GM Financial

I asked that my difference be refundedAs I have said when I spoke to the representative I stated that I did not feel comfortable making the payment due to the car no longer being in my possession and since they were going to be receiving a payoffThe representative told me that I would need to make the payment anyway regardless of them receiving a pay off and I would get the differenceSince it showed my payment and this was something discussed it should have been placed in the notes and the payoff amount that should have been requested should not have included my payment madeHad the representative told me correctly and that this was not necessary I would have not made the payment and let it be handled with my dealershipI had been informed the representative the day that they would be issued the checkAlso before getting any information I had to go back and forth with numerous people on more than one day before I finally got someone to actually try to assist meThis is absolutely ridiculous and I feel like I am being taken advantage ofThis company has even showed a past of payment issues just by looking at all the other complaints you can see that they become negligent when it comes to payments on people's accounts

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information.On September 26, you signed a Motor Vehicle Retail Installment Sales Contract for the purchase of a Hyundai Elantra in the amount of
$11,at an annual percentage rate of 17.99% due on the 1st of each month for a month termThe contract is a simple interest contract which means interest accrues daily on the unpaid principal balance.Notification of the type of contract is fully disclosed on the top of the first page of the contractA full explanation of Finance Charges and Payments is explained on the back of your contract in the first section titled “FINANCE CHARGE AND PAYMENTS”? ? When you signed the contract, you agreed to the terms of the contract and acknowledged receipt of the completed contract and that before you signed this contract, it was given to you and were free to take it and review it.GM Financial received payment for the August 1, installment due date on September 17, 2015; when the account was days past dueThe account was reported days past due to the credit bureau reporting agencies on September 1, 2015.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 bureau reporting agencies with accuracyAs a result, we are unable to make any changes or deletions to the credit bureau reporting of your account.Included for your review are copies of your Motor Vehicle Retail Installment Sales Contract and Account Payment HistoryShould you have any further questions or require additional assistance, please feel free to contact GM Financial at 1(800)284-2271.Sincerely,GM Financial

July 6,
Re: *** ***
? ? ? ? ? Complaint ID: ***
Dear Mr***,
Thank you for the correspondence sent to the Revdex.comWe have reviewed your concerns and would like to offer the following information
On March 27, 2018, the
vehicle was involved in an accident and was declared a total loss by *** *** GM Financial received a payment on April 23, 2018, from *** *** in the amount of $18,749.00, this has been posted to your account, effective the date of lossPlease be advised, GM Financial is actively working with the GAP provider, ***, to complete the claim
On June 29, 2018, GM Financial submitted an update to the credit reporting agencies to remove the derogatory mark and reflect the current status of your accountPlease note, the credit bureau reporting agencies can take 30-days to accept and process the updatePlease be aware that any disputes submitted through the credit bureaus prior to these changes may cause the credit agencies to void the update submitted by GM Financial
Please be assured that GM Financial gives customer service a high priority and is totally committed to achieving excellence We appreciate you bringing this matter to our attention and apologize for the poor level of service you feel you have receivedShould you have any further questions or require additional assistance, please feel free to contact us at ###-###-####
Sincerely,
GM Financial

