GM Financial

Upon recommendation from *** at GM Financial, I went to all three credit bureaus directly instead of the credit tracker app thru Capital One who has been reporting to me the hits to my cteditI found out that indeed there are no late payments reportedCapital One just sent me another credit tracker report that GM Financial reported my account with a zero balance deliquentI also know that is because I just puchased a new car two days ago and had absolutely no problem at all getting financedAs well as my credit score not anywhere near the that Capital One said I hadSo I will consider my problem not with GM Financial at allI consider this matter closed and completely resolvedThank you for your time and patience and understandingApparently the Capital One credit tracker app they so famously tour as so awesome is significantly faulty by all accounts.

November 8,
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 May 20, A refund check will be expedited to your address of record using FedEx overnight, we will provide you with a tracking number once this has been generatedIn addition, we will expedite the closing of the account and title release
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 excellenceIf you have any additional questions regarding this matter please feel free to contact GM Financial 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 On November 15, you signed a Retail Installment Contract and Security Agreement (“Contract”) for the GMC Acadia in the amount of $45,at an interest rate of 4.9%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 August 19, 2015, our records reflect that you requested to defer the monthly installments for June 30, and July 30, Please understand that deferments are not a contractual obligation and are not always availableAt the time of your request, approval of this deferment was subject to the receipt of the deferment amount and management approvalOur 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 On September 2, 2015, the decision was made to place the vehicle out for repossession, as allowed by your contractAt this time the account was days past dueThe vehicle was repossessed by Countrywide Asset and Auto Recovery on September 17, 2015. Per your contract, if you default, you agreed to pay our costs for collecting amounts owing, including the costs and fees for repossession. The amount you paid to reinstate the vehicle was $2,This amount included the past due amounts for the June 30, 2015, July 30, 2015, and August 30, installment due dates, the late fee balance owed on the account in the amount of $225.00, and the repossession fees of $Per your contract, a late fee is assessed when you fail to pay your scheduled payment in full within days of the date it is dueWhen a vehicle has been repossessed, the account must be current in order to reinstate; this includes payment of the late fees In an additional effort to assist you, the decision was made by upper management to offer you a deferment for the September 30, and October 30, installment due dates 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 authority Included for your review are copies of your contract and account payment history Should you have any further questions, please feel free to contact GM Financial at ###-###-#### Sincerely, GM Financial

July 31,
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 requiredFor
verification purposes, please reply with the account number and/or the last four digits of your social security number, along with the year, make, and model of the vehicleUpon receipt of this information I will research this matter
Sincerely,
GM Financial

May 31,
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
On April 20, 2018, GM Financial requested a copy of your bank statement or proof of cleared funds in order to assist us to research and locate the funds in questionReview of your account indicates we only received a screen-shot of the transactionsPlease provide a running bank statement indicating the payment cleared your account or other transaction information on bank letterheadAt your earliest convenience, please reply by fax or mail and include your original request, the proof of cleared funds from your bank, your full name, account number, complete mailing address and phone number to the address or fax number below:
GM Financial
Attn: Compliance Department
*** *** *** *** ***
*** *** ** *** Fax: ###-###-####
Should you have any questions or are in need of additional assistance regarding this matter, please contact GM Financial at ###-###-####
Sincerely,
GM Financial

February 13,
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 be aware, GM Financial
is an indirect lender and all credit decisions are based on the consumer’s credit files obtained by the credit reporting agencies at the time the application was submittedAdditional considerations included income and expenses as listed on the credit application signed by you, as well as the cost of the collateral
Please understand that all contract negotiations would need to be handled between yourself and the selling dealerIf you have any questions or require additional assistance, please contact GM Financial at 1-***-***-***
Sincerely,
GM Financial

Complaint: ***
My account number is listed on my credit report as
***The last of my ssn is ***. Name on the account was *** ***, son 08/29/
Regards,
*** ***

Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information. Attached for your records is a copy of the Settlement Confirmation LetterA hard copy has been mailed to your recently updated address of record. Please understand that 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 satisfiedAccording to our records, GM Financial is allowing you to settle this account balance as a charged-off account in the amount of $1,to be paid in installments due on the last day of each month beginning December 31, The final installment for the settlement amount is due on May 31, The next scheduled credit bureau reporting date for your account would fall on June 7, or June 8, You will need to allow the credit bureau reporting agencies 30-days from these dates to reflect the updates to your GM Financial tradeline. Should you have any further questions or require additional assistance, please feel free to contact GM Financial at 1(877)203-5539. Sincerely,GM Financial

Complaint: ***I am rejecting this response because: I would like to see proof of that GM Financial sent the required letters to my address of recordAlso, I would like to know the exact address they "sent" the required notices toThey did not state what address it was sent toIf they did not send it to an adress I authorized communication from or the original address on fileThen they did not fulfill their duties and they're collection activities are illegalPlease also provide proof that I authorized any adress changes. Please also note: if this matter isn't handled correctly and legally within the next daysI will take legal action against GM FinancialI am an attorney and I have researched the law very carefully on this matter and GM Financial is in violation of the law. Please se take this matter seriously. Regards,*** ***

