GM Financial

June 20,
Re: Complaint ID: ***
*** *** ***
Dear Ms***
Thank you for the correspondence sent to the Revdex.comI would like an opportunity to address your concerns, however additional information is requiredAt your earliest convenience, please
forward me your full GM Financial account number or social security numberUpon receipt of this information I will research this matter
Sincerely,
GM Financial

December 5,
Re: Complaint ID: ***
*** ***
Dear Ms***,
Thank you for the correspondence sent to the Revdex.comWe have reviewed your concerns and would like to offer the following information
As of the today's
date, our records indicate that we have made numerous attempts to reach you and advise that we are still in need of the final repair bill from the body shopThis can be faxed to ***Once the needed documents have been received by GM Financial, a check will be overnighted to the body shop
Should you have further questions or require any additional assistance, please contact us at ***
Sincerely,
GM Financial

June 26,
Re: Complaint ID: ***
*** ***
Dear Ms***,
Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information
Please be advised, your GM
Financial account ending in *** has been corrected and reflects the next payment due date is July 26, As of the date of this letter, please note there have been no derogatory marks reported to the credit agencies
We apologize for any inconvenience this situation may have causedShould you have any further questions or require additional assistance please contact GM Financial at ###-###-####
Sincerely,
GM Financial

September 6, 2017 RE: Complaint ID: *** *** *** Dear Ms***:Thank you for forwarding the correspondence sent to the RevDex.comWe have reviewed your concerns and would like to offer you the following informationOn October 11, 2010, you signed a retail installment sales contract for the Mercedes Ein the amount of $28,at an interest rate of 14.25%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning November 10, The contract is a simple interest contract which means interest accrues daily on the unpaid principal balanceIn review of the account activity and payment history, more of your monthly payments were applied to accrued interest due to payments being made after the scheduled due dateIf all payments are paid by the due date, the account would have been paid in full on the contract maturity datePlease note that GM Financial places a high priority on adhering to all state and federal lawsThe state of Florida does not require cure notices to be sent prior to submitting the account for repossessionOn June 1, 2017, the decision was made to place the vehicle out for repossession, as the account balance became due on May 1, 2017, was not paid in full and as allowed by your contract. As per your contract, upon default, GM Financial may require you to immediately pay the remaining unpaid balance of the amount financed, credit service charges and all other agreed chargesThe “Notice of Our Plan to Sell Property” also explained that you would be required to pay the difference between the amount you owe and what the vehicle sold for, plus expensesThe “Deficiency Calculation” letter which outlines the calculations of the deficiency amount was mailed to your address of record on June 6, to inform you of the remaining balance owed after the sale of the vehicle at auction Copies of your contract and account payment history where mailed for your reference to the home addressShould you have any further questions or require additional assistance regarding your GM Financial account, please feel free to contact GM Financial directly at *** Sincerely, GM Financial

December 22,
Re: Complaint ID: ***
*** ***
Dear Ms***,
Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
Please be advised numerous efforts were made to contact you with regard to the status of the account prior to the last contact made on August 29, and after that dateThe state of Illinois requires a cure period or notice of repossession be mailed prior to repossession if there is a co-buyer on the account
Our records reflect that a Notice of Our Plan to Sell Property and Notice of Right to Redeem or Reinstate was mailed out to the address on file December 18,
Please be advised that GM Financial has not changed our position regarding the account
Should you have any further questions or require additional assistance, please contact GM Financial at (877)848-
Sincerely,
GM Financial

November 29,
RE: Complaint ID: ***
*** ***
Dear Mr***,
Thank you for the additional correspondence sent to the Revdex.comI would like an opportunity to address your concerns, however additional information is requiredAt your earliest convenience, please forward me your social security number and or account numberUpon receipt of this information I will research this matter
Sincerely,
GM Financial

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my dispute
Please enter your reason(s) for rejecting the business response below.GM Lease Assumptions stated at the start of the process, it would take 30-days to complete in full GM sent a document stating the process was complete Now, GM is stating no it wasn't, our mistake That is not how things work in an accountable corporate world I am requesting a refund in full for the July payment as this letter is written proof that GM had completed their process The statement saying that it took longer, is unacceptable
Regards,
*** ***

Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
On August 10, 2007, you signed a retail installment sales contract for a Chevrolet MalibuWithin the agreement, you promised to
pay the amount financed of $10,and a finance charge of $5603.90, which resulted in a total of payments of $15,705.60, if all payments are made on the due dateIt is important to understand that this Contract is a “simple interest” contract in which interest is accrued dailyBy signing the contract, you agreed to abide by these terms, including paying the principal amount plus finance charges accruing on the unpaid balance at the rate of 18.95% in installments of $
In review of your account activity and payment history additional interest accrued over the life of the loan due to payments being made after the scheduled due date and deferments that were processed at your requestThroughout the time the account was active; deferments were processed for the months of April and May of 2008, May and June of 2009, May and June of and April and May of The account has also been paid past the installment due date on numerous occasionsIt is important to understand that when payments are paid late or deferred, interest will continue to accrue on the unpaid principal balance
Our records reflect that the account matured on April 10, On this date a maturity letter was sent to the address of record advising you that the final balance had become due in fullAdditional review of our records indicates that GM Financial had verbal contact with you on April 9, and that the representative made you aware of the remaining balance at that timePayment arrangements were made to pay four installments of $monthly beginning May of with the final payment due in August of Our records reflect that only two payments of $were received on May 23, and June 25, These two payments did not complete the GM Financial approved arrangement
Please note a review of your account reflects that your loan charged off on August 30, GM Financial attempted to reach you regarding the status of the account and upon charge off regarding the deficiency balance remaining
GM Financial is required to report truthful and accurate information to the credit bureau reporting agenciesOur research concludes that the account status and payment history of your account have been reported to the credit bureau reporting agencies with accuracy; and as a result, we are unable to make any changes or deletions to the credit bureau reporting
Please be advised GM Financial is unable to release the title as a deficiency balance still remains on the account
Included for your review is a copy of your contractPlease note a copy of your account payment history is being mailed to your address of recordShould you have any further questions or require additional assistance with regard to this matter, please contact GM Financials Loss Recovery department at ###-###-####
Sincerely,
GM Financial

