GM Financial

October 3, RE: Complaint ID: *** *** *** Dear Mrs***, Thank you for forwarding the additional correspondenceWe have reviewed your concerns and would like to offer you the following information On March 5, 2016, you signed a Motor Vehicle Retail Installment Sales Contract (“Contract”) for the purchase of a Ford Fin the amount of $37, at an interest rate of 11.25%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning on April 19, As per your Contract, on Page Section F, it states: PHYSICAL DAMAGE INSURANCE PROCEEDSYou must use physical damage insurance proceeds to repair the vehicle, unless we agree otherwise in writingHowever, if the vehicle is a total loss, you must use the insurance proceeds to pay what you owe usYou agree that we can use any proceeds from insurance to repair the vehicle, or we may reduce what you owe under this contractIf we apply insurance proceeds to the amount you owe, they will be applied to your payment sin the reverse order of when they are dueIf your insurance on the vehicle or credit insurance doesn’t pay all you owe, you must pay what is still owedOnce all amounts owed under this contact are paid, any remaining proceeds will be paid to you Please note that our system of record indicates that on December 28, 2016, your vehicle was deemed a total lossA letter was mailed to on January 16, 2017, which explained to you that during the total loss process you were responsible for keeping the account current otherwise, your account would report to the credit bureau agenciesThis letter also explained that you would be responsible for paying any difference owed per your ContractGM Financial received insurance proceeds in the amount of $34,on February 1, 2017, which was less than the full balance owedThe remaining balance was not paid off until February 27, GM Financial is required to report truthful and accurate information to the credit bureau reporting agenciesOur research concludes that the account status and account payment history of your account have been reported to the credit agencies with accuracy; and as a result, we are unable to make any changes or deletions to the credit bureau reporting of your account at this time A payment history and a copy of your contract was mailed to you for review If you have any further questions or require additional assistance, please feel free to contact GM Financial at 1(***)***-*** Sincerely, GM Financial Tell us why here

Complaint: ***
I am rejecting this response because:
*** ***SSN ***Acct# ***
Regards,
*** ***

July 27,
Re: Complaint ID: *** *** ***
Dear Mr***,
Thank you for the correspondence sent to the Revdex.comGM Financial has reviewed your concerns and would like to provide the following information
Our records
reflect that GM Financial received the payoff on the account and has sent the vehicle release to the repossession agentPlease contact the repossession agent to make arrangements to pick up the unitPlease be advised the lien/title will be released in approximately days
Should you have further questions please contact GM Financial at ###-###-####
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because: due to the fact that I was never informed about the accumulating interest, or that it had an expiration date, it is the fault of GM Financial for not informing me when I first called to inquire about the payoff
Regards,
*** ***

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

Thank you for the correspondence sent to the Revdex.comI have
reviewed your concerns and would like to offer the following information
After further review of your account GM Financial was not able to confirm a conversation indicating you or anyone related to this account were told there was only payments remaining, when in fact there were All payments have been made, however some of that money was applied to Excess Miles and TaxesOur records do not support a conversation where GM Financial would waive the Excess Miles, as it is non-negotiable
GM Financial is unable to honor your request to waive the Excess Miles”Per your Retail Lease Agreement (“Lease”) and the Addendum to Closed-End Motor Vehicle Lease (“Addendum”) you are still responsible for all contractual obligation as well as excess mileage charges as described within the Lease
Included for your review is a copy of the contractShould you have any additional questions regarding this matter please feel free to contact the Lease Loss Recovery Department at ###-###-####
Sincerely,
GM Financial

Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information.We apologize for any miscommunication you feel may have occurred.GM Financial places a high priority on adhering to all state and federal lawsThe state of Missouri requires a cure period or notice of repossession be mailed prior to repossession twice per contractThese notices were mailed to both parties liable for this contract at your last known address on May 12, and August 12, The decision was made to place the vehicle out for repossession, on September 2, 2015, as allowed by your contractAt this time the account was days past dueThe 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 lawsAs you were previously advised, our records reflect that the deferment amount was due on August 21, and that numerous phone calls were made, to both parties of this account, and voice messages were left in an effort to discuss the status of the account from August 24, up through the date the repossession occurredE-mail correspondence was also sent to *** regarding the status of the account on August 31, 2015, September 8, 2015, and September 16, 2015; prior to the date of the repossession.Please be advised that the repossession company is an independent contractor and is licensed as suchAny claims against their company, like those regarding the damage to your driveway, will need to be addressed directly with their company and/or licensing authorityPlease understand that not all telephone calls are recorded and are for internal use for training purposes onlyIncluded for your review is an additional copy of the e-mail sent to *** on September 8, 2015.Should you have any further questions, please feel free to contact GM Financial at ###-###-####.Sincerely,GM Financial

April 18,
Re: *** *** Complaint ID: *** GM Financial Account No.: ***
Dear *** ***,
Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
As previously advised, a refund was requested and mailedCheck number ***, in the amount of $5,was sent to the address of record on April 16, This check was sent by regular US Mail, please allow 7-days for delivery
If you have any questions or require additional assistance, please contact GM Financial at ***
Sincerely,
GM Financial

The request we/I have been making is simple: I want you, GM Financial, to show the actual breakdown of the interest for each deferment, for my loanShow us the exact calculationsA blank worksheet does not provide that Why won't GM Financial provide information to consumers regarding their account? Does it have to be requested through court? If so, please provide me with the mailing address.

Revdex.com:
I do not feel comfortable providing my social security or account numbers over the internetWith the information I have already provided, they should be able to find my account
Regards,
*** ***

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

Complaint: ***
I am rejecting this response because:My account number is ***
Regards,
*** ***

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,
*** ***

April 5,
Re: Complaint ID: *** *** * ***
Dear Mr***,
Thank you for the correspondence sent to the Revdex.com I have reviewed your concerns and would like to provide the following information
Our records reflect your GM Financial account *** has been corrected and reflects the next payment due date is April 9, in the amount of $
Should you have any further questions or require additional assistance in regards to this matter please contact GM Financial at ###-###-####
Sincerely,
GM Financial

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***The account number is ***The absurd thing is, this just happened to ANOTHER very close friend of mineHer car was repossessed as well on Monday, September 26th with GM claiming she stopped payments in JuneI received a certified letter in the mail about repossession on September 25, The car was repossessed on Thursday, September 21stI was required to pay the $towing and storage fee, my vehicle was towed an hour away, the gas was drained from the vehicle and my theft alert notification is onI will never be conducting business with GM again and we assure you that this company will never receive business from those close to me.
*** ***

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

October 10,
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
A review of our records reflects
on August 17, 2016, GM Financial quoted a payoff amount of $ 57,good for days to *** *** ***The payoff for your account was received on August 23,
Please be advised the payoff quoted to you on August 17, was a customer payoff good through August 18, 2016, and differs from the day payoff provided to the dealership
GM Financial is unable to honor your request for a refund as the amount received from *** *** *** was the full payoff balance required to purchase the vehicle
Should you have any further questions or require additional assistance with regard to this matter, please contact GM Financials Lease Customer Service at ###-###-####
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, as long as GM Financial issues a check to me in the amount of $
Regards,
*** ***

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

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information.Our records reflect that several telephone calls were made to you regarding the late fee balance between December 29, and January 5,
Our records further reflect that late fee balance notices were mailed to your address of record on January 12, and a final notice on March 16, 2010.As per your Retail Installment Sale Contract and Security Agreement (“Contract”), if a payment is more than days late you will be charged 5% of the payment amount with a minimum of $When you paid the principal and late fee balance, your account still had a remaining late fee balance owed of $As late fees are part of your contractual obligation, the title will not be released until payment of these fees has been received.Our records reflect receipt of the late fee balance on April 5, by Cashier’s CheckThe original title is set to be released to you business days from the date of the receipt of the payoff on Friday, April 8, 2016; by regular mail to your address of recordA copy of the release of lien will be faxed to Jennifer at ###-###-####.Included for your review are copies of your Contract, Account Payment History, and Late Fee Balance Notices.Should you have any further questions or require additional assistance, please feel free to contact Customer Service at ###-###-####.Sincerely,GM Financial