be covered, would she be able to return those funds and rescind her agreement with her bankOur customer advised she would be able to do so.• On July 31, 2017, the INRF initiated a claim for the front motor mount, transmission mount, and engine diagnostic feePer the terms of the VSC, Aeverex provided authorization for the front motor mount, transmission mount, and the engine diagnostic feeWith covered repairs, our customer was responsible for a $deductible to be paid to the repair facilityAdditionally, as a gesture of goodwill, SilverRock made an exception to cover the ignition switch in full.GO spoke with our customer on several occasions in regards to the status of her accountOur initial conversation about deferments was on July 21, 2017, before SilverRock made the exception to cover the ignition switch repairShe informed us she received a loan for $to cover the cost of the non-covered repairsWe offered to review for a possible deferment upon receipt of documentation showing she is making payments towards the other loanThe decision to offer the deferment was based on our customer’s hardship of having to pay out-of-pocket for non-covered repairs.We spoke with our customer on August 3, to discuss her concerns with the denied defermentShe explained she paid a $diagnostic fee to the first INRF and utilized a portion of the $to pay her $deductible for the most recent claimShe advised she would be paying the bank back for her portion of the loan she usedGO advised we would not be able to review for a possible deferment as SilverRock covered the non-covered repair on her behalfWe further offered to set payment arrangements for her past due balanceOur customer expressed dissatisfaction and she disconnected the call.Upon receipt of our customer’s recent written correspondence, GO contacted our customer on August 9,She advised us the vehicle’s no start issues was not resolved and was instructed, by the INRF, to replace the batteryWe encouraged her to have the INRF initiate a claim if additional repairs are neededand offered to coordinate with SilverRock to review for possible assistanceSubsequently, we iterated thereason why we would not be able to process a deferment at that time and suggested setting payment arrangements with usOur customer expressed dissatisfaction with our response and the call was ended.We thank you for your ongoing support in allowing us the opportunity to address our customer’s concernsShould you, or our customer, have any questions, we invite you to contact our Customer Relations department at ###-###-####.Sincerely, Carlos S.Customer Relations

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 until for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

Good Morning, Attached, is our response to Ms***

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 months (or 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-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 months

Thank you for bringing this matter to our attentionWe appreciate the opportunity to address our customer’s concerns. On March 14, 2013, our customer signed a Simple Interest Retail Installment Contract for the purchase of a Mercury MountaineerThe Contract was then subsequently assigned to Go Credit by the dealershipIncluded you will find the Simple Interest Retail Installment Contract for your reference.Go Credit stringently follows the FDCPA guidelinesOur customer claims Go Credit was in violation of third party disclosure Research concluded that a third party contacted us on May 1, to advise of our customer’s current situation and asked if we could lower the redemption amountThe third party acknowledged that we cannot release account information and stated she would call back with our customer. Our customer alludes to the idea that we have improperly reported her loan status to the credit bureaus by showing her rating as IGo Credit timely and accurately reported to the credit bureaus that our customer’s loan was in charge off status because she was severely delinquentGo Credit continues to properly report our customer’s loan in charge off status while she continues to make payments. Next, our customer asserts that Go Credit is receiving payments on the contract in the form of a federal income tax creditThis assertion is incorrectGo Credit has not received and will not receive a tax credit from the IRS by including the charge off of this customer’s account in its calculation of taxable incomeCustomer is obligated to pay the debt to Go Credit even though her loan is a charge offGo Credit is not being paid twice for this contract as Customer claims.At this time, we are unable to accommodate our customer’s request to settle the account as she is obligated for the remaining balance.However, we will accommodate our customer’s request to contact her only via email or mail Although loan-servicing activity via telephone has ceased for the duration of the contract our customer is still responsible for the remaining paymentsWe encourage our customer to review her contract for additional consequences related to non-payment, up to and including repossession of the vehicle. Go Credit thanks the Revdex.com for its ongoing supportShould you have any questions or concerns, please contact us by calling ***-***-***. Sincerely, Go Credit Customer Relations

October 13, 2015Marie Garcia Revdex.com Ph###-###-####FAX ###-###-####RE: Complaint No***Dear MsGarcia: Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns. On October 13,
our customer entered into a Retail Installment Sales Contract with Realty Auto Sales Incfor the purchase of a Jeep Liberty 4WD V6. GO Financial accepted assignment of the customer’s contract from the dealer and we are currently financing the vehicle purchase On October 12, 2015, our customer advised GO Financial that the vehicle was traded in and the dealership mailed in a payoff check on October 2, GO Financial received a check in the amount of $3,on October 9, Due to the check being received after our Accounts Payable department was closed for the weekend, the check was not applied until the next business dayOn October 12, 2015, GO Financial back dated the payment to reflect the date the check was received and posted it to our customers accountOur customer’s account now reflects as a paid in full loan.As a goodwill gesture, GO Financial is sending our customer a $American Express 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 Customer Resolution Specialist Denise C*** Ph###-###-####

