GM Financial

July 28,
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
As previously informed, a refund has been requested and is being processedA check in the amount of $will be sent via regular mail to the address of recordPlease allow to business days from the time the check is issued for it to be receivedOur records reflect that we have an updated address of *** *** *** *** *** ***, should the address need to be updated please contact GM Financial at the contact number below
Should you have any additional questions regarding this matter please feel free to contact Lease Customer Service 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 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

Complaint: ***
I am rejecting this response because:it is factually to report me late to credit for His account and payoff.
Regards,
*** ***

Complaint: ***
I am rejecting this response because:I will not provide my SSN unless contacted directly.
Regards,
*** ***

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

The account number is ***

Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
On March 28, 2015, you entered into a Retail Installment Sale Contract (“Contract”) with *** Chevrolet for the Chevrolet
MalibuGM Financial was not present at *** Chevrolet (“Dealer”) during the signing of the contract and was not privileged to any agreements between the two partiesThe contract was subsequently assigned to GM Financial
We empathize with the problems you may have experienced with the vehicle; however, the responsibility for this contractual obligation remainsAll mechanical issues would need to be resolved between yourself, *** Chevrolet, and/or the manufacturer of the vehicle, if necessary
GM Financial is unable to honor your request to defer the September 30th and October 30th retail installment paymentsPlease understand that deferments are not a contractual obligation and are not always availableAt this time, you have not yet established enough payment history in order to be eligible for this type of assistance
If you would like to discuss this matter further with the manufacturer of your vehicle, please contact GM’s Chevrolet Customer Assistance line 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
Last of my ss# *** It was a dodge ram
Regards,
*** ***

Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information. Please also understand how much you pay over the life of this loan is entirely dependent on how you’ve paid the monthly installmentsThe Total Sale Price shown in the Truth-In-Lending Disclosures assumes that all payments will be made on the date they are dueA review of your account payment history indicates that quite a few payments were paid significantly lateOf the payments made on the account payments were made between and days past the due dateOver the life of the loan, at your request, due date changes were applied to the account and the October 9, and December 9, installment due dates were deferred to the end of the loan, moving your maturity date from June 20, to September 15, 2016. Although you paid the payments prior to a late fee assessing or negative reporting to the credit bureau reporting agencies occurring, interest still continues to accrue daily on the unpaid portion of the amount financed (“principal”)As per your contract, GM Financial applies your installment payments in the following manner, first to the earned and unpaid finance charge (“interest”) and second to anything else you owe under the agreementWhen you pay the installment payments late, defer payments, or change the due date of your account, less of the monthly payment received is applied towards your principal balance because of the additional earned and unpaid interest amount owed A copy of the payment history of your account reflecting the breakdown of each payment was mailed to your address of record on June 17, Please allow 7-business days to receive this information via regular mail. GM Financial’s position regarding the remaining balance of your account has not changedYour payments have been applied accurately and in accordance with your contractPlease understand that GM Financial does not negotiate the payoff amount of an account. Should you have any further questions or require additional assistance, please contact GM Financial’s Customer Service department at ###-###-####. Sincerely,GM Financial

June 8,
Re: *** ***
Complaint ID: ***
Dear Mr***,
Thank you for the information sent to the Revdex.comAt this time, GM Financial is currently reviewing your accountPlease allow additional time for your request to be
reviewedOnce the review has been completed, a response will be communicated to you via regular mailShould you have any questions while we review your account, please feel free to contact GM Financial at ###-###-####
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because:the purpose of contacting you was that I i made a payment for last years taxes and this years takes with in a month spanAnd GM decides to put it anywhere they want to .
Regards,
*** ***

November 30,
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
Please understand that GM
Financial is required to report truthful and accurate information to the credit bureau reporting agenciesOur research concludes that the status and payment history of your account have been reported to the credit bureau reporting agencies with accuracyPlease be advised upon the completion of the deferment process, an update will be submitted to all three major credit bureaus to reflect the new reporting for the months deferred
If you have any further questions or are in need of additional assistance regarding this matter, please contact GM Financial at ***
Sincerely,
GM Financial

August 2,
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
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 is being processedA check in the amount of $was sent via regular mail to the address on July 28, Our records reflect this account is currently set up on the GM Financial Automatic Payment Plan
Should you have any additional questions regarding this matter please feel free to contact Lease Customer Service at ###-###-####
Sincerely,
GM Financial

We have received the rejection to our response but the consumer did not type in the reason for the rejection

Complaint: ***
I am rejecting this response because:Further research is required on GMs behalfAwaiting responseSSN *** please forward
Regards,
*** ***

November 10,
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
Our records indicate a refund check in the amount of $1,was sent via FedEx tracking# ***According to FedEx, this check will be delivered by November 13,
If you have any additional questions regarding this matter please feel free to contact GM Financial at ***
Sincerely,
GM Financial

February 13,
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
Upon review of the
account, GM Financial submitted an update and forwarded the proper documentation to all three major credit bureaus on February 13, 2018, to reflect the account with no credit marks and paid in fullPlease allow the credit bureau reporting agencies 30-days to reflect these updatesPlease understand that any additional disputes submitted through the credit bureaus prior to these changes updating, may cause the credit agencies to void the update submitted by GM Financial
We apologize for any inconvenience this situation may have causedShould you have any further questions or require additional assistance with regard to this matter, please contact Lease Customer Service directly 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 provide your full GM Financial account number or the last four digits of your
social security number in order to verify your identityUpon receipt of this information we will provide copies of documents sufficient to validate the GM Financial account Sincerely,GM Financial

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. Is there any progress on this complaint?
Regards,
*** ***

Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information On July 8, 2006, both you and Willis Valentine signed a Retail Installment Contract (“Contract”) for a Ford Explorer in the
amount of $16,at an interest rate of 21.95%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 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 In order to negotiate a settlement with regard to the deficiency balance of your account, you will need to contact GM Financial’s Loss Recovery department at ###-###-####Please also understand that if GM Financial agrees to a settlement, the credit bureau reporting of your account will not be updated to reflect settled in full as a charged-off account, until the full negotiated settlement amount has been satisfied Included for your review are copies of your Contract and Account Payment History Sincerely, GM Financial