July 9,
Re: Audrey ***
? ? ? ? ? Complaint ID: ***
Dear Ms***,
Thank you for the correspondence sent to the Revdex.comWe have reviewed your concerns and would like to offer the following information
On September 26, 2017, the
account was enrolled in the Western Union SpeedPay recurring payment plan online to begin drafting on October 8, This initial payment was returned by your bank as “no account/ unable to locate account” thereby disabling the planSubsequent one time payments were made monthly using Western Union Speedpay OnlineThe installment payment due on January 8, was received on February 20, 2018, this payment was over days past duePlease note, on March 2, 2018, the account was re-enrolled in the Western Union SpeedPay recurring payment planThe first scheduled payment draft was on March 5, 2018, with the last payment scheduled to draft on July 5,
GM Financial has submitted an update to the credit reporting agencies to remove one derogatory mark and reflect the current status of your account due to our recent system enhancementPlease allow the credit bureau reporting agencies 30-days to accept and process the updatePlease be aware that any disputes submitted through the credit bureaus prior to these changes may cause the credit agencies to void the update submitted by GM FinancialYou will receive a credit rating letter in a separate mailing
Should you have any further questions or require additional assistance, please feel free to contact us 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.Our records reflect that on December 28, 2009, you obtained a payoff quote in the amount of $720.25, good through January 7, Later on this same date GM Financial received a payment submitted online through Western Union Speed Pay in the amount of $140.00, leaving a balance of $Our records further reflect that from December 29, through January 5, 2010, six automated telephone calls were made to the telephone number of ###-###-####With regard to the address on file, GM Financial received several returned billing statements in and also attempted numerous times to reach you by telephone regarding the status of your account and to verify your address between October 29, and January 5, During this timeframe, messages were left on your voicemail and with parties who answered the telephone at ###-###-####Our records do not reflect that any of these calls were returned, nor do they reflect that you contacted GM Financial until March 18, 2016; at which time you updated your addressPlease understand that you’ve also had the option to update your address information online at any timeThe letters dated December 29, and January 5, were mailed to the only address we had on file for you at that timeOur records do not reflect that these letters were returned to GM Financial.Validation of the late fee balance has been provided to you in the form of your account payment history and contractThe title for the vehicle was mailed to your updated address and faxed to Jennifer at ###-###-#### on April 8, Should you have any further questions or require additional assistance, please feel free to contact Customer Service at ###-###-#### or ***.Sincerely,GM Financial

Complaint: ***I shouldn't have a balance I have full cover Auto Insurance and full cover gap insurance and the vehicle should have been totally paid off? and my money that I pay should have been returned to me along with the warranty refund as stated to me by G.M , *** and total Gap and every month the payments is going up more and more
I am rejecting this response because:
Regards,
*** ***

July 6,
Re: Complaint ID: ***
? ? ? ? ? *** L***
Dear Mr***,
Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information
A refund has been
requested and completed A check in the amount of $1,was issued to the address of record on July 5, via FedEx tracking number ***
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

March 23,
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 do not reflect that your GM Financial
account is being reported to the credit agencies as a paid charge-off Should your records reflect this, please forward a copy of your credit report to fax number ###-###-#### for review
Should you have any further questions or require additional assistance with regard to this matter, please contact Customer Service at ###-###-####
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because: I am still accruing interest since the accident and the balance past due reflects that I do not have and the vehicle has been ruled as a total loss? GAP has confirmed receipt of the payment history but I am disputing the past due amountLate Fee, payments being due and interest need to be removedThank you for the assistance with providing the payment history.?
Regards,
*** ***

September 1,
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
Please note upon the origination of the lease you resided in Nevada where sales tax is charged on the individual monthly lease paymentIn the state of Ohio it is required that sales tax be paid upfront based on the total amount of lease payments for the entire lease term
As outlined in your lease agreement (See Page 2, under Other Terms and Conditions, Section H) it states, you must pay personal property taxes, ad valorem, sales, use or similar taxes assessed on the Vehicle, whether such fees or taxes are part of his scheduled paymentWe may change the scheduled payment if taxes change
A review of your account reflects communication has occurred between you and a GM Financial representative regarding the vehicle
Should you have any further questions or require additional assistance regarding this matter, please feel free to contact Lease Customer Service department directly at ***
Sincerely,
GM Financial

October 20,
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 full GM Financial account number or social security numberUpon receipt of this information I will research this matter
Sincerely,
GM Financial

March 22,
Re: Complaint ID: ***
? ? ? ? ? *** ***
Dear Mr***,
Thank you for the correspondence sent to the Revdex.com
Please be advised that GM Financial has submitted an update and forwarded the proper documentation to all three major credit bureaus to remove the delinquency reportsPlease allow 30-days for this information to update and reflect accordinglyPlease also 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
At your previous request, the overage amount paid on the account was reversed and applied to your new lease accountOnce the vehicle is sold at auction, a final bill will be sent to you if there is a balance owedShould you have any further questions regarding this matter, please contact GM Financial at ***
Sincerely,
GM Financial

