Gateway One Lending & Finance LLC or GOLF is a subprime auto lending company, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is Gateway One Lending & Finance – GOLF?
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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How many complaints are there against Gateway One Lending & Finance – GOLF?
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.
Can you help me file a No Fee Lawsuit against Gateway One Lending & Finance LLC?
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 Contact Information
Gateway One Lending & Finance, LLC 160 N Riverview Drive #100 Anaheim, CA 92808 Telephone: (888) 810-8740 Website: http://www.gatewayonelending.com/
Gateway One Lending & Finance Calling You?
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.
Want to Stop Gateway One Lending & Finance Debt Collection Harassment Now?
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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“I want to thank you and your team for all of the help you have provided to me. Honestly, you have a excellent staff who has dealt professionally and been very empathetic at one time in my life once I hit a speed bump.”
Can You Help Me Delete Gateway One Lending & Finance from My Credit Report?
We can absolutely help. Call us today.
Can Your Firm Help me Deal with Gateway One Lending & Finance?
The short answer is yes. Contact us now to find out more.
Sound Off!
Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.
About the Author:
Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
My name is Russell Edward Ladd, customer ###. On March 3, 2012 I purchased a Toyota Scion Xa, stock ###, Deal ###, from Toyota Scion of Cool Springs, 1875 W McEwen Drive, Franklin TN 37067. The vehicle Vin # is ###. The sales representative at the time was Trent A. Denson and the contract # is ###.
The vehicle was financed by Gateway One Lending & Finance, 160 N Riverview Drive, Suite 100, Anaheim, CA 92808. I did not receive a title, I am unable to get Toyota of Cool Springs, 1875 W. McEwen Dr. , Franklin, TN 37067, to assist with this process.
The Retail Installment Sale Contract shows Toyota Scion of Cool Springs, 1875 W McEwen Drive, Franklin TN 37067 as the Credit-Seller.
The beginning payment started on April 17, 2012 and ended April 17, 2017. I honored the contract, paying in full, but never received a title for my purchase.
The purpose of this contact is to request a Discharge of Lien.
Please assist with this request!
Patricia A
I have been paying on a car thst i gave back to rig way because it was junk and i am paying on throw a company called gate way i have been paying on this cat for two six months don’t have money to give them on this payment this what can happen and how soon
Adrianne R
Have called Gateway One for 2 days in a row because they repossessed my car while I was in the bankruptcy process and I could not get in touch with anyone on the first day had to leave several messages. But I never received a notification that they were going to repossessed my car or I would have called and let them know again I was in bankruptcy, so for 2 days I have been trying to get my car back and I can’t get in contact with anyone in the legal department now its Friday so I have to go all weekend without my car. I am not sure who dropped the ball on this but this is very unprofessional and I don’t understand how Gateway One gets away with doing people like this, something needs to be done.
Anthony
They have had people come to my house at night and leave notice. My wife came home and seen a letter on the front door today . My car payment is due on the 16th, I am only 4 days late. I work 12 hour days and they continuously call ,never experienced anything like this. This is the worst company, I advised no one to ever use them . I would refinance but only have a little over a year to deal with these people.
Michael
Was a little over a month behind on a car payment. Went onto the website and paid the “minimum payment due” amount. A week later I got a credit alert saying the account is going to collections. This does not seem accurate. My credit score dropped 70 points and may interfere with me getting a new job. I’ve had the car for 6 years and only owe $80 before the account is paid in full. What was the minimum payment for if the account was going to go to collections for the remaining $80? By making the minimum required payment, shouldn’t that stop the account from being delinquent? I plan on calling tomorrow to pay off remaining balance to get this off of my shoulders. I would like to know if there is any legal action I can take against Gateway One.
Amanda N
They harassed me while I was one month behind on my payment. Then when I asked for a few skipped payments they kept telling me they never got paper work and I filled it out 3 times faxed and mailed it in. They have given the the hardest time and their friendly foriegners who are customer service are not very friendly and they will hang up the phone on you.
anne
if gateway one is gone under how do you obtain your balance and title?