April 5, 2016Maria Garcia Revdex.comPh###-###-####Fax ###-###-#### RE: Complaint No*** *** *** Dear MsGarcia: Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns.On
September 26, 2015, our customer entered into a Retail Installment Sales Contract with S&E Auto Center for purchase of a Toyota CamryGO Financial accepted assignment of the customer’s contract from the dealer and we are currently financing the vehicle purchase. On January 25, 2016, our customer called to cancel her automatic monthly paymentOur Loan Servicing Representative intended to cancel the automatic payment, however the cancellation was not initiated. Our customer received an insufficient funds fee from GO Financial and her personal bank. During this time, GO Financial transitioned to a new payment processing systemOur customer made an account payment during the system transition, and her account was assessed an additional fee in errorWe immediately identified the system error and made the necessary corrections to ensure there are no further systematic errors. We apologize to our customer for any inconvenienceWe are appreciative for the opportunity to work with her through this matterWe have confirmed that ACH AutoPay is cancelled for our customer’s account, and no further automatic payments will be initiatedWe spoke with our customer and informed her that we have refunded her the amount of $to for the NSF fee she was assessed for her January 25th payment, and we have also processed a refund to our customer in the amount of $for the fee our customer was assessed as a result of our system error. As a goodwill gesture, GO Financial is sending our customer a $American Express 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

GO Financial offers a variety of loan modifications, to our customers, from due date changes to payment extensions/defermentsPayment extensions are contract modifications which allow past due payments, and not future payments, to be moved to the end of the loan, bringing the account back to a
current statusTo notify our customers, GO Financial sends emails to those who are delinquent, encouraging them to contact us so we may discuss payment assistance options. As an alternative, GO Financial offers payment arrangement options to our customers who are ineligible for defermentsPayment arrangements allow for our customer’s periodic payments to be made on an alternative date from their set schedulePayments will continue to come due as contractually scheduledThese arrangements, and deferments, may bring the account status to reflect as currentHowever, the account may have exceeded days past due, in which a delinquency is required to be reported to the major credit bureaus.GO Financial has reviewed the account notations and phone conversations that took place with our customer between November and JanuaryWe are able to report our customer and GO Financial agreed to a variety of payment arrangements throughout this time frame to assist with curing the past due balanceDeferments were discussed, however, we advised our customer she was not eligible at that time as she was required to cure the remaining portion of an unsatisfied paymentWe explained the importance of maintaining payment arrangements to prevent the account from exceeding days past dueAt the end of January, our customer’s account was reflecting days past due. At this time, our customer’s account is reflecting a current statusGO Financial has confirmed we are accurately reporting our customer’s loan to the major credit bureaus and have provided a credit reporting letter to herGO Financial is unable to accommodate our customer’s request(continued on attached)

