GM Financial

The reply from GM Financial was not accurate? I will give a detailed timeline to display my correspondence with Customer Service
July 11, 2015: ? Signed lease agreement with GM Financial
August 11, 2015: ? Srecurring payment with GM Financial? Received confirmation # via email for my autopay (recurring payment)? August 13, 2015: ? Sent a message to GM Customer Service through customer support online to confirm autopay and that payments would be on time (I have email confirmation of this correspondence).August 14, 2015: ? Called GM Financial at 7:31am PST to confirm recurring payment and on-time delivery of payment? This was confirmed by a GM Financial Customer Service representative at (800)-369-5212? September 4, 2015: ? I was notified that my payment was overdue by GM Customer Service? A Customer Service Representative assured me that my recurring payment was successfully sbut it sometimes takes up to month to process? My late fee was waived and I promptly made the payment? I was never notified that my auto pay/recurring payment was cancelled? October 20, 2015: ? GM Financial called at 5:pm PST to inform me of past due amounts from September and October? I promptly made these payments? I was informed previously that recurring payments were resolved and working.October 22, 2015: ? I called GM Financial at 11:am PST to resolve the issue but our call was disconnected? I called back at 11:am PST and asked to speak with a manager? I spoke with *** *** ***? He informed me that there was an issue with recurring payments and waived my late fee? He helped me set up a new recurring payment that would take place to ensure on time future payments? October 27, 2015: ? Autopay was successfully set up and recurring payments have been successful and up to date ever since? January 20, 2016: ? Recognized a negative remark (days late) on my credit report from GM Financial? Called GM Financial Customer Service at 8:am PST and spoke with *** ** *** ***? She denied that there was ever a problem with GM Financial auto pay / recurring payment system even though I was told that several times by other representatives? I was also denied the ability to speak with a manager and said my negative remarks to the credit agencies would remain even though I was never charged a late fee? January 21, 2016: ? I called GM Financial at 8:am PST and spoke with Representative #? He informed me that there was in fact a problem with processing auto pay / recurring payments in the past and some customers payments were mistakingly cancelled? I recorded the conversation to be sure I had correct information? This timeline is truthful and accurate and can be confirmed through emails, cell records, and a recorded conversation? I should not be reported as being late to the credit agencies when there was clearly a problem with GM Financial executing autopay / recurring payments? GM Customer service representatives also gave information regarding recurring payments and waived both late fees because of the problem? I clearly made every effort to communicate clearly with GM and set up an on time recurring payment each month? If I was given the correct information I would have fixed the issue immediately but was never given correct information?

July 27,
Re: Complaint ID: ***
? ? ? ? ? *** ***
Dear Ms***,
Thank you for the additional correspondence sent to the Revdex.com We have reviewed your concerns and would like to provide the following information
On February 25, 2015, you entered into a Motor Vehicle Lease Agreement with *** *** for the Chevrolet Equinox Within the contract, you agreed to a month lease term with a $payment, due on the 27th of each month beginning on February 25, Our records reflect that the Lease matured on May 25, and the account was terminated on May 24,
As a courtesy, GM Financial has also requested an update to all three major credit bureaus to remove the derogatory mark for the May base rent due date Please allow the credit bureau reporting agencies 30-days to reflect these updates Also, please 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
We apologize for the poor level of service you feel you have received GM Financial takes all complaints seriously and we appreciate you bringing this matter to our attention Please be assured that GM Financial gives customer service a high priority and is totally committed to achieving excellence Should you have any additional questions regarding this matter, please contact Customer Service directly at ###-###-####
Sincerely,
GM Financial

May 18,
Re: *** ***
? ? ? ? ? Complaint ID: ***
Dear Ms***,
Thank you for the correspondence sent to the Revdex.comAt this time, GM Financial is currently reviewing your accountPlease allow additional time for your request to
be reviewedOnce the review has been completed, a response will be communicated to you via regular mailShould you have any questions while we review your account, please feel free to contact GM Financial at ###-###-####
Sincerely,
GM Financial

January 13,
Re: Complaint ID: ***
? ? ? ? ? *** ***
Dear Ms***,
Thank you for the correspondence sent to the Revdex.comAt this time, GM Financial is currently reviewing your accountA response will be issued once the review
has been completed
Sincerely,
GM Financial

