GM Financial

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] 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 [redacted] The GM Financial account number is [redacted]

April 25, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] Dear Ms [redacted] , 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 social security number and or account numberUpon receipt of this information I will research this matter Sincerely, GM Financial

Complaint: [redacted] I am rejecting this response because: the business requested additional information only and I am providing my GM Financial Account # as requested [redacted] This issue has been going for months now and if not resolved, I would like to escalate this matterRegards, [redacted]

February 26, Re: Complaint ID: [redacted] [redacted] Dear Ms [redacted] , 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 social security number and or account numberUpon receipt of this information I will research this matter Sincerely, GM Financial

July 3, Re: [redacted] ? ? ? ? ? Complaint ID: [redacted] Dear Ms [redacted] , Thank you for the additional correspondence sent to the Revdex.comWe have reviewed your concerns and would like to offer the following information As previously advised, the Contract reflects that the first payment was due days after the date of the Contract The additional fifteen days are reflected in the monthly installment amount and APR Therefore, the Contract term is months and days, not simply months On December 20, 2017, a deferment was processed for the months of November and December 2017, extending the original terms to months and days Please note, these extra days will reflect as another month your account is scheduled to be openedA review of your account indicates it was reported as a charge off on June 29, 2018, due to the account being over days past dueThe original charge-off amount reporting is $23,Please contact us at ###-###-#### for further assistance with your account Please be aware, as 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 owed under this contract in any order we chooseOnce the account is current, payments can then be applied as requested If you are represented by an attorney with respect to your GM Financial account, please have your attorney fax or mail a letter of representation that includes his or her contact information to: GM Financial Attn: Legal Department [redacted] Fax: ###-###-#### Please remember to include your account number on all correspondence sent to GM Financial Sincerely, GM Financial

Complaint: [redacted] I am rejecting this response because:Could you please reopen complaint # [redacted] ? It was closed automatically without any resolution.? Thank you, Regards, [redacted] ***

March 23, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] Dear Ms [redacted] , Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information On April 3, you entered into a Retail Installment Sale Contract (“Contract”) with Gerry Lane Chevrolet for the Chevrolet MalibuGM Financial employees were not present at Gerry Lane 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 The “Notice of Right to Redeem or Reinstate” and the “Notice of Our Plan to Sell Property” were mailed to your address of record on September 8, These notices explained that you would be required to pay the difference between the amount you owed to GM Financial and the amount the vehicle sold for, plus expenses if you opted not to redeem/reinstate the vehicleAfter the sale of the vehicle at auction, a “Deficiency Calculation” letter was mailed to your address of record on February 11, to inform you of the remaining balance owed 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, Gerry Lane Chevrolet, and/or the manufacturer of the vehicle, if necessary If you have any further questions or are in need of additional assistance regarding this matter, please contact GM Financial at [redacted] 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 Our records reflect that both you and William Tankersley filed a Chapter bankruptcy on November 3, that included your GM Financial account The payoff for the GM Financial account was received on January 12, 2012, while the bankruptcy was still activeThe Reaffirmation Agreement for this account was not filed until January 13, 2012, after the account had closed GM Financial has submitted an update today to the credit bureau reporting agencies to reflect the reaffirmation of the account and to update the account status as closed and paid in fullPlease allow 30-days for the credit bureau reporting agencies to reflect these changes Should you have any further questions or require additional assistance, please feel free to contact Customer Service at ###-###-#### Sincerely, GM Financial

Thank you for the additional correspondence sent to the Revdex.comPlease be advised your account is currently being reviewed by upper managementA response will be issued once the review has been completed Sincerely, GM Financial

Complaint: [redacted] I am rejecting this response because: We are not comfortable with disclosing personal information to GM Financial In the past GM Financial has sent us falsified records, forged documents, and harassed us for an alleged debt owed without evidence of its existenceWe do not feel safe giving that information to GM Financial Regards, [redacted] ***

April 13, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] Dear Ms***, Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information Please be advised that your concerns have been escalated to GM Financial’s Canadian operations for review and response Our A.V.Pof Collections has communicated with you directly to acknowledge your concerns and has worked directly with you to resolve these concerns It is our understanding there are no outstanding concerns at this time however, if any additional assistance is required, we remain willing to work with you in this regard Sincerely,

Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following informationPlease also understand how much you pay over the life of this loan is entirely dependent on how you’ve paid the monthly installmentsThe Total Sale Price shown in the Truth-In-Lending Disclosures assumes that all payments will be made on the date they are dueA review of your account payment history indicates that quite a few payments were paid significantly lateOf the payments made on the account payments were made between and days past the due dateOver the life of the loan, at your request, due date changes were applied to the account and the October 9, and December 9, installment due dates were deferred to the end of the loan, moving your maturity date from June 20, to September 15, Although you paid the payments prior to a late fee assessing or negative reporting to the credit bureau reporting agencies occurring, interest still continues to accrue daily on the unpaid portion of the amount financed (“principal”)As per your contract, GM Financial applies your installment payments in the following manner, first to the earned and unpaid finance charge (“interest”) and second to anything else you owe under the agreementWhen you pay the installment payments late, defer payments, or change the due date of your account, less of the monthly payment received is applied towards your principal balance because of the additional earned and unpaid interest amount owed A copy of the payment history of your account reflecting the breakdown of each payment was mailed to your address of record on June 17, Please allow 7-business days to receive this information via regular mailGM Financial’s position regarding the remaining balance of your account has not changedYour payments have been applied accurately and in accordance with your contractPlease understand that GM Financial does not negotiate the payoff amount of an accountShould you have any further questions or require additional assistance, please contact GM Financial’s Customer Service department at ###-###-####Sincerely,GM Financial

Complaint: [redacted] I am rejecting this response because: When I decided to do a deferment I was NOT informed that the amount due at that time will accrued interest daily? I do not feel I owe GM Financial the US$I do believe I ONLY owe US$2,? I have reviewed the account history of my payments made to GM Financial and I have paid over an approxUS$41,and an exception can’t be made? I was never informed from any associate that my loan will accrued interest daily, when I decided to do a defermentI never received any writing explanation on the processes worksIf I would have been educated by the associate at the time of agreeing to the deferment, I might have reconsider the option at that moment Regards, [redacted]

Complaint: [redacted] I am rejecting this response because: It has not resolved the problemMy SSN is [redacted] as requested.? Regards, [redacted]

March 24, Re: Complaint ID: [redacted] ? ? ? ? ? Ronald [redacted] Dear Mr [redacted] , Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information On January, 17, 2015, you entered into a Motor Vehicle Lease Agreement for a Cadillac ATS with Silver Star Motor CompanyWithin the agreement, you agreed to a month lease term with a payment of $per monthGM Financial was not present at Silver Star Motor Company during the signing of the contract and was not privileged to any agreements between the two partiesThe contract was subsequently assigned to GM Financial I have included a copy of your contract for your reviewShould you have any further questions or require additional assistance, please feel free to contact GM Financial at [redacted] Sincerely, GM Financial

November 9, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] Dear Ms [redacted] , Thank you for the additional correspondence sent to the Revdex.comI have reviewed the additional information and would like to offer the following information Our records reflect the information was reported as stated in our original responseHowever, in order to ensure that the account history is reflected accurately, GM Financial has submitted a manual update and forwarded the proper documentation to all three major credit bureausThe bureaus generally reflect the updated information within 30-days, if an update was requiredPlease understand that any additional disputes submitted through the credit bureaus may void the update submitted by GM Financial If you have any additional questions regarding this matter please feel free to contact the GM Financial at [redacted] Sincerely, GM Financial

Thank you for forwarding the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information.On June 10, 2009, you entered into a Simple Interest Pennsylvania Motor Vehicle Installment Sale Contract (“Contract”) for the purchase of a Chevrolet Impala in the amount of $25,at an interest rate of 15.95%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning on July 25, 2009.We empathize with the problems you experienced; however, the responsibility for this contractual obligation remainsAll mechanical issues would have needed to be resolved between yourself, [redacted] , and/or the manufacturer of the vehicle, if necessaryThe vehicle was voluntarily repossessed from [redacted] ’s lot on July 6, Our records reflect that you opted not to redeem the vehicle, and that the vehicle was sold at a private sale on July 28, Per your Contract, if the money from the sale is not enough to pay the amount you owe, you must pay the remaining amount to GM FinancialAs of March 15, 2016, a deficiency balance still remains.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.Included for your review is a copy of your Contract and Account Payment History.Should you have any further questions or require additional assistance, please contact GM Financial at ###-###-####.Sincerely,GM Financial

? Thank you for the correspondence sent via the Revdex.comI have reviewed your concerns and would like to provide the following information? GM Financial check number [redacted] in the amount of $has been cut this morning and a request has been submitted to have this refund sent to you by overnight deliveryIf the overnight delivery request is not approved, the check will be mailed by regular mail via the USPSPlease allow up to 7-business days to receive ? Should you have any further questions, such as how the amount was arrived at, please contact the Lease Recovery Department at ###-###-####? Sincerely, GM Financial

January 25, Re: Complaint ID: [redacted] [redacted] Dear Ms [redacted] , 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: [redacted] I am rejecting this response because: The situation at hand is not resolved, but here is my account number requested in the meantime:? [redacted] Regards, [redacted] ***