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,
***? ***

March 15,
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
On November 14, 2016,
you entered into a Retail Lease Agreement (“Contract”) 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 14th day of each month
Please be advised that a Lease Assumption is not a part of the original contract termThe option of third party is subject to credit approval and additional requirementsYou have the option of terminating the lease at any time before the end of the lease term by returning the vehicle to the originating dealership or any other GM dealerYou will still be responsible for any remaining lease liability outlined in your contractIn addition, you will also be responsible for excess wear and use as well as excess mileage charges as described within your lease agreementPlease understand your early term liability will be calculated upon the sale of the unit
GM Financial is unable to honor your request to void your contract or waive any contractual obligationsShould you have any additional questions regarding this matter please feel free to contact the Lease Customer Service Department 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 will however be watching for a communication from GM Financial.? If one is not received, I will file a new complaint
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 correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information.? On February 12, 2015, you entered into a Motor Vehicle Retail Installment Sales Contract (“Contract”) with The *** *** ***, Inc
(“Dealer”) for the purchase of the Chevrolet MalibuEmployees of GM Financial were not present at the dealership 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 $28,and a finance charge of $11,which resulted in a total of payments of $40,698.00, 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 contract, as well as on page two under “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 11.90% in installments of $due monthly beginning on March 29, 2015.? Currently, your account is days past due for the May 29, installment due date.? A review of the most recent billing statement for your account dated June 9, 2016, reflects the past due amount in the amount of $owed for the May 29, installment due date and the current amount due in the amount of $for the June 29, installment due date; totaling $1,130.50.? GM Financial understands that customers may face financial hardships throughout the life of their loanPlease understand that deferments are not a contractual obligation and are not always availableAt this time, you have not yet established enough payment history since your last deferred payments in order to be eligible for this type of payment assistancePlease also understand that if your account becomes eligible for a deferred payment in the future, all deferments are subject to management approval.? We would like to apologize for the poor service that you feel you have receivedPlease be assured that GM Financial gives customer service a high priority and is totally committed to achieving excellenceYour concerns regarding your customer service experience have been relayed to upper management.? Should you have any further questions or require additional assistance, please contact GM Financial at ***? Sincerely, GM Financial

April 27,
Re: Complaint ID: *** ? ? ? ? ? *** ** ***
Dear Mrs***,
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, our
records indicate that GM Financial received a payoff check in the amount of $15,on April 14, and posted to the account with the original effective dateGM Financial received a returned payment from your financial institution as “uncollected funds” on April 20, Please note, GM Financial received an additional payoff check in the amount of $15,posted to the account on April 25, with an original effective date of April 16,
As of the date of this letter your GM Financial account reflects paid in full with a zero balancePlease be advised that a request has been submitted for the title to be releasedUpon completion of this process, GM Financial will contact you and provide a FedEx Tracking numberTracking numbers are available to hours after release
Unfortunately, GM Financial is unable to honor your request to provide monetary compensation for interest that accrued on your home equity line of credit or reimburse you for any overnight feesShould 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 correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
On March 28, you entered into a Retail Installment Sale Contract (“Contract”) with *** Chevrolet for the Chevrolet MalibuGM
Financial employees were not present at *** Chevrolet (“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
Please note that GM Financial places a high priority on adhering to all state and federal lawsAs required by LaRevStatAnn§ 6:966, a notice was mailed to your last known address on January 5, 2016, this notice also explained that Louisiana law permits repossession of motor vehicles upon default without further notice or judicial processOn May 3, the decision was made to place the vehicle out for repossession, as allowed by your contractAt this time the account was over 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
We empathize with the problems you may have experienced with the vehicle; however, the responsibility for this contractual obligation remainsAll mechanical issues would have needed to be resolved between yourself, *** Chevrolet, and/or the manufacturer of the vehicle, if necessary
Please understand that storage charges accrue daily and are owed separately to the repossession agentThe State of Louisiana is a redemption only state; however, in an effort to assist you GM Financial allowed reinstatement of the vehicle for the payment of the past due and late fee balances, and recovery costs Our records reflect that you completed the reinstatement of this vehicle on May 10,
If you would like to obtain an additional copy of the notice mailed to your last known address on January 5, 2016, a subpoena is required
Copies of your Contract and payment history have been included for your reviewIf you have any further questions or are in need of additional assistance regarding this matter, please contact GM Financial at ###-###-####
Sincerely,
GM Financial

? Thank you for forwarding the correspondence sent to the Revdex.comI would like an opportunity to address your concerns, however additional information is requiredAt your earliest convenience, please provide your full GM Financial account number or the last four digits of
your social security numberUpon receipt of this information I will research this matter ? Sincerely, GM Financial

Complaint: ***
I have all the paperwork regarding Go Auto and GAPI know what they paid, what I do not know is where the $payment I paid in May was applied.?
I am rejecting this response because:
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 will? be calling GM on this being I would like to talk to them when giving my information.? *** ***4-13-

Complaint: ***
I am rejecting this response because: I have provided the Revdex.com with proof of contact initiated by GM Financial as discussed in my original complaint on NOV at my work numberAnd a cease and desist was only for my work numberIt does not preclude a standard statement, either electronic or regular mailNor does it preclude the late emails that GM has sent in the past such as the one I received for August when I requested the defermentI have also provided GM with an email from *** ***? stating a deferment was placed on my accountWhile GM is required to accurately report, GM is also required to back up the representations made by its representativesI was led to believe this was a resolved deal prior to the due dateI was not informed it was late or open on the 28th when GM initiat d contact or through the standard means used any other month.?
Regards,
*** ***

