GM Financial

Complaint: ***
I am rejecting this response because:As stated in my initial complaint, the DMV received your package, but there was no title insideYou need to acknowledge that a mistake was made and fix itThis will require either finding the original paper title and sending it to the DMV or requesting a new paper title and sending it to the DMVPlease consider a new job if this is too difficult. Thanks
Regards,
*** ***

Complaint: ***
I am rejecting this response because: I have let go of my attorney for the purposes of attempting to come to an out of court solution to this issue with the business The business may work with me directly for the purposes of resolving this complaint
Regards,
*** ***

Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information. Your account payment history has been reviewed and the April 24, base rent payment was received on May 25, 2016, when
your lease account was days past dueAs this date was also the reporting date for your account, GM Financial has submitted a request to remove the negative information reported on that datePlease allow 30-days for the credit bureau reporting agencies to reflect this updatePlease be aware that GM Financial reports to the credit bureau reporting agencies days from your base rent due date each month. Should you have any further questions or require additional assistance, please contact Customer Service at ###-###-####. Sincerely,GM Financial

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

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

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

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,
*** ***

That's fine but I still will not accept that response without a better understanding of the law Since that is not something you feel is needed we are at a stale mate

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and am providing the information that they requested.This matter is still NOT resolved, I am simply responding back to the business' requestHere is the number ***
Regards,
*** ***

Complaint: ***
I am rejecting this response because: Please see attached credit report informationI am attaching a report pulled by mortgage lender in September, and a report pulled by mortgage lender in OctoberNote the difference in GM Financial reportingThe October report is showing 90+ days late times In addition, it show Last Activity being 03/2017, meaning it will continue to affect my credit report longer than the year limit
Regards,
*** ***

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information. A review of your account has been completed; and as as a result, the remaining property taxes assessed on your account have been
waived. It appears that after you provided a copy of the Vehicle Return Receipt, base rent and late fee charges were waived; however, the Property Tax department was not notified of the earlier turn in date, so that the property tax assessed could be adjusted both internally and with the City of Austin An update has been submitted to the credit bureau reporting agencies to reflect your lease account as closed and paid in fullPlease allow 30-days for the agencies to reflect these changesWe apologize for any inconvenience this may have caused. Sincerely,GM Financial

February 15,
Re: Complaint ID: *** *** ***
Dear *** ***,
Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
On August 6, 2017, the
vehicle was involved in an accident and declared a total loss by
GEICO General Insurance Company (“GEICO”)On August 16, 2017, GM Financial received a payment from GEICO in the amount of $21,On September 11, 2017, The GAP proceeds from American Auto Guardian, Inc(“AAGI”) were applied to your account in the amount of $7,Once the insurance and GAP proceeds were applied to the remaining contract liability, you still had a balance of $The pro-rated warranty refund in the amount of $was subsequently applied to your account, leaving the remaining balance of $
In an effort to resolve this matter, GM Financial has processed a waiver for the remaining balanceYour account now reflects paid in full
If you have any questions or require additional assistance, please contact GM Financial at 1-***-***-***
Sincerely,
GM Financial

Complaint: ***
*** is my number
Regards,
*** ***

November 28,
Re: Complaint ID: ***
*** ***
Dear Mr***,
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

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
Regards,
*** *** Account Number is :

This is unacceptableWhen my account said it was "paid in full " I was under the knowledge that it was paid in fullAccording to Business.com the definition of 'Paid in Full " means " DEBT SATISFIED IN ITS ENTIRETY" Why does it mean something other than that to your company ?Revdex.com:

February 28,
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 note on January 17, 2011, you signed a Retail Installment Sale Contract for a Mazda in the amount of $15,at an interest rate of 18.85%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning March 3, At your request, GM Financial processed a total of eight deferred payments that extended the maturity date of the contract to October 3,
Your GM Financial account matured on October 3, 2017; at which time the balance was due in full for the amount of $4,Our records reflect that a maturity letter was mailed to the address on file on October 3,
Please be advised numerous efforts were made to contact you with regard to the status of the accountOur records reflect that we last spoke with you on February 8, 2018; at which time no firm arrangements were made on the accountThe last payment received on the account was on January 29,
On February 15, the decision was made to place the vehicle out for repossession, as allowed by your contractThe account history was reviewed thoroughly and it has been determined that the handling of the account, including repossession, was in compliance with all state and federal laws
The “Notice of Right to Redeem or Reinstate” and the “Notice of Our Plan to Sell Property” were mailed to the address of record on February 21, by United Stated Postal Service (“USPS”) Certified MailPlease note that after a review of this account, all statutory notices were mailed to you at your last known addressIn accordance with the applicable law, the statutory notice provided information about how and when to secure any personal property left in the vehicleThese notices also explained that you would be required to pay the difference between the amount you owed to GM Financial and the amount the vehicle sold for, plus expenses if you opted not to redeem/reinstate the vehicle
Included for your review are copies of your contract and account payment historyShould you have any further questions or require additional assistance, please contact GM Financial’ s Customer Service department at (800)284-
Sincerely,
GM Financial

July 15, 2016 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. On August 6, 2014, you signed a Closed End Motor Vehicle
Lease (“Contract”) for a GMC TerrainWithin the agreement, you agreed to a month lease term with a monthly payment in the amount of $per month, due on the 6th day of each month. A review of the payment history of your account reflects that no payments were received by GM Financial in the months of November of or January, February, and June of 2016; and that payments received in the months of October of and April of were returned to GM Financial due to non-sufficient funds Please note that GM Financial places a high priority on adhering to all state and federal lawsThe State of Pennsylvania does not require a cure period or notice of repossession be mailed prior to repossessionOn April 8, 2016, the decision was made to place the vehicle out for repossession, as allowed by your contractAt this time the account was days past due for the January 6, base rent due dateOur records reflect that one payment in the amount of $was received on April 14, and was applied towards the past due January of base rent due date; however, this amount was not sufficient to bring the account current and no GM Financial approved payment arrangements were in place On April 21, 2016, the repossession company confirmed the recovery of the GMC Terrain and the amount required to reinstate the vehicle at that time was $These funds were received on April 22, and were applied to the costs of the repossession as well as the base rent due dates for February of 2016, March of 2016, and April of to bring the account currentOur records reflect that the vehicle was released back into your possession on April 25, On April 26, 2016, the payment originally received on April 14, was returned to GM Financial due to non-sufficient fundsThe reversal of this payment required the reapplication of the payments paid as part of the reinstatement to the base rent due dates for January, February, and March of 2016; causing the April 6, base rent due date to become delinquent. You did not remake this payment until May 24, The next payment was received on May 25, and was applied towards the May 6, base rent due datePayment records reflect that no payments were received within the month of June of On July 11, 2016, GM Financial received one payment in the amount of $which has been applied to the past due base rent payment of June 6, At this time, the July 6, base rent payment is days past due. Copies of your Contract and Payment History have been mailed to your address of recordPlease allow 7-business days from today’s date to receive Should you have any further questions or require additional assistance, please feel free to contact GM Financial at ###-###-####. Sincerely,GM Financial

Revdex.com:
As I stated before, I will not be jumping through any more hoops for GM FinancialI will not contact my bank anymore on your behalf and I will be returning the car soonI will contact Transunion about my credit and explain what has happenedI will no longer be doing
business with youI don't appreciate the lack of compassion for a customerYou apologize for the way I FEEL I was treatedNo its not how I feel I was treated, its how I actually was treated

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
Regards,
*** ***