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: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,
*** ***

February 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
GM Financial is required to
report truthful and accurate information to the credit bureau reporting agenciesOur research concludes that the account status and 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 account and credit agencies
In regards to the financing, GM Financial is an indirect lender and all loan/lease approvals are done at the dealership
If you have any questions or require additional assistance please contact GM Financial at ***
Sincerely
GM Financial

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, my social is ***I do not have access to my account anymore as they have closed off my internet access to my account.
Regards,
*** ***

May 3,
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 31, 2011, you entered
into a Retail Installment Sale Contract (“Contract”) with Mercedes-Benz of Southbay for the Mercedes-Benz GLin the amount of $43,at an interest rate of 17.75%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning May 15, The contract is a simple interest contract, meaning that interest is accrued daily on the unpaid portion of the amount financed, as indicated on the face of the contractExplanation of interest accrual, application of payments, and how late or early payments change what must be paid is explained on the contract under the section titled “Finance Charge and Payments”By signing the contract, you agreed to abide by these terms
On April 27, 2017, the vehicle was repossessed as allowed by the contractAt this time the account was days past duePlease note that on March 9, 2017, you requested that GM Financial cease phone calls to you regarding your account statusThe state of California does not require a cure period or notice of repossession be mailed prior to repossessionThe 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
Review of your account reflects that you agreed to reinstate the vehicle and the release form was sent to the repossession company, Coastline Recovery Services, on April 29, Please be aware that the repossession company is an independent contractor and is licensed and insured as suchIf you feel that Coastline Recovery Services damaged the vehicle, please contact their office directly at ***
I have included a copy of your contract for your reviewIf you have any further questions or require additional assistance, please feel free to contact GM Financial at ***
Sincerely,
GM Financial

January 30,
Re: Complaint ID: ***
*** ***
Dear Ms***
Thank you for forwarding the additional correspondence
Please be advised that GM Financial has not changed our position regarding the account
Thank you for your time and insight regarding your experience with GM Financial
Sincerely,
GM Financial

Thank you for the additional correspondence via the Revdex.comI have reviewed your concerns and would like to offer the following informationOur 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 FinancialAs 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 inWe 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 recordsSincerely, GM Financial

January 4,
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

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 May
24, 2017, you signed a Retail Installment Sale Contract for a Dodge Journey in the amount of $26,at an interest rate of 17.99%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning July 8,
On January 23, 2018, 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 lawsPlease be advised numerous efforts were made to contact you with regard to the status of the account prior to the last contact made on December 21, and after that dateThe last payment received prior to the repossession was on November 1, that was applied towards the October of payment due date
Please be advised that to be able to reinstate the vehicle, all past due payments, late charges, impound and repossession fees must be paid in fullAlso note that the vehicle could be transported to the auction at any time and without notice any time a vehicle is repossessedOur records reflect that you completed the reinstatement of this vehicle on February 2,
The payoff amount for this account is currently $ 25,and is good thru March 10, Please note the payoff quote is subject to change if the payoff expires, changes to the account payment history occur or fees assess to the account Any payoff amount quoted to you includes the unpaid principal balance of the account, finance charges currently owed from the date the last payment was received through the good thru date of the payoff quote; and any other fees that may be due, such as late fees
We apologize for the inconvenience you have experienced recently when trying to access your online account profile We are working diligently to resolve this issue and will contact you directly when access has been restoredWe apologize for any inconvenience this has caused and appreciate your patience while we resolve this matter
Enclosed is a copy of the Retail Installment Contract and payment historyShould you have any further questions or require additional assistance please contact GM Financial at ###-###-####
Sincerely,
GM Financial

Hello! Thank you for the answer! I appreciate feedback.My account number is *** *** *** *** ** *** Thank you! 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
You are not replying to what I am sayingYou are just wanting me to callI have done that already and all your company does is lieThat is why I went to the Revdex.comI am not calling until you make things rightAll that will happen is that I will get another undertrained underpaid staff member who will lie to me, not follow through and it will just cause me more stressEspecially if I get mocked and mimicked againYou have lost a customerAnd I will make sure that everyone I speak to knows to avoid GM financial, Americredit and GM products.You have stolen money from me through liesAnd I will not be satisfied until you make it rightI am not asking for much, just what your employees lies have cost me and my familyI cannot believe that you are telling me that it is and acceptable for customers to be mocked, lied to, and caused financial harm. Regards,
*** ***

December 14,
Re: Complaint ID: ***
*** ** ***
Dear Mr***,
Included in the original response is a copy of the Property Tax Bills for both the City of Hampton and the County of Isle of Wight for the and tax periodPlease ensure you review all three pages of the attachment
If you have any further questions or are in need of additional assistance regarding this matter, please contact GM Financial at ***
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because:
If I agreed to % interest that is already factored into my monthly payments of $361.11, how can you also charge me daily interest on top of that, Also your website says I have payments, but when you request a payoff on the account, the amount owed is much more than the payments!
Regards,
*** ***

February 8,
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

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer 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 via regular mail to the address of record on June 30, Please allow to business days from the time the check is issued for it to be received
Should you have any additional questions regarding this matter please feel free to contact Lease Customer Service at ###-###-####
Sincerely,
GM Financial

March 15,
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
On February 18, 2014, you entered into a Retail Lease Agreement with *** *** *** for the Chevrolet EquinoxWithin the agreement, you agreed to a month lease term with a monthly payment in the amount of $per month, due on the 18th day of each month beginning February 18,
As outlined in the Lease agreement (See Page 2, under Other Term and Conditions Return of the Vehicle), you will return the vehicle in clean conditionIf you do not buy the vehicle from us under your purchase option, you agree to return the vehicle to us at a place we designateWhen you return the vehicle, you must give us a completed, signed odometer disclosure statementYou agree to pay us any amounts you owe under the Lease and have not paidAs of the date of this letter, there is a remaining lease liability balance still owed in the amount of $1,
Please understand that 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
Enclosed is a copy of the Retail Lease Agreement for your reviewShould you have any further questions or require additional assistance with regard to this matter, please contact Customer Service directly at ###-###-####
Sincerely,
GM Financial

I will be emailing the latter from dealer to the contact person given todayThank you

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. Below is the information they request, along with a snapshot of my account. ACCOUNT # ***
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