GM Financial

Complaint: ***
I am rejecting this response because: That is not acceptableYou need to waive all fees for making any type of payment until you fix the problemIt is YOUR problem, not your customersThis problem has been going on for monthsObviously, the problem is not? a high priority for you, as you truly do not care about your customers
Regards,
*** ***

Complaint: ***
I am rejecting this response because: GM continues to refuse to address any of the actual inquires that I have asked aboutI do not doubt that the payments weren't made on my account (reviewing my bank records, I can clearly see that)Reiterating over and over again that the payments were not made is not helpful and certainly does nothing to address the specific complaint that I have madeRight from the start, it has seemed that this system was designed for customer's to fail and as soon as someone inquires about the circumstances surrounding the mishap, no one actually wants to provide any actual answers for how it might have happened.What I am arguing is that I created an online account this January and enrolled in automatic paymentsMy account was somehow removed (as was my payment pay)I have said this through several of my previous correspondence and it remains completely ignoredWhat I want to hear from a representative from GM is: Could their "system change" have altered my account? If that is the case, as I have said over and over again that it seems to be, the error was not of my making.My mother bought a car around the same time as me and the EXACT same thing happened to her, as well as (apparently) other people who purchased cars in January as wellThe account was removed and she received a notice saying that her payments were lateI never received that noticeGM is claiming that they called the number on my account, but it WASN'T my phone number! Somehow they contacted the number attached to my mother's GM account (her mobile phone)If they review the records that they consistently claim are so accurate, they would see that MY phone number (or e-mail) was NEVER contacted.I immediately paid my entire balance once the delinquent payments were brought to my attention (as well as months in advance)I am so disappointed with GM for how they handled thisI can't believe that they are so steadfast with this issue and refuse to even look into the complaints that I have raisedI always make my payments and this experience has been time-consuming, embarrassing, and needless
Regards,
*** ***

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 numberIn order to help expedite our research, please also provide the tracking number and check information for the payoff checkUpon receipt of this information I will research this matterSincerely,GM Financial

Complaint: ***
I am rejecting this response because:the company is only going to look at the problem.not solve it? ? the leasing account number is *** *** * ***, *** * *** *** *** *** ***
Regards,
*** ***

June 28,
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
A review of your
account reflects that the account was reported as a repossession on May 17, and was paid in full on that same dayOur records show that your date of first delinquency is November 9, This date is used to determine when the late payment information is to be deleted from your credit reportYou may contact the credit reporting agencies directly to confirm the dates they have scheduled for this debt to delete from your credit bureau report
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
Included for your review is a copy of the Contract and Account Payment HistoryIf you have any further questions or are in need of additional assistance regarding this matter, please contact GM Financial at ***
Sincerely,
GM Financial

The vehicle was under the dealer possession in which there was no longer an existing contract since a new contract was signed it should of  superseded the existing contract. This should be taken into consideration since it was signed and dated as of June 13, 2015. If it is your unwillingness to assist me in correcting this matter please forward me the legal depart contact information to have my attorney contact them.

Revdex.com:
I do not feel comfortable providing my social security or account numbers over the internet. With the information I have already provided, they should be able to find my account.
Regards,
[redacted]

March 9, 2018
Re: Complaint ID: [redacted]       [redacted]
Dear Mr. [redacted],
Thank you for the correspondence sent to the Revdex.com. I have reviewed your concerns and would like to provide the following information.
Please note, a refund has...

been requested and completed. A check in the amount of $133.17 was issued to the address of record on March 7, 2018. Please allow 7-10 business days to be received.
Should you have any further questions or require additional assistance please contact GM Financial at ###-###-####.
Sincerely,
GM Financial

January 24, 2018
RE: Complaint ID: [redacted]       [redacted] 
Dear Mr. [redacted]
Thank you for the additional correspondence sent to the Revdex.com. I would like an opportunity to address your concerns, however additional information is required....

At your earliest convenience, please forward me your social security number and or account number. Upon receipt of this information I will research this matter.
Sincerely,
GM Financial

You did not provide any additional info at all?