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information
GM Financial received two applications from *** *** Chevrolet, one on September 3, and September 4, GM Financial is unable to
remove the inquiries dated September 3, and September 4, submitted on your behalf at *** *** Chevrolet as the inquiries resulted in the establishment of a vehicle lease with GM Financial
Should you have any further questions or require additional assistance, please feel free to contact GM Financial at 1(800)369-
Sincerely,
GM Financial

June 26,
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 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 provide the following information.On October 9, you entered into a Motor Vehicle Retail Installment Sales Contract for the purchase of a Chevrolet Silverado in the amount
of $34,at an annual percentage rate of 12.00% due for a month term in the amount of $773.94, beginning November 23, 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 lawsAs per Texas law a cure notice was mailed on January 5, 2016, and a notice of acceleration was mailed on January 25, to your last known address prior to repossessionOn February 24, 2016, 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 2nd installment payment due on December 23, The 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.The State of Texas is a redemption only state; therefore, the balance will need to be paid in full in in order for you to redeem the vehiclePlease understand that these funds need to be remitted to GM Financial in the form of certified funds like an official bank check or cashier’s check.Included for your review are copies of your Contract and Account Payment HistoryPlease note that returned payments will not be reflected on this payment historyFor additional copies of the statutory notices, a subpoena is required.Should you have any further questions or require additional assistance, please contact GM Financial at ###-###-####.Sincerely,GM Financial

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***; while they have not apologized or offered restitution I can verify that my credit report is currently updated.?
Regards,
*** ***

March 23,
Re: Complaint ID: *** ? ? ? ? ? *** * ***
Dear Mr***,
Thank you for the additional correspondence sent to the Revdex.comAs previously explained, please forward me your social security number and or account number to address your concernsPlease also note, there was no attachment with your complaint
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 provide the following information
Please be
advised the payment in question was located and applied to your account and reflects the account as current with the next payment due March 2,
We apologize for any inconvenience this situation may have causedShould you have any further questions or require additional assistance with regard to this matter, please contact Customer Service directly at *** ***
Sincerely,
GM Financial

February 28,
Re: Complaint ID: *** ? ? ? ? ? *** ***
Dear *** ***,
Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information
Please be aware, your
payments are due on the 22nd monthly according to your installment contractBilling statements are scheduled to be mailed fourteen days prior to your due date
We are aware of an issue regarding monthly statements arriving delayed to consumersWe apologize for any inconvenience this has caused and appreciate your patience while we resolve this matter
You can also manage your account online and access a copy of your billing statement by registering a MyAccount profile at www.gmfinancial.comYou may also call GM Financial at 1-800-284-at any time to check the status of your account
Should you have any further questions or require additional assistance please contact GM Financial at (800) 284-
Sincerely,
GM Financial

Thank you for forwarding the additional correspondence sent to the Revdex.com ? Our records indicate on February 10, 2016, you made arrangements to pay $per month, however GM Financial only received one payment with regard to this arrangementAny agreements are now null and void as the payment arrangement was not kept? Please note that your account is now with an outside agency and you will need to contact them with questions regarding any additional agreements madeThe company has recently changed from NCC to TSI and you may contact them at ***

November 29,
Re: Complaint ID: ***
? ? ? ? ? ? Denise ***-***
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
November 17, at 9:53am, you set up an ACH payment in the amount of $using the Western Union automated phone line, the confirmation number provided to you for this transaction was ***At 10:33am on the same day, you set up a debit card payment in the amount of $using the Western Union automated phone line, the confirmation number provided to you for this transaction was ***As these types of transactions are initiated and authorized by the customer only, any changes to the payments would need to be made by you prior to processingUnfortunately, GM Financial is unable to honor your request to reimburse the $in fees charged by your bank, as the issue was not caused by GM Financial
Should you have any further questions or require additional assistance in regards to this matter, please contact GM Financial at ***
Sincerely,
GM Financial

June 23,
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
As noted in the previous response, GM Financial has submitted an update and forwarded the proper documentation to all three major credit bureaus for the removal of the negative reporting
Please be advised GM Financial is unable to reimburse funds that were part of your contractual liability, or funds that you elected to spend on the vehicle
We apologize for any inconvenience this situation may have caused 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

