GM Financial

Complaint: ***
Good morning, I received an email stating that I would receive a tracking number Within 24-hours on 02/21/and it has been way passed that time frame and I still haven’t received anything
Regards,
***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is unsatisfactory to meUpon contacting and speaking to many supervisors and employees the answer I’ve been given multiple answers that don’t correlateI want to physically speak with someone concerning this matterThe payment was made through a bank account why would I receive a paper check through the mail ?
Regards,
*** ***

I was never advised of any accruing interest between through then in March of someone did finally tell me there were charges adding up so I made arrangements to pay extra for payments so that I could pay ahead of the due date I was told this agreement would allow me to pay ahead of the due date which it didFrom July till now I payed weeks ahead of my due date So all those payments from through I was deceived by your company and charged hidden interest charges I was never told of these charges till and upon looking at my original contract these were on a separate sheet NOT THE SHEET I SIGNEDI dont know that this second page was even available at the contract signing but I suspect not Regardless, Every time I was not able to pay on or just after the due date I contacted youI was never told of any extra interest charges, it was not documented on my statements or told to me verbally from through Every time I called I was told there was no charges and no negative reports to the credit bureaus Also The only times I deferred a payment was when I changed employment or my pay schedule changed at which time I contacted you ahead to make arrangements concerned with negative reports to the credit bureaus Every time You lied and told me I was allowed deferrals without impacting my balance.You have no right to charge me over $in hidden feesWas I paying late? Not according to my credit reportWas I notified of hidden charges? Not until at which time we had an agreement and I payed extra monthly payments to get ahead of my due date Was I ever charged a late fee? No because I was not late Was I sufficiently notified of hidden charges by not paying on the due date?? Not once until 2014, after years of payments You are attempting to rip me off over $for for interest fees through deceptive practices and hidden interest feesI was never notified of until years of paymentsDid I make an effort to make adjustments to the way I was paying once I was notifiedYES and payed ahead every payment after thatI assure you if I had known of these hidden charges at the start of the loan I would have made an effort to adjust and pay the way I payed the second half, ahead of the due date I believe I have sufficient evidence of fraud and of deceptive lending practices Any further correspondence by me will be through my Attorney No wonder you have reports against you on RipOff Reports site.

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

September 12,
Re: Complaint ID: ***
*** ***
Dear Mr***,
Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
Please be advised GM
Financial sent the registration packet that includes the permission letter, Lease agreement, Power of Attorney, certified title/sales tax letter, and check to register vehicle via FedEx 2-day on September 7, via overnight, tracking ***Our records reflect that the package was delivered September 11,
We apologize for the poor level of service you feel you have received Please be assured that GM Financial gives customer service a high priority and is totally committed to achieving excellence
Should you have any further questions or require additional assistance, please feel free to contact GM Financial Customer Service at ***
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because:well that's too bad for GMAC financing what a shame to treat your veterans and law-enforcement that way after days and not or like any other company before reporting it to a credit report bureau While GMAC financing does have the ability to remove this from a credit report it is their choice to remain strict on their policy of days delinquent while I veteran is overseas in the military Croatia what a horrible customer service company I will never ever Buy a vehicle through GMAC again and I will be forwarding all the correspondence I had with GMAC and the Revdex.com to all of my local TV stations and social media don't be surprised if you see it in the near future the way GMAC treats a veteran - you can say all you want about following policy and strict guidelines but the general population is going to see otherwise on this particular matter - what a shameful company with no heart whatsoever I hope the story goes as big as the Applebee's manager who took away the veterans meal on Veterans Day Again what a horrible horrible customer service for United States veteran who was overseas to be bullied by GMAC on a credit report for days delinquency shame on you! Thank you for being patriotic GMAC I really do hope this goes viral you have been given an option and chose to do the wrong thing thank you!
Regards,
*** ***