June 29, 2017
Re: Complaint ID: [redacted]
      [redacted]
Dear Mrs. [redacted],
Thank you for the correspondence sent to the Revdex.com. I have reviewed your concerns and would like to offer the following information.
On May 28, 2017,...

the vehicle was involved in an accident and declared a total loss by USAA Insurance (“USAA”). On June 12, 2017, GM Financial quoted a payoff in the amount of $24,032.96 good for 10 days to USAA. On June 21, 2017, GM Financial received a payment from USAA in the amount of $17,896.49. As per your contract, the payment was applied to the balance of your account reducing what you owe. Insurance proceeds will only be applied to the principal balance of the account. You are still responsible for maintaining the monthly installment payments and are still subject to monthly credit bureau reporting until the account is paid in full. The insurance proceeds received from USAA were applied to your account balance and were not enough to pay the amount you owe. Our records indicate that the payment history has been sent and your GAP claim is still being processed by your provider. Please allow time for this process to be completed. Once insurance and gap proceeds have applied to the remaining contract liability, you with either be billed for the remaining balance or you will receive an overage refund.
I have included a copy of your payment history and your last two billing statements for your records. If you have any further questions or are in need of additional assistance regarding your account, please contact the GM Financial Total Loss Department at [redacted].
Sincerely,
GM Financial

I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me. However, it is apparent that all of the representatives are not aware of the 5 day grace period. When I called last year in regards to a deferment, I was informed by a representative that there was a 10 day grace period. This is the information I have been going on. Also, I never denied that my sister and I entered a contract. That was never the problem. The most recent calls were not the first time and that they continued several times a day after the payment was made.

September 21, 2016
Re: Complaint ID: [redacted]       [redacted]
Dear Ms. [redacted],
Thank you for the correspondence sent to the Revdex.com. I have reviewed your concerns and would like to offer the following information.
GM Financial has reviewed...

your concerns regarding calls made to the telephone number of ###-###-#### and has submitted a request to have your contact information placed on a Do Not Call list to ensure no further calls will be made.
GM Financial takes all complaints seriously and we appreciate you bringing this matter to our attention, and apologize for any inconvenience this may have caused.
Should you have further questions or require any additional numbers to be placed on the Do Not Call list, please feel free to contact me directly at the number listed below.
Sincerely,
[redacted] Compliance Administration
Phone: ###-###-####
Fax: ###-###-####

November 30, 2016
Re: Complaint ID: [redacted]
      [redacted]
Dear Ms. [redacted],
Thank you for the correspondence sent to the Revdex.com. I have reviewed your concerns and would like to offer the following information.
Please understand that GM...

Financial is required to report truthful and accurate information to the credit bureau reporting agencies. Our research concludes that the status and payment history of your account have been reported to the credit bureau reporting agencies with accuracy. Please be advised upon the completion of the deferment process, an update will be submitted to all three major credit bureaus to reflect the new reporting for the months deferred.
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

Complaint: [redacted]
I am rejecting this response because this will never be resolved to my satisfaction. I will be call your offices because the ONLY THINGS I want at this point are the documents (evidence) that you (all) obtained to determine that these parking tickets were posted to my account in error. In the mean time, I will be look at Dodd-Frank and Consumer Protection laws because I do believe that GM Financial crossed the line, of not only not providing good customer service, when my complaints were initially ignored. To me, this is no different than if I was being hounded by credit collectors that failed to hear me when I stated that these are NOT my parking tickets.
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because: I have made several attempts to get this matter handled.
Regards,
[redacted]

