GM Financial

Thank you for the correspondence sent to the Revdex.comAt thistime, GM Financial is currently reviewing your accountA response will beissued once the review has been completed.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,
*** ***

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,
***-*** ***

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

November 22,
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
in the amount of $was issued by GM Financial Check Number *** and sent by regular mail to your address of record on November 18, Please allow to business days from the time the check was issued for it to be received
GM Financial takes all complaints seriously and we appreciate you bringing this matter to our attention, and apologize for any inconvenience this may have causedShould you have any further questions or require additional assistance regarding this matter, please contact GM Financial 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.?
Regards,
*** ***

Complaint: ***
I am rejecting this response because:The business is refusing to make right the cost of acquiring lien release letters I should not have had to pay for had they done their job in the first place
Regards,
*** ***

? Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information? As of June 29, 2016, our records still do not reflect that this letter has been receivedPlease refax this document to ###-###-#### or ###-###-####You may also e-mail it as an attachment to ***.? Please understand that this letter does not guaranty the removal of the truthful and accurate derogatory information previously reported, it only allows for additional consideration of your request to be givenThe removal of the derogatory information is subject to upper management approvalIf approved, an update will be submitted to the credit bureau reporting agencies; however, any update of information on a credit report is still subject to the credit agencies processing timeframes, which is why customers are advised to allow 30-days for any changes to be reflected? Please follow up on your request with GM Financial’s Customer Service Department at ###-###-#### ? Sincerely, GM Financial

March 28,
Re: Complaint ID: ***
? ? ? ? ? *** ***
Dear Ms***,
Thank you for the correspondence sent to the Revdex.com
As of the date of this letter, all of the toll charges have been removed from the lease account number
***We do apologize for any inconvenience this may have caused you, as GM Financial strives to give customer service a high priority and is totally committed to achieving excellence
If you have any further questions or concerns regarding this matter, please contact Lease Customer Service at ***
Sincerely,
GM Financial

Thank for your responseI would like to know why I was told by *** ***, one of you customer service managers that I could only listen to the recorded phone call if I was to get a lawyerShe also stated to me that your outgoing phone calls are time stamped, but whether or not the calls actually go through to someone is not their problemI was also told I was mailed a repossession letter by your reinstatement departmentThen once again Ms*** informed me you do not send those outI have yet to receive anything on the matterThen just to be told it is my word against hers, does not seem to be how you treat a customerI was given two dates to make the interest payments to secure the defermentMy wife also had a request put in to see if that said phone call was recordedIt has now been over three weeks with no answer.Now, I did in fact make the interest payments to secure the deferment, I have receipt in handAlso, I was told I should have received an email stating the deferment went throughYou can only imagine I have been watching very closely and have not received one for the latest deferment, but I did call to make sure it went throughWould the late fees have been moved with the deferment to the end of loan as well? As you can see we are still confused, this is because we have not received the same answer or honest one from anyoneMs*** also informed me she put in the request for the repossessionI assume you use certain companies, I assure you they were repossessing the vehicle on behalf of GM financialSo, as for the marks on my driveway and wear on my tiresThat problem does not only belong to the repossession company.? Also, as we do appreciate the deferment to get our other bills caught up due to this mistake made by your companyI can only wonder why I was offered the second deferment? Is it because I am not allowed to hear the phone call of the two different dates being offered? That it was in fact voided on the first date by mistake? This matter could all be dropped if I could get honest answers from someoneI lost money because I was not able to go to work, pick my kids up from school (my children's car seats were in the vehicle), also all my payroll informationThis was needed that day and I was not allowed to get into my vehicle until the next dayI paid a lot more fees than your company knows.? I have also attached for your information the emails I received from Ms***, in which she told me directly on the phone she had sent a repossession email on August 31st, as you will see that was not the caseThe repossession email was sent the day beforeNow being a working parentsI was not able to get to that email that evening, but did call and leave her a message, that was returned to me over a week later.?

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11574104, and have determined that this does not resolve my dispute.Again, they can say many things but the truth is when I made the arrangements for retaining my truck they were aware of the amount I was pass due? What we have here is a large corporation bullying the common man? I am well aware of my contract, I am also well aware that I informed them of my situation of being on disability and at the time I made the arrangements that I was days past due hence the payment arrangements? These were not regular payments these were payments to get my account current? So, continuing to restate the obvious does not take away from two simple facts1) I made the agreed payment and 2) I was told that I had to make the next payment by the end of July? Which they did not give me until? But instead took my money and then took my car? History has shown that the powers that be, will NEVER admit on their own that they are wrong? It is only when they are forced to do so do they ever admit that their practices may not be in the best benefit of the common man? When I sent this email to you I did so knowing that there was little to no chance that your organization would be able to do anything to help me? However, I wanted it to go on record what they had done so that if in the future any other individuals ever are put in the same situation as they have put me, then there will be record to show that this is not an isolated occurrence and that their practices are misleading and point blank wrong? Just like now they are saying that I have to pay for storage fees (see above), when they specifically said that they had renegotiated the contracts with the storage companies and that we no longer have to pay for storage fees that the cost is in the amount that they give us for getting our vehicles back? In fact, when I called the storage company they said that there were no additional fees other than the amount GM Financial gave me? So, are they again changing the rules? ? Don't they record all conversations? ? Are they not aware of their own policies? ? Or is this intimidation?Just like the creditors who would call people on their jobs and call their personal friends and family at the time that they were doing these, now unlawful, practices they were within full rights of the law and their company practices? But, after one couple stood up to them and questioned their practices in the court of law, were the practices by which creditors operated put in question and since changed? I am a Christian and as God said to the children of Israel I gave you laws by which to live and you followed them and yet you are still a wicked and perverse people? So the next time I will right my covenant with you upon your heart so that when you do wrong you will not be able to say well I followed your commandments, now your "heart" will tell you you are wrong.I thank you for what assistance you tried to provide and I also thank you for your prompt response? As, you are unable to assist me further, I will simply pay the amount they deemed necessary to retain my truck? However, their practices are now on record for all to review? In addition, I cannot go on record as accepting this response as I do not agree? Again, Thank you.?
Regards,
*** ***

