GO Financial

I have been with Go finicial since August of 2015 I have had a a few late payments in Jan and Feb of 16 due to a bank error and cut hours for my job. Everytime I am going to be late I always call make a arrangement and more and likely pay way before the deadline for an arrangement. When I lost my lost and was our of work for a month I called and asked if I could have my payment moved to a different date which they said I could after having the loan for over 6 months I only applied twice and was in good standing and I still got denied. Ok that wasn't even the bad part. CSR is very rude and everytime you ask to speak with a higher up they say no one is availble and to call back tomorrow. I have called all hours of day and there is never a supervisor to talk to. The kicker is I'm trying to build my credit and I seen that I owe Go finicial 145$ which is incorrect and and I called to get it corrected it brought my score 46 down. I ask one CSR they said it was from Feb I called a few days later they said it was a late fee from May which is incorrect. Then they say no one above is availble to talk to you and she played like she couldn't hear me and hung up on me. This company is a joke and I'm am so out done with them. So I'm going with a lawyer and have them contact them maybe they will get answers that I'm not.

I have an auto loan with this company for my VW CC. The customer service and accounting system is one of the worst I have seen. I paid for my monthly installment on 08/22/2016 with a CC but then they charged my bank acct again on 8/27/2016 for the same installment. When I called and asked for the stop of payment for the double charge, they wouldn't stop it, rather started asking me for bank statement. I was completely dumbfounded, I was asking for a refund of a double charge but they want my bank statement--how absurd is that!!! Then it was not over yet-- I called my bank and stopped the double charge, but later I see in their dashboard that I was charged a NSF fee for insufficient fund. I called and ask customer service that how can you assess NSF fee if your system makes a mistake by charging me twice. The first person who answered the phone had absolutely no idea how finance really works even though the company name is goFinancial (ironically!) Then the second person told me that he submitted a request to reverse the double charge as well as the mistaken NSF fee, and they would be processed in few business days. I was convinced and it did reverse both charges; however, as soon as I login to their dashboard it shows a big warning sign saying, "Your last payment was returned for Non-Sufficient Funds. Please contact us immediately or Make a Payment Now". Not only that, the new payment amount due for the current month also added a NSF fee. It seems like after multiple phone calls and complains, they are still unable to resolve this issue. I'm really upset the fact that they claim to be a financial company but the people working their are not competent as well as the web application they are using is unable to maintain proper accounting of customers. This is totally unacceptable from a financial company.

Dear Ms. [redacted]: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 [redacted], Inc. for a 2008 [redacted].  **...

[redacted] accepted assignment of our customer’s contract from the dealer and [redacted] is currently financing our customer’s vehicle purchase.  Our customer also purchased a 36 month/36,000 mile pre-owned Vehicle Service Contract from [redacted].  Included you will find the Retail Installment Sale Contract and the Pre-Owned Vehicle Service Contract.On September 30, 2014, our customer informed [redacted] her vehicle was at the repair shop.  Our customer’s vehicle was in the repair shop from September 16th thru October 10, 2015 for engine replacement.  Our customer was provided with a loaner car from [redacted]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 [redacted] she was not given the title to register her vehicle.  Once the contract is signed, our customer is given the title. In the state of [redacted] 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 42 monthly payments of $395.32 beginning September 23, 2014.   As of today, our customer has not made any payments as agreed at the time of purchase.  [redacted] made several attempts to negotiate payment arrangements, but was unsuccessful.   Our customer was unable to fulfill her commitment.  On December 8, 2014, [redacted] 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.[redacted] 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 Customer Service

Good Morning,
Attached is the response for [redacted].
Thank you
December 2, 2015 [redacted] Revdex.com[redacted]Fax ###-###-####  RE: Complaint No.  [redacted]       [redacted]...

[redacted] Dear Ms. [redacted]: 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 2008 Ford Mustang. GO 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 contract. With 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 amount. When 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 $418.00 on July 2, 2015.  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 $255.05.  As of August 5, 2015 our customer’s account had fallen 35 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 $210.83 was still owing. Our 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 July. We 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 30-60 days for this update to appear on your credit report.We understand the importance of building and maintaining a good credit score. We 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 $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, [redacted] GO Financial Customer Resolution Specialist

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,

Thank you

This is the worse company ever. Hardly have anyone to talk to . Poor cusomter service. Employees are very ignorant and not understanding. This company have report false late payments to the bureaus.

This company is unorganized !

They are not a helpful company and there policy sucks, I have been trying to get help with my payments since I lost my job and has be unsuccessful, which has causecme to go into repossessions, in our economy today hardship can happen at anytime and they have not been helpful at all now my payments are behind and its nothing I can do but get caught up are get my car repo.