April 25,
Re: Complaint ID: *** ? ? ? ? ? *** * ***
Dear Ms***?
Thank you for the correspondence sent to the Revdex.com I have reviewed your concerns and would like to offer the following information
GM Financial is
required to report truthful and accurate information to the credit reporting agencies Please be aware, our records reflect the following months for the account were reported days past due for November and December 2015, January, August, September, October, November and December 2016, January, March and April The account was not reported for any of the months deferred
Due to a recent enhancement, an issue was identified Consistent with our obligation to report only accurate information, GM Financial has suppressed reporting while remediation efforts are ongoing Based on your inquiry, we submitted an update to the credit reporting agencies regarding the current status of your account Please allow the credit bureau reporting agencies 30-days to reflect these updates We apologize for any inconvenience this has caused and appreciate your patience
I have mailed a copy of your account payment history and a credit rating letter for your review If you have any additional questions regarding this matter, please feel free to 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 meI would like to note that it took days to receive my money and I spent somewhere between and hours on total phone calls with different people and departments.? The bank overdraft fees were not refunded
Regards,
*** ***

Complaint: ***
I am rejecting this response because:? Per the Credit Reporting Agencies there is no law that states this claim.? Credit reporting to the agency is completely at the discretion of the agency reporting and their own internal policies.? Thank you for not helping out a customer in good standing with you.? You only show to prove that big business just wants the consumers money and care nothing for the consumer
Regards,
*** ***?

July 2,
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
On November 3, 2017, you signed a Motor Vehicle Consumer Simple Interest Installment Sale and Security Agreement for the Chevrolet Malibu in the amount of $21,at an interest rate of 6.95%The contract terms you agreed upon, state the loan would be repaid in monthly installments in the amount of $per month, beginning December 18,
Upon review of the account, our records indicate that your April payment due date was not satisfiedAn amount of $was still due causing you to owe this amount each monthThis information was explained to you on June 20, and again on June 26,
On June 29, 2018, we received a payment in the amount of $The payment was applied towards your remaining amount owed for your June due date in the amount of $Your account currently reflects a credit in the amount of $that was applied towards your July due dateThe amount due to in order to satisfy your July due date is $
A copy of your account history has been requested and will be mailed to the address of recordShould you have any further questions or require additional assistance please contact GM Financial at (800) 284-
Sincerely,
GM Financial

March 23,
Re: Complaint ID: *** ? ? ? ? ? *** ** ***
Dear Ms***,
Thank you for the correspondence sent to the Revdex.comAt this time, GM Financial is currently reviewing your accountA full response will be issued once the review
has been completed
Sincerely,
GM Financial

April 20,
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 that you were enrolled automatic
monthly ACH payments to draft on your due date of the 20th of every month Please note, we require a notice of business days in order to cancel the automatic payments
Please be aware, the payoff check received from *** *** *** *** *** The payoff was posted to your account on March 20, with an effective date of March 19,
The overage refund is scheduled to be sent to you on April 20, per the standard time frameYou may contact our customer service department and provide proof of cleared funds for the March 20, payment in order to request an expedited refund
We would like to apologize for any inconvenience you have experienced as a result of this situationShould you have any additional questions regarding this matter, please feel free to contact GM Financial at ###-###-####
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because: Not one bill shows the information you are saying.? Payments have been made extra to each and every bill.? Please bring up the bill that was due each monthExplain to me which bill I failed to pay?? Also explain each payment and show me where I paid less than the minimum balance of each bill?? The fact that you guys are applying the payment however you want does not constitute my account going into arrears when you sent a bill and I paid more than each bill that was sent to me
Regards,
*** ***

June 23,
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
Please note a refund in the amount of $was issued by GM Financial Check Number *** and sent by regular mail to your address of record on June 20, Please allow to business days from the time the check was issued for it to be received
Please be advised our records reflect the title for the Buick Enclave is to be released to your address of record as of today, June 23,
Should you have any further questions or require additional assistance with regard to this matter, please contact GM Financial directly at *** ***
Sincerely,
GM Financial