GM Financial

April 6,
Re: Complaint ID: *** *** ***
Dear Mrs***
Thank you for the correspondence sent to the Revdex.comAt this time, GM Financial is currently reviewing your account for resolutionA full response
will be issued once the review has been completedWe apologize for any inconvenience and appreciate your patience while we work to resolve this matter
Sincerely,
GM Financial

GM Financial has received your complaint sent to the Revdex.com (“Revdex.com”) and would like to offer the following responseOn August 11, 2012, you signed a Retail Installment Sale Contract (“Contract”) for the purchase of a Chevrolet Equinox in the amount of $25,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 on September 10, The contract is a simple interest contract which means interest accrues daily on the unpaid principal balanceIf all payments are paid by the due date, the account will be paid in full on the contract maturity date. On September 23, 2015, the vehicle was involved in an accident and declared a total loss by State Farm Insurance (“State Farm”). On October 5, 2015, GM Financial quoted a payoff in the amount of $18,good for days to State Farm and yourselfOn October 13, 2015, GM Financial received a payment from State Farm in the amount of $14,As per your contract, the payment was applied to the balance of your account reducing what you owe. We may apply each payment to the earned and unpaid part of the Finance Charge, to the unpaid part of the Amount Financed and to any other amounts you owe under this contract in any order we chooseAll insurance proceeds resulting from the total loss of the collateral, are applied solely to the Amount Financed also known as the principal balance of the accountWithin your contract, you also agreed to pay us all you owe under the contract even if the vehicle is damaged, destroyed or missingThe insurance proceeds received from State Farm have been applied to the balance your account and was not enough to pay the amount you oweThe amount required to pay off the account on the above vehicle is $3,This payoff must be received by October 25, and is subject to change if the payoff expires, changes to the account payment history occur or fees assess to the accountThe daily interest amount for this payoff is $ A notice advising you of the deficiency balance has also been mailed to your address of record today, October 15, You were advised during previous telephone conversations beginning on October 2, 2015, the date you notified GM Financial of the loss; and via the notice mailed to you on October 8, 2015, that you are still responsible for maintaining the monthly installment payments and are still subject to monthly credit bureau reporting until the account is paid in fullYour account is currently past due for a total amount of $1,for the August 1, 2015, September 1, 2015, and October 1, installment due datesYour November 1, installment due date has also been billed on October 12, 2015, reflecting the total amount due of $1,The last payment received by GM Financial for a partial payment of the August 1, installment due date was received on August 26, in the amount of $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 accountOur records reflect that you unauthorized contact via telephone on June 30, While you may not receive any phone calls regarding the status of the account, GM Financial will continue to communicate with you to the extent allowed by lawIncluded for your review and records are copies of your Contract, Account Payment History, the notice dated October 8, 2015, the Deficiency Balance notice mailed today and copies of the last two billing statements mailed to your address of recordShould you have any further questions or require additional assistance, please feel free to contact GM Financial at ###-###-####Sincerely, GM Financial

Complaint: ***
I am rejecting this response because GM has full authority to change/correct a report made to credit bureaus that has severely impacted my credit standing and has also cost me thousands of dollars in interest, never mind all the interest that GM has made on my account over nearly yearsGM, like any good and responsible company, could devise exception / grace policies for longstanding customersMaking payments on time, paying off the note early, and attempting to make a payment online that did not go through should NOT result in this lame excuse for a resolution
Regards,
*** ***

Complaint: ***
I am rejecting this response because: Like I’ve stated many times, I paid twice in December and caught up on the month behind and paid January by the due dateI have never been late since , that’s my question is that I PAID TWICE in December and caught up from the month I was behind so I would be up to date yet you guys have me still one month behind
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
My account has always been up to dateThere has never been an issue or missed payment.The refund for the $DOUBLE payment that GM Financial mentioned in its reply is a completely separate issue and has nothing to do with this complaintThat issues is now being handled through my bank since GM Financial is refusing to send the refundNOTE: The requested bank statement that they requested was successfully faxed to them on 8/2/and confirmed by a couple different representatives thereafter.Regarding this specific complaint (Complaint ID: *** regarding the 7/29/charge of $169.69), since GM Financial is not officially acknowledging their fault to the mistakes and delays made by their department and their back office (even though I have thorough accounts of every representative and manager I've spoken with who have personally admitted to these mistakes), I am forced to ALSO escalate this complaint to GM CorporateI will provide GM Corporate a detailed outline of all the delays and mistakes made by GM Financial and the back officeThis detailed outline will contain ALL pertinent dates, times, names, and issues relating to this caseThe assuming party, as well as the notes on my account (0170890321), can corroborate these factsI trust that GM Corporate (General Motors Company, P.OBOX 33170, Detroit, MI 48232-5170) can see the lack of competency and carelessness within GM Financial and their back office, especially involving the specific individuals I have dealt with and take the appropriate, corrective action in addressing these issuesBecause of this experience, needless to say, I will never be a GM customer again in the future, nor will I recommend GM products to my family or friends
Regards,
*** ***

