GM Financial

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10601768, and find that this resolution Acceptable.However,  I need a letter from GM Financial in their letterhead referring to my Loan number 444737597 With the information given updating the 3 major credit Bureaus,  Experian, Equifax and TransUnion to have the 30 day delinquency removed that was reported in January 2015.Time is of the essence and waiting 30 to 45 Days affects me financially. I must provide this letter to my financial institution now.The letter can be fax to my fax number 925 246-9356 and mail to my mailing address; PO Box 485 Clayton CA 94517and email to my email address [email protected] also hereby grant GM financial permission to communicated with the 3 credit bureaus  Experian, Equifax and TransUnion, In the event they call GM to verify the information on the letter.  ** This must be noted on my account **I appreciate the time and work put on this of the Revdex.com and GM Financial  to find a satisfactory resolution.Your prompt response is highly appreciated.

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...

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: 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]

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]

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 your application for credit is currently pending. Please understand that GM Financial is an indirect lender and all...

loan/lease approvals are done at the dealership. You will need to contact the dealership for assistance in regards to this matter.
GM Financial denies all allegations regarding attempts to access your bank account. GM Financial has only cashed payments received by mail sent to GM Financial by yourself or through your bank bill pay service for your prior account.
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

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

June 12, 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 outlined in the lease agreement...

(See Page 2, under Registration, Parking Tickets and Taxes), you must pay all parking tickets, traffic fines, and taxes relating to the Vehicle. If you do not pay such tickets and fines, we have the right to do so for you, and you will pay us upon demand. Based on a review, your account reflects that GM Financial remitted a check on December 29, 2016 for Toll Bill Number [redacted] in the amount of $5.00. If you have paid this toll directly, please provide a copy of the receipt as proof of payment to GM Financial at fax number [redacted].
Toll invoices are generally sent to you by the toll authority and may also be sent to GM Financial. Any invoices received by GM Financial are forwarded to you. When a secondary notice is received from the toll authority advising the toll charges are unpaid, GM Financial will pay them and bill them to you through your lease account. It is your responsibility to pay any tolls relating to the leased vehicle in a timely manner.
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

My social is [redacted]

September 2, 2016
Re: Complaint ID: 11689418
      Michael Derrick [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.
Late fees are...

assessed when a payment is not received within 10 days of the date it is due. Our records reflect that there no late charges assessed on the account at the time. Included are copies of the property tax bill for your account.
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 ###-###-####.
Sincerely,
GM Financial

Complaint: [redacted]
I am rejecting this response because: I AM REQUESTING FULL REFUND OF $679.40 & TITLE SINCE I PAID IN FULL. HERE IS MY ACCOUNT NUMBER WITH GM FINANCIAL  [redacted]
Regards,
[redacted]

Thank you for the additional correspondence sent to the Revdex.com.  A review of your concerns has been completed and GM Financial would like to offer you the following information. On June 6, 2015, you signed a lease agreement for a 2015 Chevrolet Cruze. Within the...

agreement, you agreed to a 24 month lease term with a monthly payment in the amount of $278.82 per month, due on the 6th day of each month. Barring any changes to the Statement of Account, our records reflect that your lease is currently paid through the lease maturity date of June 6, 2017. The lease account will continue to be reported to the credit bureau reporting agencies as open and current until the lease turn in. Please understand that you are still liable for the end of term liabilities reflected on the back of your contract. Included for your review are copies of your Closed End Motor Vehicle Lease and Statement of Account. Should you have any further questions or require additional assistance, please feel free to contact Customer Service at ###-###-####. Sincerely,GM Financial

Complaint: [redacted]
I am rejecting this response because:The issue was not resolved. The complaint is due to the business never stating their name on any phone calls or voicemail messages left. You cannot call someone and leave a voicemail with only a persons name and ask for a call back the business needs to state their name or else I just assume it is a strange random person calling whom I do not know. Also the business stated they mailed a letter before repossession but no such letter was ever received. I had no prior knowledge the car would be repossessed. On the day it was repossessed I thought the car to be stolen because no notification was given. Again, a company must leave their name on a voicemail for someone to know who is calling. And no such letter that GM states they mailed out was received to the mailing address on file or we would not have been in the situation. If I had received the letter or received a voicemail stating it was from GM financial matters would have been handled and paid and would not had led to the car being repossessed. 
Regards,
[redacted]

