GM Financial

May 15,
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 May 15, 2018, GM Financial mailed an updated End of Term letter to your address on file, per your requestThis letter has an itemized breakdown of the remaining contractual charges due on your account, as follows: Disposition fee $395.00, Excess Mileage charge $47.25, Sales Tax charge $30.96, and Total Amount Due $Please allow time for delivery by US Mail
Should you have any further questions or require additional assistance with regard to this matter, please contact GM Financial at ###-###-####
Sincerely,
GM Financial

July 27,
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 March 22, 2014, you entered into a Retail Installment Sale
Contract (“Contract”) with Lehman Hyundai Subaru Incfor the Saturn VueGM Financial was not present at Lehman Hyundai Subaru Inc(“Dealer”) during the signing of the contract and was not privileged to any agreements between the two partiesThe contract was subsequently assigned to GM Financial
Please be advised, in order for a due date change to be processed on the account, the account must be current or brought current with the request of the due date change at the time it was requestedPlease note all previous due date changes were not processed because the account was not current at the time of the request
A review of your account payment history indicates that a payment was received on April 21, 2017, in the amount of $with Conformation No***; however, this payment was returned to GM Financial as unable to locate on April 25,
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 bureau reporting agencies with accuracy; and as a result, we are unable to make any changes or deletions to the credit bureau reporting
Should you have any questions or require additional assistance regarding this matter, please feel free to contact GM Financial directly at (*** ***
Sincerely,
GM Financial

Complaint: ***? Hello,Attached is a copy of my old tradeline with GMUpon further research, this was actually my first ever car financed with them: Hyundai SonataI was in a car accident with this car, which totaled itProgressive Insurance paid GM $11,060, the pay off amount for the car, by my due dateThere is no way this should be affecting me negatively, as Progressed be paid GM Financial on time.As requester my SSN is *** ** *** * ***.? Please let me know if you need anything else!?
Regards,
*** ***?

? 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 is unable to change its position regarding this matter; if you are unwilling to provide the information requested; GM Financial is unable to request the removal of the block on your bank account with Western Union caused by the payments you stopped in January of As you have been previously advised, if you opt not to provide the requested information, an alternative option is to mail in your lease payment? Please understand that if you terminate your lease early, you will still be responsible for the Early Termination Liabilities reflected within Section on the back of your Closed End Motor Vehicle Lease Agreement and the GM Financial tradeline for this account will continue to be reflected and accurately reported to the credit bureau reporting agencies? ? If you have any further questions or are in need of additional assistance, please contact GM Financial at (855) 719-9690.? Sincerely,GM Financial

September 2,
Re: Complaint ID:
? ? ? ? ? *** ***
Dear Ms***,
Thank you for the additional correspondence submitted to the Revdex.comI have reviewed your concerns and would like to offer you the following information
On
September 27, 2013, you entered into a Retail Installment Sale Contract (“Contract”) with *** *** *** for the Chevrolet MalibuGM Financial employees were not present at *** *** *** (“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 FinancialBy signing the contract, you agreed to abide by the terms, including paying the principal amount financed of $27,at an interest rate of 7.90% in monthly installments of $
Please understand that GM Financial is both by law and by contract required to report truthful and accurate information to the credit reporting agencies While there are times, and yours is one of them, where we might like to follow our hearts and the equities of the situation and ignore our legal and contractual obligations, we just cannot do so We have reviewed the data sent to the credit reporting agencies regarding your account and have determined that the information is accurately reported
Accordingly, and with mixed emotions, we must inform you that GM Financial is unable to delete or alter your account information from your credit report
Included for review is a copy of your contractShould you have any further questions or are in need of additional assistance regarding this matter, please contact GM Financial at ###-###-####
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because:
it does not address the difference between my credit report balance and the balance GM FINACIAL debt collection reported to medollar difference is pretty significant, not to mention they report me late every month, when clearly my January payment has been reported to the credit bureau as paid....answer this one question for me....is my January payment paid or not???,
Regards,
*** ***

July 3,
Re: Complaint ID: ***
? ? ? ? ? *** ** ***
Dear M** ***,
Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
On April 1, 2016, you entered
into a Retail Lease Agreement (“Contract”) for a Chevrolet MalibuWithin the agreement, you agreed to a month lease term with a monthly payment in the amount of $per month, due on the 30th day of each monthPlease be advised the vehicle was solely leased to you and not a third party
Please note that GM Financial places a high priority on adhering to all state and federal law** The state of California requires a cure period or notice of repossession be mailed prior to repossession, a cure notice was sent to the address on file on April 15, On May 15, 2017, the decision was made to place the vehicle out for repossession, as allowed by your contractGM Financial is both by law and by contract required to report truthful and accurate information to the credit reporting agencie** We are unable to fulfill your request to refund the repossession charge** As of the date of this letter, your account is currently due for the July 1, base rent payment
Please be advised that we only disclose the telephone number where the customer can return the call, and the hours of operation on a public answering machineOur customer’s full name must be stated on the device recording to indicate a private answering device
Included for your review is a copy of your lease agreementIf you have any questions or require additional assistance please contact GM Financial at ***
Sincerely,
GM Financial

