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.Thank you for the additional correspondence sent to the Revdex.comI have reviewed your response and I would like to reiterate the following.As you have been previously advised, I will not be commenting any further on the double payment from 7/29/since that is a COMPLETELY SEPARATE ISSUERegarding the 7/28/refund, per your request, I have emailed you proof of cleared funds in the form of my bank statement reflecting both payments and a before and after balancePer your statement on Revdex.com response, I expect this payment be completely processed no later than 9/13/to 9/20/(to weeks)To ensure that the 7/28/payment will be refunded as we have agreed upon, I have sent correspondence to GM Corporate, as well as Consumer AffairsThe status of these complaints will be updated to settled once your refund has been completely processed.Regards,
*** ***

March 20,
Re: Complaint ID: *** ? ? ? ? ? *** ***
Dear Ms***,
Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information
As of the date of this letter, your account currently ending in reflects a credit of $
Should you have any further questions or require additional assistance in regards to this matter please contact GM Financial at *** ***
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because:? A) Under what circumstances was it undeliverable? I ensured that my address was correct, and that the other party on the title had done the same.? ? B) How has it been almost a month since my title has been returned as undeliverable to GM Financial, yet nobody has bothered to contact me to get this rectified??
Regards,
*** ***

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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and am supplying the requested information.last of social: ***Chevrolet Spark
Regards,
*** ***? ?

April 18,
Re: Complaint ID: ***
? ? ? ? ? *** ***
Dear Mr***,
Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information
As previously explained, 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 Financial at ###-###-####
Sincerely,
GM Financial

February 23,
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

Complaint: ***
I am rejecting this response because: I'm sorry I just really am having a hard time with this I don't feel that my file has been taken care of the way it should beI signed up for auto-payIt was not taken out of my account like it was supposed toAnd because of that my payment is late and now my credit has a ding in itI don't understand how that is my faultAlso like I said before I have had the same phone number for years they have had my phone number on file since day oneAs I said before this is my fourth or fifth car with GMACI think I am being treated unfairly and this really upsets me.I work in customer service and I know for a fact when somebody doesn't make a payment you reach out to them you find a way to get info to themYou email them you call them you send stuff in the mail I got none of thatThat's why I thought everything was taken care of I was out of town my grandma died a tragic death she fell and hit her head and we had to sit there and watch her die it was horrificWe had minimal service there and I came home to this mess I really can't emotionally deal with this right now but I can tell you I'm extremely extremely upsetI feel like you guys have all my contact info but you didn't care to use it to let me know my payment wasn't taken outSigning up for automatic deduction makes people not have to think or worry about their payment because in most cases things are taken out correctly.....but in my case someone dropped the ball and it never got set up correctlyAnd I was told if anything is wrong with my payment they would let me know that never happened....can I just pay it in full and close my account? And go elsewhere???? I was going to probably? lease another Chevy Equinox but now I'm thinking I'm going to switch over to Jeep
Regards,
***? ***

March 28,
Re: Complaint ID: ***
? ? ? ? ? *** * ***
Dear Ms***,
Thank you for the correspondence sent to the Revdex.comAfter reviewing your account, we would like to off the following response
On February 11, 2014, you
signed a Retail Installment Sale Contract for the purchase of a Chevrolet Cruze in the amount of $31,at an interest rate of 11.90%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning on March 13, 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 January 2, 2017, the vehicle was involved in an accident and declared a total loss by Progressive Insurance On March 8, 2017, GM Financial quoted a payoff in the amount of $15,good for days to Progressive Insurance and yourselfOn March 21, 2017, GM Financial received a payment from Progressive Insurance in the amount of $8,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 chooseInsurance proceeds will only be applied to the principal balance of the account
Within 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 Progressive Insurance have been applied to the balance on your account and was not enough to pay the amount you oweThe amount required to pay off the account on the above vehicle is $6,This payoff must be received by April 6, 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 $ At this time, a gap insurance claim is still pending
On March 9, a total loss letter was mailed to you, explaining the total loss processIn the letter it was explained 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 fullGM 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
Should you have any further questions or require additional assistance, please feel free to contact the Total Loss department at ***
Sincerely,
GM Financial

May 17,
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 May 16, the decision was
made to place the vehicle out for repossession, as allowed by your contractAt this time the account was over days past dueThe “Notice of Right to Redeem or Reinstate” and the “Notice of Our Plan to Sell Property” were mailed to the address of record on July 10, These notices explained that you would be required to pay the difference between the amount owed to GM Financial and the amount the vehicle sold for, plus expenses if you opted not to redeem/reinstate the vehicleAfter the sale of the vehicle at auction, a “Deficiency Calculation” letter was mailed to the address of record on August 27, to inform you of the remaining balance owed
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
Please be advised GM Financial is required to send a 1099-C to the Internal Revenue Service when an identifiable event occurs, pursuant to the Internal Revenue Code and the attendant Treasury RegulationGM Financial determined an identifiable event pursuant to the Internal Revenue Service regulation occurred for calendar year and sent a 1099-C to you as required by the Code and RegulationsPlease understand that the debt was not canceled or forgiven rather it was discharged and deemed as a loss to the companyThe 1099-C was sent as required by federal law
Included for you review is a copy of your Account Payment HistoryIf you have any questions or require additional assistance please contact GM Financial at ***
Sincerely,
GM Financial

December 19,
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
On December 13,
a refund check was requested to be sent to you in the amount of $
Should you have further questions or require any additional assistance, please contact us at ***
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because: I was not able to read what they replied only my original complaint
Regards,
*** ***

