GM Financial

Complaint: ***
I am rejecting this response because I refuse to forward our social security number to an unknown personGM Financial has demonstrated by unethical actions of falsifying records and forging documents you can not be trustedFurthermore according to Social Security administration A company cannot refuse service if I do not give my social security number? I demand you validate the debt, remove all negative remarks, and dismiss& discharge allege loan immediately
Regards,
*** *** *** ***

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

I reject! ? The contract clearly has my correct address and GM Financial stated McMinnville OR was the only address they had? I do not nor have I ever lived there or listed it as my address? The contract clearly states McMinnville,TN? I do not know if any letters were returned but I DO know they were not received by me? I also did not call and get a payoff amount of over seven hundred dollars and then only send a little over one hundred to pay off the debt? I also dispute the automated calls which have just been introduced? I did not receive any calls regarding a balance due after my last payment was made? I have paid the disputed amount because I had to get the title released but as of this date I have not received the title was it sent to McMinnville OR also or will I call six years from now and be told I must pay something else before it can be released?? The contract you keep sending me clearly has my correct address, I paid my account online, and I NEVER received notification of any type there was any balance due until I made the second telephone call trying to get my title on a account I was told each time I check with you was Paid In Full?

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11135610, and find that this resolution is satisfactory to me.? BUT I NEED TO KNOW WHAT DO I NEED TO FAX IN AND O WHOM DO I FAX IT TO

April 25,
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 social security number and or account numberUpon receipt of this information I will research this matter
Sincerely,
GM Financial

October 18,
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
Our records reflect that we have not received the payoff on the accountIn order for GM Financial to research and locate a missing payment, proof of cleared funds are requiredIf the payoff check has been cashed by GM Financial, please have him fax in a front and back copy of the cashed item to (*** ***, so that we may begin the research processA copy of the returned item will be sent to you for your records
Should you have any further questions or require additional assistance with regard to this matter, please contact Customer Service 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 an indirect lenderAll contract negotiations will need to be handled? through your dealership.Sincerely,GM Financial

Thank you for forwarding the additional correspondence sent to the Revdex.comPlease be advised that we have not changed our position regarding your account status
Please note due date change request would not be reflected on your account payment history
Should you have any further questions or require additional assistance with regard to this matter, please contact GM Financial at ###-###-####
Sincerely,
GM Financial

Hello,My account number for the Chevrolet Cruze is *** The Name on the account is *** ***.Thank you

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information.On December 22, 2014, you signed a Retail Installment Sale Contract (“Contract”) for a Ford Explorer in the amount of $26,at an interest
rate of 15.99%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning on February 5, The contract is a simple interest contract which means interest accrues daily on the unpaid principal balance.Please note that GM Financial places a high priority on adhering to all state and federal lawsThe state of Washington does not require a cure period or notice of repossession be mailed prior to repossessionOn November 2, 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 August 5, installment due dateThe account history was reviewed thoroughly and it has been determined that the handling of the account, including repossession, was in compliance with your contract as well as all state and federal laws.Our records reflect that the last payment received was on July 20, in the amount of $2,for the reinstatement of the vehicle due to the repossession that occurred on July 13, This payment paid the monthly installment due dates of April 5, 2015, May 5, 2015, June 5, 2015, and July 5, This payment also paid the late fee balance owed at that time in the amount of $and the repossession fee in the amount of $Effective January 1, 2015, a change in the Department of Defense’s Financial Management Regulation prohibits service members from allotting pay to buy, lease or rent personal property including vehicles, such as automobiles, motorcycles, and boatsTherefore, you will need to contact DFAS regarding the allotted funds you state were intended for the monthly installments as GM Financial has not received any disbursementsOur records further reflect that you are set up to receive the monthly billing statement via e-billing and by mailDue to the status of the account, you may have been blocked via MyAccount and would have been unable to access the billing statement e-mailed as an attachmentOur records also reflect that these billing statements were also mailed to your address of record and accurately reflected the status of your GM Financial accountPlease be advised that the repossession company is an independent contractor and is licensed as suchAny claims against their company, like those regarding damages that may have occurred during towing, will need to be addressed directly with their company and/or licensing authority.? ? ? ? ? ? ? ? ? ? ? ? The current amount required to reinstate the vehicle is $3,and is good through November 23, On November 4, you were advised of the reinstatement instructionsShould you have any further questions or require additional assistance, please contact GM Financial at ###-###-####.Included for your records are copies of your contract, account payment history,? and all billing statements mailed to your address of record since the reinstatement of the vehicle in July of 2015.Sincerely,GM Financial

April 24,
Re: *** *** ? ? ? ? ? Complaint ID: *** ? ? ? ? ? GM Financial Account No.: ***?
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 indicate that the payment in question posted to your account today, with an effective date of February 23, 2018, in the amount of $We apologize for any inconvenience you have experienced as a result of this situation
If you have any further questions or concerns regarding this matter, please feel free to contact GM Financial at ###-###-####
Sincerely,
GM Financial

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

Complaint: ***
I am rejecting this response because: This is exactly why I have reached out to the Revdex.com for helpAs always when dealing with GM Financial, this company retaliates by changing dates again when questionedI have credit reports reflecofitst day of late payments in Now they are changing dates again to keep this on my credit reportI want this 1/year old account removed from my credit reportThis has been an ongoing battle and I am afraid, if this isn’t removed, it will be time to contact an attorney?
Regards,
*** ***

February 16,
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
Enclosed is a copy of the
Retail Installment Contract (“Contract”) and a copy of the credit applicationThese documents are sufficient to validate your obligation for this account and all the information that has been sent to any credit agencyWe have also included a copy of the payment history for your review
GM Financial is required to report truthful and accurate information to the credit bureau reporting agenciesOur research concludes that the account status and 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 account and credit agencies
Please be advised GM Financial is required to send a 1099-C to the Internal Revenue Service when an identifiable event occurs, pursuant to the Internal Revenue Code and the attendant Treasury RegulationGM Financial determined an identifiable event pursuant to the Internal Revenue Service regulation occurred for calendar year and sent a 1099-C to you as required by the Code and RegulationsPlease understand that the debt was not canceled or forgiven rather it was discharged and deemed as a loss to the companyThe 1099-C was sent as required by federal law
Please note the Gap Company advised us on March 20, that there was no Gap payout
Should you have any further questions or concerns with regard to 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

January 3,
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
In regards to the two payments
in question, both were set up via your online MyAccount profile using Western Union SpeedPayOn December 15, you set up a one-time payment in the amount of $374.32, the confirmation number provided to you for this online transaction was ***On December 16, 2016, a recurring payment in the amount of $was set up, the confirmation number provided to you for this online transaction was ***As these types of transactions are initiated and authorized by the customer only, any changes to the payment would need to be made by the customer prior to processing
GM Financial is unable to honor your request to reimburse the $overdraft fee charged by your bank, as the issue was not caused by GM FinancialShould you have any further questions or require additional assistance in regards to this matter, please contact Customer Service Lease Department at ***
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because:
Regards,
*** ***Buick Verano***

Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
GM 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 availableAt this time, your account is not currently eligible for this type of payment assistanceIf in the future, the deferment option is available and your account is eligible for this type of payment assistance, please be aware that all deferment requests are subject to management approval
Should you have any further questions or require additional assistance, please feel free to contact GM Financial at *** ***
Sincerely,
GM Financial

June 11,
Re: Complaint ID: ***
? ? ? ? ? *** ***
Dear *** ***,
Thank you for the additional correspondence sent to the Revdex.com We have reviewed your concerns and would like to provide the following information
GM Financial suppressed credit bureau reporting during a recent system enhancement We have 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 accept and process the updateWe apologize for any inconvenience this has caused and appreciate your patience
We have mailed a copy of the paid in full letter, a credit rating letter and account payment history for your review Should you have any additional questions regarding this matter, please feel free to contact GM Financial at ###-###-####
Sincerely,
GM Financial

April 3,
Re: Complaint ID: *** ? ? ? ? ? *** * ***
Dear Mr***,
Thank you for the correspondence sent to the Revdex.com I would like an opportunity to address your concerns; however, additional information is required At your
earliest convenience, please forward me your social security number and/or account numberUpon receipt of this information I will research this matter
Sincerely,
GM Financial