GM Financial

May 30, 2017
Complaint ID: [redacted]
                     [redacted] A. [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.
On March 5, 2016, you entered into a Retail Lease Agreement (“Contract”) for a 2016 Cadillac Coupe. Within the agreement, you agreed to a 48 month lease term with a monthly payment in the amount of $609.70 per month, due on the 4th day of each month.
A Lease Assumption is not a part of the original contract term. The option of third party is subject to credit approval and additional requirements. Please be advised f you opt to terminate this lease early you will be subject to Early Term liabilities, as per your contract on page 2 under §22 Early Termination Liability.
We empathize with the problems you may have experienced with the vehicle; however, all mechanical issues will need to be resolved between yourself, the dealership, and/or the manufacturer of the vehicle, if necessary.
Should you have any further questions or require additional assistance, please feel free to contact GM Financial at [redacted].
Sincerely,
GM Financial

Thank you for forwarding the
additional correspondence sent to the Revdex.com. I have reviewed
your concerns and would like to offer you the following information.
 
Please note as a courtesy GM
Financial waived the $10.00 late fee that assessed on your...

account. This
information will appear on your next billing statement.
 
If you have further questions
or require additional information, please contact our office at ###-###-####.
 
Thank you for your time and
insight regarding your experience with GM Financial.
 
Sincerely,
GM Financial

October 11, 2016
Re: Complaint ID: [redacted]       [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

August 14, 2017
Re: Complaint ID: [redacted]
      [redacted]
Dear Ms. [redacted],
On August 21, 2015, you entered into a Closed End Motor Vehicle Lease for a 2015 GMC Terrain. Within the agreement, you agreed to a 24 month lease term with a monthly payment in the...

amount of $234.34 per month, due on the 21st day of each month beginning August 21, 2015.
Please be advised that payments received at our lease payment processing center are processed upon receipt and are subject to the United States Postal Service pick-up and delivery time, as well as our normal business hours for processing. Once processed, the payment is posted to your account with an effective date mirroring the processing date.
If you would like to avoid additional mailing time or any online bill pay issues, 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 be subject to a convenience charge. Payment options available at no cost include the ACH payment option online or the GM Financial Automatic Payment Plan.
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 have been reported with accuracy; and as a result, we are unable to make any changes or deletions to the credit bureau reporting of your account.
Should you have any further questions or require additional assistance with regard to this matter, please contact Customer Service at [redacted].
Sincerely.
GM Financial

Complaint: [redacted]
I am rejecting this response because:As stated in my initial complaint, the DMV received your package, but there was no title inside. You need to acknowledge that a mistake was made and fix it. This will require either finding the original paper title and sending it to the DMV or requesting a new paper title and sending it to the DMV. Please consider a new job if this is too difficult. Thanks.
Regards,
[redacted] [redacted]

Complaint: [redacted]
I am rejecting this response because: I appreciate that, but is there anything else you can do, that really doesn't make a lot of difference as to when I will get the loan paid off.  At least 1 full payment of late charges waived would be appreciated.  Thanks
Regards,
[redacted]

Thank you for forwarding the correspondence sent to the Revdex.com. I would like an opportunity to address your concerns, however more information is required. At your earliest convenience, please forward me your full account number or social security number. Upon receipt of this...

information I will research this matter.
 
 
Sincerely,
GM Financial

June 9, 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 December 16, 2015, GM...

Financial received an application for credit submitted at Jake Sweeney Chevrolet. You have indicated that you are disputing the inquiry as unauthorized; and as a result, GM Financial has requested that the appropriate credit reporting agencies remove the GM Financial inquiry from your credit report. In the event that the credit bureau reporting agencies are unable to delete the inquiry, we have asked that at a minimum that they convert the hard inquiry to a soft inquiry. Please be advised that it can take the credit reporting agencies four to six weeks to update your credit report.
Should you have any further questions or require additional assistance, please feel free to contact GM Financial Customer Service at [redacted].
Sincerely,
GM Financial

July 15, 2016 Complaint ID: [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. On August 6, 2014, you signed a Closed End Motor Vehicle...

