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,
*** ***? ?

August 16,
Re: Complaint ID: ***
? ? ? ? ? *** ***
Dear *** ***,
Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information
Please be advised our records reflect the Assumption Authorization Form and Credit Application were e-mailed timely each time and to each party as requested
A further review of our records does not reflect that the requested bank statement has been received As you have been advised, in order to refund one of these payments, proof of cleared funds is requiredProof of cleared funds can be a bank statement reflecting both payments and a before and after balance, or a letter from your bank on bank letter head referencing that both payments have cleared as well as the dates cleared; this letter must also provide the name and contact information of the bank representative providing the informationPlease understand that the refund process can take 3-weeksYou may fax the proof of cleared funds to Lease Servicing at ###-###-#### or you may email the documents to [email protected]
We apologize for the poor level of service you feel you have received Please be assured that GM Financial gives customer service a high priority and is totally committed to achieving excellenceShould you have any further questions regarding this matter, please contact Lease Servicing at ###-###-####
Sincerely,
GM Financial

August 23,
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

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,
*** ***

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

March 8,
Re: Complaint ID: *** ? ? ? ? ? Kendra ***
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
Our records reflect that on January 30, we mailed the title to the Department of Motor Vehicles (DMV) of Oregon via *** Tracking #***Please note that if the title was lost or misplaced, we will need a rejection letter from your local DMV stating this informationPlease send a copy of this notification via fax to ###-###-####We will then be able to process your request for a duplicate title
Should you have any further questions or require additional assistance in regards to 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

February 24,
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
reflect on February 17, a GM Financial representative provided you with your user ID and reset your password for access to MyAccountIf you are still having trouble accessing your MyAccount profile, it will be necessary to speak with you directly in order to further troubleshoot and rectify this matter At your earliest convenience, please contact Customer Service directly at *** *** so that we may further assist you with logging in
Hours of Operation:
Monday through Thursday, 7:a.mto 8:p.mCT
Friday, 7:a.mto 7:p.mCT
Saturday, 7:a.mto 4:p.mCT
Sincerely,
GM Financial

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

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,
***? ***

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

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

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.? I spoke to *** *** *** at GM financial friday the 23rd and tried on several occassions with my banker *** from ** *** ***? to fax my banking statements without success.? I faxed from another location my banking statements and they where received and proved that there was no reversed payment.? *** advised me that *** was able to credit my account to make it current.? I checked my account online today March 28th and saw that my account is paid up to date with my next payment of due April 1st 2018.? I thanked *** on her voice mail I was not able to speak to her for finally correcting their error on my account.?
Regards,
*** ***

I was in contact with the VP of Customer service whom was able to resolve my complaintNo further action is needed at this time as the issue has been resolved
Revdex.com:

1) It does not require multiple hard inquiries of a credit report in a hour period to secure a lease.?
2) I did not authorize multiples pulls of my creditPlease provide authorizations for multiple pulls signed by me as well as the name of the individual who clearly explained that multiple credit pulls would take place with a single financial institution for a single lease agreement ? 3) Unacceptable business practice.?

? Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information.? GM Financial reports to the credit bureau reporting agencies once per monthThe payoff for your account was received on February 22, 2016, after the reporting date had passed on February 11, The next scheduled reporting date occurred on March 14, On this date your account was reported closed and paid, but more than days past due at payoffThe “Date Closed” was reflected as February 22, and both the “Current Balance” and “Past Due Balance” were reported as $? The reporting of the account to the credit reporting agencies is done in accordance with the industry standard of the Metro II format in compliance with the Fair Credit Reporting Act (“FCRA”) and reflects the payment record of how the debt was paidOur research concludes that the status, dates, amounts, and payment history of your account have been reported to the credit bureau reporting agencies with accuracy.? Should you have any further questions or require additional assistance, please contact Customer Service at ###-###-####.? Sincerely,GM Financial

Revdex.com: ? The statement above is in correct but I finally got my refund as of yesterdayGMC financial put me thru the ringer
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Regards,
*** ***

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

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,
*** ***

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,
*** ***