Gateway One Lending & Finance or GOLF is a wholly-owned subsidiary of TCF National Bank, which is wholly-owned subsidiary of TCF Financial Corporation, a publicly held and traded company. GOLF operates as a third-party auto loan company based in California. GOLF has received consumer complaints alleging violations such as improper communication and collection tactics. If you have been contacted by Gateway One Lending & Finance, make sure you understand your rights before taking action.
According to the Better Business Bureau (BBB), Gateway One Lending & Finance was registered as a Delaware limited liability company in 2007. The BBB’s profile page lists GOLF as a consumer finance company.
GOLF’s website states that Gateway One Lending & Finance “is a leader in the indirect auto finance marketplace.” It has “built strong relationships with dealers across 40 states, and counting.” The dealers GOLF works with refers to the company as a “common sense” lender “that is available 7 days a week, 24 hours a day.”
The Gateway One Lending & Finance website provides information for car dealers and information for car buyers. Its dealer pages inform site visitors that with GOLF, auto dealers “will find a full credit spectrum product with flexibility and competitive rates.” The dealers that work with GOLF enjoy a “personal experience” rather than “the typical computer driven approval”, and “sound credit underwriting and superior funding turn times” that make GOLF “one that builds on long term relationships.” The dealer pages also provide dealer application process steps. Dealers can obtain more information or initiate their application to partner with GOLF by contacting the company.
The car buyer pages are limited to information about payment options, a customer portal, and FAQs that answer questions about payments, payoffs, insurance, titles, updating personal information, website security and access, and credit reporting issues.
The GOLF website does not provide a lot of detailed information about its business practices or compliance policies. It does include standard, legally mandated information about information privacy and security.
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The BBB has closed 105 complaints against Gateway One Lending & Finance in the past three years, with 58 closed in the past 12 months. Most of those complaints allege problems with billing, collections and customer service. The Consumer Financial Protection Bureau (CFPB) groups complaints it receives against GOLF with other complaints received against TCF National Bank. Since December 2011, the CFPB has received 1498 complaints about TCF National Bank, at least 7 of those complaints listed GOLF explicitly, more than 120 involved car loans, and at least 19 were about auto loan collection issues. Justia lists at least 23 federal civil lawsuits involving GOLF, including several lawsuits alleging that Gateway One Lending & Finance violated the Fair Credit Reporting Act.
Absolutely. Here are some Sample Cases against Gateway One Lending & Finance.
According to the BBB website, complaints against Gateway One Lending & Finance raise problems with billing, collections, customer service, improper credit reporting and harassing communications. Consumers also complain that they are unable to obtain title after payoffs, and that they are unable to resolve loan payment problems even after following the direction of company employees. The 21 negative reviews on GOLF’s BBB profile support these allegations.
In December 2017, a complainant indicated that Gateway One Lending & Finance was holding her title information “hostage” and causing her to be “non-compliant” with the law. The complainant, who financed her car loan through GOLF, alleged that she was unable to title her car after hurricane damage to her home forced her to move from Florida to Ohio because GOLF failed to comply with her requests or requests faxed from the Ohio Department of Motor Vehicles to Gateway One Lending & Finance for title and information. According to the complainant, Gateway One Lending & Finance did not respond to requests and instead sent the requests to an online third-party company.The third-party company charged fees to obtain the needed title information, consistently had errors when the complainant tried to process online payment, forcing her to call and incur additional “fees” to process payment over the phone. The complainant alleged further that she learned that she should not be charged fees to have title information sent directly to a requesting government agency. The complainant indicated that GOLF’s actions were “wrong and dirty business.”She also questioned GOLF’s A+ BBB rating, which Gateway One Lending & Finance “proudly displays”on its website,in light of the many negative reviews and complaints filed against the company.
In October 2017, a complainant indicated that Gateway One Lending & Finance called him about his brother’s car loan to “intimidate” and “harass” the complainant on behalf of his brother. The complainant alleged that he has no loan or other business with GOLF, but only acted as a “reference” for his brother in connection with his brother’s car loan through GOLF. Gateway One Lending & Finance nevertheless contacted him “two days in a row asking to contact his brother” without even first attempting to contact his brother. According to the complainant, his brother “has not only paid every monthly installment on time”, but intentionally overpaid “to lower his principle faster” only to learn that the company did not apply the overpayments to his principle as he requested. When the complainant asked the Gateway One Lending & Finance representatives why they had called him rather than his brother, the representatives “harassed him as if trying to make a collection call.” The complainant indicated that GOLF’s “business practices are horrendous” and that his brother is in the process of refinancing “to get away from this horrible company.” The complainant questioned how it was possible that this company had an “A+ 100% rating” on the BBB website given the number of negative comments and complaints against it and reiterated that the company tried to “intimidate” him, company representatives were “rude” to him, and the company has “deplorable” business practices.
Gateway One Lending & Finance, LLC
160 N Riverview Drive #100
Anaheim, CA 92808
Telephone: (888) 810-8740
Understanding Your Debt Collection Rights
Consumers are protected from abusive debt collectors from the Fair Debt Collection Practices Act (FDCPA). By way of instance, the debt collector must identify himself or herself, who they’re working for, and what debt they’re collecting. The FDCPA claims that debt collectors can’t use any deceptive or misleading representation, like implying the debt is secured by the USA or any particular state. Additionally, they can’t use a badge or uniform to pretend they’re a government employee collecting a debt. Misrepresentation is a violation of the FDCPA and could be reported as such.
In case you’ve been a victim of a debt collector’s wrongdoing, then you can search for justice under the FDCPA. You have the right to pursue a claim against the debt collector; if you prevail, you can collect up to $1,000, plus attorney fees and court costs.
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are recieving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, a lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200.
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