GM Financial

August 29, 2016? Complaint ID: *** ***? Dear Mr***,? Thank you for the additional correspondence sent to the Revdex.com (“Revdex.com”)I have reviewed your concerns and would like to provide the following information.? Our records reflect that your account was
updated to reflect that your account is in dispute on January 27, 2011, on the date we received and responded to the first credit bureau dispute you submitted through ExperianTo date the account remains in a dispute status as you have not yet indicated verbally or in writing that you are in full agreement with the way GM Financial is currently reporting the account.? ? ? ? Our records further? reflect that GM Financial received two requests for validation of debt, one received on June 17, and the second received on July 25, In an effort to protect your privacy and to comply with all guidelines for sending personal information, all personal identifying information including the address provided, must match the information we have on file for youA review of the letters received reflects an address not on file with GM Financial; and as a result, letters were mailed to you at the address provided on June 18, and July 25, asking you to contact GM Financial at ###-###-####,? as additional information was? required to be able to properly assist you.? Per the Fair Credit Reporting Act (“FCRA”), 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 honor your request to delete the previous credit bureau reporting of your account.If you would like copies of account documents sent to you to validate this debt further, please provide GM Financial by phone or via a response through the Revdex.com with your address of record in 2013.Should you have any further questions, please contact GM Financial at ###-###-####.Sincerely,GM Financial

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11022891, and find that this resolution is satisfactory to me? Thank you for the letting me be on the title.?
Regards,
*** ***

August 2,
Re: Complaint ID: ***
*** ***
Dear Ms***,
Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
Please note all previous due date changes were not processed because the account was not current at the time of the request, and required a return phone call when the account was brought current
In order for GM Financial to research and locate a missing payment, proof of the cleared funds are requiredIf the missing payment has been cashed by GM Financial, please fax in a front and back copy of the cashed check or a bank statement with a running balance, before and after both transactions, to (*** *** so that research may begin
Should you have any questions or require additional assistance regarding this matter, please feel free to contact GM Financial directly at (*** ***
Sincerely,
GM Financial

March 19,
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
On November 18, 2015,
you signed a Closed End Motor Vehicle Lease (“Contract”) for a Buick EnclaveWithin the agreement, you agreed to a month lease term with a monthly payment in the amount of $per month, due on the 18th day of each monthLate fees are assessed when a payment is not received within days of the date it is due
A review of your account indicates that you enrolled for the Automatic Payment Plan (“ACH”) on December 10, and would be effective with your lease payment due on January 18, Please note our records show numerous attempts were made in effort to contact you regarding the status of your account
Our records reflect that you have a current late fee balance of $334.39, which have been assessed throughout the life of the lease As a courtesy, GM Financial has submitted a request to waive $in late fees
Should you have any questions or require additional assistance in regards to this matter please contact GM Financial at ###-###-####
Sincerely,
GM Financial

The daily charges against me were never reveled to me until March ? ? First of all I made all my payments on or soon after the day of my paycheckYou can see this in my payment historyWhen I started getting calls because my due date was on the 9th of the month and I was making my payments on the 20th No one ever told me of these charges only that, No Mr James your not technically late and no you will not be reported as late to the credit bureaus and as long as your not late and you will be charged no late fees.? So of course I was always encouraged to pay when I could after the due date that way you make the most money and as far as I know I am doing OK because I have no marks against my credit and no late charges.? So finally someone with a concern contacted around March and said No sir you have no late pays fees and no marks against your credit but paying after the due date is building up charges that will cost you at the end.So at that time I made arrangements to pay over my amount for several payments and get ahead of my due dateYou can see my payment history after June that I was always to days early and? thats? how its been since then? There was one employment change in that was the deferment request due to changes in my payment scheduleI was never advised that these deferments were a bad thing against me just that I may pay like $extra at the end of the loan.And yes I received the notice in that my last payment would be more than normalNOT THAT IT WOULD BE $MORE!!! ? ? So as far as I knew I was doing well with the loan? throughout the whole loanWhy? Because I had no late pays on my credit and no late charges? I had no Idea you had charged me over $due at the end of the loan and within daysI? Was always told by your people as long as I payed before it was actually late everything would be ok.? ? ?

