GM Financial

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

Complaint: ***
I am rejecting this response because:
Here's my account ***I would only like you guys to remove the dispute comments from September that was done, because I had all of my creditors remove the dispute against you guys and they told me to tell GM Financial to remove
there comments from the dispute that way it will be canceledI need this be done ASAP because my mortgage loan will NOT close if you guys to remove your commentsI cannot wait days for you guys to remove a comment from a disputePlease help by removing comments today if possible.? 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,
*** ***

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’s position regarding this matter has not changedValidation of the late fee balance has been provided to youShould you have any further questions or require additional assistance, please feel free to contact Customer Service at ###-###-#### or ***.Sincerely,GM Financial

July 27,
Re: Complaint ID: ***? ? ? ? ? ? *** B ***
Dear Ms***,
Thank you for the correspondence sent to the Revdex.comWe have reviewed your concerns and would like to offer the following information
Our records indicate, on
July 24, 2018, GM Financial emailed a copy of the contract and the title to the email address on record
Should you have any further questions or concerns with regard to this matter, please contact Customer Service directly 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.? I reviewed my account online at GM Financial and my account showed a past due of $79.45, which I made a one time payment.? I should no longer have a past due amount
Regards,
*** ***

That is very good business practices that your ,so called company keepsHowever, our documentation never stated otherwise and if you had so rightfully purchased the company when you say then why, tell me, did you send us a letter telling us basically that we were late for a payment when the account has been previously paid offGM Financial or as many people put it...Government MotorsBail out kings of the USA, ? It is then quite obvious to my spouse and I but dumb founded to you all that you had no comprehension of the payoff what so ever till you then realized your ignoranceThis is over now that we have spoken to the lawyers and they will direct us where to tell you to go from hereYou will be receiving our documentation that we have that we know you do not possess and then you can barbeque it, eat it and digest the truthThat is something your company knows nothing about, even if it bit you in the backsideWe will as much as possible make sure our review of your Business Ethics , as poorly as they are, don't go unnoticed! Thank God we are done with this company and its heathens!

March 20,
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
On January 17, GM
Financial received an application for credit submitted at *** *** ***You have indicated that you are disputing the inquiries as unauthorized; and as a result, GM Financial has requested that the appropriate credit reporting agencies remove the GM Financial inquiries from your credit reportIn the event that the credit bureau reporting agencies are unable to delete the inquiries, we have asked that at a minimum 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 contact GM Financial at ###-###-####
Sincerely,
GM Financial

Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information.We apologize that you feel that you have been misled; however, how we will figure the Finance Charge (“interest”), apply payments, and how late or early payments change what you must pay is clearly reflected on page of your contract in the first section titled “Finance Charge and Payments”.? By signing the contract you agreed to the terms and confirmed that before you signed the contract that it was given to you and that you were free to take it and review itHow payments have been applied to your account balance has always been clearly conveyed on your monthly billing statements.? Each time a payment is made the next billing statement will reflect the breakdown of the payment into principal and interestCopies of your last three billing statements have been included for your reviewPlease understand that how much interest you pay over the life of this loan is completely determined by how you make your monthly payments, early, on time, or lateThe amounts reflected on the face of your contract in the “Federal TruLending Disclosures” section was calculated based on the assumption that you will make every payment on? the date it is dueShould you have any further questions or require additional assistance, please feel free to contact GM Financial at ###-###-####.Sincerely,GM Financial

Complaint: ***
I am rejecting this response because: They should forgive the rest of the money they say I owe , because they got the money from the auction, and I paid most of the money and lost most of the money but who cares right I sign a contract....? I tried to refinance but I couldn't because I miss payments with GM
Regards,
*** ***

March 29,
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
Please be advised, a refund
check in the amount of $1,was mailed to your address of record on March 28, We apologize for any inconvenience and appreciate your patience
Should you have any additional questions regarding this matter, please contact GM Financial at ###-###-####
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because: I just received paperwork from your company that I forwarded to my financial institution
Regards,
*** ***

? Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information.? On June 5, 2010, you entered into a Motor Vehicle Retail Installment Sales Contract (“Contract”) with *** *** ** *** for the
purchase of the Chevrolet CorvetteAmeriCredit Financial Services, Inc(“AmeriCredit”) employees were not present at *** *** ** *** (“Dealer”) during the signing of the contract and AmeriCredit was not an original contracting party in any agreements between the two partiesThe contract was subsequently assigned to AmeriCreditOn October 1, 2010, AmeriCredit was purchased by General Motors, and the company name was changed to GM Financial? Within the contract, you promised to pay the amount financed of $24,and a finance charge of $12,which would result in a total of payments of $36,966.24, if all payments are made on the contracted date they are dueIt is important to understand that this contract is a “simple interest” contract, meaning that interest is accrued daily on the unpaid portion of the amount financed, as indicated on the face of your contractExplanation of interest accrual, application of payments, and how late or early payments change what you must pay is explained on page two of your contract under the section titled “Finance Charge and Payments”By signing the contract, you agreed to abide by these terms, including paying the principal amount plus finance charges accruing on the unpaid balance at the rate of 15.15% in installments of $513.42, and any other charges within this contract? A review of your account activity and payment history reflects that additional interest accrued over the life of the loan due to payments being made after the scheduled due date, three due date changes, and deferments that were processed at your requestThroughout the time your account has been active, deferments were processed for the months of October and November of Because of the due date changes and deferments processed at your request, the maturity date of the account moved to September 15, ? A deferment agreement was e-mailed to you at *** on October 17, 2011; and our records reflect that you acknowledged this agreement online on the same date with an Acknowledgement number of Within this agreement you were advised that interest will continue to accrue during the month(s) deferred on the unpaid balance of the contract at the rate specified in the contract and any deferment fee collected may not be sufficient to pay this accrued interest, and that this would result in a final higher payment due at the end of your contract on the new maturity dateAn additional notice regarding interest accrual was reflected on the first billing statement following the deferred installment period.? On September 15, 2015, one year prior to the maturity date of your contract, the Simple Interest Maturity Notice was mailed to all parties to the Contract at their last known addressThis notice advised you of the balance of your account as of the date of the notice and that based on your payment amount and the balance of your account, it was anticipated that your final payment due at maturity will be more than your regular monthly payment amountInterest accrual was again explained within this notice.Finance Charges have been assessed as per your contract and within the maximum amounts permitted for this sale by state or federal lawAdditional copies of your Contract, Account Payment History, the electronically acknowledged deferment agreement, the billing statement dated November 20, 2011, and the Simple Interest Maturity Notice mailed to you on September 15, 2015, have been mailed to your address of record for your reviewPlease allow 7-business days to receive.? At this time the payoff amount for your account is $2,726.53, good for ten days through June 26, This amount includes the following:PRINCIPAL AMOUNT:? ? ? ? ? ? ? ? ? ? ? ? $2,699.71INTEREST DUE:? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? $26.82INTEREST PER DAY:? ? ? ? ? ? ? ? ? ? ? ? ? ? ? $1.11? Please understand that once your maturity date expires, the remaining balance becomes due in full and the account will continue to report to the credit bureau reporting agenciesIf you are unable to pay this balance in full at one time, GM Financial provides assistance in the form of a Final Installment Payment Agreement, where the remaining balance is rescheduled for a specified timeframe at 0% interestAfter your loan matures on September 15, 2016, and if you would like to take advantage of this assistance, please contact GM Financial’s Expired Loans department at ###-###-####.? Should you have any further questions or require additional assistance, please contact GM Financial’s Customer Service department at ###-###-####.? Sincerely,GM Financial

Complaint: ***
I am rejecting this response because: your response admits violating the terms of the contractIt says you may change the scheduled payments, not you may change the scheduleSo the charge for immediate payment of the taxes was improperTherefore the repossession was unlawfulThis means GM Financial broke the terms of the contract when you repossessed the vehicleMy desired solution remainsI want this properly reported to the credit reporting agencies as all payments on time and that GM Financial unlawfully and unilaterally terminated the lease without causeAdditionally, I want reimbursement for the travel I've had to pay for without the vehicleIn exchange, I'll consider this matter resolved to our mutual satisfaction and agree to not seek further damages
Regards,
*** ***