Lease (“Contract”) for a 2014 GMC Terrain. Within the agreement, you agreed to a 48 month lease term with a monthly payment in the amount of $340.58 per month, due on the 6th day of each month. A review of the payment history of your account reflects that no payments were received by GM Financial in the months of November of 2015 or January, February, and June of 2016; and that payments received in the months of October of 2015 and April of 2016 were returned to GM Financial due to non-sufficient funds.  Please note that GM Financial places a high priority on adhering to all state and federal laws. The State of Pennsylvania does not require a cure period or notice of repossession be mailed prior to repossession. On April 8, 2016, the decision was made to place the vehicle out for repossession, as allowed by your contract. At this time the account was 93 days past due for the January 6, 2016 base rent due date. Our records reflect that one payment in the amount of $340.58 was received on April 14, 2016 and was applied towards the past due January of 2016 base rent due date; however, this amount was not sufficient to bring the account current and no GM Financial approved payment arrangements were in place.  On April 21, 2016, the repossession company confirmed the recovery of the 2014 GMC Terrain and the amount required to reinstate the vehicle at that time was $1508.10. These funds were received on April 22, 2016 and were applied to the costs of the repossession as well as the base rent due dates for February of  2016, March of 2016, and April of 2016 to bring the account current. Our records reflect that the vehicle was released back into your possession on April 25, 2016.  On April 26, 2016, the payment originally received on April 14, 2016 was returned to GM Financial due to non-sufficient funds. The reversal of this payment required the reapplication of the payments paid as part of the reinstatement to the base rent due dates for January, February, and March of 2016; causing the April 6, 2016 base rent due date to become delinquent.  You did not remake this payment until May 24, 2016. The next payment was received on May 25, 2016 and was applied towards the May 6, 2016 base rent due date. Payment records reflect that no payments were received within the month of June of 2016. On July 11, 2016, GM Financial received one payment in the amount of $340.58 which has been applied to the past due base rent payment of June 6, 2016. At this time, the July 6, 2016 base rent payment is 9 days past due. Copies of your Contract and Payment History have been mailed to your address of record. Please allow 7-10 business days from today’s date to receive.  Should you have any further questions or require additional assistance, please feel free to contact GM Financial at ###-###-####. Sincerely,GM Financial

October 18, 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.
As a courtesy, GM Financial an additional $331.70 of the Excess Wear and Tear. Please be advised a zero balance letter will be mailed to the address on file.
Should you have any additional questions regarding this matter please feel free to contact Lease Customer Service at [redacted]-[redacted]-[redacted].
Sincerely,
GM Financial

January 24, 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 l[redacted] to offer the following information.
Please be advised as stated in the Agreement of Substitution of Collateral, signed by you on June 11, 2016, the account must remain current at all times.
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.
Should you have any further questions or require additional assistance regarding this matter, please contact GM Financial directly at [redacted].
Sincerely,
GM Financial

October 31, 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.
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. Please note that GM Financial has responded to all credit bureau disputes accurately and in a timely manner. Unfortunately, we are unable to fulfill your request to make an adjustment to the credit bureau reporting.
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

February 1, 2018
Re: Complaint ID: [redacted]
      Celina [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.
As previously informed, a payment research was completed. A check in the amount of $22,050.40 has been applied to the account with an effective date of January 1, 2018. The account reflects as closed and paid in full.
Should you have any further questions or require additional assistance with regard to this matter, please contact Customer Service at [redacted].
Sincerely,
GM Financial

January 15, 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.
As previously...

explained, this account was paid off on July 11, 2017. GM Financial received a bill from the state of Kentucky on July 19, 2017 via an electronic file and was paid by GM Financial the same day. The account was thru billed for the 2017 property tax from Kenton County on July 19, 2017, the balance on the account is $220.84. Please be advised that Kentucky does not offer refunds on partial years.
As outlined in the lease agreement (See Page 2, under Other Terms and Conditions, Section H), you are responsible for personal property taxes, sales, use or similar taxes assessed on the vehicle whether such fees or taxes are billed during or after the lease term, and whether you are billed by the government or whether we pay them and bill you for them or include the amount of such taxes as part of your scheduled payment.
Should you have any further questions or require additional assistance, please feel free to contact Customer Service at [redacted].
Sincerely,
GM Financial