January 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

March 5,
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
On October 7, 2016, you entered into
a Closed End Motor Vehicle Lease Agreement for a GMC CanyonWithin the agreement, you agreed to a month lease term with a payment of $per monthAs outlined in the lease agreement (See Page 2, Section under Early Termination Liability), You may terminate (end) the Lease early by returning the Vehicle to us and paying us your early termination liability when we ask for it
Your GM Financial account maturity date was January 7, Our records reflect that your lease was terminated on June 2, The vehicle was sold at auction on July 3, and sales proceeds were applied to the balanceAs of the date of this letter, there is a remaining lease liability balance still owed in the amount of $ 5,
To determine your Base Liability for the early termination of your lease, we perform two calculations, compare the results, and use the lesser amountA breakdown of the charges were mailed to the address on file on January 17, A copy for your records has also been included along with a copy of the Closed End Motor Vehicle Lease Agreement
Should you have any further questions or require additional assistance with regard to this matter, please contact Lease Customer Service directly at ###-###-####
Sincerely,
GM Financial

July 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 provide the following information
As previously explained, GM Financial is both by law and by contract required to report truthful and accurate information to the credit reporting agenciesWe have reviewed the data sent to the credit reporting agencies regarding your account and have determined that the information is accurately reportedGM Financial has not changed our position regarding the account
Should you have any further questions or require additional assistance please contact GM Financial at ###-###-####
Sincerely,
GM Financial

October 12,
Re: Complaint ID: ***
*** ***
Dear Mr***,
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:There was no resolutionThe account number was ***
Regards,
*** ***?

? Thank you for the additional correspondence sent to the Revdex.comI have reviewed yourconcerns and would like to offer the following informationA review of your account reflects a payment arrangement was agreed upon on August 26, to make two payments fora total of $to be paid on August 28, 2015, and a third payment in the amount of $to be paid on September 4, 2015.? Our records reflect no payment was received on August 28, 2015; however, on September 3, a payment wassubmitted in the amount of $via WEB/ACH with Confirmation NoThis payment was applied toward the June 18, and July 18, installment due dates.At this time, the account is currently past due for the August 18, installment due date in the amount of $454.45.Should you have any further questions or require additional assistance with regard to this matter, please contact GM Financial directly at (800)***? 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? Is there a time frame for the documents to be receivedIts already been a month since I paid off my car and still no titleIn hoping to avoid having to take legal action
Regards,
*** ***

Complaint: ***I have reviewed the attachment and it not correct there are no payments shown in November 2016, I paid in cash at a Western Union in the amount of $and it is still not showing and I called several times to speak with someone about my account and they did nothing and did not even take the time to see why my account was past due in September and it was not ever looked or options to see how to correct on my end as well, and the one CSR I dealt with was rude and was trying to get payments from me after she would not tell the exact amount and still in December no one could tell me where the payment in November was and they were not posting the amount on the right month and it automatically caused it to be one month behind and accrued late fees? I was at a balance in January and logged into my account and had a or more balance and I made January payment and I still have balance it is February 10, I do not feel that amount is correct and this what happened last year? Also when I called in December the CSR I spoke to told me there was a payment of made and I made a payment of so that is not correct and the December Statement is not on my account and there are amounts on my transaction history that are not correct? And when they came for the car the CSR was trying to get me to make a payment and told me then finally they located the payment of in November and that's not true and she never would try to communicate with me via email ever and that's inconvenient for me because I work and I cant call all the time during the day so they did not make several attempts at all and everytime I called it was a different story and it was that way in Janalso? I am ? rejecting this response because:
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my dispute
Please enter your reason(s) for rejecting the business response below.I now understand that GM Financial cannot stop the *** *** processHowever, I was told by your company that they could stop it with a promise to payWhen a customer is told by a representative of a company that a procedure can be done, they believe themIt became truth because your employee told me that is how your company worksShe said it as though it was a standard operating procedureI understand that I agreed to have the money taken out by *** ***, however, your employee told me that by her entering information into your system, it would stop the processYour company lied to meThis caused me unnecessary harm in the form of overdraft feesShe said that what she entered into the system would stop *** *** from running the payment againThis is about me trusting your company and your trained representativesYou are avoiding the fact that your employee flat out lied to me, putting me in a position where I couldn't protect myself due to an untruthI could have borrowed money to cover it if I was told that it would run again regardlessBut that isn't what I was toldI was told that my bank account wouldn't be touched againThis gave me a sense of security given by your company.Your company caused me unnecessary overdraft feesYour customer service representatives lie, mock, and insult your customers and instead of making it right you continue to show me that my business isn't importantYou say that you take your customer service seriously, yet you continue to inform me that what happened to me is acceptable and okayThis situation shouldn't happen to customersIf a customer is harmed by something a company does, and that company cares, the company makes it rightI trusted that your employees knew what they were talking about, I trusted that the information I was given was accurateAnd now I have been put in a situation where your company lied and you are standing by that lie.?
Regards,
*** ***