GM Financial

October 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 provide the following information
On January 2, 2014, you entered into a Retail Installment Sale Contract (“Contract”) for the Jeep Commander in the amount of $22,at an interest rate of 10.95%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning on February 1, GM Financial employees were not present at Mancari’s Chrysler Jeep, Inc (“Dealer”) during the signing of the contract and GM Financial was not an original contracting party in any agreements between the two parties
Please be advised a copy of the Contract will be mailed to the address on fileShould you have any further questions or require additional assistance, please contact GM Financial’s Customer Service department at (***
Sincerely,
GM Financial

June 9,
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 December 16, 2015, GM
Financial received an application for credit submitted at Jake Sweeney ChevroletYou have indicated that you are disputing the inquiry as unauthorized; and as a result, GM Financial has requested that the appropriate credit reporting agencies remove the GM Financial inquiry from your credit reportIn the event that the credit bureau reporting agencies are unable to delete the inquiry, we have asked that at a minimum that they convert the hard inquiry to a soft inquiryPlease be advised that it can take the credit reporting agencies four to six weeks to update your credit report
Should you have any further questions or require additional assistance, please feel free to contact GM Financial 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,
*** ***

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

January 24,
Re: Complaint ID: ***
? ? ? ? ? *** ***
Dear Ms***,
Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would l*** to offer the following information
Please be advised as stated in the Agreement of Substitution of Collateral, signed by you on June 11, 2016, the account must remain current at all times
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
Should you have any further questions or require additional assistance regarding this matter, please contact GM Financial directly at ***
Sincerely,
GM Financial

When I contacted GMAC in regards to setting up auto pay the rep told me that I was unable to do soI asked about that option because it was financially betterIf I am able to set up this option please contact me as I was told that I could not by your representative

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 ***, and find that this resolution is satisfactory to me.The information they require.*** *** ** ***
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,
*** ***

April 4,
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
GM Financial submitted an update and forwarded the proper documentation to Equifax on April 4, 2018, to reflect the account as paid in fullPlease 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
Our records reflect a check in the amount of $was mailed to the address of record on March 12, and has been reconciledPlease be advised, a duplicate refund check in the amount of $was mailed on March 15, in errorCheck number *** has been voided
Should you have any further questions or require additional assistance with regard to this matter, please contact Customer Service 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

February 9,
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

January 29,
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 August 18, 2017,
the vehicle was involved in an accident and declared a total loss by Amica Mutual Insurance (“Amica”)Please be aware, 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 full
The insurance proceeds from Amica in the amount of $7,were applied to your account effective the date of lossAs per your contract, 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 chooseThe insurance proceeds were applied to the principal balance of your account reducing what you owePlease be aware, the insurance proceeds received from Amica were not enough to pay the amount you owe
We apologize for any inconvenience you have experienced as a result of this situationIf you have any further questions or are in need of additional assistance regarding your account, please contact GM Financial at 1-877-203-
Sincerely,
GM Financial

March 21,
Re: Complaint ID: *** ? ? ? ? ? *** ***
Dear Mr***
Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information
Our records reflect that the
title/ lien was mailed on March 21, via FedEx tracking # *** to the address of *** * *** *** *** ** ***
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

Complaint: ***
I am rejecting this response because: I have made several attempts to get this matter handled
Regards,
*** ***

April 27,
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 of today’s date, GM Financial has
submitted an update to the credit reporting agencies regarding the current status of your account, to reflect as paid in fullPlease allow the credit bureau reporting agencies 30-days to reflect these updatesYou will receive a credit rating letter in a separate mailingPlease understand that any additional 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 excellenceWe will ensure your feedback regarding your customer service experience is forwarded to the appropriate parties to be addressedWe appreciate you bringing this matter to our attention and apologize for the poor level of service you feel you have received
If 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:I do not have an account with GM Financial the account number that was sent to me is ***, this is the number that I received from another company who is claiming that I owe this debt, however GM Financial is the company that is referring this debt to the credit bureaus on my accountI ask that this information be deleted immediately.= from all credit bureaus
Regards,
*** ***?

