Good Sam Finance, Bank of the West DBA Essex Credit Corp
Hello Fellow GS Members,
I wanted to share with you the frustration we have gone through in using the GS finance. The company in the subject line is terrible and I would not recommend them to anyone. I was finally able to complete the last process in purchasing a motorhome (started the process 4/6/2021) which was completing the licensing and title yesterday and now have my license plate and registration which after several emails and voice mails to Essex went unreturned.
I was getting ready to call on Tuesday again, try a customer support number different from the loan adviser when my phone rang and it was a 3rd party MVD company asking me if I was purchasing an RV and if I had provided a VIN verification and I said no, that I was attempting to find out where the lender was in the process of the title and registration. They mentioned they had received the required information from the lender and needed to verify the VIN about 2 weeks ago and thought since I lived in the same town they would try and reach out to me before sending everything back as the documentation was missing the VIN verification. I was very thankful they called as Essex had not reached out to me at all informing to contact this company.
Here is an email that I sent to GS, Mr. Lemonis has a statement on everything they send stating that if your not happy he isn't happy. I would say that within an hour after emailing him Essex Credit called me to let me know where were in the process and the next steps to complete the loan....never heard from them after that, just received loan documents that needed to be notarized about a month later. Returned them and much later found out our loan had funded. Then nothing again from Essex. I have since renewed my membership with GS, but do worry about all the other products they offer, if they all operate like the finance department, GS is in serious trouble. I know this is lengthy and I am sorry. Here is the letter I referred to:
Good Morning Sir,
I am emailing you regarding the Good Sam Finance company that represents the Good Sam name and how they are dragging it through the mud. Essex Credit Corp. a division of Bank of the West is really doing the Good Sam name an injustice. I applied for a loan with them on or about 4/6/2021 and finally received an approval on 4/10/2021. As you know RV sales are up extensively and are selling quickly, so while waiting on the determination the motorhome we were wanting to purchase sold. We had found another one that was a private party sale and I emailed Good Sam Finance to ask if they loaned on private party sales as some lenders don’t, and by the time we received a response approximately 7 days later, that Motorhome along with a couple others has sold as well.
I have currently found one and have submitted the required documentation and information and now my concern is that they will actually fund the loan prior to the purchase agreement expiring on 2 June, 2021. If the loan isn’t complete by then we stand to loose $5K in earnest money. This company carrying the Good Sam name does not respond to emails in a timely fashion and has yet to return a phone call which we have left several over the last month. Very disappointing. We choose this finance company since they did have the Good Sam name thinking we would be in the best hands and have found that to be so far from the truth that is it pathetic. I do know Essex Credit is probably extremely busy and their website says to allow 24-48 hours for a response, however, as mentioned it is taking 7-8 days to receive a response by email, we have given up on them responding via telephone call. Sad part is I mentioned I went with the Good Sam name but should have done some research, this link will take you to the BBB and you can see, there are several complaints for the same reasons; https://urldefense.proofpoint.com/v2/url?u=https-3A__www.bbb.org_us_ca_san-2Dramon_profile_loans_essex-2Dcredit-2Dcorporation-2Da-2Ddivision-2Dof-2Dbank-2Dof-2Dthe-2Dwest-2D1116-2D51443_customer-2Dreviews&d=DwIFaQ&c=gNE65dwZP0Hcfcb645T97wzOPK9u7T1np0JNzEfNCyI&r=zbwRy7tGidDNXifiUBj0_TsRlNEe7Vy9z8YiY6mhmB0&m=8hiVZ35RyTTWAma4rm-tsO4XF42DouaT64-wziIPcSI&s=QJRsTG0FkShn_B3sICW4gMdPXan7haFF3W7SwWc9ppY&e=
I mention all this because we were Good Sam members (we sold our last RV 3 years ago), our membership lapsed a year ago as we were not sure if we would purchase another RV. Well, that has changed and are hoping to purchase one provided the funding gets some attention and approved due to the lack of attention and us being updated on or if the loan is being processed. My concern is that we placed our faith in the Good Sam name, we had every intention of renewing our membership again and taking advantage of all the wonderful products and protective services the Good Sam Club offers, however, we are not sure that we can do that now for fear of poor customer service with all Good Sam affiliates based on the Good Sam finance model. If Essex Credit Corporation is setting the standard, then sir, the Good Sam Club is headed for disaster.
Our loan should be simple, we have a 0 debt to income ratio and are platinum with our credit score, however, we may not know as they don’t communicate. I do hope that you will look into Essex Credit Corp and hopefully make adjustments for future buyers and club members. We do look forward to your response. Have a wonderful day.
SFC (RET) Stephen and Nancy (removed last name)
Below is the response from Mr. Lemonis' camp.
Hello,
Thank you for your time and email.
I have escalated this over to the correct leadership team, requesting they follow-up.
Please let me know if I can further assist!
Thank you,
Venesa
Marcus VIP Customer Care Team
Camping World/Gander Outdoors Customer Care
Englewood, CO 80112
Thank you for reading the entire post. I hope this helps others looking to finance an RV with Good Sam Finance.
