GM Financial

March 22, 2018
Re: Complaint ID: [redacted]        [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 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 provide the following information. Please also understand how much you pay over the life of this loan is entirely dependent on how you’ve paid the monthly installments. The Total Sale Price shown in the Truth-In-Lending Disclosures assumes that all payments will be made on the date they are due. A review of your account payment history indicates that quite a few payments were paid significantly late. Of the 69 payments made on the account 39 payments were made between 1 and 15 days past the due date. Over the life of the loan, at your request, 2 due date changes were applied to the account and the October 9, 2011 and December 9, 2011 installment due dates were deferred to the end of the loan, moving your maturity date from June 20, 2016 to September 15, 2016. Although you paid the payments prior to a late fee assessing or negative reporting to the credit bureau reporting agencies occurring, interest still continues to accrue daily on the unpaid portion of the amount financed (“principal”). As per your contract, GM Financial applies your installment payments in the following manner, first to the earned and unpaid finance charge (“interest”) and second to anything else you owe under the agreement. When you pay the installment payments late, defer payments, or change the due date of your account, less of the monthly payment received is applied towards your principal balance because of the additional earned and unpaid interest amount owed.  A copy of the payment history of your account reflecting the breakdown of each payment was mailed to your address of record on June 17, 2016. Please allow 7-10 business days to receive this information via regular mail. GM Financial’s position regarding the remaining balance of your account has not changed. Your payments have been applied accurately and in accordance with your contract. Please understand that GM Financial does not negotiate the payoff amount of an account. Should you have any further questions or require additional assistance, please contact GM Financial’s Customer Service department at ###-###-####. 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.
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]

November 15, 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 August 9, 2015, you...

entered into a Retail Installment Sale Contract (“Contract”) for the 2013 Ford Fusion in the amount of $18,931.00 at an interest rate of 14.90%. Within the agreement, you agreed to repay the loan in 72 monthly installments in the amount of $401.58 per month, beginning September 23, 2015.
On November 1, 2017, the decision was made to repossess the vehicle, as allowed by the contract. At this time the account was 69 days past due. Please be aware, numerous efforts were made to contact you regarding the status of your account. The Notice of Default, Right to Cure, and Intent to Repossess letter was mailed to your home address on September 6, 2017. 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 copy of the Contract and Payment History have been mailed to your address of record. Should you have any additional questions regarding this matter please contact GM Financial at [redacted].
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.
Please enter your reason(s) for rejecting the business response below. The response from GM Financial is dissatisfying and unnerving to say the least. I know that I was behind two months and as I stated I was contacted by a representative that discussed several options with me, one of them was a deferment that she stated I was eligible for. I told her that I was getting married and before I take a deferment I wanted to try to pay for the two months with my expected wedding gifts. GM FINANCIAL's rep TOLD ME to TAKE MY TIME. She NEVER told me that I had a certain date or amount of time. In fact she told me that I could wait until after my wedding and honeymoon and then call you guys......again with no date given. My wedding was already fully paid for and was unemployed (I lost my job in March and had to depend on my family to give me money until I could get a job or some means of additional income. So why would I outright deny a deferment.??? I certainly did NOT. We discussed it and I was given the option to wait until after the wedding. No one in their right mind would deny a way to keep their vehicle and risk having their vehicle repossessed. To add to that, she made erroneous notes on my file, she did not put any notes stating that she informed me of any dates and put in a "NOT TO CALL NOTE" in my file, which I was informed of AFTER my vehicle was told by a rep who was giving me the info on where my car was towed to. SO not only did you make a decision to repossess my vehicle but didn't even notify me of such all due to your rep. I find your response to be insulting and shows that you will risk customers and their livelihood before admitting any wrong doing on your behalf. Common sense would show that no one would purposely not make contact or any effort to keep their vehicle if they had the information that YOU stated. Your inability to see the miscommunication and error on your side that led to this repossession is disgusting. I get that your company needs to protect its interest but not at the expense of your customer. This would have all been avoided if that do not call note wasn't on my file. if I was informed I would still have my vehicle and GM Financial would not have to go through the paperwork involved with a repossession. Not to mention that a repossession doesn't look good from a financial business perspective on your end either.  It was an error that could have been avoided and the response that was given was not acceptable. I am still planning on seeing legal advice on the errors made by your rep because I'm sure putting an unauthorized note like that in my file without my knowledge or consent has some illegality to it especially since it resulted in a repossession that has a significant negative and long lasting effect on my credit. I feel horrible and I will never refer anyone to your business and I will tell anyone who asks how you take advantage of people who are struggling and make surprise attacks by repossessing their property with no prior notification. As I stated, I will contact an attorney at some point. 
Regards,
[redacted]

