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]

This is not a response.... the dealership goes thru GM financial. I am a customer of GM Financial and I am requesting them to listen to my concern.

February 23, 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 offer the following information.
In the state of Arizona, all GM Financial lease purchase option transactions are handled by IFS, a third party vendor. They will provide you with all necessary documents regarding the requested transaction. Please contact IFS directly at [redacted].
If you have any questions or require additional assistance, please contact GM Financial at 1-[redacted].
Sincerely,
GM Financial

I am not disputing being late and behind on payments that was mentioned in my complaint. My complaint was that this loan for a car was extremely high interest rate which we did know the interest rate going in but we did not know the compounding daily  and it may have been in the paperwork but you are signing tons of paperwork and I said and will stand by what I said this loan was like a loan shark. Nothing that they said changed my thinking on that and the bigger complaint that was not even addressed was after I paid off the extended loan why I had to call multiple  times to get my title released properly and that is why I filed the other complaint if a title could not be released properly, I questioned the other paperwork being done properly. Thanks [redacted]

Complaint: [redacted]
I am rejecting this response because the point still remains that I requested arbitration and was waiting on a date. $5000 was still unethical and the repossession was still a power move on GM Financial part.  Forcing me to pay without the right to arbitration. And for them to still be able to cause unfair credit reporting should be against the law. At the end of the contract they received more than fair value and I received the title. I am requesting that they be removed. 
Regards,
[redacted]

March 9, 2018
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.
On April 14, 2014,...

you entered into a Retail Installment Sale Contract (“Contract”) for the 2014 Chevrolet Cruze. Please be advised that in accordance to the terms and conditions of the signed Contract, if defaulted, repossession was a possibility.
On January 22, 2018, the decision was made to repossess the vehicle, at this time the account was 83 days past due. On February 21, 2018, an arrangement was made for payment on March 9, 2018 and GM Financial closed the repossession order.
On February 27, 2018, the vehicle was repossessed in error by an independent contractor, L&K Recovery, and was delivered back to you at no charge. A repossession will not be reported to the credit bureaus and you will not be responsible for any repossession fees. We apologize for any inconvenience you have experience as a result of the repossession company’s error.
While we are unable to accommodate your request for an account credit, we do have an option available that may assist you. If you would like to discuss this option, please contact us at ###-###-####.
Sincerely,
GM Financial

October 3, 2017   RE:  Complaint ID:  [redacted]         [redacted]                           Dear Mr. [redacted]:  ...

Thank you for forwarding the correspondence sent to the Revdex.com. We have reviewed your concerns and would like to offer you the following information.   Please note that on September 26, 2017 the release of lien was mailed via FedEx overnight. The tracking number for this transaction is [redacted]. Per the FedEx website, your title was delivered on September 28, 2017 at 9:58am.   We would like to sincerely apologize for the inconvenience GM Financial caused you. Please be assured that we give customer service a high priority and is totally committed to achieving excellence.   If you have any additional questions or concerns, please contact me directly at [redacted].   Sincerely, GM Financial Tell us why here...

Thank you for the additional correspondence sent to the Revdex.com (“Revdex.com”). I have reviewed your comments and would like to offer the following response.GM Financial considers all customer concerns very seriously and your account history and activity were reviewed thoroughly to ensure strict compliance with your contract. Based on this review, GM Financial has not changed its position regarding the status of your account.Should you have any further questions or require additional assistance, please feel free to contact GM Financial at ###-###-####.Sincerely,GM Financial

January 20, 2017
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.
On March 26, 2016, you entered into a Retail Installment Sale Contract (“Contract”) with Hall Honda for the 2016 Honda Accord in the amount of $27,731.94 at an interest rate of 16.20%. Within the agreement, you agreed to repay the loan in 72 monthly installments in the amount of $604.61 per month, beginning April 25, 2016.
On September 30, 2016, the decision was made to repossess the vehicle, as allowed by the contract. At this time the account was 66 days past due and GM Financial had not been made aware of any pending insurance claims. Please be aware, numerous efforts were made to contact you regarding the status of this account. The 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.
Included for your review is a copy of the Contract and Account Payment History. If you have any further questions or are in need of additional assistance regarding this matter, please contact the Loss Recovery Department at [redacted].
Sincerely,
GM Financial

According to your records then we owe $2713.44 that is what I am saying it doesn't add up

February 28, 2018
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 provide the following information.
Please note on May...

