GM Financial

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,
*** ***

Complaint: ***
As I received your reply, I called GM Financial at 6:54pm (Central) yesterday 7/31/specifically to confirm what is the cut off time for submitting a payment online and counting as same day? Agent stated that the cut off time is 11:59pm? I logged in in the evening and tried to make a payment and will only allow me to select 8/1/as the payment date? I called this morning to ask why was my payment not accepted for 7/31/and agent plus a supervisor said "im sorry for the misinformation" provided to me and that there is nothing they can do to fix the payment date? They asked why was there a delay in my payment without even looking at the notes of the ongoing misinformation provided to me by previous agents? Now I have been screwed again and the customer pays the price for GM Financial's incompetency? Is there anybody there that is competent? ? Please confirm how my payment date can be resolved to reflect 7/31/? Please confirm if another Revdex.com complaint and media escalation is required? ? ? ?
Regards,
*** ***

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 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.?

October 20,
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
On September 16, 2013, you
signed a Retail Installment Sale Contract for a Ford Escape in the amount of $18,at an interest rate of 12.99%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning October 31,
On September 29, 2016, the decision was made to place the vehicle out for repossession, as allowed by the contractAt this time the account was days past dueGM Financial received a payment in the amount of $on October 11, 2016, this information was also confirmed by your bank
Our records reflect that we last spoke with you on September 28, Please be advised numerous efforts were made to contact you with regard to the statusThe last payment on record prior to the repossession was made on August 19, in the amount of $374.74; at which payment was applied towards your June installment due date and partial payment for the July installment paymentA repossession fee is charged every time a vehicle is picked up, along with any other associated feesPlease note that if the vehicle is not reinstated or redeemed, the vehicle will be sold at a private sale
Included for your review are copies of your contract, and account payment historyShould you have further questions or require any additional assistance, please contact the Reinstatement Department at ###-###-####
Sincerely,
GM Financial

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,
*** ***

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,
*** ***

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

August 14,
Re: Complaint ID: ***
? ? ? ? ? *** ** ***
Dear Ms***,
On August 21, 2015, you entered into a Closed End Motor Vehicle Lease for a GMC TerrainWithin the agreement, you agreed to a month lease term with a monthly payment in the
amount of $per month, due on the 21st day of each month beginning August 21,
Please be advised that payments received at our lease payment processing center are processed upon receipt and are subject to the United States Postal Service piand delivery time, as well as our business hours for processingOnce processed, the payment is posted to your account with an effective date mirroring the processing date
If you would like to avoid additional mailing time or any online bill pay issues, you may utilize other payment options such as payment by phone, IVR, or online at www.gmfinancial.comThese payment options are provided by Western Union and may be subject to a convenience chargePayment 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 have been reported 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 with regard to this matter, please contact Customer Service at ***
Sincerely
GM Financial

Thank you for the additional correspondence submitted to the Revdex.comI have reviewed your concerns and would like to offer you the following information.Please be advised the date of first delinquency by definition is the date the account first became delinquent and was not brought
current This date on your account was reported accurately as December 14, 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
Should you have any further questions or concerns with regard to this matter, please contact GM Financial 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

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

April 26,
Re: Complaint ID: ***
? ? ? ? ? *** ***
Dear Ms***,
Thank you for the correspondence sent to the Revdex.comWe would like an opportunity to address your concerns, however additional information is requiredAt your
earliest convenience, please forward us your full GM Financial account number or social security numberUpon receipt of this information we will research this matter
Sincerely,
GM Financial