August 18,
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 be advised a release of lien has been sent to *** ***Once the completed documents have been returned to GM Financial a new release of lien will be sent to your address of record
We apologize for any inconvenience this situation may have caused Should you have any further questions or require additional assistance regarding this matter, please contact GM Financial at ###-###-####
Sincerely,
GM Financial

December 19,
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
GM Financial is required to report truthful and accurate information to the credit bureau reporting agenciesThe review 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
A copy of the complete account payment history will be sent to you separately, for your review
If you have any further questions or are in need of additional assistance regarding this matter, please contact Customer Service at ***
Sincerely,
GM Financial

June 21,
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
As outlined in the Lease Agreement, you will be responsible for any base rent, late charges, excess wear and tear and excess mileage charges due upon the termination of your leasePlease note, GM Financial has honored your request and processed a waiver for the Excess Wear & Tear fee of $699.50, as a courtesyEarly termination liability charges are calculated after the lease termination vehicle inspection is completed
Per your Contract (See Page 1, under Consumer Leasing Act Disclosure, Section Other Charges) there is a disposition fee of $As you elected not to purchase the vehicle at the end of your lease term and you did not lease or purchase a new General Motors vehicle, you are responsible for the disposition fee upon the return of the vehicle
Please be informed, a final bill will be mailed to you containing any remaining early termination liability chargesShould you have any further questions or require additional assistance, please feel free to contact us at ###-###-####
Sincerely,
GM Financial

My reason for rejecting the business response, is because to this point there frankly hasn't been one yet to my complaintWhile GM Financial has reiterated my lease terms and sent me a history of that, at no point was I complaining about themMy complaint was that the GM Financial payment system reflected no payment was due until it showed payments due in April which I immediately paidI went to the Revdex.com with this in the first place out of curiosity to see if other consumers were having the same issueDidn't need to look far as on 6/there was the same complaint of not knowing payment was due until after the fact based on confusion with the websiteMy experience was the same, seeing $due until after days lateI've called customer service, been told it was known it could be confusing, and that you'll see a balance due when it's time to pay - along with the fact that there is a buffer period built in for you to pay beyond your due dateThis is exactly what I did, as in the complaint from the 13thIn that instance, a similar standard response was givenIn follow-up, GM Financial did decide to reverse the late reporting after, I assume, accepting that the website played a role...not solely consumer errorIn my instance, I have received essentially a "go away" message from the company rather than a responseThis seems directly at odds with what the Revdex.com stands for.? The resolution I initially asked for was some understanding from the company that there is enough evidence of error/poor customer service/etc on the companies part for the way their bill pay system works to reverse the reporting of my account being days late to credit bureausAs the complaint from 6/wrote -? GM Financials failure to acknowledge fault or take any steps to correct the error are incredibly poor customer service and are in violation of the Fair Credit Act and I will act outside of the Revdex.com if required.? Regards,*** ***

February 13,
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
Based on a review of the payment history included in the initial response, your account reflects that a payment in the amount of $posted to your account effective November 20, As of today’s date, your account is days past due in the amount of $for your February installment balance and $in late fees, totaling $
Please be aware, your account is billed days prior to your due dateThe current billed amount will also include your March 1, installment and reflect a total due of $
If you have any further questions or are in need of additional assistance regarding this matter, please contact GM Financial at ***
Sincerely,
GM Financial

Thank you for the correspondence sent to the Revdex.comI 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 bureau reporting agenciesOur research concludes that the
account status and account 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 credit bureau reporting of your accountOur records reflect that the account was reported more than days past due in October and more than days past due in November for the September installment due date
Between August 28, and November 11, 2015, our records reflect that GM Financial only had contact with you once on September 14, 2015, and during this conversation our records do not reflect that a deferment was discussed or requestedOn October 22, 2015, an email was sent to the email address registered with MyAccount in an effort to contact you and offer assistanceGM Financial understands that customers may face financial hardships throughout the life of their loanPlease understand that deferments are not a contractual obligation and are not always availableIf in the future, the deferment option is available and if your account is eligible for this type of payment assistance, please be aware that all deferment requests are subject to management approval
Copies of your Contract and Account Payment History have been included for your reviewShould you have any further questions or require additional assistance with regard to this matter, please contact GM Financial directly at ###-###-####
Sincerely,
GM Financial

