GM Financial

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information Our records reflect that a payment in the amount of $was received on March 3, We received another payment on March 4, in the amount of $130.00, and an additional payment on March 5, in the amount of $72.50, for a total of $All payments applied to the accrued interest balance and principal balanceLate fees in the amount of $have been assessing throughout the life of the loan and have not been paid, please see payment historyYour online account was unlocked as you requested, please be advised you will need to check your email as well as your spam email for notifications Included for your review are copies of the complete account payment history of your accountShould you have any further questions or require additional assistance, please feel free to contact Customer Service at ###-###-#### Sincerely, GM Financial

June 29, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] Dear Ms [redacted] , Thank you for the correspondence sent to the Revdex.comAt this time, GM Financial is currently reviewing your accountA full response will be issued once the review has been completed Sincerely, GM Financial

October 17, RE: Complaint ID: [redacted] [redacted] Thank you for forwarding the correspondence sent to the Revdex.comWe have reviewed your concerns and would like to offer you the following information Our records indicate that GM Financial was advised you have retained an attorneyPlease note if you are represented by an attorney, we are unable to communicate with you further as all communications must be directed through your attorney pursuant to Federal law If you are represented by an attorney with respect to your GM Financial account, please have your attorney fax or mail in a letter of representation that includes his or her contact information to: GM Financial Attn: Legal Department [redacted] Fax: [redacted] Sincerely, GM Financial Tell us why here

March 17, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] Dear Mr [redacted] , Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information Enclosed is a copy of the Retail Installment Contract (“Contract”), a copy of the credit applicationThese documents are sufficient to validate your obligation for this account and all the information that has been sent to any credit agencyWe have also included 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 agenciesOur research concludes that the account status and account payment history have been reported to the credit agencies with accuracyAs 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 FinancialEnclosed, please find 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 Should you have any additional facts relevant to the investigation regarding identity theft, please fax the information in to [redacted] , mail documents to the address below If you have any further questions or require additional assistance, please feel free to contact GM Financial at [redacted] GM Financial [redacted] Sincerely, GM Financial

December 14, Re: Complaint ID: [redacted] [redacted] Dear Mr [redacted] , Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information As outlined in your lease agreement, 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 paymentIncluded are copies of the property tax bills for your account We apologize for the poor level of service you feel you have receivedPlease be assured that GM Financial gives customer service a high priority and is totally committed to achieving excellenceWe 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

Complaint: [redacted] I am rejecting this response because: Account number: [redacted]

? September 6, 2017? RE:? Complaint ID:? [redacted] ? ? ? ? ? ? ? [redacted] ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? Dear Ms [redacted] :Thank you for forwarding the correspondence sent to the Better Business BureauWe have reviewed your concerns and would like to offer you the following informationOn October 11, 2010, you signed a retail installment sales contract for the Mercedes Ein the amount of $28,at an interest rate of 14.25%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning November 10, The contract is a simple interest contract which means interest accrues daily on the unpaid principal balanceIn review of the account activity and payment history, more of your monthly payments were applied to accrued interest due to payments being made after the scheduled due dateIf all payments are paid by the due date, the account would have been paid in full on the contract maturity datePlease note that GM Financial places a high priority on adhering to all state and federal lawsThe state of Florida does not require cure notices to be sent prior to submitting the account for repossessionOn June 1, 2017, the decision was made to place the vehicle out for repossession, as the account balance became due on May 1, 2017, was not paid in full and as allowed by your contract.? As per your contract, upon default, GM Financial may require you to immediately pay the remaining unpaid balance of the amount financed, credit service charges and all other agreed chargesThe “Notice of Our Plan to Sell Property” also explained that you would be required to pay the difference between the amount you owe and what the vehicle sold for, plus expensesThe “Deficiency Calculation” letter which outlines the calculations of the deficiency amount was mailed to your address of record on June 6, to inform you of the remaining balance owed after the sale of the vehicle at auction? Copies of your contract and account payment history where mailed for your reference to the home addressShould you have any further questions or require additional assistance regarding your GM Financial account, please feel free to contact GM Financial directly at [redacted] ? Sincerely,? GM Financial

January 16, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] Dear Ms [redacted] , Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information Please be advised GM Financial is required to verify customer account information for each call to prevent third party disclosure and to ensure the protection of sensitive informationGM Financial will always request your GM Financial account number and/or your social security number as an alternate method if the account number is not provided or availablePlease note that all information requested for account verification is the information associated with your GM Financial account and was provided by you at the time of account origination Our records reflect that you spoke with a representative on January 12, and the account notes were updated to reflect your intentions on the late fee payment of $We appreciate your patiencePlease 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 with regard to this matter, please contact GM Financial at (800) 284- Sincerely, GM Financial

Complaint: [redacted] I am rejecting this response because: I am already aware of everything you responded withYour response didnt even touch on most of my stated issuesIf I make a payment May 5th, you should not take more money on the 22nd without letting me knowCustomers should be advised against paying if you know that procedure is to take money regardlessCustomers should be advised they cannot choose due datesIf a service rep is going to cancel anything on the account, they should advise the customer, not go ahead without permissionI received poor service a series of times throughout my less than years with my lease, not just onceThat should be addressed betterNot to mention that I already learned your refund process - days by mail! A month to retrieve money that you took despite me owing nothingAnd I have to provide documentation even though you're aware it happened without a doubtRidiculous excuse for customer service Regards, [redacted]

