GM Financial

Complaint: [redacted]
I am rejecting this response because: I no longer wish to call into GM Financial due to the extreme time commitment it takes to actually get a human being on the line. No further follow up is needed because nothing will be resolved. 
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because:none of my complaints have been answered. My social security number is [redacted]  
Regards,
[redacted]

September 22, 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 unable to research this matter or provide additional information without an authorization and consent form signed by our customer. You may have the customer contact Customer Service at [redacted] to discuss this matter further.
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.
GM Financial has submitted an update and forwarded the proper documentation to all three major credit bureaus. Please allow 30-45 days for the credit bureau reporting agencies to reflect this update.
Should you have any further questions or require additional assistance with regard to this matter, please contact GM Financial directly at ###-###-####.
Sincerely,
GM Financial

Complaint: [redacted]
I am rejecting this response because:See last response.
Regards,
[redacted]

March 9, 2018
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 provide the following information.
Please be advised that the payment in question was located and applied your account with an effective date of October 11, 2017, in the amount of $241.63 for your October of 2017 base rent payment. Please note that your account reflects current with the next payment due April 11, 2018. As of the date of this letter, there are no late fees on the account.
We apologize for any inconvenience this situation may have caused. Should you have any further questions or require additional assistance please contact Customer Service at ###-###-####.
Sincerely,
GM Financial

The balance previously reported was listed as "$10,586"; the new reported balance reflected on all three credit bureau reports as of 12/06/2015 is listed as "$6,457" with no "paid in full" notations. Also it is reporting the past due as "$6,457" which does not actively reflect a "paid in full" balance; nor does it reflect the reported creditor's "GM Financial is required to report truthful and accurate information to the credit bureau reporting agencies. Our research concludes that the account status and payment history of your account have been reported to the credit bureau reporting agencies with accuracy".  With that being said; the initial complaint was filed after contacting GM Financial directly and getting no where other than being continually transferred to address my concerns. I have also attached the MRS settlement letter which I still have not received a copy via mail of the "paid in full" settlement offer from them; only the e-mail stating it would reflect after the payment is cleared the bank. Attached is also the settlement balance which has showed it cleared my bank. According to the response from GM Financial "Our records reflect that the account was settled in full on November 13, 2015 with MRS, a third party agency. Please allow 30-45 days for this information to update and reflect accordingly." This means that the account is settled; has fully cleared the bank and has already "updated" the payment in under 30-45 days so reported by the creditor. As a result; there seems to be no headway with the originating creditor as they can not "update accurately" the information. Therefore my action stands that the entire trade-in be deleted immediately from all three credit bureaus due to the continued slanderous information being supplied to the credit reporting bureaus which does not actively reflect the current information at hand. Please see the below information as it seems to the only source of information that is being recorded accurately. I also request that the "paid in full" letter me immediately sent to my mailing address that both GM and MRS have on file. If no appropriate action can be taken immediately, I have accurately and diligently recorded all information, payments and conversations with MRS and GM along with kept all correspondences and updated reports with all information selected to the willful negligence of the reporting creditor. Again I demand that the entire trade-in be immediately removed from all three credit bureau agencies.This is the e-mailed letter from MRS BPO:

July 26, 2017
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

Thank you for the additional correspondence sent to the Revdex.com. I have reviewed your concerns and would like to provide the following information.GM Financial’s position regarding this matter has not changed. Validation of the late fee balance has been provided to you. Should you have any further questions or require additional assistance, please feel free to contact Customer Service at ###-###-#### or [redacted].Sincerely,GM Financial

March 13, 2017
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

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 your loan charged off in April of 2010, after the repossession and sales proceeds were applied to the balance. Efforts to collect the deficiency balance continued after the charge off by third party agencies. On April 25, 2015, the decision was made to discontinue collection efforts and the account was closed; however, a deficiency balance still remains.  GM Financial is unable to comply with your request make any additional changes to the credit report, as all information reported is accurate. Please note that a deficiency balance still remains and will be reflected on the credit report.Should you have any additional questions regarding this matter please feel free to contact GM Financial at ###-###-####.  Sincerely, GM Financial

April 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.
Please be advised that the...