September 5, 2017
Re: Complaint ID: [redacted]
Brandi Van Oosten
Thank you for the additional correspondence sent to the Revdex.com. I have reviewed your concerns and would like to offer the following information.
On June 15, 2009, you signed a Retail Installment Sales Contract for the 2009 Nissan Versa in the amount of $19,008.49 at an interest rate of 24.00%. Within the agreement, you agreed to repay the loan in 72 monthly installments in the amount of $505.44 per month, beginning July 30, 2009. The contract is a simple interest contract which means interest accrues daily on the unpaid principal balance. In review of the account activity and payment history, more of your monthly payments were applied to accrued interest due to payments being made after the scheduled due date which resulted in the unpaid principal balance that remains today. If all payments are paid by the due date, the account would have been paid in full on the contract maturity date.
Please note that throughout the time that the account has been active, eight deferments have been processed per your request for the months of January and February of 2010, September and October of 2010, June and July of 2011 and July and August of 2012. Deferments are used to assist customers in bringing their accounts current. Please understand that deferred and delinquent payments cause additional interest to accrue.
Please understand that GM Financial is required to report truthful and accurate information to the credit reporting agencies. Our research concludes that the account status and account payment history have been reported to the credit agencies with accuracy. As a result, we are unable to make any changes or deletions.
For your review, a detailed payment history, copy of your retail installment contract and the last five billing statements will be sent by mail to your address of record. Should you have any further questions or require additional assistance regarding this matter, please feel free to contact GM Financial directly at (877) 203-5536.
Sincerely,
GM Financial

May 5, 2017
Re: Complaint ID: [redacted]
      [redacted]
Dear Ms. [redacted],
Thank you for the additional correspondence sent to the Revdex.com. I have reviewed your concerns and would like to offer the following information.
Please be advised, GM Financial has submitted an update and forwarded the proper documentation to all three major credit bureaus to ensure the March 15, 2017 installment is reported as current. The bureaus generally reflect the updated information within 30-45 days, if an update was required.
As stated in the contract (See Page 2, Section 21 under Default, Repossession and Other Remedies), If you are in default we may take (repossess) the Vehicle. You will pay our reasonable expenses of taking these actions as the law allows. It was required for the repossession agent to cut a new key in order to take possession and access the vehicle. In an effort to resolve this matter, we will process a courtesy waiver for the key fee.
Should you have any further questions or require additional assistance, please feel free to contact GM Financial at [redacted].
Sincerely,
GM Financial

October 5, 2016
Re: Complaint ID: [redacted]       [redacted]
Dear Ms. [redacted],
Thank you for the additional correspondence sent to the Revdex.com. I have reviewed your concerns and would like to offer the following information.
On June 30, 2016, GM Financial provided Midway Chevrolet with the payoff address and a payoff quote good for 10 days for the 2014 Chevrolet Equinox. Further review of your account reflects that on July 7, 2016, a GM Financial representative notified you that no payoff had been received from the dealership and that the account would remain in a delinquent status until the receipt of the payoff.
The payoff for your account was received on July 20, 2016, at this time the account was 40 days past due for the June 10, 2016 installment payment. Please note that on the date you provided as the trade in date, the account was already delinquent. Responsibility for this contractual obligation remained with you until the payoff had been received for your account; the trade in of the vehicle does not negate the contractual obligation.
GM Financial is required to report truthful and accurate information to the credit bureau reporting agencies. Our 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 at this time.
Should GM Financial receive written documentation from Midway Chevrolet indicating that they are at fault for the delay in the receipt of the payoff, GM Financial will reconsider your request for removal of the derogatory mark reported in July of 2016. The letter must be on the dealership’s letterhead and include contact information for the person furnishing the letter on your behalf.
Should you have any further questions or require additional assistance with regard to this matter, please contact GM Financial at ###-###-####.
Sincerely,
GM Financial

Complaint: [redacted]
I am rejecting this response because: NOTHING had been fixed on my account. This is what I am talking about, my payment due on April 3, 2018 should be 3.56 less my normal payment. I don't understand what the problem is. I have talked to so many people & can not figure out why this is so hard to correct. It's simple math. Let me just add this up for GM Financial.I am going to do this for the dates posted from my bank account.January payment Dec 26 250.00 Jan 16, 2018 250 = 500.00February Payment Feb 12, 2018 475.56March paymentFeb 20, 2018 255.00 March 12, 2018 200.00 = 455.00Total amount due for 2018 Jan-March = 1427.00I have paid 1430.56PLEASE REALLY FIX THIS BEFORE WASTING MY TIME AND THE Revdex.com's TIME WITH THE NONSENSE.
Regards,
[redacted]