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, I do? not just accept the response from GM Financial as satisfactoryI will not be satisfied until GM Finance has corrected this matter completelyIf the tables were turned GM Financial would be calling me times a dayThis response will NOT let me change the subject line to I DO NOT ACCEPT THE BUSINESS'S RESPONSE
Regards,
*** ***

July 23,
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
On April 6, 2018, you
entered into a Closed End Motor Vehicle Lease Agreement for a GMC TerrainThe contract terms you agreed upon, state the lease would be repaid in monthly installments in the amount of $400.33, beginning April 6,
Our records reflect that GM Financial received a payment on May 15, in the amount of $that was set up online via My Account using Western Union SpeedPay, this payment is customer authorized and initiatedOn May 18, 2018, the payment was returned due to No Account/ Unable to Locate Account
Please note, your GM Financial Leasing Account Statement for the month of June was generated on May17, and did not reflect the returned itemYou may also view your transaction history for this payment through your My Account profileOur records indicate, your July statement was mailed to the address of record on June 16, 2018, with a total amount due of $822.30, also stating the account was past duePlease be advised, numerous attempts were made to contact you in regards to the account status
Please be aware, the MyAccount dashboard will reflect the scheduled payment amount and also advises you to refer to your monthly statement for the total amout duePayments submitted online are processed through Western Union Speedpay and will reflect a zero amount due, however, you are still able to make your payment online by selecting “pay other amount” on the payment screen
Upon review of the account, our records indicate you spoke to a representative on July 9, in regards to your accountAt this time, it was explained to you that the payment made on May 15, was returned due to No Account/ Unable to Locate AccountYou stated you must have switched banks during that time and would go online and make a payment
GM Financial is both by law and by contract required to report truthful and accurate information to the credit reporting agenciesWe have reviewed the data sent to the credit reporting agencies regarding your account and have determined that the information is accurately reportedAs a result, we are unable to make any changes or deletions to the credit bureau reporting of your account which is done in accordance with the industry standard of the Metro II format in compliance with the Fair Credit Reporting Act (“FCRA”)
A copy of your lease agreement and account payment history have been mailed to the address of recordPlease allow 7-days to be receivedShould you have any further questions or require additional assistance please contact GM Financial at ###-###-####
Sincerely,
GM Financial

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
Please be advised that the system will prevent you from making a payment online if you have had or more Non-Sufficient Funds returns within the
last monthsYou may utilize other payment options such as payment by phone, and IVR with debit cardSome of these payment options are provided by Western Union and are subject to a convenience feePayment options available at no cost include the GM Financial Automatic Payment Plan and mail
Should you have any further questions or require additional assistance, please feel free to contact Customer Service 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,
***? ***

April 23,
Re: Complaint ID: *** ? ? ? ? ? ? *** ***
Dear MsRoberts,
Thank you for the correspondence sent to the Revdex.com I have reviewed your concerns and would like to offer the following information
Our records indicate that on February 12, 2018, a release of lien and motor vehicle title were mailed to your address on file Please be advised, an additional notarized release of lien was sent to your address on file via FedEx tracking number ***? and was delivered on April 11, at 9:a.m., left at front door
As previously advised, GM Financial is unable to provide an additional title as the original title was mailed to you on February 12, Please contact the New Jersey Department of Motor vehicles and provide the required documentation in order to request a duplicate title
If you have any additional questions regarding this matter, please feel free to contact GM Financial at ###-###-####
Sincerely,
GM Financial

July 12,
Re: *** ***
Complaint ID: ***
Dear Ms***,
Thank you for the correspondence sent to the Revdex.com with regards to the missing paymentI have reviewed your concerns and would like to offer the following information
Please be advised, the
payment in question was located on July 9, The payment allocation is being corrected and will be backdated to reflect the date of receiptPlease note all resulting late fees have been reversed
Please be assured that GM Financial gives customer service a high priority and is totally committed to achieving excellenceWe would like to apologize for any inconvenience you may have experienced as a result of this situation
Should you have any further questions or require additional assistance with regard to this matter, please contact GM Financial directly at ###-###-####
Sincerely,
GM Financial

? I understand this and thanks for your helpIn the past no less than updates have been sent from GM but to no availSo if this time it does not work I will deal with the bureaus myself for this , but will need a letter specially stating that ' all late payments are to be removed off the credit report The last letter I got from gm simply claimes an update was being made but did not specify what exactly was being updated.?