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.
Please enter your reason(s) for rejecting the business response below.I now understand that GM Financial cannot stop the [redacted] process. However, I was told by your company that they could stop it with a promise to pay. When a customer is told by a representative of a company that a procedure can be done, they believe them. It became truth because your employee told me that is how your company works. She said it as though it was a standard operating procedure. I understand that I agreed to have the money taken out by [redacted], however, your employee told me that by her entering information into your system, it would stop the process. Your company lied to me. This caused me unnecessary harm in the form of overdraft fees. She said that what she entered into the system would stop [redacted] from running the payment again. This is about me trusting your company and your trained representatives. You are avoiding the fact that your employee flat out lied to me, putting me in a position where I couldn't protect myself due to an untruth. I could have borrowed money to cover it if I was told that it would run again regardless. But that isn't what I was told. I was told that my bank account wouldn't be touched again. This gave me a false sense of security given by your company.Your company caused me unnecessary overdraft fees. Your customer service representatives lie, mock, and insult your customers and instead of making it right you continue to show me that my business isn't important. You say that you take your customer service seriously, yet you continue to inform me that what happened to me is acceptable and okay. This situation shouldn't happen to customers. If a customer is harmed by something a company does, and that company cares, the company makes it right. I trusted that your employees knew what they were talking about, I trusted that the information I was given was accurate. And now I have been put in a situation where your company lied and you are standing by that lie. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11300660, and have determined that this does not resolve my dispute. I wanted it to be on records as you continually harass us with phone calls that you have offered no help and charge us $189 for a late fee multiple times. This is not resolved as you have done nothing except send me information that I asked for many times outside of the Revdex.com but they suddenly show up through the Revdex.com. So sad that you offer no help to people.

Complaint: [redacted]
I am rejecting this response because:GM Financial is still ignoring the majority of my concerns and just parroting back their poor policy on a singular facet of the complaint. I don't "feel" there was poor service, there was, numerous times. It is not hard to find systems that do not take people's money when it's not owed and that allow choice in due date, and it is even simpler to INFORM your customers that you do NOT have these systems. The people working in customer service have no knowledge of how their own system works and make no attempt to inform customers if they do know. You can repeatedly call and ask reps a question and get entirely different answers from each rep. I've worked in customer service and billing since I was in High School - none of this is a lot to ask and none of this is difficult. It's worrisome to me that GM is entrusting this company with their lease loans and their name when the company can't even acknowledge mistakes and shortcomings in their training procedures or systems. The fact of the matter is I have hit billing issue after issue due to employees giving bad advice when I call with questions. I do this for a living - if staff tells me how to set something up correctly, I can do it without issue. This is the concern.
Regards,
[redacted]

March 20, 2018
Re: Complaint ID: [redacted]
      Maryetta Crum
Dear Ms. Crum,
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 3038 has been corrected and reflects the next payment due date is 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 ###-###-####.
Sincerely,
GM Financial

Complaint: [redacted]
I am rejecting this response because: Just because it's "legal" doesn't make it right. Please know that I have advised everyone I know to advise everyone they know to never do business with your company, as you have no moral compass and do not value your customers.
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.
On May 28, 2014, you signed a retail installment sales contract for a 2014 Chevrolet Cruze in the amount of $23,708.32 at an interest rate of...

9.90%. Within the agreement, you agreed to repay the loan in 72 monthly installments in the amount of $439.80 per month, beginning July 12, 2014.
A review of your account reflects that several arrangements were promised on your account; however, these arrangements were not satisfied. On May 13, 2016, the decision was made to place the vehicle out for repossession, as allowed by your contract. At this time the account was 61 days past due. Please note GM Financial places a high priority on adhering to all state and federal laws and a thorough review of your account has been conducted. Based on the review of our internal policies and procedures, GM Financial believes that all state and federal laws have been adhered to. Please be advised the state of Illinois does not require a cure period or notice of repossession be mailed prior to repossession unless there is a co-buyer.
A Further review of your account reflects that you have elected to reinstate the vehicle. All messages left for the reinstatement department will be returned in the order they are received. Please direct any questions regarding retrieving your personal property to Equitable-Calumet Park at ###-###-####.
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. Should you have any further questions or require additional assistance regarding this matter, please contact GM Financial directly at ###-###-####.
Sincerely,
GM Financial