October 20, RE: Complaint ID: [redacted] ? ? ? ? ? ? [redacted] Dear Mr [redacted] , Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information Our records reflect that check number [redacted] received on September 11, 2017, in the amount of $28,was cashed by GM Financial and then was returned as “Refer to Maker” on September 19, Please be advised you will need to contact your financial institution in regard to this matter Should you have any further questions or require additional assistance with regard to this matter, please contact Customer Service at (800) 284- Sincerely, GM Financial

March 5, RE: Complaint ID: [redacted] ? ? ? ? ? [redacted] Dear Ms***, Thank you for the correspondence sent to the Revdex.comI would like an opportunity to address your concerns, however additional information is requiredAt your earliest convenience, please forward me your social security number and or account numberUpon receipt of this information I will research this matter Sincerely, GM Financial

May 3, Re: Complaint ID: [redacted] [redacted] Dear Mr [redacted] , Thank you for the correspondence sent to the Revdex.comI would like an opportunity to address your concerns, however additional information is requiredAt your earliest convenience, please forward me your full GM Financial account number or social security numberUpon receipt of this information I will research this matter Sincerely,GM Financial

March 2, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] Dear Ms [redacted] , Thank you for the correspondence sent to the Revdex.comI 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, in the amount of $and was applied towards your monthly payment due for January 1, Your account is currently due for March 1, As of the date of this letter, GM Financial determined there are no credit marks or late fees on the account We apologize for any inconvenience this situation may have causedShould you have any further questions or require additional assistance with regard to this matter, please contact Customer Service directly at ###-###-#### Sincerely, GM Financial

April 5, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] Dear Ms [redacted] ? Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information Our records reflect GM Financial has not reported the account as a repossessionAn update was submitted to the credit reporting agencies on April 2, to reflect the current status of your accountPlease allow the credit bureau reporting agencies 30-days to reflect these updatesPlease 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 or require additional assistance in regards to this matter please contact GM Financial at ###-###-#### Sincerely, GM Financial

October 26, Re: Complaint ID: [redacted] Lorraine [redacted] Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information Please be advised in an effort to resolve this matter GM Financial has waived the remaining balance in the amount of $as a courtesy Should you have any further questions or require additional assistance regarding this matter, please contact GM Financials Lease Servicing Department at ###-###-#### Sincerely, GM Financial

Complaint: [redacted] I am rejecting this response because: The response from the company does not address my complaint - the fact that the finance company did not acknowledge the information/misinformation provided to me with each attempt I made to resolve my financial hardships and inability to pay in accordance with the contract signed When I made the last payment in the amount of $on 8/29/the payment was accepted and I was led to believe the company would continue to work with me to keep my vehicle The fact that I was unable to speak with the company every day that they called - harassed during work hours every day - was explained the several times when I was finally able to answer and speak with the GM rep The fact that there was an outstanding insurance claim was passed to every GM rep beginning with the voice mail message I left on the morning of 9/30/through to the person I spoke with through November GM willfully decided to not file the clai [redacted] My complaint is that GM Financial did not provide fair business practices and willfully deceived me and my ability to file the insurance clai [redacted] I likewise kept in communication with Geico agents to advise that someone from GM Financial would contact the [redacted] If GM had contacted Geico as I advised, this matter would be closed and GM Financial would have the funds owed to them and significantly more than $7,- the amount reportedly earned from the sale of the vehicle Please address why the insurance claim was not filed, the lack of professional behavior of each GM rep, and the willful deceit in handling this matter [redacted]

March 24, Re: Complaint ID: [redacted] Ronald [redacted] Dear Mr [redacted] , Thank you for the correspondence sent to the Revdex.comI 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 Cadillac ATS with Silver Star Motor CompanyWithin the agreement, you agreed to a month lease term with a payment of $per monthGM 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 partiesThe contract was subsequently assigned to GM Financial I have included a copy of your contract for your reviewShould you have any further questions or require additional assistance, please feel free to contact GM Financial at [redacted] Sincerely, GM Financial

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information GM Financial received two applications from [redacted] Chevrolet, one on September 3, and September 4, GM Financial is unable to remove the inquiries dated September 3, and September 4, submitted on your behalf at [redacted] Chevrolet as the inquiries resulted in the establishment of a vehicle lease with GM Financial Should you have any further questions or require additional assistance, please feel free to contact GM Financial at 1(800)369- Sincerely, GM Financial

? Thank you for forwarding the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information.? Please understand that your refund is set to be released days from the date the November 6, payment was receivedIn order for GM Financial to release a refund early, copies of proof of cleared funds for the payoff and any payment made within the last days are requiredAcceptable forms of proof of cleared funds are a front and back copy of the cashed check(s) or a bank statement with a running balance reflecting the payment(s) to GM Financial has been paidGM Financial is unable to accept a bank statement as proof of cleared funds if the item in question is reflected as “pending”.? As of today’s date, GM Financial has not received proof of cleared funds for the payoff of your accountIf proof of cleared funds for the payoff of your account is not received, the refund in the amount of $is scheduled to be released on December 1, Please allow 7-business days from this date to receive the refund via regular mail.? Should you have any further questions, please feel free to contact Customer Service at 1(800)284-2271.? Sincerely,GM Financial

May 14, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] K [redacted] Dear Ms [redacted] , Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information Upon review of the account, our records indicate that you spoke with a representative on February 14, and set up a postdated check in the amount of $for February 27, An additional payment was submitted using a mobile device on February 22, in the amount of $The payment method used for this payment is completely consumer driven, initiated, and authorized Our records reflect a check in the amount of $was mailed to the address of record on May 2, and has been reconciled We apologize for the poor level of service you feel you have receivedGM Financial takes all complaints seriously and we appreciate you bringing this matter to our attentionPlease 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 please contact GM Financial at ###-###-#### Sincerely, GM Financial