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$4896.19. I do believe I ONLY owe US$2,588.19.  I have reviewed the account history of my payments made to GM Financial and I have paid over an approx. US$41,544.00 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 deferment. I never received any writing explanation on the processes works. If 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]

November 4, 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.
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.
Included for your review is a copy of the registration letter that will be mailed out today to the address you provided.
Should you have any further questions or require additional assistance regarding your GM Financial Lease, please feel free to contact Customer Service at ###-###-####.

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]

Complaint: [redacted]
I am rejecting this response because: I have not received lien release or title to my car in the mail yet. Once they both are received I will accept response. I still believe an investigation into GM/Americredit's practice of not sending proper releases and clear titles to consumers in the first place is still warranted. I believe they have set up & run the website www.getmycartitle.com to extract extra unnecessary & illegal fees from consumers. It was their first response to me when I called & told them I was paying vehicle off a few months early back in 2015 & made sure they had my correct current mailing address (is same now still) to mail clear title to. They told me I was going to have to go through www.getmycartitle.com & pay extra fees before even receiving final payment. Is their ownership & use of that website to gain extra fees legal?
Regards,
[redacted]

September 20, 2017
Re: Complaint ID: [redacted]
Dear Mrs. [redacted],
Thank you for the correspondence sent to the Revdex.com. At this time, GM Financial is currently reviewing your account. I would like the opportunity to speak to you with regard to your...

concerns, at your earliest convenience please contact me at the number provided below.
Sincerely,
[redacted] Compliance Management SystemPhone: [redacted] Fax[redacted]

February 13, 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.
An update has been submitted...

to the credit bureau reporting agencies to remove the 30 day delinquency marks reported the months of November and December of 2017. Please allow the credit bureau reporting agencies 30-45 days to reflect these updates. Please understand that any additional disputes submitted through the credit bureaus prior to these changes updating, may cause the credit agencies to void the update submitted by GM Financial.
We apologize for any inconvenience this situation may have caused. Should you have any further questions or require additional assistance with regard to this matter, please contact Lease Customer Service directly at ([redacted].
Sincerely,
GM Financial

January 19, 2018
Re: Complaint ID: [redacted]
[redacted]
Dear Mr. [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

Complaint: [redacted]
I am rejecting this response because: GMAC is requesting account number- here it is for them #[redacted]
Regards,
[redacted]

January 12, 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.
Our records reflect that we reported the full balance of $2307.00 for the July 2016 due date, since the balance was due in full at that time.
Please be advised that GM Financial has not changed our position regarding the account.
Thank you for your time and insight regarding your experience with GM Financial.
Sincerely,
GM Financial

November 6, 2017
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.
On June 10, 2012,...

you signed a Retail Installment Sale Contract (“Contract”) for the purchase of a 2012 Nissan Versa in the amount of $14,902.34. Enclosed is a copy of the Retail Installment Contract and Credit Application. These documents are sufficient to validate your obligation for this account and all the information that has been sent to any credit agency. We will also mail these to you, along with a copy of the payment history for your review.
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.
If you are the victim of identity theft regarding a GM Financial account and wish to request an investigation, the claim must be submitted in writing and mailed or faxed to GM Financial. We have mailed you a copy of the GM Financial Fraud Investigation Process, Investigation Request Form, and ID Theft Affidavit. Please remit the completed forms and required documents as per the instructions and an investigation will be conducted.
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

November 3, 2017   RE:  Complaint ID:  [redacted]          [redacted]   Dear Ms. [redacted]:   Thank you for sending the additional information.   Please note that the certified copy of your title was faxed to [redacted] per your request. If you would like to make payment arrangements, please contact our office at [redacted]   Sincerely, GM Financial   Tell us why here...

March 24, 2017
Re: Complaint ID: [redacted]
      Ronald [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.
On January, 17, 2015, you...

entered into a Motor Vehicle Lease Agreement for a 2017 Cadillac ATS with Silver Star Motor Company. Within the agreement, you agreed to a 36 month lease term with a payment of $439.99 per month. GM 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 parties. The contract was subsequently assigned to GM Financial.
I have included a copy of your contract for your review. Should you have any further questions or require additional assistance, please feel free to contact GM Financial at [redacted].
Sincerely,
GM Financial

Complaint: [redacted]
I am rejecting this response because: I am already aware of everything you responded with. Your response didnt even touch on most of my stated issues. If I make a payment May 5th, you should not take more money on the 22nd without letting me know. Customers should be advised against paying if you know that procedure is to take money regardless. Customers should be advised they cannot choose due dates. If a service rep is going to cancel anything on the account, they should advise the customer, not go ahead without permission. I received poor service a series of times throughout my less than 2 years with my lease, not just once. That should be addressed better. Not to mention that I already learned your refund process - 30 days by mail! A month to retrieve money that you took despite me owing nothing.. And I have to provide documentation even though you're aware it happened without a doubt. Ridiculous excuse for customer service.
Regards,
[redacted]

October 17, 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 provide the following information.
Our records reflect...

that a payoff in the amount of $10,380.76 was quoted on October 11, 2017 good through October 21, 2017. Please be advised a 10 day payoff is provided each time a payoff is requested.
It 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. Explanation of interest accrual, application of payments, and how late or early payments change what you must pay is explained on page two of your contract under the section titled “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 10.95% in 72 installments of $433.66, and any other charges within this contract.
Should you have any further questions or require additional assistance, please contact GM Financial’s Customer Service department at [redacted] 
Sincerely,
GM Financial

August 10, 2016
Re: Complaint ID: [redacted]
      [redacted]
Dear Mr. [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.
A refund has been requested and is being processed. A check in the amount of $242.67 will be sent via overnight mail to the [redacted]. Please allow 7 to 10 business days from the time the check is issued for it to be received
Should you have any further questions or require additional assistance, please feel free to contact Lease Customer Service at ###-###-####.
Sincerely,
GM Financial

January 29, 2018
Re: Complaint ID: [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.
A review of our records does not reflect that your...

account has been reported 30 days delinquent to the credit bureau reporting agencies. 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 bureaus. The bureaus generally reflect the updated information within 30-45 days, if an update was required.
Please note the vehicle is currently pending sale, once complete a final bill will be sent to your address of record if a balance exists.
Should you have any further questions or require additional assistance with regard to this matter, please contact GM Financials Lease Customer Service at (800) 369-5212.
Sincerely,
GM Financial

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 January 1, 2015, you filed a Chapter 13 Bankruptcy. According to your Chapter 13 plan, the trustee was to disburse...

payments totaling $19,230.68 at 5% interest to GM Financial. According to our records and the Trustee’s Final Report and Account, no disbursements were paid to GM Financial.
Our records reflect that your monthly installment payments were due on the 1st day of each month and that GM Financial spoke with you on numerous occasions regarding the status of the account; and our records further reflect that there were either no GM Financial approved payment arrangements in place or the approved arrangements were not upheld.
After the dismissal of your Chapter 13 Bankruptcy on May 19, 2015, GM Financial did not receive the required payment of the past due amount in order to be able to cease repossession efforts. As allowed by your contract, on June 1, 2015, the decision was made to place the vehicle out for repossession. At this time, the account was more than 150 days past due. The repossession order was closed June 11, 2015 after the receipt of a payment for the January 1, 2015 installment due date. On July 7, 2015, the account was again reviewed by management and the decision was made to place the vehicle out for repossession. At this time the account was over 90 days past due. The account history has been 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 “Notice of Right to Redeem or Reinstate” and the “Notice of Our Plan to Sell Property” were mailed to your address of record on August 13, 2015. 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 vehicle. After the sale of the vehicle at auction, a “Deficiency Calculation” letter was mailed to your address of record on September 15, 2015 to inform you of the remaining balance owed.

Please be advised that a cease and desist of telephone communication has been documented to the account. While you may no longer receive telephone calls regarding the status of your account, GM Financial will continue to communicate with you to the extent allowed by law.
Please be advised that the repossession company that you referenced is an independent contractor and is licensed as such. Any claims against their company will need to be addressed directly with their company and/or licensing authority.
Included for your review are copies of your contract and account payment history. If 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.com. I would like an opportunity to address your concerns, however additional information is required. At your earliest convenience, please provide your full GM Financial account number or the last four digits of your...

social security number. Upon receipt of this information I will research this matter.  Sincerely,GM Financial

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11192744, and fhind that while not all statements made by business are correct, I was able to get my vehicle back and just want to be done with all of this.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11462489, and find that this resolution is satisfactory to me. Please credit the late fees as promised.