Thank you for the correspondence sent to the Revdex.com regarding your GM Financial accountI have reviewed your concerns and would like to offer the following information On May 26, 2014, both you and Jennifer Hutchinson entered into a Retail Installment Sale Contract (“Contract”)
for a GMC Acadia in the amount of $15,at an interest rate of 14.99%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning on June 25, According to our records on July 2, 2015, you advised a GM Financial team member that you had recently traded the vehicle in to *** *** Chevrolet in MooresvilleDuring this conversation, you were advised by the team member that the payoff would need to be received prior to the account becoming days past due in order to avoid derogatory reporting of the account to the credit bureau reporting agencies Our records also reflect that an e-mail reminder was sent to you on July 21, and a phone call was made and message left for Jennifer Hutchinson on July 22, GM Financial received no response from either party to this account prior to the credit bureau reporting date of July 27, GM Financial management attempted to contact the dealership and a voice mail was left for the Finance Department on July 28, 2015.? An additional e-mail was sent to you on August 5, regarding the status of your accountOn August 5, at 10:27am (CST), you contacted GM Financial, at which time you again reiterated that you traded in the vehicle on July 1, You were advised by the GM Financial team member that no payoff had been received and that you were still responsible for the account until the loan had been paid in fullOn August 5, 2015, at 10:42am (CST), Karen with *** *** Chevrolet contacted GM Financial and received a payoff quoteAt this time, she confirmed that she had mailed a check to GM Financial in July; however, the check was mailed to an address not belonging to GM FinancialOur records do not reflect that we had received any contact from this dealership prior to August 5, The payment you reference made in June was received on June 23, and paid your May 25, installment due dateCheck number in the amount of $13,for the payoff of your account was overnighted by your dealership on August 5, and received by GM Financial on August 6, 2015; when the account was days past due.? 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 GM Financial has had no contact with any party to this contract or with your dealership since August 5, and no agreement or promise has been made by GM Financial to remove information accurately reported to the credit bureau reporting agencies or to refund any interest assessed under this contract.? Included for your records are copies of your contract and account payment history Should you have any further questions or require additional assistance, please feel free to contact Customer Service at ###-###-#### 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

July 31,
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
As you previously stated, you are aware your monthly payment is due on the 11th of each month
Please note, anytime you may be experiencing difficulties with our website you may also utilize other payment options such as payment by phone, IVR, Automatic Payment PlanThese payment options are provided by Western Union and may subject to a convenience charge and some can be postdated for future datesAn additional payment option available at no cost is the Recurring Payment Plan that can be set up online
Should you have any further questions or are in need of additional assistance regarding this matter, please contact GM Financial at ###-###-####
Sincerely,
GM Financial

? September 6, 2017? 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 informationOn October 11, 2010, you signed a retail installment sales contract for the Mercedes Ein the amount of $28,at an interest rate of 14.25%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning November 10, The contract is a simple interest contract which means interest accrues daily on the unpaid principal balanceIn review of the account activity and payment history, more of your monthly payments were applied to accrued interest due to payments being made after the scheduled due dateIf all payments are paid by the due date, the account would have been paid in full on the contract maturity datePlease note that GM Financial places a high priority on adhering to all state and federal lawsThe state of Florida does not require cure notices to be sent prior to submitting the account for repossessionOn June 1, 2017, the decision was made to place the vehicle out for repossession, as the account balance became due on May 1, 2017, was not paid in full and as allowed by your contract.? As per your contract, upon default, GM Financial may require you to immediately pay the remaining unpaid balance of the amount financed, credit service charges and all other agreed chargesThe “Notice of Our Plan to Sell Property” also explained that you would be required to pay the difference between the amount you owe and what the vehicle sold for, plus expensesThe “Deficiency Calculation” letter which outlines the calculations of the deficiency amount was mailed to your address of record on June 6, to inform you of the remaining balance owed after the sale of the vehicle at auction? Copies of your contract and account payment history where mailed for your reference to the home addressShould you have any further questions or require additional assistance regarding your GM Financial account, please feel free to contact GM Financial directly at ***? Sincerely,? GM Financial