July 16,
Re: Complaint ID: ***
? ? ? ? ? ? *** ***
Dear Ms***,
Thank you for the correspondence sent to the Revdex.comI have reviewed your concern and would like to offer the following information
Please be aware, GM
Financial suppressed credit bureau reporting temporarily during a recent system enhancementWe have submitted an update and forwarded the proper documentation to all three major credit bureaus to report your account as closed with a zero balance as of December 26, Please allow the credit reporting agencies up to days to accept and process the updatePlease be aware that any disputes submitted through the credit bureaus prior to these changes may cause the credit agencies to void the update submitted by GM Financial
We would like to apologize for any inconvenience you have experienced as a result of this situation and appreciate you bringing this matter to our attentionIf you are in need of any additional assistance regarding this matter, please contact GM Financial at ###-###-####
Sincerely,
GM Financial

April 6,
Re: Complaint ID: *** ? ? ? ? ? *** * ***
Dear Ms***,
Thank you for the correspondence sent to the Revdex.com I have reviewed your concerns and would like to offer the following information
Please be advised that
the Automatic Payment Plan was cancelled per your requestWe apologize for the inconvenience and miscommunication, if you were charged any fees in result of this, GM Financial will refund Please provide a copy of your running bank statement that shows fees charged
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

The previous response was that I could set up autopsy and this one states that I am unable toWhich one is it? And furthermore if I can not how am able to pay it without paying an additional dollars per month?

Complaint: ***
I am rejecting this response because:? I have been in contact with GM Financial on multiple occasions and have been the sole person responsible for trying to figure out why GM Financial can't find my moneyAt no point prior to this response has anyone from GM Financial indicated to me that they couldn't provide me with information regarding this leaseWhile I appreciate your interest in protecting the information contained within my wife's lease agreement, the writer of this response is apparently the only one who feels it's necessary to do soRegardless of your take on this matter, I was able to resolve this issue, and GM Financial is sending the money to me in check form, with my name on itPerhaps if you were so concerned about the security of the information contained in this lease agreement it wouldn't have taken you over a month to refund the payment on a closed account
Regards,
*** ***

April 5,
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
Your GM Financial account
reflects that you have a simple interest loan This means that your account accrues interest dailyThe daily interest factor is calculated by taking the outstanding principal balance, multiplying it by the annual percentage rate and then dividing by The daily interest factor is then multiplied by the number of days that have elapsed between paymentsThe daily interest factor is applied to the account balance on a daily basis and added to the account balancePayments are applied first to accrued interest and then to reduce the principal balanceWe have included your payment history for your reviewIf you have any further questions or concerns regarding this matter, please feel free to contact GM Financial at ###-###-####
Sincerely,
GM Financial

June 29,
Re: Complaint ID: ***
? ? ? ? ? *** S ***
Dear *** ***,
Thank you for the correspondence sent to the Revdex.com We would like an opportunity to address your concerns; however, additional information is required For
verification purposes, please forward us your account number, social security number, mailing address, along with the year/make/model of the vehicle Upon receipt of this information we will research this matter
Sincerely,
GM Financial

April 11,
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
A review of your account
reflects we are still in need of the odometer statement in order to release your titlePlease be advised the mileage reading is required in order to transfer the titlePlease remit your odometer statement to GM Financials Remarketing department via email to [email protected] or you may fax the documents to fax number ###-###-####
Should you have any further questions or require additional assistance regarding this matter, please contact GM Financial 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
On October 29, 2014, you signed a Retail Installment Sale Contract (“Contract”) for the purchase of a Toyota Camry in the amount of $ 16,at an interest rate of 20.00%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning on November 28,
On June 1, 2016, the decision was made to place the vehicle out for repossession, as allowed by your contractAt this time the account was over days past duePlease note that GM Financial places a high priority on adhering to all state and federal lawsThe state of North Carolina does not require cure notices to be sent prior to submitting the account for repossessionThe account history was reviewed thoroughly and it has been determined that the handling of the account is in compliance with your Contract and all state and federal laws
Please be advised numerous efforts were made to contact you with regard to the status of the accountOur records reflect that we last spoke with you on May 13, 2016; at which time you declined a deferment that was offered to you, and informed GM Financial that a payment would be made at the end of the monthThe last payment received on the account was on March 22,
Please understand that 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 soAccordingly, and with mixed emotions, I must inform you that GM Financial is unable to honor your request to delete or alter your account information from your credit report
Should you have further questions or require any additional assistance, please contact GM Financials Loss Recovery department at ###-###-####
Sincerely,
GM Financial