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information.Our records reflect that a Power of Attorney for registration purposes was issued to you on October 30, and that you registered the vehicle on
December 7, 2015.If you have any further questions or require additional assistance regarding this matter, please contact GM Financial at 1(800)369-5212.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
On June 19, 2015, you entered into 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 19th day of each month
Our records reflect that a payment intended for the July of base rent payment was received on August 3, in the amount of $429.45; this payment was returned to GM Financial due to insufficient funds on August 10, On August 25, 2015, GM Financial received a payment in the amount of $which paid the July of base rent payment; at this time, the account was days past due The base rent payment for August of was initially received on September 25, 2015, when the account was days past dueA payment in the amount of $was received on October 7, intended for the September of base rent payment; this payment was returned to GM Financial due to insufficient funds on October 20, The next payment was received on October 28, in the amount of $and paid the September base rent payment; at this time, the account was days past due
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 have been reported with accuracy; and as a result, we are unable to make any changes or deletions to the credit bureau reporting of your account
Included for your review are copies of your Account Payment History, and ContractShould you find any discrepancies and would like for GM Financial to research further, proof of cleared funds reflecting that the item(s) have been cashed by GM Financial are requiredPlease fax in a front and back copy of the cashed item or a bank statement with a running balance reflecting the cashed item to (877) 868-and (716) 616-, so that research may begin
Should you have any further questions or require additional assistance, please feel free to contact Lease Customer Service at 1(800)369-
Sincerely,
GM Financial

April 27,
Re: Complaint ID: *** *** ***
Dear *** ***
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 your account number Upon receipt of this information I will research this matter
Sincerely,
GM Financial

February 13,
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
Based on a review of the payment history included in the initial response, your account reflects that a payment in the amount of $posted to your account effective November 20, As of today’s date, your account is days past due in the amount of $for your February installment balance and $in late fees, totaling $
Please be aware, your account is billed days prior to your due dateThe current billed amount will also include your March 1, installment and reflect a total due of $
If you have any further questions or are in need of additional assistance regarding this matter, please contact GM Financial at ***
Sincerely,
GM Financial

April 28,
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
Our records indicate that
you submitted an enrollment form to GM Financial for automatic monthly ACH payments to begin on November 20, On December 3, 2015, you set up an additional online recurring payment schedule through Western Union to draft $on the third of each month beginning on the date of submissionThe confirmation number provided to you by Western Union was ***
Your Western Union recurring payment schedule was cancelled online with the last draft being February 3, You remained enrolled in the ACH payment schedule set up with GM Financial until you requested cancellation on April 10, We have sent a refund for the payment drafted on March 20, via FedEx overnight, tracking ***Please be aware, your lease maturity date is June 20,
We 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 excellenceShould you have any further questions or require additional assistance, please feel free to contact GM Financial Customer Service at ***
Sincerely,
GM Financial

Revdex.com:
I'm attaching a screen print from TrustedId in relation to the "credit alert" generated by Equifax for my accountAfter making probably dozen phone calls attempting to resolve the matter, I was able to pay a final balance todayI suspect the Revdex.com Complaint helped me get action on thisThe person I talked with also noted the dealer Malouf Chevrolet in North Brunswick NJ as refusing to accept delivery in November when I tried to turn the car inthat cost me an extra half day of my life as I had to drive the vehicle to where I originally bought it at Paramus Chevrolet complicating my getting homeI can't think of why anyone would ever use GMAC again after going through this nightmareIf the "credit alert" is not erased at Equifax within days I'll open a new Revdex.com complaint. I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
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
I attached my orders again since they were faxed 10/18/and I still have not received an update
Regards,
*** ***

Thank you for forwarding the additional correspondence sent
to the Revdex.comOur position has not changed regarding your
account status
Please feel free to contact our Customer Service department
at ###-###-#### with any further questions or concerns
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,
*** ***

Thank you for the correspondence sent to the Revdex.comAt this time, GM Financial is currently reviewing your accountA response will be issued once the review has been completed
Sincerely,
GM Financial

May 11,
Re: Complaint ID: ***
*** * ***
Dear Ms***,
Thank you for the correspondence sent to the Revdex.comWe have reviewed your concerns and would like to provide the following information
Please be advised that as
of today, a duplicate title has been requestedPlease allow 30-days for the title to be receivedThis will be sent to your address of record
Should you have any further questions or require additional assistance with regard to this matter, please contact GM Financial directly at *** ***
Sincerely,
GM Financial

Complaint* ***
I am rejecting this response because:you have my information !! I will give it to you againMy ss# ***!!! I’ve also spoke with yet another representative from your company and I was told that I was getting a paper check on April th?!?! WTF? I owe bills of a total of plus I’m down 107.00$ in my bank account!
Regards,
*** ***

February 28,
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 your account reflects we are still in need of
the odometer statement in order to release your titlePlease be advised the mileage reading is required in order to transfer the titlePlease remit your odometer statement to GM Financials Remarketing department via email to [email protected] or you may fax the documents to fax number ###-###-####
Should you have any further questions or require additional assistance regarding this matter, please contact GM Financials Lease Servicing Department at ###-###-####
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because:Could you please reopen complaint #***? It was closed automatically without any resolution. Thank you,
Regards,
*** ***

Complaint: ***
I am rejecting this response because: I have separate receipt paid to GM Financial and sent to me as "reinstatement fees"I do not believe that any amount of the $was fees for that reasonAnd if so, then why a separate fee
Regards,
*** ***