September 30, 2015RE:  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 you the following information. Please be advised that the number...

provided was given to GM Financial from the customer as reference contact information. Our calls to third parties are only intended to be used for obtaining updated information for our customer.  No harassment or inconvenience was intended. GM Financial has removed the number provided and no further calls will be made. Sincerely,GM Financial

Thank you for the additional correspondence sent to the Revdex.com. I have reviewed your concerns and would like to provide the following information. As per your Retail Installment Sale Contract (“Contract”), if payment is not received in full within 10 days after it is due,...

you will pay a late charge of $5.00 or 5% of the part of the payment that is late, whichever is greater.  Your loan matured on November 9, 2013, at which time the remaining balance of $1,624.28 became due in full. Please understand that this is a simple interest contract, meaning that interest accrues daily in the unpaid portion of the Amount Financed. On the maturity date of your account, the late fee balance owed was $411.22. An additional late fee assessed for the final installment due date in the amount of $19.71 on November 20, 2013, bringing the total late fee balance owed to $430.93.  GM Financial received partial payments on December 12, 2013, January 14, 2014, and January 31, 2014. These payments paid the outstanding Amount Financed and Finance Charge balances and paid $1.91 towards your late fee balance. A notice regarding the maturity of the account was mailed on November 9, 2013 and notices regarding the late fee balance were mailed on February 14, 2014 and April 17, 2014. All notices were mailed to your address of record. Our records of your account also reflect that on January 14, 2014, you contacted GM Financial and set up two payments in the amount of $190.00 each dated for January 14, 2014 and January 31, 2014. During this conversation you were advised that a late fee balance would still be owed after the application of these two payments; and that once all balances have been paid, the title would then be released. Our records further reflect that telephone communication was not attempted regarding this balance as both parties to the contract unauthorized communication at the telephone numbers on file via MyAccount online. On November 24, 2015, GM Financial received an email regarding the title. A response was issued advising the e-mailing party to call in to Customer Service. The next communication with GM Financial occurred on April 8, 2016; where you were again advised of the outstanding late fee balance. As of today’s date, a late fee balance still remains on your account in the amount of $429.02. As late fees are part of your contractual obligation, the title to the 2005 Mazda 3 cannot be released until this balance is paid or settled. In an effort to assist you, a member of the leadership team offered the maximum waiver of 50% of the late fee balance owed after the amount $214.51 is received. Copies of your Contract, Account Payment History, Billing Statement dated October 20, 2013, Maturity Notice, and Late Fee Balance Notices have been mailed to the address provided on your Revdex.com complaint. Should you have any further questions or require additional assistance with regard to this matter, please contact Customer Service at 1(800)284-2271. Sincerely, GM Financial

Complaint: [redacted]
I am rejecting this response because: after the vehicle was sold I entered into an agreement and started making payments of $100 a month. You did not include this into this break down. Will that show on the documentation that is being sent to me?
Regards,
[redacted]

March 27, 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.
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 agencies with accuracy. We empathize with your situation; however, GM Financial is unable to make any changes or deletions to the credit bureau reporting of your account at this time.
Should you have any further questions or require additional assistance please contact GM Financial at ###-###-####.
Sincerely,
GM Financial

January 19, 2018
Re: Complaint ID: [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

My position has not changed on this matter either in addition I will be advising my legal counsel if I do not receive my title. Apparently all GM must provide to prove anything is their own creation.  I have proven they did not send any correspondence to the correct address and that they did possess the correct address from the beginning of the loan.  I thus far have received no proof that I was notified of a balance due on a loan I was informed was paid in full 6 years ago.  I therefore think this complain will have to be marked as unsolved by the Revdex.com.  Thank you Revdex.com for your help.