January 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 requiredAt your earliest convenience, please forward
me your full GM Financial account number or social security numberUpon receipt of this information I will research this matter
Sincerely,
GM Financial

January 9,
RE: Complaint ID: ***
? ? ? ? ? *** ***
Dear Ms***,
Thank you for the additional 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

December 26,
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 September 22,
2012, you signed a Retail Installment Sale Contract (“Contract”) for the purchase of a Chrysler in the amount of $29,Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning on November 6, GM Financial employees were not present at Advantage Chrysler Plymouth (“Dealer”) during the signing of the contract and GM Financial was not an original contracting party in any agreements between the two partiesThe contract was subsequently assigned to GM Financial
On November 18, 2017, the vehicle was involved in an accident and declared a total loss by Geico InsuranceOn November 27, 2017, GM Financial quoted a payoff to Geico in the amount of $11,good for daysYou were advised during previous telephone conversations and via the notice mailed to you on November 27, 2017, 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 full
On December 19, 2017, GM Financial received insurance proceeds from Geico in the amount of $9,As per your contract, 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 chooseThe insurance proceeds were applied to the principal balance of your account reducing what you owePlease be aware, the insurance proceeds received from Geico and were applied to your account balance and were not enough to pay the amount you owe
Included for your review is a copy of the ContractShould you have any further questions or require additional assistance, please contact GM Financial at ***?
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because Ms*** response completely ignored the fact that I forwarded copies of the original email threads to GM Financial President & CEO *** ***, Exec VP & HRO *** ***, VP & Executive CFO *** *** reflecting the dates of my account and credit inquiries to *** *** ** June 29, (7:am), July 9, (12:am), August 11, (9:pm), July 22, (1:am) of which the July 22, indicated an incoming payment of $1,for August 10, ? *** never responded to even of these emails? I was told on August 7, when I called that he is now VP in another area at GM Financial and there was no note to the account and thereby I was told on August 7, (when the vehicle was seized prematurely), the account was put in repo status August 1, ? This is not the first time *** has not responded to emails from me? I have provided prior date and threads ? which *** has not addressed either? The vehicle has been delivered as of August 14, ? It is obvious from the response I received from *** August 8, that upon getting his new position he did not feel accountable to responding to my emails nor delegating anyone to respond to my inquiries? Therefore, I was left unanswered although has been my direct contact since my Attorney General complaint? How was I to know any different? ? To date, GM Financial is not providing satisfactory response to any of the other concerns I addressed in my complaint beginning with1) Email was sent to *** *** ** July 22, advising $1,would be sent to the account by August 10, ? I was notified on August 7, that Mr*** did not document the account? Therefore, the account went into repo statusMr*** has been my direct account contact since my Attorney General complaint ? There have been a few occasions where there were no responses to account nor credit inquiries on June 29, (7:am), July 9, (12:am), August 11, (9:pm), July 22, (1:am)Correction to my account and credit report and reimbursement for erroneous fees due to the account not being documented by *** *** **? Violation of FCRA provisions(a) failing to correct inaccurate and derogatory information to credit reporting agencies(b) failing to follow up on credit reporting disputes(c) failing to refrain from continuing to submit information that you know to be inaccurate, and(d) providing results of the investigation of the dispute within five (5) business days after the investigation is completed;2) Violation of FDCPA of phone contact attempts by *** *** after he was notified multiple email exchanges to communicate in writing as August 8, (12:pm); ? *** *** required phone contact as a requirement to secure the vehicle AFTER the reinstatement arrangement Monday, August 7, and payment August 10, which was emailed to him with copy of the insurance policy? Mr*** willfully ignored multiple written requests to cease phone communications and conduct matters in writing as a matter of record August 8, (12:pm)? I received two (2) calls from Mr? *** August 8, (3:pm and 3:pm)3) ? A payment history of the account back to inception4) ? A copy of the recorded conversations with Allison, *** *** and *** *** on August 7, 2017Problems such as this is the primary reason why I make my communications with GM Financial in writing so that I have time/date stamped record.It appears this may have to go into litigation for resolve
Regards,
*** ***

Complaint: ***
I am rejecting this response because:It in no way addresses my complaintAs PREVIOUSLY STATED my account is closed, therefore there is no account numberIn addition, there are numerous ways to contact me in order to verify information rather than asking me to send a social security number over emailI have a phone and can be contacted to verify informationI am still waiting on money that is mine and have not been helped in NUMEROUS ATTEMPTS when reaching out to customer serviceNick Cook assured me he would get back to me and he did no such thingI am still waiting!!!!!!?
Regards,
*** ***

Complaint: ***
I am rejecting this response because:I don't understand why they said they would mail me a refund, "if applicable"It will be applicable because the dealership bought my car but I was forced to make a car payment anywaySo GMF will be getting a check for the full amount plus my $that I was forced to payI also cannot provide documentation of the check because I did not write the checkAs I have told GMF many times, the dealership I bought my new car from bought the car, not meTherefore, I do not have the check to provide? Regards,
*** ***

January 29,
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 23, 2012, you
entered into a Motor Vehicle Consumer Simple Interest Installment Sale Contract (“Contract”) for a Dodge Avenger in the amount of $17,at an interest rate of 17.50%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning June 7,
Our records reflect that on December 12, 2017, the vehicle was involuntarily repossessed 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 laws
Please note that the vehicle has not been sold and an auction date not yet been setAfter the sale of the vehicle at auction, a “Deficiency Calculation” letter will be mailed to your address of record to inform you of the remaining balance owed
If you have any further questions or are in need of additional assistance regarding this matter, please contact GM Financial 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.?
Regards,
*** ***