As I have stated before, I called Bay View in September after my car was paid off because they were still on my car registration from California? I talked to a *** *** stating that I had not received my car title? She claimed they mailed it to my address? She then sent me a release of lien letter that she said would remove them from my registration? It did not? Unfortunately after being laid off from my full time job my focus was on finding work and yes it took years? I finally had to move because of the work situation? Oregon DMV needs my car title? I have been on the phone for hours with your office, CA DMV & WV DMV? I talked to a supervisor at GM Financial who told me to go to your getmycartitle website? I followed those instructions to no avail? I had to pay money that I don't have for an unnecessary release of lien letter that I already have? I sent that to WV as instructed? I lived there in where they gave me a Non-negotiable title? I am not registered in WV? But in your web site my car is listed as registered there? WV DMV tells me they do not have my title? I went back to your getmycartitle web site again last Sunday to try for the title? Their response, we cannot create a Duplicate Title for the stae is WV for a Retail account? What is that suppose to mean? ? I have taken the steps asked of me? Someone on your end dropped the ball? When I called in *** *** tried to send me to the same website? Why, couldn't you send me a duplicate title at that time? I think your web site is just a scam to get more money out of people? I think you need to send me a duplicate copy of my title? You should have done that when I called the first time instead of blowing me off like you are doing now? I will never do business wih your company on any level and will warn others? You obviously have my records and car information? Your web site isn't giving me my title for some reason that I can't explain? If it won't release my title why do you keep suggesting I go there? ? Bay View Acceptance Corporation/AmeriCredit Company now GM Financial are responsible? I think you need to do whatever it takes to make sure I get a duplicate title because you dropped the ball in the first place? You say you mailed my car title and I'm telling you again I did not receive it

September 30, 2015RE:? Complaint ID:? *** * ***? Dear Mr***? Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer you the following information.? Please be advised that the number
provided was given to GM Financial from the customer as reference contact informationOur calls to third parties are only intended to be used for obtaining updated information for our customer.? No harassment or inconvenience was intended.? GM Financial has removed the number provided and no further calls will be madeSincerely,GM Financial

June 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
Our records do not reflect
payments were received as stated in your correspondencePlease be advised that in accordance to the terms and conditions of the signed Contract entered on February 4, 2017, if defaulted, repossession was a possibilityThe 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 lawsA Notice of Default, Right to Cure, and Intent to Repossess was sent to your address of record on March 5, 2018, the Acceleration Letter followed on April 2,
The vehicle was repossessed on June 11, A Notice of Our Plan to Sell Property was mailed on June 12, 2018, informing you the vehicle will be sold at a private sale after days from the date of that letterThe money from the sale of the vehicle, less any expenses incurred by GM Financial, may reduce or increase the amount you oweYou will be required to pay GM Financial the difference if the vehicle sells, including expenses, for less than the amount you owe
If you have additional questions or need more information about the sale, or how to redeem your account prior to the vehicle being sold, please call ###-###-####
Sincerely,
GM Financial

I faxed this information to GM corporate office at ###-###-####I look forward to hearing from GM to finalize this matter.?

Complaint: ***
I am rejecting this response because: you are repeating to me what I already knowI received a letter from you on Jan saying that the problem would be fixedmonths is NOT temporary and caused me definite financial damageYou did NOT answer the questionWill you provide a good will refund of interest?
Regards,
*** ***

Complaint: ***
I am rejecting this response because:The issue was not resolvedThe complaint is due to the business never stating their name on any phone calls or voicemail messages leftYou cannot call someone and leave a voicemail with only a persons name and ask for a call back the business needs to state their name or else I just assume it is a strange random person calling whom I do not knowAlso the business stated they mailed a letter before repossession but no such letter was ever receivedI had no prior knowledge the car would be repossessedOn the day it was repossessed I thought the car to be stolen because no notification was givenAgain, a company must leave their name on a voicemail for someone to know who is callingAnd no such letter that GM states they mailed out was received to the mailing address on file or we would not have been in the situationIf I had received the letter or received a voicemail stating it was from GM financial matters would have been handled and paid and would not had led to the car being repossessed.?
Regards,
*** ***

Complaint: ***
I am rejecting this response because: Notice was never sent to me or receivedGM Financial has refused to provide proof of notice being sent on 12/18/This noitice was allegedly sent prior to any enhancements made on the GM Financial system which have absolutely nothing to do with me or negates GM Financial of their legal responsibility of providing said notice even after GM Financial called me on 12/BEFORE their subsequent system shut down and was told by me that notice had NEVER arrivedAnd that conversation was recorded and authorized for being? recorded by GM Financial rep *** ***I will be contacting the Illinois States Attorney Office as well as a private lawyer because no notice was sent in accordance to Illinois Repossession LawAnd GM Financial has refused to provide a tracking number of the notice or any other documentation to provide the whereabouts of the notice ssupposedly sent on 12/18/The system shutdown is the companies issue not mineGM Financial should have had other alternative measures put in place to handle any issues that were to arise during the shutdown which concluded on 1/8/and not 1/5/as they stated in their notices to their customers.?
Regards,
*** ***