August 22, ? RE:? Complaint ID:? *** ? ? ? ? ? ? ? *** *** ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? Dear *** ***: ? 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

Thank you for the correspondence sent to the Revdex.comI have reviewedyour concerns and would like to offer the following information.? On May 9, 2014, you signed a Retail Installment Sale Contract (“Contract”) for thepurchase of a Chevrolet Sonic.? Within the agreement,
you agreed to repay the loan in monthlyinstallments in the amount of $per month, beginning on June 23, 2014.On October 6, 2014, the vehicle was involved in an accident and declared a totalloss by Farmers Insurance (“Farmers”).? On November 26, 2014, GM Financialquoted a payoff amount of $17,good for days to FarmersAlso on thisdate a notice was sent to your address of record which explained you wereresponsible for keeping your GM Financial account current during the insuranceprocessIf your account is not current, your delinquency would be reported tothe credit bureausThis letter also notified you that you had the right tonegotiate the settlement with your insurance company, and once a settlement wasreached, you were responsible for paying any difference between your insurancesettlement and the balance on your accountGM Financial received a payment fromFarmers Insurance for the amount of $13,on January 13, 2015.? On January 15, 2015, a notice was sent to your address of record advisingyou that the insurance proceeds did not satisfy the balance on your account anda deficiency existed in the amount of $3,810.71, valid until January 25, Our records alsoindicate that on January 19, 2015, a Total Loss Representative notified youverbally of the remaining deficiency amount.On March 3, 2015, a payment was submitted in the amount of $1,via WEB/ACHwith Confirmation NoThis payment was applied to the remainingdeficiency balance of the account; however it did not satisfy the balance infull.? Letters were mailed to the address of record on July 4, and July 6, regarding theremaining balance of $2,These letters provided information regarding theremaining deficiency balance and gave notification that the account wasreported to the credit reporting agencies as a charge-offOur records alsoreflect that several attempts were made in effort to contact you due to thestatus of the account prior to the charge off of the deficiency balance.In an additional effort to assist you with resolving deficiency the balance, on August 4, 2015, GM Financial mailed a settlementoffer to your address of record in the amount of $1,This offer was valid until August 24, 2015.GM Financial is required to report truthful and accurate information to the creditbureau reporting agenciesOur research concludes that the account status and paymenthistory of your account have been reported to the credit bureau reportingagencies with accuracy; and as a result, we are unable to make any changes ordeletions to the credit bureau reporting.? At this time we are unable to reflect a zero balance on your account as a deficiencybalance still remainsWe apologize for the poor level of service you feel you have received.? Please beassured that GM Financial gives customer service a high priority and iscompletely committed to achieving excellence.? Included for your review are copies of your Contract, Account Payment History, thenotices dated November 26, 2014, January 15, 2015, July 4, 2015, and July 6,2015; and the Settlement Offer letter dated August 4, 2015.? Should you have any further questions or require additional assistance with regard tothis matter, please contact GM Financials Loss Recovery department at ###-###-####.? Sincerely,GM FinancialTell us why here

October 17,
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

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
? To whom this message may concern,Thank you for your response although it in NO WAY answered my inquiry as to how and why you treat your customers who have filed with Bankruptcy with no respectYou only confirmed information that you see in the notesBecause your calls are not recorded (I'm in California), your reps have provided me inaccurate informationI will thank you for the statementNot sure if it helps
Regards,
*** ***

November 30,
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 you have been advised, 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 understand you are not disputing the accuracy of the credit information we have reported, and as you were previously notified, GM Financial had previously, reviewed the data that was sent to the credit reporting agencies regarding your account and has determined that the information is accurately reported
Although this is not the answer you wanted to hear, GM Financial simply cannot offer a “courtesy” waiver of accurate reporting If the rules were not strict in this area, the ability of both consumers and financial companies to rely on the credit reporting system would become a problem
Accordingly, and with mixed emotions, I must inform you that GM Financial unable to honor your request to delete or alter your account information from your credit report
If you have any questions or require additional assistance please contact GM Financial at ***
Sincerely
GM Financial

July 26,
RE: Complaint ID: ***
*** ***
Dear Ms***:
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