GM Financial

February 7, ? RE:? Complaint ID:? ***? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? *** ***
? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? Dear Ms***: ? Thank you for forwarding the correspondence sent to the Revdex.comWe have reviewed your concerns and would like to offer you the following information ? Please note that we have waived the late fee that assessed to your account in the amount of $ ? Billing statements have been updated with the correct mailing address for payments and we apologize for any inconvenience this has caused? Please contact our office at ***? should you have further questions or concerns ? Sincerely, GM Financial ? ? Tell us why here

July 24,
Re: Complaint ID: ***
? ? ? ? ? *** ***
Dear Mr***,
Thank you for the additional correspondence sent to the Revdex.com We have reviewed your concerns and would like to offer the following information
On June 27, 2015, you signed a Retail Installment Sales Contract for the Dodge Caravan in the amount of $7,at an interest rate of 12.40%The contract terms you agreed upon, state the loan would be repaid in monthly installments in the amount of $per month, beginning August 11,
As stated on your monthly billing statement under Failure to Pay, We may report information about your account to credit bureausLate payments, missed payments, or other defaults on your account may be reflected in your credit report
Please understand that GM Financial is required to report truthful and accurate information to the credit reporting agenciesIn order to ensure that the account history is reflected accurately, GM Financial submitted an update and forwarded the proper documentation to all three major credit bureaus on July 23, Please 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
A copy of your account payment history has been mailed to the address of record for your reviewShould you have any further questions or concerns with regard to this matter, please contact GM Financial at ###-###-####
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because:There is a misunderstanding? I am not asking to be removed from the loan or said contract for the lease? I am simply asking that I be allowed to re-register the car in the state of NJ so that I will not be solely listed on it with *** *** and held liable for any and all parking tickets or ezpass violations? I went to the DMV and was advised the power of attorney provided to me to do this was not worded properly? The supervisor at the NJ DMV advised me the power of attorney needs to state that my name be removed from the vehicle registration and *** ***'s name be placed on it with *** ***? This is a common procedure involving only registration? It has nothing to do with the contract for this vehicle which is under bankruptcy at the moment? GM has repeatedly advised me that if *** continues to pay they will let him keep the vehicle even though I filed bankrupcy? I have no problem with this but I can not be left on his registration? He is not even listed and this is causing major problems for me? ? This is leaving me responsible not *** for any and all parking tickets and ezpass violations? Please don't hesitate to contact me if further clarification on the issue is needed
Regards,
*** ***

? Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information.? On December 10, 2012, you signed a Retail Installment Sale Contract (“Contract”) for the purchase of a Chevrolet Cruze in the
amount of $21,at an interest rate of 10.90%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning on January 24, 2013.? Please note that GM Financial places a high priority on adhering to all state and federal lawsThe state of Pennsylvania does not require a cure period or notice of repossession be mailed prior to repossessionOn November 19, 2015, the decision was made to place the vehicle out for repossession, as allowed by your contractAt this time the account was days past due for the September 24, installment due dateThe vehicle was recovered on November 22, and reinstated on November 24, On June 23, 2016, the decision was again made to place the vehicle out for repossession, as allowed by your contractAt this time, the account was days past due for the April 24, installment due dateThe vehicle was again recovered on June 24, The account history was reviewed thoroughly and it has been determined that the handling of the account, including both repossessions, are in compliance with your contract as well as all state and federal laws? Please understand that due to the bankruptcy filed and discharged, GM Financial is unable to issue a monthly billing statement; however, our records reflect that you were advised verbally in February, March, April, and June of your monthly due date and the past due balance owed on your accountAll payments that you have provided proof of have been accurately accounted for within the payment history of your accountBased on a review of this information, it appears that payments are not being made every single month, and this led to the delinquency of the account and the assignment of the vehicle for repossession? The State of Pennsylvania is a redemption state, meaning that if we repossess the vehicle, you may get it back by paying the unpaid part of the Amount Financed plus the earned and unpaid part of the Finance Charge, any late charges, and any other amounts lawfully due under this contractGM Financial made an exception and allowed the reinstatement of the vehicle in November of Since the reinstatement of the vehicle, you have not maintained strict compliance with the terms and conditions of your Retail Installment Contract or the Reinstatement Agreement; resulting in a second repossession of this vehicleGM Financial is unable to make any further exceptions, and in order for you to get the vehicle back; you will have to pay everything owed under this contract in full, prior to the vehicle being sold at auctionOur records reflect that you were advised of this information on June 27, 2016.? Additional copies of your contract, payment history, and Reinstatement Agreement have been mailed to your address of record.? Should you have any further questions or require additional assistance, please contact GM Financial at ###-###-####.? Sincerely,GM Financial

? This is GM FINANCIAL's way of avoiding the question of, I want a copy of a contract that bears my original signature or remove it from my credit report.?

