Consumer complaint received 2017-05-30
Company: TCF NATIONAL BANK
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
First I would like to say as a whole Gateway One Lending feels like they are untouchable and create there own rules and persistently violates federal banking laws which I will disclose below. # 1. Gateway One several years back fraudulently and without my knowledge or consent opened a bank account in my name with TCF Bank, When I contacted them about this issue I was told by there staff that this was a partner bank of Gateway One and was told " Why am I upset I am free to use the account they even put {$5.00} in it as goodwill '' I Informed there staff that I do not care about {$5.00} that is is illegal it amounts to identify theft as no where in my contract did I ever grant them power of attorney to open the account, I was then informed that they were in the process of merging and if I closed they account they would refuse to take payments and then force repossession. # 2. After you are a day late they begin to harass my self, my employer, friends and family even after being demanded never to contact those locations again by both email and verbal calls. on some days they would call 9 times through the day they would also disclose the reason they are calling to family and friends. # 3 Gateway One illegally stalks and calls random people if they believe there is a link between myself and them for example in Florida there happens to be a few other families with the same last name as myself we have no relation to one another, we do not live in the same city and have never shared an address but we have met each other I was informed by them that Gateway One had called them expelling they are a debt collector looking for myself, They have also called distant relatives that were never placed on my loan as contacts can called them multiple times ( 1 of which is a high ranking  XXXX  with the State of Florida  XXXX  ) even after I instructed them and sent emails to stop, They have even gone as far as calling friend or affiliates and telling my employer all after being told not to call we had 2 high ranking members of my employer ask them never to call again and that never stopped them. # 4 they lock your account from online payments once you are near 30 days past due to charge you an additional late fee, interest, and then they charge you a phone payment fee because they block your account from online payment In a sense they double charge you a late fee because they will only accept a phone payment once you are late then they charge you to make a phone payment. # 5 even if you make a payment on time they will mark your credit report as late on 4 occasions I have had to dispute wrong information on my report all thought once the dispute was sent out by   XXXX   they corrected on 1 instance they did not and when I called they requested me make a payment before the due date if I wanted assitance. # 6 they changed my due date several times without my permission. # 7 they will send a statement with incorrect or misleading information such as due dates and they will often send a statement many days after the payment was due sometimes even a month after the payment was due you will get a statement that says printed date for example  X/XX/2017  then it will say for example due date  X/X/2017  so if you make a payment you will owe a late fee, interest and there hidden phone payment fee. # 8 I have always sent {$15.00} extra on every payment but somehow all that extra payments vanish into air, they were instructed by me to place all extra payments towards principal not to just apply to next payment. # 9 I refused Gap coverage at the dealership (   XXXX   XXXX   XXXX   ) I was then told 72 hours later I had to come back and accept gap coverage or I had to return the card to the dealership and forfeit the down payment so I was bullied into taking the coverage I was then told I could cancel it within 30 days for a full refund but when I called gateway on the refused and told me it was required on each loan or face repossession so I sent a formal letter but it wen unanswered just like every other request made to them weather its by email, on there website contact button, via postal mail or by phone they do what they want I have kept copies of all emails & traditional mail sent, I have lost thousands of dollars dealing with these swindlers, I have been embarrassed by all there calls and defamation, I have been a victim of identify theft by them opening an account I have been unaware of and who knows what else I will find, I have been waiting to make a report but one time I threatened to make a report and Gateway One staff mad e threat to me that any reports to government agencies will result in them refusing payments while the investigate complaint and will result in repossession. I have made my final payoff today that 's why I feel safe to make a report without fear of retaliation, like I was threatened. And also if you try calling them from one of our company recorded lines they will refuse to talk to you. I would like the government to take action so no other American has to be a victim of this company. I would be more then happy to appear at any court hearing against Gateway One. I will also be reporting this to all attorney generals in states they do business as will any other regulatory agency that overseas them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation