GM Financial

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

Thank you for your additional information. I have read numerous complaints about GM financial and creating situations like mine. All of my attempts to fax my phone records to your company were rejected, because they show no phone calls. This is when Ms. [redacted] told me, if they make a call and it doesn't go through it is not their problem. I also received to right to cure letter, though you may say you sent them and one to each of us on the loan. Your customer service department told me they do not send out repossession letters. Your reinstatement department said they had sent out one?? I'm still patiently waiting to receive either in the mail. I feel as though not one person at your company is listening. I feel as thought I am just repeating the same things over and I know I am. Now I have been a long standing customer for many years. The way I was treated and talked to on the phone by your company was extremely unprofessional. Never have I been treated this poorly company. I also refuse to call your customer service department for this reason. As I told your supervisor in your reinstatement dept, I have spoken to a lawyer. Do I want to hire one no, that will only be more money out of my pocket due to your company. Though the lawyer did try, my assumption would be I had a good case. Such as the breach of peace law, which was violated. Also an implied acceptance was violated, in which even a verbal agreement between myself and. The customer service representative about the two different dates that were given to me were agreed upon. If I was not given the second date, why would I have paid the the interest payment for the deferment. I was given the dates of August 21st or August 28th. Which I promptly paid the amount agreed on, on the date agreed upon. Yet, your company is accusing me of lying? I am not gaining anything at this point, I have paid all of your outrageous fees, to retrieve my car. I paid $225 in late fees, $395 for a reinstatement fee and $275 to get my car off of a lot where it should not have been taken in the first place. I lost a paycheck, being able to get my children from school, and not being able to go to work. This error was not on my part or why would I still be questioning for some type of answers that make sense. I would very much appreciate speaking to someone who actually cares about what their customers are being put through. Please do not waste any time typing your customer service number down please. I will keep searching for my answers and someone to talk to about this matter. As I believe I was treated unfairly and very poorly, this being spoken by a veteran of the army that served your company and families.

June 20, 2017
Re: Complaint ID: [redacted]
Dear Ms. [redacted]
Thank you for the 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 full GM Financial account number or social security number. Upon receipt of this information I will research this matter.
Sincerely,
GM Financial

Thank you for forwarding the 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 provide the full GM Financial account number in question. Upon receipt of...

this information I will research this matter.  Sincerely,GM Financial

This is not a solution and it appears my time is going to be continuously wasted with this ridiculous company. Went this long raping people's pockets I don't see why this would be any different.

The response only addresses one part of my complaint and ignores the rest. When the vehicle was sold at auction, there was a surplus due the estate. That was 313 days ago, as of today.  This whole time I received no refund of any kind. My remaining issues involve the following: at time of my father’s death, his account was current. I quickly reported the death and worked with GM Financial to return the car. While GM Financial arranged to sell the car at auction, they assessed a late fee to the account. There was nothing I could do while they prepared to sell the car. So I don’t think it’s right to add this fee. They added one month rent to the account, but paperwork I received from the auction shows the adjusted lease balance on the day the vehicle was sold. No one will explain to me why this is not double counting. And finally the original tax receipt obtained from Fairfax County is $33 less than the amount on the account statement. I sent a letter March 28 (49 days ago) asking about all of this and no one replied. When I talked to the agent in lease recovery to follow up, she was unable to give me any answers. And finally, I had to initiate the process myself of getting the property tax refund (which gets sent directly to GM Financial), six months into this whole process. The fact that they have the refund now is all good; my contact at Fairfax County said the refund was sent (as of March 29, 48 days ago). And finally- the complaint reply gives me a number to call- that is the main customer service number for leases; I’ve tried that number many times over the last year and they cannot help me- they say I can only deal with lease recovery. The agent I spoke with in lease recovery said she has done everything she can do, which is basically listen to me and make a note of my issues. She does not have the power to answer my issues, have someone who can answer them call me, or actually get the refund out. I’m still waiting.

September 14, 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 October 26, 2016, you...

signed a Retail Installment Sale Contract for a 2016 Chevrolet Cruze in the amount of $19,115.85 at an interest rate of 14.50%. Within the agreement, you agreed to repay the loan in 72 monthly installments in the amount of $399.03 per month, beginning November 25, 2016.
On September 5, 2017, the decision was made to place the vehicle out for repossession, as allowed by the contract. At this time the account was 71 days past due. 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. The state of Illinois requires a cure period or notice of repossession be mailed prior to repossession if there is a co-buyer on the account, a cure notice was sent to the address on file on August 16, 2017.
Our records reflect that GM Financial spoke with you on various occasions, however payment arrangements were not firmly set in place or the promises to pay were broken. 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 August 26, 2017 and after that date. In efforts to assist you, a deferment was offered to you. However, the deferment was not processed due to broken arrangements. Storage charges are owed separately to the repossession agent. A repossession fee is charged every time a vehicle is picked up, along with any other repossession fees. GM Financial is unable to honor your request to waive the repossession fees.
Please be advised that we only disclose the telephone number where the customer can return the call, and the hours of operation on a public answering machine. Our customer’s full name must be stated on the device recording to indicate a private answering device.
You may utilize other payment options such as payment by phone, IVR, or online at www.gmfinancial.com. These payment options are provided by Western Union and may subject to a convenience charge. Payment options available at no cost include the ACH payment option online or the GM Financial Automatic Payment Plan. Please be advised depending on the status of your account some of these options may not be available.
Included for you review is a copy of the Contract and Payment History. Should you have any further questions or require additional assistance with regard to this matter, please contact Customer Service at ([redacted]
Sincerely,
GM Financial

Thank you for the correspondence sent to the Revdex.com. I have reviewed your concerns and would like to provide the following information.On December 28, 2011, you and [redacted] M. [redacted] entered into a Retail Lease Agreement (“Contract”) for a 2012 Chevrolet Cruze. Within the...

agreement, you agreed to a 39 month lease term with a monthly payment in the amount of $197.99 per month, due on the 28th day of each month.Although you have advised GM Financial that through divorce proceedings Mr. [redacted] was awarded the responsibility for this lease, the contractual obligation still remains for all parties who entered into the contract. In order to have removed your liability, prior to the maturity of the lease, the party intending to assume sole responsibility would have needed to contact the dealership who originated the lease and have had to apply for the lease in their name only. Please understand that this would be the same process as when the lease was initiated in 2011, including credit approval. As your lease matured March 28, 2015, this would no longer be an option and all parties who entered into the contract are still liable for the remaining deficiency balance owed to GM Financial.Should you have any further questions or require additional assistance, please feel free to contact GM Financial at ###-###-####.Sincerely,GM Financial

Please read my last response, I have been being promised updates from GM to the Credit Bureaus for over a year. Everytime they promise an update the item will update and within the next 30 days the lates come back on. Hence, I had requested a letter from GM that I myself can send to the credit brueaus stating the account is to be reported with "no lates", however the only letter I got from GM was one stating they were "updating the account" which is not specific enough for the bureuas.  Once again I want GM to send me correspondence on their letterhead stating that the account is to be reported with "no late payments"

December 1, 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 on...

April 7, 2016 you were informed by a GM Financial representative that a payment returned to GM Financial on January 19, 2016. Please be advised that numerous efforts were made prior to that conversation and after to contact you about the status of the account.
As a courtesy, GM Financial waived $212.48 of the late fees on the account.
Should you have any additional questions regarding this matter please feel free to contact Lease Customer Service at [redacted].
Sincerely,
GM Financial

Complaint: [redacted]
I am rejecting this response because: If you looked into my file you will notice that myself and [redacted] from PSECU have stated that the notarized letter that was sent to me was not acceptable to the Department of Transportation. They claim that the money was never received and that just providing the tax number is not proof that the money was sent. That is why I am asking you to provide the cheque number or another form of proof that my tax money was paid to the state. If the money was sent to the state, it should be no problem proving that it was in a different form other than the letter and the numbers you provided. As for calling your tax department with questions, that is a waste of my time. I have talked to the tax department, escalations department, mangers and others to resolve this issue. The call always ends in "we will phone you back with an answer" and they never do. Extremely poor customer service. At this point I am absolutely disgusted with your company. How many times do I need to request a different form of proof?
Regards,
[redacted]

Thank you for the additional correspondence sent to the Revdex.com. I have reviewed your concerns and would like to provide the following information. You have provided a GM Financial account number and GM Financial has responded to multiple disputes filed with the credit bureau reporting agencies regarding this account and has verified that the information reflected as accurate. If you are now claiming this account does not belong to you and is the result of identity theft, you will need to complete the packet sent to you as an attachment to our previous response to request an Identity Theft Investigation. Once the required documents are received, GM Financial will investigate your claim and you will be notified via mail of the findings of this investigation. Sincerely,GM Financial

August 19, 2016

Re: Complaint ID: [redacted]2
[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.
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.
GM Financial will refund the amount you will pay to obtain a front and back copy of the money order as it is needed to research and locate a missing payment.
Should you have any further questions or require additional assistance, please feel free to contact Customer Service at 1(800)369-5212.

Sincerely,
GM Financial

August 1, 2017
RE: Complaint ID: [redacted]
[redacted]


Dear Ms. [redacted]:
Thank you for forwarding the additional correspondence sent to the Revdex.com. We have reviewed your concerns and would like to offer you the following information.
On June 5, 2015, you signed a Retail Installment Sale Contract (“Contract”) for the 2015 Chevrolet Malibu in the amount of $25,701.28 at an interest rate of 9.90%. Within the agreement, you agreed to a repay the loan in 72 monthly installments in the amount of $476.80 per month, beginning July 20, 2015.
Please be advised upon repossession of the vehicle on October 29, 2015, it was sold at auction for $13,222.40 which was applied to the remaining balance of the account. GM Financial mailed you a Statement of Final Accounting Deficiency Calculation on December 15, 2015 which provided you a breakdown of what is owed. We also sent follow up letters with balance information once a payment was made and offering a settlement amount.
Please be advised 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.
Per your request, your current deficiency balance is $12,967.74. We have mailed you a copy of your payment history as well as the balance and settlement letters to the address we have on file. Please feel free to contact our office at [redacted] if you have further questions or concerns.
Sincerely,
GM Financial

Complaint: [redacted]
I am rejecting this response because: One your not reporting correcting and mailing me something which will not resolve the issue is not going to work. Why do you as GM Financial think that it's ok to messe up my credit then think I should wait another 7 to 10 days for a letter that does not resolve the matter one you have reported my information correctly because I have spoken to directors of reporting at transunion and Experian who have all told me that it was sent in showing me late for Aug and Sept. Plus if I am late in July you do not mark Aug. as late and that's what your company has done your reporting my payments in areas. Which is against the fair credit act. To resolve this matter GM needs to take ownership of the issue and correct the reporting because you have reported incorrectly for my months of Aug. And Sept . If you think that reporting me late in Aug is correct for a July late payment then your entire reporting procedure is wrong. In order to resolve this matter you need to report my account in good standing for Aug. And Sept point blank. I want your company to know that there are several people who are facing the same issue with your company and the lack of urgency and ownership of the issue doesn't say much for the reputation of your company. So I am asking for you to stop reading a script and send the correction to all agencies saying that I was not late on my bill for Aug. Or Sept you do better just not reporting those two months at all but you cannot report me late in Aug for a payment in July . And let's make it clear this is being handled extremely lazy because your company could have sent a letter weeks ago saying no reporting forAug and Sept but instead you took the time to write a note on my credit report about natural disaster instead of fixing it so that shows me you don't care about the issue and are more worried about your personal company instead of your customers first. And I have spoke to Robert Beatty about this issue and I was ensured I would have this fixed and it's not . So please let's stop going back and forth send the correction to the agencies saying no late payment for those month. 
Regards,
[redacted]

Please enter your reason(s) for rejecting the business response below.I requested a copy of the following documents that you listed:October 27, 2010 with an acknowledgement number of 800152 January 5, 2011 with  an acknowledgement number of 518068December 4, 2012 with an acknowledgement number of 279426I was denied these documents by your "Manager". I was told I could not have access to these documents but if a subpoena is issued in court then you would provide. What is wrong with that picture?  I am a consumer and have every right to view any and all documents to verify what you "claim" was in them.  By not providing them you are being deceitful and elusive. There are no unpaid balances as you allege. All payments have been made. According to GM Financial website, as of May 14, 2016. Total payments that were made was 79; unless, it has since been altered. I have contacted the SD Attorney Generals Office and your corporate office. I know there is a social media blog regarding GM Financial and your tactics of adding on additional payments, refusal to send titles once contracts have been finished, and refusal to provide documents. Practices you are clearly following.  A Class Action lawsuit has been discussed.

Complaint: [redacted]
Michael E [redacted] P [redacted]
Regards,
[redacted]

The Western Union ACH site does not allow for changing of the address. I have tried this morning before I responded to this response, and the address box is uneditable. My legal information has to correspond to the information provided to my financial institution. Every other loan I pay back using ACH allows for my legal address to be used, rather than trying to force me to use my physical address.

My reason for rejecting the response is that GM financial  never told me or explain that only certain percentage  of my payment towards the car was going towards the car payment . GM financial is trying to defraud me. It's unfair how GM financial is operating their business,  it's very unfair and frustarting to consumers.  Revdex.com please look more in to this matter

February 23, 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.
Our records reflect that on January 30, 2018 we mailed the title to the Department of Motor Vehicles of Oregon via [redacted] Tracking # [redacted]. Please contact the Department of Motor Vehicles as soon as possible to ensure the vehicle is re-titled and registered accordingly. Unfortunately, GM Financial is unable to honor your request to reimburse the cost of a 21 day trip permit or additional registration fees.
Should you have any further questions or require additional assistance in regards to this matter please contact GM Financial at ###-###-####.
Sincerely,
GM Financial