October 17,
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
As outlined in your
Lease agreement, you are responsible for Excess Wear and Tear and Excess Mileage charges as described within the LeaseTotal termination charges are calculated after the Lease Termination Inspection is done to the vehicle
As a courtesy, GM Financial waived $of the Excess Wear and Tear for the remaining lease payment as part of the GM Financial Loyalty ProgramThe program rules explain that any billable amounts that exceed $in excess wear or $in excess mileage will be the responsibility of the customerAs of the date of this letter a deficiency balance is still owed on the Lease in the amount of $
Should you have any additional questions regarding this matter please feel free to contact Lease Customer Service at ***-***-***
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because: the inaccurate and negative credit reporting (days paid late) from GM Financial is drastically affecting our credit scoreWe are in the process of trying to purchase our first home and due to the drastic drop with our credit score, we cannot proceed to get financed!?
Regards,
*** *** *** ***?

I was in fact blocked from using the website for payment? When I would log in it would get an error code that stated: Due to the account status, your account has been blocked? It was not from a log in error, because since my complaint I have attempted logging in and miracously I suddenly have access? I want a formal apology and a guarantee this error will not happen again

Complaint: ***
I am rejecting this response because:? First, I never submitted a dispute the either of the credit bureaus because the problem was with GM Financial not sending the credit bureaus monthly updates and not the credit bureausSecond, I do not need a copy of my account payment history nor a credit rating mailed to me because I am 100% clear I have made all payments on timeWhat I do wish for you to confirm is that GM Financial has fixed the problem that caused you not to send an update to the credit bureaus since November (last update December 2017)Also confirm that my credit report will be updated monthly going forwardYou can mail me a letter regarding these issues
Regards,
*** ***

Complaint: ***
I am rejecting this response because:
Regards,
*** *** there is nothing I can do the party involved is diseased & the only resolution is to remove the $charge from my diseased fathers name,this is elder abuse as my mother a surving spouse is medically unable to drive & she was not aware at time of her husbands passing that she could abandon the lease & as a upstanding citizen & senior she continued to make payments on the vehicle & did NOT drive it,that explains why the mileage is 20,below lease term if this is not resolve & charges removed/waived,DUE TO DEATH OF LEASEE I will be contacting office of elder affairs,consumer protection agency & filing a lawsuit under the terms of lease stipulation of a ‘death’

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
On February 22, 2014, you signed a Retail Installment Sale Contract (“Contract”) for the purchase of a Chevrolet Spark Within the
agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning on April 8,
Our records reflect on October 7, 2015, a representative notified you that the payoff had not yet been received and that the payment made on October 6, had been processed and applied to the balance of the accountThe representative also explained that a refund would only be processed if there was an overage after the payoff was received
On October 14, 2015, GM Financial provided Fairfield Chevrolet with a payoff quote good for days in the amount of $ 12,This amount included the payment processed on October 6, A check in the amount of $12,from Fairfield Chevrolet was received October 19, At this time the balance owed to payoff the account was $12,leaving an overage in the amount of $Check number in the amount of $was issued to your address of record on November 13,
Our records reflect all refunds owed have been released and mailed to your address of record
Should you have any further questions or require additional assistance with regard to this matter, please contact GM Financial at ###-###-####
Sincerely,
GM Financial

November 15,
Re: Complaint ID: ***
? ? ? ? ? *** ***
Dear Ms***,
Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer you the following information
Our records indicate at
payment in the amount of $was submitted via Western Union SpeedPay online at 10:p.mon April 8, As this time is after both banking and business hours, the payment was processed and posted on April 9, Please be aware the online payment option states any payment made before p.mCT will post to your account on the day you schedule it (excluding weekends and holidays)Any payment made after p.mCT will post to your account the following business day (excluding weekends and holidays)
Please understand that GM Financial is required to report truthful and accurate information to the credit reporting agenciesOur research concludes that the account status and account payment history have been reported to the credit agencies with accuracyAs a result, we are unable to make any changes or deletions
A copy of the Payment History has been mailed to your address of recordIf you have any further questions or require additional assistance, please feel free to contact our 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 provide the following information
As per your payment history no late fees have been paid on account number ***For account number *** our records reflect that payments were applied towards the principal and interest first, and if any remaining then were applied to late feesOur records also reflect that calls have been made on both of your GM Financial accounts
Should you have any further questions or require additional assistance, please feel free to contact Customer Service at ###-###-####
Sincerely,
GM Financial

