GM Financial

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information.On September 10, 2015, both you and *** *** signed a Motor Vehicle Retail Installment Sales Contract (“Contract”) for the Nissan Maxima in
the amount of $21,at an interest rate of 17.95%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning on October 25, 2015.Although you’ve stated that you do not have possession of the vehicle, all parties to the contract are still responsible for maintaining the monthly installment payments as per the ContractAs of today’s date, the December 25, installment due date is days past dueAt this time, the vehicle has not yet been assigned for repossessionAs per state law, prior to repossession, a cure notice will be issued by First Class Mail to all liable parties to the Contract.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.Should you have any further questions or require additional assistance, please contact GM Financial at 1(800)944-5047.Sincerely,GM Financial

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***2, and have determined that this does not resolve my dispute
To whom it may concern, ? My complaint number is ***I am responding to the information you have received from GM FinancialLet me ? start off by saying that I have spoken to a couple of different supervisorsOne of the supervisor informed me that my payment was received in the payment ? department and cashed and they could not read the back of it and transfer it ? to another department? I feel that as a paying customer who has not been late with any of my payment , should not be penalized for something it the company’s faultThis is not fair to ? paying customer who do right by the systemIt’s not fair to me that the company wants me to pay for there mistakeI do not have extra money for there mistakeThey are charging me late fees for something I had paid on timeThis is unacceptableI have all my receipts from the time I received the carAll payment made on time For me to be told by the Revdex.com I need to get a copy of the front and back of the money order is unacceptableI would like for the Revdex.com to ask the GM Financial leasing company where does the payment goes when it the payment are mailed it in to there companyThe money order was mailed in with the statement that is received and mailed back in with the paymentThe account number is on the statementThe account number was on the money orderExplained to me, what is so hardI am not trying to be difficult, ? but it’s the principalI feel that GM Financial leasing is not cooperating in this matter? They had no problem cashing my July payment along with all the other payment they receivedThey stated that they will investigate, but I feel that they did not dig deeper to resolve the problemWhoever you get on the phone, is only reading what notes someone enteredThis is not helping the customerThey should start from the beginning when ? the payment was first ? received from there ADP departmentThey have my payment and the statementThere was a male supervisor that hung up this eveningIt does not matter if the customer is irate or notYou do not hang up on a customerThis is not how you do businessWhat if the shoe was on the other footNow, I want to know how and what is the Revdex.com is going to do and handle this problem? Please get back 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
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,
*** ***I would also like to add that as of yesterday I was able to get a hold of their customer service lineAfter waiting over an hour they finally figured out my problemA payment was made from another financial company that was not myself and they had to fix the corrected amount that I own on the vehicle because the money was taken back out because it was paid by mistake to the wrong accountThey saw the payment was made on June 20th, They did not notice it until November 17, They did not contact me nor notify me of this and lead me to believe I owed more than I was suppose toAfter trying to get a correct answer after months I finally was told of this paymentThere was a lack of communication as well as doing their job to track these payments on their partI have yet to talk to a supervisor and have spent the last weeks trying to get a hold of someone on the customer service lineI would still like to file a complaint and add this bit of information on to the original complaintMy social is ***The GM Financial account number is ***

September 27, ? RE: Complaint ID: *** ? ? ? ? ? ? ? ? *** *** ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? Dear Mr***, Thank you for forwarding the additional correspondenceWe have reviewed your concerns and would like to offer you the following information On January 31, 2011, you signed a Motor Vehicle Retail Installment Sales Contract (“Contract”) for the purchase of a Dodge Charger in the amount of $25,at an interest rate of 18.00%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning on March 17, ? Enclosed is a copy of the Retail Installment Contract (“Contract”), a copy of your state driver’s license 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 agency 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 at this time? If you are the victim of identity theft regarding a GM Financial account and wish to request an investigation, the claim must be submitted in writing and mailed or faxed to GM FinancialYou may find these forms at *** under ‘security.’ Please remit the completed forms and required documents as per the instructions and an investigation will be conducted? If you have any further questions or require additional assistance, please feel free to contact GM Financial at ***? Sincerely, GM Financial

July 9,
Re: *** ***
? ? ? ? ? Complaint ID: ***
Dear Ms***,
Thank you for the correspondence sent to the Revdex.com.? We have reviewed your concerns and would like to offer the following information
GM Financial has
mailed a Fraud Investigation packet to your address of recordPlease allow 7-business days for deliveryOnce received, please remit the completed forms and required documents as per the instructions and an investigation will be conducted regarding your claim of an unauthorized account being opened in your name
Should you have any further questions or require additional assistance, please feel free to contact us at ###-###-####
Sincerely,
GM Financial

Thank you for forwarding the additional correspondence
Please be advised that GM Financial has not changed our position regarding the account
Thank you for your time and insight regarding your experience with GM Financial
Sincerely,
GM Financial

June 7,
Re: Complaint ID: ***
? ? ? ? ? ? *** O*** ***
Dear *** *** ***,
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

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,
*** ***

November 3,
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 review of your account reflects that the vehicle was involuntarily repossessed on November 8, 2011, and after the sale of the vehicle a deficiency balance remainedThis balance was reported as a charge off on December 14, The date of first delinquency for your account is August 8, Your account reflects that the last regular credit bureau update was sent on November 9, in which the account was updated from charge-off to settled in full
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
If you have any additional questions regarding this matter please feel free to contact the GM Financial at ***
Sincerely,
GM Financial