January 27, 2017Conciliation & Engagement Specialist Revdex.com Ph###-###-####Fax: ###-###-####Re: Complaint No***Dear Marie Garcia:Thank you for bringing this matter to our attentionWe appreciate the opportunity to re-address our customer’s concerns. On January 19, 2017, GO Financial contacted customer’s insurance company They advised our customer did not have comprehensive and collision coverage, the insurance would have filed a claim regardless of who is at fault Our customer had uninsured motorist property damage insurance(UMPD) coverage UMPD pays for damage if a car is hit by a driver without insurance or when you are the victim of a hit-and-run In this case, our customer was involved in a hit and runThe insurance agent advised if the uninsured insurance company will not cover the damages to the vehicle, they need to send a denial letter Once our customer’s insurance receives the denial letter, then they can file a claim. On this same day, GO Financial contacted the third party’s insurance company regarding the status of the insurance claim The insurance agent advised this claim is still under investigation The uninsured motorist is stating at the time of the accident, his vehicle was stolen The third party’s insurance company is working on obtaining a police report verifying the vehicle was stolen If the vehicle was in fact stolen, the adjuster advised they will not cover the damages to our customer’s vehicle and will send a denial letter to our customer’s insurance company GO Financial made several attempts to contact our customer regarding payment options until her insurance claim is filed and settled, but we were unsuccessfulIn order for GO Financial to consider our customer’s account as a total loss, the following steps must be completed:• The vehicle must be declared a total loss by the insurance company. • Our customer must have completed and returned all necessary insurance paperwork. • Our customer’s insurance company must have remitted physical damage payment. • Have full coverage insurance (comprehensive and collision coverage) at the time of the loss. For a delinquent customer or charge off, it starts from the date of the last delinquency from which the customer did not “recover”This means the last delinquency after which the customer has never became current againOur customer’s become delinquent on September 16, and never became current again. On December 31, 2016, at days past due, our customer’s account charged off due to nonpaymentOur customer is still responsible for the payments until the insurance companies come to an amicable resolution and the loan is paid in full.As a goodwill gesture, once GO Financial receives an insurance settlement on our customer’s account, we will waive the remaining deficiency balance We will also update the three major credit reporting bureaus and report the trade line as paid in fullHowever, if GO Financial does not receive an insurance check for the vehicle, our customer will still be responsible for the remaining deficiency balance owed on the loan. At this time, GO Financial has been unable to advise our customer of the aforementioned offer for assistance Should our customer accept our offer, she would be required to sign a Full Settlement and Release of ClaimsWe have mailed a no contact letter to our customer at the address on fileThe purpose of this letter is to inform our customer of our attempts to reach out to herWe encourage our customer to contact our Customer Relations department at ###-###-#### for further assistance. GO Financial thanks the Revdex.com for their ongoing support Should you have any questions or concerns, please contact us at ###-###-####.Sincerely, Denise C.Customer Relations Department

Good Morning, Attached is the response for *** ***Thank youDecember 2, 2015 *** *** Revdex.com*** *** ***Fax ###-###-#### RE: Complaint No *** *** *** Dear Ms***: Thank you for bringing this
matter to our attention We appreciate the opportunity to address our customer’s concerns.On February 1, 2014, our customer entered into a Retail Installment Sales Contract with NuWay Auto Sales for the purchase of a Ford MustangGO Financial accepted assignment of the customer’s contract from the dealer and we are currently financing the vehicle purchase Our customer entered into a simple interest contractWith simple interest loans, interest is charged each day based on the balance owed on the loan amount Additionally, interest is accrued daily on the past due principal amountWhen payments are made a portion of the payment applies toward any past due amounts owing While our customer has been in communication with us and making payments, his payments have often been paid late In this case, our customer has accrued additional interest due to making late payments. Our customer fell delinquent on the June 1st payment, and made a payment in the amount of $on July 2, Our customer’s July payment had become due and remained unpaid until August 5, 2015, at which point our customer paid a partial payment in the amount of $ As of August 5, our customer’s account had fallen days past due A late payment remark was reported to the customer’s payment history as a result of the 35-day delinquency. On August 20, 2015, GO Financial agreed to process payment deferments upon the contention that our customer completed the July payment, of which $was still owingOur customer did not comply with the arrangements that were set and the deferment was systematically cancelled Our customer did not pay the August payment, therefore a second negative remark was reported to the credit history.On September 28, 2015, we offered our customer a three payment deferment for August, September, and October As mentioned, the approval was based on completing the partial payment for JulyWe received the payment on September 28th and the deferment was approved and our customer’s account was brought current We report to the consumer reporting agencies at the end of each month to reflect the account status The updates will show that August, September and October’s payment are current Please allow 30-days for this update to appear on your credit report.We understand the importance of building and maintaining a good credit scoreWe also understand the importance of accurately reporting credit activity We report both positive and negative information to the consumer reporting agencies We apologize for any confusion this may have cause our customer As a goodwill gesture, GO Financial is sending our customer a $American Express 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 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 7, 2016, GO Financial contacted our customer in efforts to
come to an amicable resolution with him.
Unfortunately, we were unable to discuss our customer’s concerns with
him, per his requestWe encourage him to contact us at *** *** for
further assistanceAt
the time of purchase, our customer agreed to make monthly payments of
$beginning April 4, GO Financial reports payments made to the
credit reporting agencies, along with the current principal balance,
accurately. We report both positive and
negative information to all (3) major credit reporting agencies. Go Financial would like to reach an amicable resolution with our
customerUnfortunately, we cannot address his concerns until we speak with him
and receive a copy of his bank statement as previously requested, for further
reviewWe thank the Revdex.com for this ongoing support. Should you have any questions or concerns,
please us at ***