Christine G
I need help due to the fact that I have been with gateway one finance and lending for three years.the first year was fine then the second and third year came nad I got nothing but unprofessional reps handling my account. I’ll call in and wanting to schedule a payment to get caught up on the money owed and I get no where’s.ive even had there collections Dept call me at 9:00 at night due to the fact that the repo didn’t do there job and notate my account with payment arrangements.im really getting tired of them and really would like help getting away from them
Allison K
They repossessed my car at my job with my purse in the car. I have made numerous attempts of calling & e-mails to their office concerning a payment program for the past due balance & the need to retrieve my personal belongings that were in the car. I have yet to receive a reply of any sort. It has been 2 weeks so far. Please help!!!
Anits
They repo my truck for 30 days late. Then found out that they company went under. Will like to take them off my credit report. Have more issue with.
Greeting,
My name is Russell Edward Ladd, customer ###. On March 3, 2012 I purchased a Toyota Scion Xa, stock ###, Deal ###, from Toyota Scion of Cool Springs, 1875 W McEwen Drive, Franklin TN 37067. The vehicle Vin # is ###. The sales representative at the time was Trent A. Denson and the contract # is ###.
The vehicle was financed by Gateway One Lending & Finance, 160 N Riverview Drive, Suite 100, Anaheim, CA 92808. I did not receive a title, I am unable to get Toyota of Cool Springs, 1875 W. McEwen Dr. , Franklin, TN 37067, to assist with this process.
The Retail Installment Sale Contract shows Toyota Scion of Cool Springs, 1875 W McEwen Drive, Franklin TN 37067 as the Credit-Seller.
The beginning payment started on April 17, 2012 and ended April 17, 2017. I honored the contract, paying in full, but never received a title for my purchase.
The purpose of this contact is to request a Discharge of Lien.
Please assist with this request!
I have been paying on a car thst i gave back to rig way because it was junk and i am paying on throw a company called gate way i have been paying on this cat for two six months don’t have money to give them on this payment this what can happen and how soon
Have called Gateway One for 2 days in a row because they repossessed my car while I was in the bankruptcy process and I could not get in touch with anyone on the first day had to leave several messages. But I never received a notification that they were going to repossessed my car or I would have called and let them know again I was in bankruptcy, so for 2 days I have been trying to get my car back and I can’t get in contact with anyone in the legal department now its Friday so I have to go all weekend without my car. I am not sure who dropped the ball on this but this is very unprofessional and I don’t understand how Gateway One gets away with doing people like this, something needs to be done.
They have had people come to my house at night
and leave notice. My wife came home and seen a letter on the front door today . My car payment is due on the 16th, I am only 4 days late. I work 12 hour days and they continuously call ,never experienced anything like this. This is the worst company, I advised no one to ever use them . I would refinance but only have a little over a year to deal with these people.
Was a little over a month behind on a car payment. Went onto the website and paid the “minimum payment due” amount. A week later I got a credit alert saying the account is going to collections. This does not seem accurate. My credit score dropped 70 points and may interfere with me getting a new job. I’ve had the car for 6 years and only owe $80 before the account is paid in full. What was the minimum payment for if the account was going to go to collections for the remaining $80? By making the minimum required payment, shouldn’t that stop the account from being delinquent? I plan on calling tomorrow to pay off remaining balance to get this off of my shoulders. I would like to know if there is any legal action I can take against Gateway One.
They harassed me while I was one month behind on my payment. Then when I asked for a few skipped payments they kept telling me they never got paper work and I filled it out 3 times faxed and mailed it in. They have given the the hardest time and their friendly foriegners who are customer service are not very friendly and they will hang up the phone on you.
if gateway one is gone under how do you obtain your balance and title?
I need help due to the fact that I have been with gateway one finance and lending for three years.the first year was fine then the second and third year came nad I got nothing but unprofessional reps handling my account. I’ll call in and wanting to schedule a payment to get caught up on the money owed and I get no where’s.ive even had there collections Dept call me at 9:00 at night due to the fact that the repo didn’t do there job and notate my account with payment arrangements.im really getting tired of them and really would like help getting away from them
They repossessed my car at my job with my purse in the car. I have made numerous attempts of calling & e-mails to their office concerning a payment program for the past due balance & the need to retrieve my personal belongings that were in the car. I have yet to receive a reply of any sort. It has been 2 weeks so far. Please help!!!
They repo my truck for 30 days late. Then found out that they company went under. Will like to take them off my credit report. Have more issue with.