GM Financial

Thank you for forwarding the additional correspondence sent to the Revdex.com. I have reviewed your concerns and would like to offer the following information.GM Financial has not changed its position regarding this matter and maintains that these funds were reversed back to your financial institution on January 19, 2016. Per Bluebird, these funds should have been credited back to your account in approximately eight business days from that date. The statement you continue to provide to GM Financial does not cover this timeframe. As we have previously explained to you, if these funds have not been credited back to your account you will need to dispute the missing funds through Bluebird. GM Financial cannot apply funds to your account it does not have. Should you have any further questions or require additional assistance, please contact Customer Service at ###-###-####.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

December 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 provide the following information.
Please note on October 30, 2015, you signed a Retail...

Installment Sale Contract for a 2016 Chevrolet Cruze in the amount of $17,397.00 at an interest rate of 5.90%. Within the agreement, you agreed to repay the loan in 72 monthly installments in the amount of $288.20 per month, beginning December 14, 2015.
On December 14, 2017, the decision was made to place the vehicle out for repossession, as allowed by your contract. At this time the account was 60 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.
A repossession fee is charged every time a vehicle is picked up, along with any other additional fees. 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.
Included for your review is a copy of the Contract. Should you have any further questions or require additional assistance, please contact GM Financial at [redacted].
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

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

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 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

Complaint: [redacted]
I am rejecting this response because: i do not see how paying 3/4 of the loan after one year still requires payments monthly. Especially when vehicle has been totaled out. Again I will not be happy until my creeit report is fixed. This is not fair to the customer who did everything to resolve the loan. If credit report is not corrected I will continue to protest fees due. 
Regards,
[redacted]

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 have determined that this does not resolve my dispute.As previously stated, the double payment is a separate issue so I won't be commenting on it.As pointed out on the original complaint I email the request to initiate the transfer on 6/30/16. Diana, the back office manager, failed to send the Assumption Authorization Form and Credit Application until nearly two weeks later (on 7/12/16). This is not only outside of the 72 hour guideline per GM Financial but also after numerous complaints to your reps and manager Victoria H[redacted]...all of whom admitted that GM Financial made mistakes in my case. Therefore, I'm unclear on how you would be able to categorize this as being handled in a "timely" fashion. Because of all of the mistakes and delays, Ms. H[redacted] put my case as her top priority and admitted that it was now a "special circumstance" case. She also promised to work directly with Diana for the remainder of the transfer process. If my case was standard, GM Financial management would not have intervened to this degree.Now comes the start of the second set of delays. On 7/12/16, after the assuming party and I submitted the above-mentioned documents, GM Financial fails to get a response back from the credit report agency until nearly a week later (on 7/18/16) because they had again delayed on the paperwork...this time in submitting to the 3rd party agency. Again, this is outside of the promised 72 hour window.In short, if these two delays had not occurred (i.e. if GM Financial didn't make these mistakes) then the transfer of the vehicle would have completed BEFORE the $169.69 payment on 7/29/16. Since the actions of GM Financial is directly responsible for extending the transfer process and triggering the payment, I shouldn't be penalized for it. Please check these facts against the notes on my account again should you need to verify my claims. In short, I'd like to extend you one final opportunity to reverse the $169.69 charge. In doing so, I will mark this complaint as settle and won't escalate this issue further to GM corporate. Thank you for your consideration. I trust that you'll find this a fair resolution under these circumstances.
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]

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

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 review of your account payment history reflects that the accumulated late fee balance at the time of repossession was $412.91. Our...

records reflect that you paid the reinstatement cost on April 4, 2016; however, the funds were not reapplied to include the cost of repossession until April 6, 2016, after the post repossession noticed had been mailed. We have confirmed that the reinstatement funds have been applied appropriately and no adjustments are needed to your account payment history. Further review of your account reflects this information was verbally communicated to you by a representative on April 11, 2016.
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.
Please note a copy of your account payment history is being mailed to your address of record. Should you have any additional questions regarding this matter, please feel free to contact GM Financial directly at ###-###-####.
Sincerely,
GM Financial

Complaint: [redacted]
I am rejecting this response because: if I do not owe the additional 12.41why am I getting an invoice from you that says due 12.41 with a due date??
Regards,
[redacted]

August 23, 2017   RE:  Complaint ID:  [redacted]         [redacted]                           Dear Mrs. [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 Tell us why here...

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.

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:

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

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

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