Complaint: ***
I am rejecting this response because:Please see the attached documentationGM Financial is not being forthcoming with all of the information nor the contact datesFirst of all, I have attached the contract in which *** *** is listed as the lien holderI contacted *** *** several times to inquire about the paper work for the bankAs of May 10th, they still didn't have the information but said that I would be receiving it shortly
I received the paperwork on May 15thAt that time, I contacted Customer Service on that date, GM conveniently omitted my first contact with GM FinancialI also called the two more times after the 9th, again, GM is not forthcoming in all of the pertinent informationAccording to the information on the website, since I am enrolled in paperless statements, I relied upon the information thereIn the transaction history, I provided a copy of, it never states that a payment was returnedThere is no way to know if anything was wrong until I went to make a payment in July, at which time the statement said I was lateWe were not late because of money problems, we were late because GM did not provide accurate information on their website under my account nor did they communicate there was a problem or leave any messages.I was provide a fax number after numerous requests from the customer service representative on July 17thAttached is the transmission receipt that I faxed over to GM for a response, in which they have not responded at all yet. Please review the attached documents
Regards,
*** ***

March 22,
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 social security number and or account numberUpon receipt of this information I will research this matter
Sincerely,
GM Financial

I received my refund from GM Financial two days after I filed with the Revdex.comThanks for your help!

September 12,
RE: Complaint ID: ***
*** * ***
Dear Mr***,
Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information
I would like to apologize for the poor level of service you feel that you have receivedPlease be assured that GM Financial gives customer service a high priority and is totally committed to achieving excellence
A refund has been requested and completedCheck number ***, in the amount of $was sent to the address on file on September 6, via regular mailThis is a refund from the overage on the insurance payoffPlease allow to business days from the time the check is issued for it to be received
Our records do not reflect that any payments over and above your scheduled monthly base rent payment amount has been receivedIf you would like GM Financial to research the $payment you have referenced within your complaint, please fax in proof of cleared funds to ###-###-####
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 full GM Financial account number or social security numberUpon receipt of this
information I will research this matter
Sincerely,
GM Financial

Thank you for the additional correspondence via the Revdex.comI have reviewed your concerns and would like to offer the following information Our records reflect that the original title, contract, and a release of lien were mailed to the address of record, reflected in, Oxnard, CA on September 16, Our records do not reflect that this item was returned to GM Financial As of 2013, GM Financial no longer internally processes titling paperwork, including the issuance of lien releases or requests for duplicate titleAll requests of this nature will need to be directed through PDP’s website at www.getmycartitle.com/gmfinancialIf you require assistance with the website you may contact PDP directly at ###-###-#### Per PDP, you requested a release of lien letter on September 23, and the request was processed and mailed on September 24, to the address you providedThe release of lien will allow you to apply for a new title removing GM Financial as lien holder within the state that your vehicle is currently titled/registered in. If you require a duplicate title, you will need to submit the request via PDP and pay the associated feePlease understand that the duplicate title request can take a minimum of 4-weeks to process, dependent on the processing timeframes of the state that your vehicle is currently titled/registered in We apologize that you have been frustrated by this process; however, GM Financial mailed the original paperwork to you in a timely manner after the payoff of your account in and no longer has an original title to sendThe release of lien has been provided to you, so that you may obtain a new title from the state that your vehicle is currently registered inA copy of this document has been provided for your records Sincerely, GM Financial

Thank you for forwarding the correspondence to the RevDex.comI have reviewed your concerns and would like to offer the
following information
On December
24, 2012, you signed a Retail Installment Sale Contract (“Contract”) for the
Chevrolet
Corvette in the amount of $37,at an interest rate of 14.00%
Within the agreement, you agreed to repay the loan in monthly installments
in the amount of $per month, beginning January 24,
Please be advised that GM Financial places a high priority
on adhering to all state and federal lawsThe state of Texas does require cure
notices to be sent prior to submitting the account for repossessionThese
notices were mailed to the address of record on July 7, and the
Acceleration Notice was mailed July 22, The cure notices detailed the
amount needed to cure and provided a cure date or date of last payment
On August 3,
2015, GM Financial made the decision to place the account out for repossession
due to the account being over days past due and subsequently the vehicle was
repossessed on August 7, After a thorough review of the account it has
been determined that the handling of the account including repossession was in
compliance with all state and federal laws
Please note
that our system of record indicates that you made a payment of $on
August 21, 2015; however, this amount did not meet the required amount to
process the reinstatementOn August 25, 2015, GM Financial received another
payment of $which covered the remaining reinstatement amount dueOnce
this payment was verified, GM Financial sent the release to the repossession
agent and your vehicle was available for pick upWe have verified that the
vehicle was picked up August 25, 2015, the same date the remaining reinstatement
amount was paid
With regard to your allegations of property damage, please
be advised that the repossession company is an independent contractor and is
licensed as suchAny claims against their company will need to be addressed
directly with their company and/or licensing authority
I have
attached a copy of your Contract and payment history for your review
Should you
have additional questions or concerns, please contact our office directly at
###-###-####
Sincerely,
GM Financial

