Go Financial Collections Complaints.Stop the annoying debt collection calls!

In this day and age, the average American is more likely to be swamped in debt since jobs pay extremely less and people have to rely on loans. However, that can become a pain if you are unable to pay off your debt. Your creditors will hire debt collectors, such as Go Financial, to get their money back or the debt collectors may even buy your debt from the creditor.

Are You Being Called By Go Financial? Here’s what you need to know

Many people tend to panic when they see calls from debt collection agency. They do not know the right response but they do not want to feel pressured either. Debt collection companies can get extremely rude and threatening if you do not pay off your debt. However, if only consumers knew their rights, they would know that these agencies have no right to engage with consumers in this way.

What is Go Financial?

Many customers have been harassed by Go Financial for paying up an outstanding debt. If you need any help, we are here. For those who don’t know anything about this company, here is everything you need to know.

Go Financial is a company offering financing solutions. This is an indirect finance company operating in 46 states. It is a subprime lending program providing financing, collections, and underwriting. In 2011, the company was founded with the aim to offer excellent financial services. The headquarters of the company is in Mesa, Az. The number of employees of the company ranges from 200 to 500.

Complaints of Customers

There are 63 closed complaints in the 3 years while 18 complaints were closed in the 12 months. The customers are frustrated by the rude and unprofessional behavior of the representatives of the Go Financial. We have listed some of the complaints made by their customers.


One user stated that their account has NFS fees because of identity theft and fraud. They mentioned they have provided documents to prove their identity. Still, the company is charging them to pay the fees. When they didn’t pay, the company blocked their payments online and said it will be unblocked when they pay the fees.

The customer had a surgery and asked the company if they can pay at the end of the loan. The company refused to do so. The customer was supposed to make payments online but was unable to do because their account was blocked. They had to go out for payments because they didn’t accept American Express.

A customer was furious and had a complaint against the unprofessional behavior of the company. The customer financed a car though Go Financial and never paid the amount late. One time the payment was delayed, and the customer talked to the company. The representative agreed that this late payment will not be reported and won’t be shown as late in the credit report. Once the payment was made, the company reported it as a late payment. When they talked to the representative, they were not helpful and stated they can’t do anything.

Another consumer went through a lot of difficulties and troubles because Go Financial debited their account. This resulted in 2 overdraft fees. There was a problem with the site of Go Financial as it didn’t show any pending payments. Thinking their payment has been canceled they again made the payment. The second payment couldn’t be canceled. When contacted the representative of Go Financial, they were told they cannot refund the payment.

A customer claimed they paid $5000 on their car note payment out of $9000. However, the company said they still owe $8000. This was a huge mistake made by Go Financial. The issue was resolved and as a goodwill Go Financial credited the customer’s account by $25.

How to Know if the Debt Collection Agency Calling You is Scam?

When you get a call from Go Financial, do not panic and remain very calm. Do not lose your wits as debt collectors very much count on that. To tell whether a debt collector is legitimate, follow these few tricks:


  • Instead of the so-called debt collector asking you questions, make sure you start asking them questions as well. Ask for more information, which company they belong to, what their company name and logo is, etc. Make sure not to confirm any information like your bank account number or where you live. Ask them what the debt is about and which company has issued it and what the basis for the debt is. If they cannot provide you with any reasons or do not provide you with their company name or number, that should set off some red flags.
  • As soon as you receive your first call from the Go Financial, you should receive a written confirmation of the debt from them. The letter should include the debt collection agency name, it should have a few of your rights listed, a mailing address, etc.
  • Do your research. There are times when the debt collecting agency may be legitimate but not your debt. They tend to make mistakes. Search on Google for the company and verify whether it is an actual debt collection agency. Check your state attorney general’s office to check whether this agency is verified and is licensed. You may also find the number of complaints filed against this debt collection agency. Moreover, once you know that the debt collecting agency is legitimate, contact them, because sometimes some people may pretend to be working with the collection agency.
  • Check your credit report. You will get a quick view of the debts you owe, to whom you owe, how much you owe and the like. If someone calls you out of the blue to tell you that you have some unpaid debt and it is not mentioned on the credit report, chances are that it is a scam.
  • Check the statute of limitations. If it has expired, the Go Financial cannot ask you to pay stale debt. Do not reaffirm anything verbally which may lead you to restart the stale debt.

Contact Information

7300 E Hampton Ave Ste 102
Mesa, AZ 85209-3324
Telephone: (877) 235-9900

Understand Your Debt Collection Rights and Fight Go Financial

When Go Financial comes knocking at your door, the first thing to do is to search for your rights in the Fair Debt Collection Practices Act 1977. This statute was specifically enacted to protect consumers from illegal actions taken by debt collection agencies such as harassment, threatening to sue, threatening family members, coming to your home in disguise, etc. The key provisions of the FDCPA 1977 are:

  • Protection against harassment: abusive phone calls, excessive phone calls, threats, violence.
  • You have the right to sue either the whole debt collecting company or just the individual
  • You can ask for proof of debt
  • You can ban debt collectors from calling you at inconvenient times or at work. You can even ban them altogether.
  • They CANNOT blab about your debt to other people. The debt should remain between you and the debt collection agency.

When Go Financial contacts a consumer for the first time, they have to give them a ‘mini-Miranda’ which is basically a full disclosure. In the ‘mini-Miranda’ the consumer must be told of their right to dispute the debt, the name of the company, the amount and the right of the consumer to ask for verification of the debt. They have to send you all of this information in writing 5 days after the call.

If a consumer decides to dispute the debt, they have to make sure to send a letter in writing to the Go Financial collection agency. The letter must be sent within 30 days of the call. Till then the calls and messages from the collectors must halt. Once your debt is verified, the company will continue the collection of the amount. If not, they must cease to collect the amount.

If the company badgers you with constant calls at inconvenient times or at work, you can send them a cease communication letter. They cannot contact you during the specified time you mention, can only contact through letters or you can ask them to stop contacting at all. If they have to contact, it will only be to tell you whether the debt has been finished or whether the creditor is filing a law suit against the consumer.

If Go Financial uses abusive or threatening language or harm the consumer in any way, it is illegal under federal law. They cannot call you to abuse you, use profane or offensive language, threaten you or your property or your family. They are not allowed to call the consumer or their family from different numbers, silent phone calls or anything of the like is also illegal.

If anyone from debt collection agency shows up to your home in the uniform of a police officer or claim to be an attorney of the creditor, that is completely illegal. Moreover any kinds of threats to seize the consumer’s property or other assets or have them thrown to jail is also illegal.

Avoid sending personal checks. This may give debt collectors your routing number and account number, allowing them to take out money as they please.

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It is important to know your rights.

What you have to remember about debt collecting companies

The reason why debt collectors are hired is because they are persuasive, almost to the point where it starts counting as harassment and threatening. Since many people do not know of their rights against debt collecting agencies, they feel pressured to pay off the debt and become broke or depressed.

Something which you need to know is that it is in the debt collector’s best interests that they pressure you enough to crack you and get you to pay money. This is because your creditor who hires them pays them on commission basis. The earlier they get the money out of you, the higher the commission they get. If you do not pay your debt, your creditor may fire them. Which is why at times debt collectors may even accept a small amount just so they can get their commission quickly.