GM Financial

The account number requested is ***, this is not resolved until the information has been reviewed further.?

January 23,
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
A payment
research was completedA GAP check in the amount of $9,has been applied to your account, and backdated to January 1,
GM Financial has made some long-planned system enhancements that will help us provide an overall better customer experienceDuring the upgrade process, access to your account online and by phone was unavailableAdvance notifications regarding this inaccessibility were included on billing statements and emails to our customersIn addition, alert messages and FAQs were placed on our website providing additional information regarding the improvements being madePlease note that GM Financial is working diligently to ensure that there are no negative impacts to our customers’ accounts We apologize for any inconvenience you have experienced regarding this matter
Should you have any further questions or require additional assistance with regard to this matter, please 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,
***? ***

Tell us why here...July 16,
Re: Complaint ID: ***
? ? ? ? ? ** ** ***
Dear Mrs***,
Thank you for the correspondence sent to the Revdex.comI would like an opportunity to address your concerns, however additional information is
requiredFor verification purposes, please reply with the account number and/or the last four digits of your social security number, along with the year, make, and model of the vehicleUpon receipt of this information I will research this matter
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

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

October 27,
Re: Complaint ID: ***
? ? ? ? ? ? *** * ***
Dear Mr***,
Thank you for the correspondence sent to the Revdex.comFurther review of your account is required at this timeGM Financial will? issue a full response
once the review has been completed
Sincerely,
GM Financial

February 7,
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
Our records reflect that
on December 1, you called in and requested a payoffA ten day payoff was quoted to you in the amount of $12,290.77, good through December 11, We received a check in the amount of $12,from your credit union on December 22, Please be advised the payoff was short due to the daily interest accruing, and payoff being received after the ten day payoff datePlease understand the full payoff will need to be satisfied to be able to release the lien
Should you have any further questions or require additional assistance, please feel free to contact Customer Service at ***
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because: This response does not address any of my concerns in my complaint.? I am well aware of the contract I signed when we purchased our car in 2009.? My complaint was that the contract was not clear at the time of purchaseWe feel like we have been taken advantage of because of our credit history.? I appreciate the explanation regarding the simple interest loan provided eight years later.? Also, in regards to the eight deferments payments, in my complaint I explained that we had financial difficulties and that we were offered payment extensions.? My complaint against this company is that they did not explain the details of these extensions AND if this was to help us, why did they allow us to do it eight times?? This company is not helping customers? I am filing this complaint so that this Bureau investigates the actions of this company and how it does business when it comes to individuals with a low credit history?? I have my statements that show payments were made by the due date asked.? My complaint specifically states that the statements provided by this company are misleading and confusing.? I also stated that I have requested the total principal paid and the total interest plaid to this company and have not been provided this information.? The only response provided by this company is providing me with information I already know and are not providing the information I have asked for.? I have also mentioned that I had to sign an Installment Agreement with no date?? The first statements received after this had no amount or due date on them, however, I was making payments the entire time.? This company has not provided an answer to any of my questions and have only used this opportunity to publish my negative history which I am well aware of.? It has been a tough eight years, I am not denying that, but still I think we should be treated fairly and without discrimination.? Lastly, since the last correspondence, I have not received anything by mail.? I have my statements from the past year and will gladly provide them to this Bureau.? I do not wish for GM Financial to send me detail payment history.? They have already sent me what they call a detailed summary and I could not understand any of it.? I even looked into legal advice and they could not understand the paperwork provided to me.? I have contacted this Bureau to investigate this company and how it has taken advantage of us and how it does not explain loan extensions and details clearly to their customers, they do not provide information requested by the customers in regards to principal and interest payments, statements are not clear and are misleading and this company has customers sign agreements with no dates.? This is my request.? I do not need this company to give me a break down of the loan I have had with them for the past eight yearsI would like them to just explain the specific items I have asked.? ? ? ? ? ? ? ?
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?
Regards,
*** ***

Complaint: ***
I am rejecting this response because:Dear Sir/Madam:i appreciate responding and acting on my behalf , I received the response from GM though I’m not confident of their statement that I had eight different occasions where I authorized a payment to be placed at the end of this car loanI do admit to authorizing a payment at the end of my loan in the amount of three different times where my husband had surgery on his arm them three different occasions which caused him to be out of work which also resulted in our payments to get behindI do recall requesting to having additional payments added to the end of my loan during the course of my loan however I was always denied for one reason or anotheHow can I prove my three times compared to their eight (of tacking a payment towards the end of my loan) it was always din verbally over the phone with the GM RepresentativeIf they are correct I accept all accounts for all financially responsibility of this car loan, however if their response is not accurate then I would please like an adjustment of my accountThanks in advance
Regards,
*** ***

Revdex.com:
This Account is Finally fixedOnly took Month's and reporting it to the Revdex.com for them to fix it.? Also on April 5th response from GM the account wasn't fixed until today April 10th.? Now it needs to be reported to the Credit Bureaus as being current because this account hasn't been reported Since Dec
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Regards,
*** ***

December 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 note on October 30, 2015, you signed a Retail
Installment Sale Contract for a Chevrolet Cruze in the amount of $17,at an interest rate of 5.90%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning December 14,
On December 14, 2017, the decision was made to place the vehicle out for repossession, 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
A repossession fee is charged every time a vehicle is picked up, along with any other additional feesPlease be advised that to be able to reinstate the vehicle, all past due payments, late charges, impound and repossession fees must be paid in full
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

? 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.?

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.?

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

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

August 23, ? RE:? Complaint ID:? *** ? ? ? ? ? ? ? *** *** ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? Dear Mrs***: ?
Thank you for forwarding the correspondence sent to the Revdex.comI would like an opportunity to address your concerns, however more information is requiredAt your earliest convenience, please forward me your full account number or social security numberUpon receipt of this information I will research this matter ? Sincerely, GM Financial Tell us why here

January 20,
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 26, 2016, you entered into a Retail Installment Sale Contract (“Contract”) with Hall Honda for the Honda Accord in the amount of $27,at an interest rate of 16.20%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning April 25,
On September 30, 2016, the decision was made to repossess the vehicle, as allowed by the contractAt this time the account was days past due and GM Financial had not been made aware of any pending insurance claimsPlease be aware, numerous efforts were made to contact you regarding the status of this accountThe 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
Included for your review is a copy of the Contract and Account Payment HistoryIf you have any further questions or are in need of additional assistance regarding this matter, please contact the Loss Recovery Department 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,
*** ***