September 23,
Re: Complaint ID: *** *** ***
Dear Ms***,
Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
Please provide GM Financial with your current address, once this information is received the title will be released
Should you have any further questions or require additional assistance regarding this matter, please contact Customer Service directly at ###-###-####
Hours of Operation:
Monday through Thursday, 7:a.mto 8:p.mCT
Friday, 7:a.mto 7:p.mCT
Saturday, 7:a.mto 4:p.mCT
Sincerely,
GM Financial

February 5, RE: Complaint ID: *** *** ***
Dear Mr***: Thank you for forwarding the correspondence sent to the Revdex.comI would like an opportunity to address your concerns, however more information is requiredAt your earliest convenience, please forward me your full account number or social security numberUpon receipt of this information I will research this matter Sincerely, GM Financial

The business did not disclose and inform me of the the simple interest information This was a sneaky way to do a contract and I will not accept the response from the business I overpaid the payments thinking my balance was decreasing and it was notAfter looking at the payment history, majority of my payments are going towards the interest, which is NOT shown on the website

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
The complaint has not been resolved fully The vehicle has been returned and I just received the payment history a few days ago in the mail I still awaiting a response from GM Financial on the credit reporting and reimbursement of fees for their error
Regards,
*** ***

February 5, RE: Complaint ID: *** *** ***
Dear *** ***: Thank you for forwarding the correspondence sent to the Revdex.comI would like an opportunity to address your concerns, however more information is requiredAt your earliest convenience, please forward me your full account number or social security numberUpon receipt of this information I will research this matter Sincerely, GM Financial Tell us why here

July 12,
Re: Complaint ID: ***
*** ***
Dear Mr***,
Thank you for the additional correspondence sent to the Revdex.com We have reviewed your concerns and would like to offer the following information
In order to ensure that the account history is reflected accurately, GM Financial has submitted an update for the month of February and forwarded the proper documentation to all three major credit bureaus on June 29, The bureaus generally reflect the updated information within 30-days, if an update was required
We have requested a copy of your account payment history to be mailed to the address of record for your review If you have any additional questions regarding this matter, please feel free to contact the GM Financial at ###-###-####
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because:
I did not have any arrangement set up until Aug 19thHow can my payment be considered late when no loan agreement was made?
Regards,
*** ***

April 11,
Re: Complaint ID: *** *** * ***
Dear Mr***,
Thank you for the correspondence sent to the Revdex.com I would like an opportunity to address your concerns; however, additional information is required At your
earliest convenience, please forward me your social security number and/or account numberUpon receipt of this information I will research this matter
Sincerely,
GM Financial

??? I am very confused? You just reject what I am pointing out?Here is the law as the way that I understand it based on what I have read.What the Debt Collector Must Include in its CommunicationUnder the FDCPA, a communication from a debt collector must meaningfully disclose the identity of the debt collector and provide what is called a “mini-Miranda” warningThe communication must: identify the debt collector (name, employer, and telephone number) state that the communication is an attempt to collect a debt, and state that any information obtained will be used for that purpose.GM Financial is claiming they are leaving me messages but they do not fit this mold or the mold that they themselves put forth when they originally called me asking for my money from my insurance company The messages they leave and I have several copies now only includes the persons name a phone number along with a time to call back.I asked them about this law on the phone and now through this venue Is there not an answer for this? Did they actually do what they are allowed to do?It is a very sad day when a company like this has the ability to help one of their customers at no cost to themselves and they choose not to Then on top of that when you add this practice how would anyone know more than I did?I will not be ok with this ruling without understanding this law and if it is being broken or not. Regards,
Jeremiah Keisling

September 15,
RE: Complaint ID: ***
*** ** ***
Dear Ms***,
Thank you for the additional correspondence sent to the Revdex.comI would like an opportunity to address your concerns, however additional
information is requiredAt your earliest convenience, please forward me your social security number and or account numberUpon receipt of this information I will research this matter
Sincerely,
GM Financial

Thank you for the correspondence sent to the Revdex.comI would like an opportunity to address your concerns, however additional information is requiredAt your earliest convenience, please forward me your social security number and date of inquiryUpon receipt of this information I
will research this matter
Sincerely,
GM Financial

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and here is the information they are requesting: last four of social: ***Year, make and model: GMC Sierra Denali
Regards,
*** ***