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 vehicleAfter the sale of the vehicle at auction, a “Deficiency Calculation” letter was mailed to your address of record on June 27, to inform you of the remaining balance owedPlease understand the responsibility for this contractual obligation remains
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 ###-###-####
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because:GM Financial is still ignoring the majority of my concerns and just parroting back their poor policy on a singular facet of the complaintI don't "feel" there was poor service, there was, numerous timesIt is not hard to find systems that do not take people's money when it's not owed and that allow choice in due date, and it is even simpler to INFORM your customers that you do NOT have these systemsThe people working in customer service have no knowledge of how their own system works and make no attempt to inform customers if they do knowYou can repeatedly call and ask reps a question and get entirely different answers from each repI've worked in customer service and billing since I was in High School - none of this is a lot to ask and none of this is difficultIt's worrisome to me that GM is entrusting this company with their lease loans and their name when the company can't even acknowledge mistakes and shortcomings in their training procedures or systemsThe fact of the matter is I have hit billing issue after issue due to employees giving bad advice when I call with questionsI do this for a living - if staff tells me how to set something up correctly, I can do it without issueThis is the concern
Regards,
*** ***

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.I understand what they are responding as that is the same response I received when I contacted them on my own over the line prior to submitting my complaintHowever, I am trying to let them know something is wrong because I did NOT authorized the 2nd paymentI authorized the payment that was scheduled on the 26th of Sept to be debited on Oct (my due date)Their response dies not make sense because they are claiming I schedule the payment for the 16th on the 26th of Sept (which is accurate) and that on the 10th of Oct I requested a same day payment (which I did not)What they are claiming does not even match up with my bank statement I have a debit on the 16th of Oct (which again is correct) and another one for the of October I do not have one for the th because I never authorized one for another other date aside from the authorization on the 26th of Sept for the 16th of Oct .
Regards,
*** ***

September 21,
Re: Complaint ID: *** *** ***
Dear Ms***,
Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
GM Financial has reviewed
your concerns regarding calls made to the telephone number of ###-###-#### and has submitted a request to have your contact information placed on a Do Not Call list to ensure no further calls will be made
GM Financial takes all complaints seriously and we appreciate you bringing this matter to our attention, and apologize for any inconvenience this may have caused
Should you have further questions or require any additional numbers to be placed on the Do Not Call list, please feel free to contact me directly at the number listed below
Sincerely,
*** *** Compliance Administration
Phone: ###-###-####
Fax: ###-###-####

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
Thank you for the reply and the issue has been resolved. Thanks in kind
Regards,
*** ***

February 8,
Re: Complaint ID: *** *** ***
Dear Ms***,
Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
On March 18, 2014,
you signed a Retail Installment Sale Contract (“Contract”) for the Buick Verano in the amount of $19,at an interest rate of 10.90%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning May 2, The contract is a simple interest contract which means interest accrues daily on the unpaid principal balance
Please be advised, GM Financial cannot provide you with the vehicle title until the account balance has been satisfied
I have included a copy of your contract for your reviewIf you have any further questions or are in need of additional assistance regarding this matter, please contact GM Financial at 1-***
Sincerely,
GM Financial

August 9, 2016 RE: Complaint ID: *** *** Dear Mr***, Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information. A one-time exception has been made to apply one payment from both of the insurance proceeds amounts to the July installment due date for each of your accountsPlease understand that you are responsible for maintaining the account in a current statusThe remainder of the insurance proceeds for damages to the vehicles that have not been repaired has been applied to each account balance, thereby reducing the amount owed for each account. Should you have any further questions, please contact Customer Service at ###-###-####. Sincerely,GM Financial