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,
*** ***

Complaint* ***
I am rejecting this response because:you have my information !! I will give it to you againMy ss# ***!!! I’ve also spoke with yet another representative from your company and I was told that I was getting a paper check on April th?!?! WTF? I owe bills of a total of plus I’m down 107.00$ in my bank account!
Regards,
*** ***

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 payments have been paid late on both of your GM Financial accountsAs 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 choosePlease understand GM Financial will apply payments first to any past due monthly installments, then to the current installment and late fee balanceAlso per your contract, if a payment is not received in full within days after it is due, you will pay a late charge of 5% of the part of the payment that is late, with a minimum charge of $Included for your review are copies of the account contracts and complete account payment history of your accountsShould you have any further questions or require additional assistance, please feel free to contact Customer Service at ###-###-####
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because:The issue is not resolved yet, so I am not accepting itBut my account number is ***?
Regards,
*** ***?

Complaint: ***
I am rejecting this response because: my complaint is due to the fact that the dealer took > days to ground the vehicle and the charges for the late return were passed on to me.?
Regards,
*** ***

January 10,
RE: Complaint ID: ***? ? ? ? ? ? *** ** ***?
Dear Mr***,
Thank you for the additional 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

March 19,
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
As previously explained, our records reflect the account was last reported in December of for the November paymentYour payment was due on November 6, GM Financial received a payment in the amount of $on November 22, An additional payment was made to complete the November payment on December 8, in the amount of $
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
Please note that if your records reflect differently, please feel free to send in proof of cleared funds for the November of paymentUpon receipt of this information I will research this matter
Should you have any further questions or require additional assistance please contact GM Financial at *** ***?
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because the point still remains that I requested arbitration and was waiting on a date$was still unethical and the repossession was still a power move on GM Financial part? Forcing me to pay without the right to arbitrationAnd for them to still be able to cause unfair credit reporting should be against the lawAt the end of the contract they received more than fair value and I received the titleI am requesting that they be removed.?
Regards,
*** ***

Complaint: ***
I am rejecting this response because:? ? I understand I am to pay my monthly payment - I have never missed a payment or had NSF fees but when I attempted to change my financial information on your website it charged my old financial institution and my current.? I want the $in fees back.? The point of autopay is to set it and forget it - so for months I have been paying and now my bill is down to and on statements there was errors on my excise tax.? I will pay the $which has been resolved.? But I want the fees I incurred rebated.? Regards,
*** ***

August 15,
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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meI do wish these procedures would be clearly stated on the website.?
Regards,
***-*** ***

January 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
Your GM Financial account
matured on July 4, 2016; at which time the balance was due in full for the amount of $2,Our records reflect that the July 4, installment payment was received on August 12, At this time the account was over days past due and was reported to the credit bureau reporting agencies for the July installment due dateA loan extension was offered to you at no interest in efforts to assist you with the remaining balance, the Rescheduling process was completed on August 19,
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
Included for your review is a copy of your Account Payment History and a copy of the Final Installment Payment AgreementIf you have any further questions or are in need of additional assistance regarding this matter, please contact GM Financial at *** ***
Sincerely,
GM Financial

August 17, 2016? Re: Complaint ID: *** * ***? Dear Mr***,? Thank you for the correspondence sent to the Revdex.com regarding your GM Financial accountI have reviewed your concerns and would like to provide the following information.? At this time, the
account is currently still under reviewPlease allow an additional 7-days to complete the research and issue a response? Sincerely, GM Financial

I have not changed my position regarding this matter GM Financial has NOT provided me with? sufficient? information or proof of how this amount was calculatedI stated previously, a blank worksheet does not provide an explanation of how the interest was figured for my loanI will now pursue legal action through the courts

Complaint: ***
I am rejecting this response because:none of my complaints have been answeredMy social security number is *** ?
Regards,
*** ***