March 1,
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
June 24, 2015, you signed a Retail Installment Sale Contract for a Chevrolet Cruze in the amount of $13,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 July 24,
On September 26, 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 fees
Our records reflect that you completed the reinstatement of this vehicle on September 29,
On October 10, 2017, GM Financial received a check in the amount of $9,The payment was not sufficient to satisfy the loan balance and was applied to the principal balanceAn additional payment was received on February 17, in the amount of $which satisfied the loanDue to the issues you have experienced, a check in the amount of $has been sent to the address on file via FedEx overnightPlease be advised your account currently reflects a zero balance
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 ***, and find that this resolution is satisfactory to me
Regards,
*** ***

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 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 FinancialPer your contract, the annual percentage rate may have been negotiable with the seller at the time of purchase
On August 30, 2010, you signed a Retail Installment Sales Contract (“Contract”) for the Kia Sportage in the amount of $20,at an interest rate of 21.95%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning October 14, The contract is a simple interest contract which means interest accrues daily on the unpaid principal balanceThe Total Sale Price shown in the Truth-In-Lending Disclosures on the face of your contract assumes that all payments will be made as scheduledThe actual amount you will pay may be more or less depending on your payment recordIn 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 datePlease note that throughout the time that the account has been active, six deferments have been processed per your request for the months of May and June of 2011, January and February of 2013, and October and November of Please understand that when a payment is deferred or delinquent, interest still continues to accrueInformation regarding interest accrual and deferments began to appear on the monthly billing statement following the deferred period between and Our records reflect that this information was provided to you on billing statements dated March 23, and December 25, After thoroughly researching your account payment record it has been determined that all payments have been applied in accordance with the terms and conditions of your contract
On July 14, 2015, one year prior to the maturity date of your contract, the Simple Interest Maturity Notice was mailed to all parties to the Contract at their last known addressThis notice advised you of the balance of your account as of the date of the notice and that based on your payment amount and the balance of your account, it was anticipated that your final payment due at maturity will be more than your regular monthly payment amountInterest accrual was also explained within this notice
Although GM Financial does not offer refinancing or provide settlement options for the payoff of an account, customers may choose to refinance their loan with another lender at any timePlease be advised that you may contact the Expired Loans Department once the loan has matured on September 14, 2016, to set up further arrangements regarding the remaining balance
For your review are copies of your account payment history, contract, billing statements dated March 25, and December 25, 2015, as well as the maturity letter dated June 14, Should you have any further questions or require additional assistance with regard to this matter, please contact GM Financial directly at ###-###-####
Sincerely,
GM Financial

October 23, ? RE:? Complaint ID:? ***? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? *** *** ? ? Dear *** ***: ? Thank you for forwarding the additional correspondence sent to the Revdex.com ? Please note that GM Financial has submitted an update and forwarded the proper documentation to all three major credit bureaus to remove the delinquency reportedPlease allow the credit bureau reporting agencies 30-days to reflect these updates ? Our records also reflect that a refund check in the amount of $was mailed out to you on October 20, We genuinely apologize for any inconvenience this has caused and appreciate your patience in resolving this matter? Sincerely, GM Financial ? Tell us why here

April 11,
Re: Complaint ID: *** ? ? ? ? ? *** ***
Dear Ms***?
Thank you for the correspondence sent to the Revdex.com At this time, GM Financial is currently reviewing your account Please allow additional time for your
request to be reviewed Once the review has been completed, a response will be communicated to you via regular mail
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because: I Have given my social and account number to multiple employees of this company.Also in the response I am supposed to respond to, they give no one except a number that leaves you on hold for an hour or two while no one answers or nothing gets done even after you have spoken to several employees including "managers"
Regards,
*** ***