April 13,
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

September 25, ? 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 Tell us why here

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
Upon review of the account, GM Financial has submitted an update and forwarded the proper documentation to Transunion to have the day
delinquencies removed that reported in February and March Please allow 30-days for this information to update and reflect accordingly
Should you have any additional questions regarding this matter please feel free to 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 provide the following information.? On January 10, 2010, you entered into a Retail Installment Contract and Security Agreement (“Contract”) with Rapid Motor, LLC
for the purchase of the Dodge DurangoGM Financial employees were not present at Rapid Motor, LLC (“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 Financial.? You promised to pay the amount financed of $18,and a finance charge of $15,which resulted in a total of payments of $33,527.52, 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 page one of your Contract under “Promise to Pay and Payment Terms”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 22.50% in installments of $? 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, two 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 June and July of 2010, September and October of 2010, December of 2012, and January of Because of the due date changes and deferments processed at your request, the maturity date of the account moved to August 15, On page two of your Contract under “General Terms”, it is also explained that the actual amount you will pay may be more or less depending on your payment record.? The deferment agreements were e-mailed to *** on October 27, 2010, December 31, 2010, and December 3, Our records reflect that the agreements were signed electronically on the following dates with the following acknowledgement numbers:October 27, with an? acknowledgement number of 800152? January 5, with? an acknowledgement number of 518068December 4, with an acknowledgement number of 279426? 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 date.? On August 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.? GM Financial is unable to honor your request to refund an amount of $3,or release the title to the vehicleFinance Charges are being assessed as per your Contract and within the maximum amounts permitted for this sale by state or federal law.? Copies of your Contract, Account Payment History, and the Simple Interest Maturity Notice mailed to you on August 15, 2015, as well as the electronically acknowledged deferment agreements have been mailed to your address of record.? Should you have any further questions or require additional assistance, please contact Customer Service at ###-###-####.? Sincerely,GM Financial

July 3,
Re: *** ***
? ? ? ? ? Complaint ID: ***
Dear *** ***,
Thank you for the correspondence sent to the Revdex.comWe have reviewed your concerns and would like to offer the following information
A review of your account
indicates a day payoff quote was mailed to the address on file and faxed to the number requested as of today’s dateIf you would like further information regarding this matter, additional information will be requiredFor verification purposes, please reply with the full account number and the last digits of the Vehicle Identification Number “VIN” or feel free to contact us at ###-###-####
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because:
? I paid off my Dodge Charger on 04/02/I called GM Financial because there records was showing I still owed a final paymentWhen I called GM Financial I spoke to a supervisor and she stated the final payment was cashed and sitting in a fileSupervisor said to give them hours to apply the final payment to my accountI gave them over a weekI called 5/8/and the automated service said my title was released on 4/18/I called and spoke with a supervisor and she said no one put it in to have the title released to meCustomer services representative are rudeI want the title to my carI paid for the car and never received my titleThis is retaliation for filing a complaint against this finance companyI just want the title to my carThis is unacceptable

This complaint is still not resolved.? We are still getting negative hits on our credit history from GMC stating delinquent account.? The most recent dated 6/1/18.?

July 12,
Re: Complaint ID: ***
? ? ? ? ? *** S ***
Dear *** ***,
Thank you for the additional correspondence sent to the Revdex.com We have reviewed your concerns and would like to offer the following information
Upon review of your account, our records indicate the payment made on June 18, in the amount of $was applied towards your May 18, installment due date Please note, this payment was received on the 30th day
On July 2, 2018, GM Financial submitted an update to the credit bureaus to reflect the current account status and remove the derogatory mark that reported for your May installment due date The bureaus generally reflect the updated information within 30-days, if an update was required Please understand that any additional disputes submitted through the credit bureaus prior to these updates may cause the credit agencies to void the update submitted by GM Financial
We would like to apologize for the poor level of service you feel that you have received Please be assured that GM Financial gives customer service a high priority and is totally committed to achieving excellenceIf you have any additional questions regarding this matter please feel free to contact GM Financial at ###-###-####
Sincerely,
GM Financial

June 6,
Re: Complaint ID: ***
? ? ? ? ? *** G ***
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
Please be advised that GM Financial has not changed our position regarding the account and the information provided
As previously advised, a copy of your account payment history has been sent Should you have any further questions or require additional assistance with regard to this matter, please contact Customer Service directly 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 informationGM Financial has not changed its position regarding the status of your account
Payments are posted to your account the same date they are received by the payment processing center If you choose to mail in your monthly installment payment, GM Financial is not responsible for delays in delivery or the loss of the payment by the United States Postal Service (“USPS”)
If you would like to avoid additional mailing time, you may utilize other payment options such as payment by phone, IVR, or online at www.gmfinancial.comSome of these payment options are provided by Western Union and are subject to a convenience feePayment options available at no cost include the ACH payment option online or the GM Financial Automatic Payment Plan
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 bureau reporting agencies with accuracy; and as a result, we are unable to make any changes or deletions to the credit bureau reporting of your account
Should you have any further questions or require additional assistance regarding this matter, please contact GM Financial’s Lease Servicing Department at 1(800)369-
Sincerely,
GM Financial