Complaint:
I am rejecting this response because: While it is true that GM Financial sent a payoff statement, what they sent is useless because it only contains a total payoff amount and no details of what that amount is forIn order to get my vehicle refinanced, I must get a detailed payoff statement that show what portion of the payoff is for the remaining lease payments, what portion is for the residual balance, what portion is for sales tax on the residual buyout balance and any other miscchargesThe payoff statement must have my name listed as co-leseeI have stated that this is what I need many times and I am being told that they cannot provide this detailed informationWhat business cannot provide a detailed statement of what they are charging? As before, GM Financial will disregard the details that I am seeking and say that they have sent a payoff statementHopefully someone at GM Financial will read this request in it's entirety and respond addressing my detailed request and not just say, we sent a payoff statementThat is a total copout
Regards,
*** ***

February 14,
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
The MoneyGram payment in the amount of $was located and posted to your account on 02/13/2018, with an effective date of 01/16/Your account has not been reported to the credit bureaus for any late payments and no late charges have been assessed to your accountWe apologize for any inconvenience you have experienced as a result of this situation
If you have any further questions or concerns regarding this matter, please feel free to contact GM Financial at ***)***-***
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because:The issue never was or has been about the history of the purchase, agreed upon contractual documentation or subsequent correspondenceThe issue is simply about $being sent to GM and they not accounting for it as a payment What is of consequence is in their email they do say they have the option on how to apply the payment which I was not cognizant of but nevertheless it is what it is and the correspondence with GM has been as fruitless as the periodic customer surveys they send out where I have responded with the same complaint only to be replied to with the same rhetoric That said I will settle the financials with GM and be finally rid of any business with them now or in the future
Regards,
*** ***

March 14, 2016Re: 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 informationWe apologize for the delay in regards to your
property taxesThere is a known issue that is affecting all leasing companies, including GM FinancialThe supplemental bills did not get mailed out, and we are currently working with Loudon County regarding this issueGM Financial sent a check to Loudon County on March 7, via overnight mail in the amount of $An invoice in the amount of $for the property tax was sent to your address of record on March 10, We received a payment in the amount of $on March 8, that will be applied towards the property tax.We appreciate you bringing this matter to our attention and apologize for any inconvenience this has causedIncluded for your review is a copy of the account payment historyShould you have any further questions or require additional assistance with regard to this matter, please contact Customer Service at ###-###-####.Sincerely, GM Financial

Tell us February 13,
Re: Complaint ID: *** *** ***
Dear Ms***,
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
why here

February 10, 2017 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 April 15, 2013, you entered into a Retail Installment Sale Contract (“Contract”) with Pruitt Ford for the Ford Edge in the amount of $16,at an interest rate of 13.60%Within the agreement, he agreed to repay the loan in monthly installments in the amount of $per month, beginning May 15, 2013. On December 08, 2016, the decision was made to repossess the vehicle, as allowed by the contractAt this time the account was days past duePlease be aware, numerous efforts were made to contact you regarding the status of his accountThe 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. Included for your review is a copy of the Contract and Account Payment HistoryIf you have any further questions or are in need of additional assistance regarding this matter, please contact GM Financial at ***. Sincerely,GM Financial

I recieved my first statement today unfortunately I sent payments to the Arlington address earlier this week due to the fact that it was the only address I had until todayWhat is going to happen to those payments? I never received a first statement and looking at feedback from your other customers this is not a new issue Am worried that your companies inefficiencies will reflect on my credit scoreI made every attempt by calling the dealership and speaking to your rude customer service center to get this resolvedTake a look at comments about Gm financial from January through todayThis seems to be an ongoing issue With a lot of customersI have always bought brand new and thought I would try a leaseBig mistake I will never lease again.

October 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
On January 7, 2012, you signed a Retail Installment Sale Contract (“Contract”) for the purchase of the referenced Chevrolet Camaro Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning on February 06,
Please be advised the legally required “Notice of Right to Redeem or Reinstate” and the “Notice of Our Plan to Sell Property” was mailed to your address of record on October 14, Further review of your account reflects an amended “Notice of Our Plan to Sell Property” was mailed to your last known address of record via certified mail on November 21, All certified items were returned to GM Financial as unclaimedAfter the sale of the vehicle at auction, a “Deficiency Calculation” letter was mailed to your last known address of record on December 31, 2014, at this time a deficiency balance of $11,remainsOur records reflect this item was not returned to GM Financial
Please note, the Statute of Limitations acts as a bar to filing a lawsuit on the debt, but does not require GM Financial to automatically stop all collection activities and does not govern or contain dictates regarding the reporting of the account to the credit reporting agenciesTo inquire about the exact date the GM Financial trade line will be removed from your individual credit bureau reports, please contact the credit bureau reporting agencies directly
Should you have any further questions or require additional assistance regarding this matter, please feel free to contact GM Financial directly at *** ***
Sincerely,
GM Financial

Revdex.com,My account number is *** Are you able to pass this on to GM financial?
Regards,
*** ***

March 30,
Re: Complaint ID: ***
Dear Ms***,
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 that a payment was set up on March 3, via Western Union Speedpay in the amount of $60.00, confirmation # *** Please note, this item was returned on March 13, to GM Financial as insufficient funds GM Financial is unable to comply with your request to refund $as there is no refund due on the account
Should you have any further questions or require additional assistance please contact GM Financial at ###-###-####
Sincerely,
GM Financial

Revdex.com:
GM Financial is asking for my account number, which is ***
Regards,
*** ***