payoff check was backdated with an effective date of February 17, 2017. Upon review of the account, GM Financial determined there are no credit marks on the account for February or March of 2017. An update has been submitted to the credit bureau reporting agencies to remove the January 2017 mark. 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.
If you have any questions or require additional assistance please contact GM Financial at [redacted].
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.
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 of your account. Our records reflect that the account was reported more than 30 days past due in October 2015 and more than 60 days past due in November 2015 for the September 2015 installment due date.
Between August 28, 2015 and November 11, 2015, our records reflect that GM Financial only had contact with you once on September 14, 2015, and during this conversation our records do not reflect that a deferment was discussed or requested. On October 22, 2015, an email was sent to the email address registered with MyAccount in an effort to contact you and offer assistance. GM Financial understands that customers may face financial hardships throughout the life of their loan. Please understand that deferments are not a contractual obligation and are not always available. If in the future, the deferment option is available and if your account is eligible for this type of payment assistance, please be aware that all deferment requests are subject to management approval.
Copies of your Contract and Account Payment History have been included for your review. Should you have any further questions or require additional assistance with regard to this matter, please contact GM Financial directly at ###-###-####.
Sincerely,
GM Financial

January 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.
A refund has been requested, a check in the amount of $424.39 will sent in the next few days. Please allow 7 to 10 business days from the time the check is issued for it to be received. We appreciate your patience. Please be assured that GM Financial gives customer service a high priority and is totally committed to achieving excellence.
Should you have any additional questions regarding this matter please feel free to contact Lease Customer Service at 800-369-5212.
Sincerely,
GM Financial

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and will forward the requested account number for further resolution.
Regards,
[redacted]

The reason I rejected because I found it ridiculous for them to ask from me the proof of clear account when they have all the access to check it from their finance department my account, why and why it should be from me , I don't understand, this is my money I'm fighting for, why it's so easy for them to take away my money & now they're giving me hard time. They are heartless. I'm just so mad because on vacation with no more cash is so frustrating. I don't think so they do understand my side.

February 16, 2017 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. Please be advised that we received a payment in the amount of $700.00 on February 15, 2017 that applied towards your January of 2017 base rent payment, and a partial for February of 2017 payment. As of the date of this letter, you have made 23 out of 39 monthly base rent payments and currently have a balance of $638.44 for your February of 2017 payment. Our records reflect that the June of 2015 payment was not received until July 8, 2015. We received two payments in February of 2016 that covered December 2015 and January 2016, however the account has been running past due. As previously advised, a copy of the Account Payment History will be mailed to you separately. If you have any questions or require additional assistance please contact GM Financial at [redacted]. Sincerely, GM Financial

March 6, 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 be advised, your GM Financial account ending in [redacted] has been corrected and reflects the payment made on January 8, 2018 in the amount of $356.00 and was applied towards your monthly base rent due for January 3, 2018. Your account is currently due for April 3, 2018.
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 Customer Service at ###-###-####.
Sincerely,
GM Financial

November 22, 2016
Re: Complaint ID: 11834015
      [redacted]
Dear Ms. [redacted],
Thank you for the correspondence sent to the Revdex.com. We have reviewed your concerns and would like to offer the following information.
Our records indicate that as...

of November 21, 2016 the lease account reflects paid off and closed.
Please be advised that a request was submitted on November 22, 2016 to update all three credit bureau reporting agencies and remove any derogatory marks that pertain to this GM Financial account. Please allow 30-45 days for this information to update and reflect accordingly. Please also 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.
Should you have any further questions regarding this matter, please contact Customer Service at [redacted].
Hours of Operation:
Monday through Thursday, 7:00 a.m. to 8:00 p.m. CT
Friday, 7:00 a.m. to 7:00 p.m. CT
Saturday, 7:00 a.m. to 4:00 p.m. CT
Sincerely,
GM Financial

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11518553, and have determined that this does not resolve my dispute.
Thank you for responding. My social security number is [redacted]. I'm not sure of the "date of inquiry" but my initial call with GM financial took place during the week ending may 13 thru may 20, which was my wedding day. My car was towed on June 2nd and I've spoken to approx 3 -4 different reps between June 2 - June 13th. I haven't heard anything from anyone since that time.  My contact number is ###-###-####. I made the complaint with the Revdex.com on June 23, 2016. Thank you and I hope to hear back from you soon. [redacted]