April 18,
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 be advised that the payment in question was located and applied your account with an effective date of February 7, in the amount of $Your GM Financial account reflects current with the next payment due date of April 26, in the amount of $As of the date of this letter, please note there have been no derogatory marks reported to the credit agencies
We apologize for any inconvenience this situation may have causedShould you have any further questions or require additional assistance please 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 provide the following information.? The breakdown of your monthly payments and how much interest accrued during your deferred installments is reflected on your Account Payment History and has been provided to you on several occasionsThe breakdown of each payment received during a billing cycle is also reflected on your monthly billing statements.? A per your Contract, your Annual Percentage Rate is 22.5%The per diem (daily interest amount) changes when the principal balance changesEach time there is an amount applied to the principal balance, the daily interest amount must be re-calculatedIncluded for your review is a copy of a Simple interest worksheet which explains how to calculate the principal and interest of each individual payment for a Simple Interest Contract.? GM Financial defers payments for one to up to? two months at a timeOur records reflect that you opted to defer two monthly payments at a timeThe three deferment agreements you acknowledged online were for monthly installments eachThe installments being deferred are specified? within the deferment agreement.? GM Financial’s position regarding this matter has not changed and a balance still remainsYou have satisfied the number of installments specified within your contract; however, the total amount of these payments does not satisfy the full balance owedAs you have been previously advised how much you will owe over the life of this loan is completely dependent on how you’ve paid the account; and as a result of your account payment history, the actual amount you will pay is more than the amount reflected as the Total Sale Price shown in the Truth In Lending Disclosures.? Should you have any further questions or require additional assistance, please contact Customer Service at ***.? Sincerely,GM Financial

June 14,
Re: Complaint ID: ***
? ? ? ? ? *** ***
Dear *** ***,
Thank you for the correspondence sent to the Revdex.com We would like an opportunity to address your concerns; however, additional information is required For
verification purposes, please forward me your account number, last four digits of your social security number, mailing address, along with the make/model of the vehicle Upon receipt of this information we will research this matter
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,
***? *** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11192744, and fhind that while not all statements made by business are correct, I was able to get my vehicle back and just want to be done with all of this?

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.The $should have been quoted to Progressive Insurance, and I believe that it was reflected in the initial payoff quote to them on August 8th? However, it was later updated and a lesser amount was agreed upon by GM to close out the account which apparently was after my pay payment? I will continue to dispute this until the money is refunded? The full payoff amount should have been charged to Progressive after being notified that the car was a total loss? Furthermore, customer service should have explained to me the process of cancelling through the Western Union System, because not only did I request that payment be stopped, but I was under the notion that once the account was paid in full no further payments would need to be made on the account? It is also ridiculous that I now have to dig through records and come up with sufficient proof to show GM Financial of the over payment? The check that was sent to Capital One to pay off the trade prior to the lease was $more than what was owed on that loan? Capital One insists the overpayment would have been sent back to GM Financial? The remaining balance on the car was rolled over into the lease on the new car and subsequently financed and GM Financial told me the overpayment would be applied to my final payment? Now I am being told there is no record of it and to provide proof? ? Imagine that? I am really wishing I didn't just take out a new lease through GM Financial? I will contact Capital One and obtain documentation showing what they received from GM Financial and what I sent them for final payment.? Regards,
*** ***

August 1,
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 January 20, 2017, the
vehicle was involved in an accident and declared a total loss by Go Auto InsuranceOn January 31, 2017, GM Financial quoted a payoff in the amount of $16,good for days to the insurance companyOn February 14, 2017, GM Financial received a payment from Go Auto in the amount of $11,
As per your contract, the payment was applied to the balance of your account reducing what you oweInsurance proceeds will only be applied to the principal balance of the accountYou are still responsible for maintaining the monthly installment payments and are still subject to monthly credit bureau reporting until the account is paid in fullPlease be advised you were informed of the credit marks if payments were not made verbally and a Total Loss letter was mailed to you on February 1, informing you of thatThe insurance proceeds received from Go Auto were applied to your account balance and were not enough to pay the amount you owe
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
If you have any further questions or are in need of additional assistance regarding your account, please contact the GM Financial Total Loss Department at ***
Sincerely,
GM Financial