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

Good Afternoon

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

Customer Service

Phone number [redacted]- [redacted] -[redacted]

Fax number [redacted]

Regards,[redacted]

Good Afternoon,
As this time we are working on an amicable resolution.
 
Thank you
Denise C[redacted]

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

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

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait until for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

This company is very unprofessional. The customer service reps are not all on the same page. My vehicle is in my husband's name but I am the one who has been handling all of the payments. Sometimes they let me make a payment, sometimes they don't. I understand that the loan is not in my name, but the only thing I want to do is give you your payment, I don't want any detailed information. Sometimes I hang up and call right back, and the person who answers will let me make the payment. And when I log in to set up payment authorization, they send me a receipt, but they still call and harass, asking why I can't pay that day. This company is unorganized and I will never do business with them again. I'm sick of getting harassed when I have never made a late payment!!

Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns.

On May 31, 2013, our customer entered into a Simple Interest Retail Installment Contract when she purchased a 2010 CHEVROLET IMPALA. The vehicle came with a 1 year/12,000...

mile [redacted] Limited Warranty. The Simple Interest Retail Installment Contract and [redacted] Pre-Owned Vehicle Coverage agreement are attached for your reference.

On May 30, 2014, we contacted our customer and came to an amicable resolution.

Go Credit has agreed to settle the deficiency balance of $3,930.20 in the amount of $310.00 in certified funds.  This agreement will expire on July 31, 2014. Once funds are received, we will update applicable credit reporting agencies to report the trade line as a “SETTLED CHARGE – OFF” status.

Go Credit thanks the Revdex.com for their ongoing support. Should you have any questions or concerns, please contact us by calling us at ###-###-####.

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait until for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,[redacted]

7/16/2015 Karina Rodesno Revdex.com...

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

This company has sent their customer service overseas. Now you can't even get someone on the other line that speaks English. Their accent is so heavy you've no clue what they are saying. The customer service is now sub-par and the people on the other end of the phone are not helpful at all but condescending and outright rude. On top of that I was lied to on two separate occasions about deferring a payment. Can't get a straight answer out of these people for anything and to boot you can't find an American to deal with whom you can understand either. All the way around this company has just dropped dramatically in my estimation. My problem remains unresolved.

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.[Provide details of why you are not satisfied with this resolution.]

Regards,[redacted] THERE HAS BEEN NO ATTEMPT BY [redacted]/GOFINANCIAL TO OFFER ANY MEANS OF A RESOLUTION. I have documents where they have asked me to sign release forms protecting them from unlawful transfer of funds, illegal repossession, etc the docs go as far as stating if in public and asked about the situation that I could not state what went on but only state to anyone that it was resolved. I will email you the document and/or repo order stating reason for repo was an overdue fee of $265.00 which was not true. [redacted]/ GOFINANCIAL STATED VIA PHONE CONVERSATION THAT IT WAS NOT TRUE EITHER.

Good Morning,
Attached is copy of rebuttal response.
Happy Holidays

Customer Service Resolution Specialist.
 
 December 7, 2015[redacted] Revdex.com[redacted]Fax ###-###-####  RE: Complaint No.  [redacted]       [redacted] Dear Ms. [redacted]: Thank you for forwarding our customer’s additional comments. We 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 support. Should you have any questions or concerns, please contact us by calling us at ###-###-####.  Sincerely,  GO Financial Customer Service Resolution Specialist Direct Line: ###-###-####Fax: ###-###-####

January 8, 2015Lyndsey MullensRevdex.com Ph. ###-###-####Fax ###-###-####Re: Complaint # [redacted]      Dear Ms. Mullens;Thank you for bringing this matter to our attention. We appreciate the opportunity to address our customer’s concerns. On July 1, 2014, our customer entered into a retail installment contract when he purchased a 2004 Pontiac Grand Prix. Included you will find the retail installment contract for your reference. If a payment is made on or before the due date, the payment will be applied towards interest first and the remainder will be applied to the principal balance.  Our customer’s concerns helped us identify a system issue that caused the misapplication of account payments. On November 19, 2014 we reviewed our findings with our customer and we agreed to an amicable resolution.  We back dated all payments for our customer’s account to be applied on the date the payments were received. Attached is a copy of our customer’s payment history. As a goodwill gesture, GO financial has mailed our customer a $25 [redacted] gift card.  Go Financial thanks the Revdex.com for their ongoing support. Should you have any questions or concerns, please contact us by calling us at ###-###-####.Sincerely Go Financial Customer Service