24, 2017, you signed a Retail Installment Sale Contract for a 2017 Dodge Journey in the amount of $26,763.33 at an interest rate of 17.99%. Within the agreement, you agreed to repay the loan in 72 monthly installments in the amount of $614.77 per month, beginning July 8, 2017.
On January 23, 2018, the decision was made to place the vehicle out for repossession, as allowed by your contract. The 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. Please be advised numerous efforts were made to contact you with regard to the status of the account prior to the last contact made on December 21, 2017 and after that date. The last payment received prior to the repossession was on November 1, 2017 that was applied towards the October of 2017 payment due date.
Please be advised that to be able to reinstate the vehicle, all past due payments, late charges, impound and repossession fees must be paid in full. Also note that the vehicle could be transported to the auction at any time and without notice any time a vehicle is repossessed. Our records reflect that you completed the reinstatement of this vehicle on February 2, 2018.
The payoff amount for this account is currently $ 25,584.84 and is good thru March 10, 2018. Please note the payoff quote is subject to change if the payoff expires, changes to the account payment history occur or fees assess to the account. Any payoff amount quoted to you includes the unpaid principal balance of the account, finance charges currently owed from the date the last payment was received through the good thru date of the payoff quote; and any other fees that may be due, such as late fees.
We apologize for the inconvenience you have experienced recently when trying to access your online account profile. We are working diligently to resolve this issue and will contact you directly when access has been restored. We apologize for any inconvenience this has caused and appreciate your patience while we resolve this matter.
Enclosed is a copy of the Retail Installment Contract and payment history. Should you have any further questions or require additional assistance please contact GM Financial at ###-###-####.
Sincerely,
GM Financial

December 28, 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 be...

advised that a refund has been requested and is being processed. A check in the amount of $399.00 was sent on December 22, 2016 via regular mail. Please allow 7 to 10 business days from the time the check is issued for it to be received.
Should you have any additional questions regarding this matter please feel free to contact Lease Customer Service at [redacted].
Sincerely,
GM Financial

November 27, 2017
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.
Our records indicate...

that your payoff posted to your account on November 16, 2017. The overage refund is scheduled to be sent to you on December 16, 2017 per the standard time frame. You may contact our customer service department and provide proof of cleared funds in order to request an expedited refund.
If you have any additional questions regarding this matter, please feel free to contact GM Financial at [redacted]
Sincerely,
GM Financial

GM Financial, Here's my account [redacted]. I would only like you guys to remove the dispute comments from September that was done, because I had all of my 3 creditors remove the dispute against you guys and they told me to tell GM Financial to remove there comments from the dispute that way it will be canceled. I need this be done ASAP because my mortgage loan will NOT close if you guys to remove your comments. I cannot wait 30 days for you guys to remove a comment from a dispute. Please help by removing comments today if possible.  Thank you,
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because:One I let you know that I was late but being truthful you are not by any means. I am speaking of the two additional payments that I do not owe that is on my account and now that you see I signed this contract on 06/11/16 then why are there still two payments from April and May that I was not responsible for. So how can that be truthful when those two payments are still tacked on there before the signature of 06/11/16. Which I was told by [redacted] at DARCARS that my new payment was due 07/26/16. What I want you to honor is removing those payments and fixing my date to the 26th not the 7th. Please remove those payments and I have been asking for months now. So there is in no way that your company is providing truthful or accurate information.
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because: your response admits violating the terms of the contract. It says you may change the scheduled payments, not you may change the schedule. So the charge for immediate payment of the taxes was improper. Therefore the repossession was unlawful. This means GM Financial broke the terms of the contract when you repossessed the vehicle. My desired solution remains. I want this properly reported to the credit reporting agencies as all payments on time and that GM Financial unlawfully and unilaterally terminated the lease without cause. Additionally, I want reimbursement for the travel I've had to pay for without the vehicle. In exchange, I'll consider this matter resolved to our mutual satisfaction and agree to not seek further damages.
Regards,
[redacted]

June 30, 2017
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.
Our records reflect that...

we received a completed Auto Pay Enrollment form on April 24, 2017, effective May 22, 2017. Please be advised it takes a full billing cycle for the Automatic Payment Plan to be effective. An additional payment was entered by you, via Western Union Speedpay online on May 5, 2017 in the amount of $197.40 that resulted in a duplicate payment for May and put your account ahead.
In order for GM Financial to research and locate a missing payment or issue refund, proof of cleared funds are required. If the payment has been cashed by GM Financial, please fax in a front and back copy of the cashed item to [redacted], so that we may begin the refund process.
Please be advised that the Auto Pay has been cancelled per your request, effective July 22, 2017. As of the date of this letter, your account is current and not due for a payment until August 22, 2017. We apologize for the poor level of service you feel you have received. Please be assured that GM Financial gives customer service a high priority and is totally committed to achieving excellence. We appreciate you bringing this matter to our attention and apologize for any inconvenience this has caused.
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

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] Account number is:  [redacted]

December 14, 2016
Re: Complaint ID: [redacted]
      [redacted]
Dear Mr. [redacted],
Included in the original response is a copy of the Property Tax Bills for both the City of Hampton and the County of Isle of Wight for the 2015 and 2016 tax period. Please ensure you review all three pages of the attachment.
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 additional correspondence sent to the Revdex.com. I have reviewed your concerns and would like to offer the following information.
 
Please note that after a thorough review of your account, it has been determined that the account was handled...

appropriately and we found no errors with regard to your allegations. All calls made on the account were in effort to contact you due to the status of the account and in an attempt to make payment arrangements. No harassment or inconvenience was intended.
 
Please be advised that a cease and desist has been documented to the account to ensure you do not receive further phone calls. While you may not receive any phone calls regarding the status of your account, GM Financial will continue to communicate with you to the extent allowed by law.
 
Should you have any further questions or require additional assistance with regard to this matter, please contact GM Financial at ###-###-####.
 
 
Sincerely,
GM Financial