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,
*** ***

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,
*** ***

October
23, 2015Re: Complaint ID: 1*** *** * ***Dear
Ms***Thank
you for the additional correspondence sent to the Revdex.comI
have reviewed your concerns and would like to offer the following informationThe
online method of payment used in these types of transactions is initiated and
authorized by the customer onlyGM Financial is unable to initiate or alter
payments on your behalf, as we do not keep customers banking account
information on file.Any
payments submitted after p.mCentral Standard Time will post to your account
the following business day, with the exception of weekends and holidaysThe
funds will be drafted from your bank account within business days from the
posting date.Should
you have any further questions or require additional assistance, please contact
Customer Service 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 AmeriCredit Financial Services, Inc(AmeriCredit) completed the acquisition of Long Beach Acceptance Corporation (LBAC) in On October 1, 2010, AmeriCredit was purchased by General Motors, and the company name was changed to GM FinancialThis change did not affect the terms and conditions or the status of your accountYou would have still have received correspondence in the name of AmeriCredit; the branding of the company on all correspondence did not change until February 1, 2012, after the payoff of your account had occurredGM Financial and AmeriCredit are one and the same GM Financial has not changed its position regarding this matterOur research concludes that the information previously provided to you is accurate Should you have any further questions or require additional assistance, please feel free to contact GM Financial’s Bankruptcy Department at ###-###-#### Sincerely, GM Financial

Complaint: ***
I am rejecting this response because:Not one of these toll fees were sent directly to me by New York StateThey all go GM firstAs I stated I am happy to pay for the tolls themselves but absolutely refuse to pay the fines charged because of delays with GM processingAccording to New York thruway they only bill GM for leased vehicles
Regards,
*** ***

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information In order for a party to be removed from or added to the Contract/Account, the party intending to keep or assume the obligation must refinance the loanGM Financial is unable to honor your request to revise the ContractAlthough GM Financial does not offer refinancing, customers may choose to refinance their loan with another lender at any time Should you have any additional questions, please contact Customer Service at 1(800)284- Sincerely, GM Financial

January 20,
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 understand the
telephone number of *** *** was provided to GM Financial by one of our customers as a contact numberA cease and desist request has been noted for calls to this numberPlease be advised no harm or harassment was intended
Please be advised that GM Financial takes all complaints seriously and we appreciate you bringing this matter to our attention
Sincerely
GM Financial

Complaint: ***
I am rejecting this response because: One your not reporting correcting and mailing me something which will not resolve the issue is not going to workWhy do you as GM Financial think that it's ok to messe up my credit then think I should wait another to days for a letter that does not resolve the matter one you have reported my information correctly because I have spoken to directors of reporting at transunion and Experian who have all told me that it was sent in showing me late for Aug and SeptPlus if I am late in July you do not mark Augas late and that's what your company has done your reporting my payments in areasWhich is against the fair credit actTo resolve this matter GM needs to take ownership of the issue and correct the reporting because you have reported incorrectly for my months of AugAnd Sept If you think that reporting me late in Aug is correct for a July late payment then your entire reporting procedure is wrongIn order to resolve this matter you need to report my account in good standing for AugAnd Sept point blankI want your company to know that there are several people who are facing the same issue with your company and the lack of urgency and ownership of the issue doesn't say much for the reputation of your companySo I am asking for you to stop reading a script and send the correction to all agencies saying that I was not late on my bill for AugOr Sept you do better just not reporting those two months at all but you cannot report me late in Aug for a payment in July And let's make it clear this is being handled extremely lazy because your company could have sent a letter weeks ago saying no reporting forAug and Sept but instead you took the time to write a note on my credit report about natural disaster instead of fixing it so that shows me you don't care about the issue and are more worried about your personal company instead of your customers firstAnd I have spoke to Robert Beatty about this issue and I was ensured I would have this fixed and it's not So please let's stop going back and forth send the correction to the agencies saying no late payment for those month.
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

Complaint: ***
I am rejecting this response because:you continue to ignore the queations I have askedYou have got
To be the worst finance company on the planet and in reading the complaints quite a few people would agree.
*** ***

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

Thank you for forwarding 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 the last four digits of your social security numberUpon receipt of
this information I will research this matterSincerely,GM Financial

November 22,
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
Our records indicate that
the payoff has been posted to your account effective October 31, A refund check will be mailed to your address of record on November 27, for the automatic ACH payment that was drafted on November 1,
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 excellence
If you have any additional questions regarding this matter please feel free to contact GM Financial at ***
Sincerely,
GM Financial

July 5,
Re: Complaint ID: ***
*** ***
Dear Mr***,
Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information
A copy of your account payment history and sales contract have been mailed to the address of recordPlease allow 7-business days to be receivedPlease note, the title on file is electronic and there is no copy available
Should you have any further questions or require additional assistance please contact GM Financial at ###-###-####
Sincerely,
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

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

February 13,
Re: Complaint ID: *** *** *** ***
Dear *** ***,
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

August 29, RE: Complaint ID: *** *** *** Dear Ms***: Thank you for forwarding the additional correspondenceWe have reviewed your concerns and would like to offer you the following information On February 24, 2011, you signed a Retail Installment Sales Contract (“Contract”) for the Dodge Ram in the amount of $23,at an interest rate of 11.00%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning March 26, 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 date which resulted in the unpaid principal balance that remains todayIf all payments are paid by the due date, the account would have been paid in full on the contract maturity date Please refer to your signed contract under the section entitled FINANCE CHARGE AND PAYMENTS; section a through cThese sections outline how interest is figured based on using the true daily earnings method, how your payments are applied and how late or early payments change what you must pay As of date, your total payoff is $1,and is good through September 8, Please note that daily interest will continue to accrue as long as there is an outstanding balance A detailed payment history and a copy of your Contract have been mailed to the address on file Please feel free to contact our office at *** should you have further questions or require additional assistance Sincerely, GM Financial Tell us why here

November 13,
Re: Complaint ID: ***
Brandie ***
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 do not reflect that GM Financial has received an Auto Pay Enrollment formPlease be advised GM Financial did not have any good contact numbers to inform you of the account statusOn October 17, you spoke with a representative and provided us with a good contact number
Please be advised you may utilize other payment options such as payment by phone, IVR, or online at ***These payment options are provided by Western Union and may subject to a convenience charge and some can be postdated for future datesAn additional payment option available at no cost is the Recurring Payment Plan that can be set up online
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
Please contact us if you would like an Auto Pay Enrollment form sent to you by our Customer Service Department at ***
Sincerely,
GM Financial

December 21,
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
On November 29, the decision was made to place the vehicle out for repossession, 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 lawsThe state of Indiana does not require a cure period or notice of repossession be mailed prior to repossession
Please be advised numerous efforts were made to contact you with regard to the status of the accountOur records reflect that we spoke with you on November 29, 2017; at which time a deferment was offered to you, and you informed GM Financial that were not able to do that due to the deferment feeGM Financial understands that customers may face financial hardships throughout the life of their loanPlease understand that deferments are not a contractual obligation and are not always availableIf in the future, the deferment option is available and if your account is eligible for this type of payment assistance, please be aware that all deferment requests are subject to management approval
Please understand that to be able to reinstate the vehicle, all past due payments, late charges, impound and repossession fees must be paid in fullOnline payments are restricted anytime the account is in repossession status
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 bureau reporting agencies with accuracy; and as a result, we are unable to make any changes or deletions to the credit bureau reporting of your account
Should you have any further questions or require additional assistance, please contact GM directly at ***
Sincerely,
GM Financial