I wanted to share with you the frustration we have gone through in using the GS finance. The company in the subject line is terrible and I would not recommend them to anyone. I was finally able to complete the last process in purchasing a motorhome (started the process 4/6/2021) which was completing the licensing and title yesterday and now have my license plate and registration which after several emails and voice mails to Essex went unreturned.
I was getting ready to call on Tuesday again, try a customer support number different from the loan adviser when my phone rang and it was a 3rd party MVD company asking me if I was purchasing an RV and if I had provided a VIN verification and I said no, that I was attempting to find out where the lender was in the process of the title and registration. They mentioned they had received the required information from the lender and needed to verify the VIN about 2 weeks ago and thought since I lived in the same town they would try and reach out to me before sending everything back as the documentation was missing the VIN verification. I was very thankful they called as Essex had not reached out to me at all informing to contact this company.
Here is an email that I sent to GS, Mr. Lemonis has a statement on everything they send stating that if your not happy he isn't happy. I would say that within an hour after emailing him Essex Credit called me to let me know where were in the process and the next steps to complete the loan....never heard from them after that, just received loan documents that needed to be notarized about a month later. Returned them and much later found out our loan had funded. Then nothing again from Essex. I have since renewed my membership with GS, but do worry about all the other products they offer, if they all operate like the finance department, GS is in serious trouble. I know this is lengthy and I am sorry. Here is the letter I referred to:
Good Morning Sir,
I am emailing you regarding the Good Sam Finance company that represents the Good Sam name and how they are dragging it through the mud. Essex Credit Corp. a division of Bank of the West is really doing the Good Sam name an injustice. I applied for a loan with them on or about 4/6/2021 and finally received an approval on 4/10/2021. As you know RV sales are up extensively and are selling quickly, so while waiting on the determination the motorhome we were wanting to purchase sold. We had found another one that was a private party sale and I emailed Good Sam Finance to ask if they loaned on private party sales as some lenders don’t, and by the time we received a response approximately 7 days later, that Motorhome along with a couple others has sold as well.
I have currently found one and have submitted the required documentation and information and now my concern is that they will actually fund the loan prior to the purchase agreement expiring on 2 June, 2021. If the loan isn’t complete by then we stand to loose $5K in earnest money. This company carrying the Good Sam name does not respond to emails in a timely fashion and has yet to return a phone call which we have left several over the last month. Very disappointing. We choose this finance company since they did have the Good Sam name thinking we would be in the best hands and have found that to be so far from the truth that is it pathetic. I do know Essex Credit is probably extremely busy and their website says to allow 24-48 hours for a response, however, as mentioned it is taking 7-8 days to receive a response by email, we have given up on them responding via telephone call. Sad part is I mentioned I went with the Good Sam name but should have done some research, this link will take you to the BBB and you can see, there are several complaints for the same reasons; https://urldefense.proofpoint.com/v2/url?u=https-3A__www.bbb.org_us_ca_san-2Dramon_profile_loans_essex-2Dcredit-2Dcorporation-2Da-2Ddivision-2Dof-2Dbank-2Dof-2Dthe-2Dwest-2D1116-2D51443_customer-2Dreviews&d=DwIFaQ&c=gNE65dwZP0Hcfcb645T97wzOPK9u7T1np0JNzEfNCyI&r=zbwRy7tGidDNXifiUBj0_TsRlNEe7Vy9z8YiY6mhmB0&m=8hiVZ35RyTTWAma4rm-tsO4XF42DouaT64-wziIPcSI&s=QJRsTG0FkShn_B3sICW4gMdPXan7haFF3W7SwWc9ppY&e=
I mention all this because we were Good Sam members (we sold our last RV 3 years ago), our membership lapsed a year ago as we were not sure if we would purchase another RV. Well, that has changed and are hoping to purchase one provided the funding gets some attention and approved due to the lack of attention and us being updated on or if the loan is being processed. My concern is that we placed our faith in the Good Sam name, we had every intention of renewing our membership again and taking advantage of all the wonderful products and protective services the Good Sam Club offers, however, we are not sure that we can do that now for fear of poor customer service with all Good Sam affiliates based on the Good Sam finance model. If Essex Credit Corporation is setting the standard, then sir, the Good Sam Club is headed for disaster.
Our loan should be simple, we have a 0 debt to income ratio and are platinum with our credit score, however, we may not know as they don’t communicate. I do hope that you will look into Essex Credit Corp and hopefully make adjustments for future buyers and club members. We do look forward to your response. Have a wonderful day.
SFC (RET) Stephen and Nancy (removed last name)
Below is the response from Mr. Lemonis' camp.
Hello,
Thank you for your time and email.
I have escalated this over to the correct leadership team, requesting they follow-up.
Please let me know if I can further assist!
Thank you,
Venesa
Marcus VIP Customer Care Team
Camping World/Gander Outdoors Customer Care
Englewood, CO 80112
Thank you for reading the entire post. I hope this helps others looking to finance an RV with Good Sam Finance.