Thank you for the correspondence sent via the Revdex.com. I have reviewed your concerns and would like to provide the following information. The refund from Fairfax County has been received and is in the process of being refunded to your father’s estate. Please understand...

that the refund process generally takes 30-45 days to complete. However, an additional request has been submitted in an effort to expedite the refund request.  As we have received the appropriate probate documents indicating that you are the executor of your father’s estate, this refund will be mailed to your home address. Should you have any further questions or require additional assistance, please contact GM Financial Lease Servicing at ###-###-####. Sincerely,GM Financial

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

March 28, 2017
Re: Complaint ID: [redacted]
      [redacted]
Dear Ms. [redacted],
Thank you for the correspondence sent to the Revdex.com. After reviewing your account, we would like to off the following response.
Upon review of the information you have provided, we have concluded that your complaint is in regards to the Gap Insurance Company and not GM Financial.
Should you have any further questions or require additional assistance regarding your GM Financial account, please feel free to contact the Total Loss department at [redacted].
Sincerely,
GM Financial

Thank you for the correspondence sent via the Revdex.com. I have reviewed your concerns and would like to provide the following information.   GM Financial check number [redacted] in the amount of $590.20 has been cut this morning and a request has been submitted to have this refund sent to you by overnight delivery. If the overnight delivery request is not approved, the check will be mailed by regular mail via the USPS. Please allow up to 7-10 business days to receive.   Should you have any further questions, such as how the amount was arrived at, please contact the Lease Recovery Department at ###-###-####.   Sincerely, GM Financial

August 4, 2016
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 note that...

third party calls are made in an effort to ensure that we have a valid address and phone number if we are unable to reach our customer with the information they have provided.
Please be advised that your account has been updated and documented to ensure calls to all third parties will no longer be made. Please know that no harassment or inconvenience was intended.
Please be advised that GM Financial takes all complaints seriously and we appreciate you bringing this matter to our attention.
Should you have further questions or require any additional assistance, please feel free to contact me directly at the number listed below.
Sincerely,
GM Financial

I am accepting not in agreement but because I don't have time for this person's excuses. I have bigger issues to settle with [redacted] Chevrolet AND GENERAL MOTORS other than going back in forth with this person.

August 5, 2016
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

June 6, 2017
Re: Complaint ID: [redacted]
      [redacted]
Dear Ms. [redacted],
Thank you for the correspondence sent to the Revdex.com. We have reviewed your concerns and would like to provide the following information.
A review of your account...

indicates that you enrolled for the Automatic Payment Plan (“EFT”) and a recurring payment schedule via Western Union Speed Pay. As both of these payment options are consumer driven, initiated, and authorized, GM Financial is unable to stop or alter these payments. According to our records, the cancellation of the Automatic Payment Plan was initiated by you on May 23, 2017 and is to be effective for the June 20, 2017 payment. On May 30, 2017, GM Financial received a returned payment from your financial institution as “not authorized” by you, which caused the recurring payment schedule to cancel as well. Please be advised that GM Financial is unable to honor your request to provide an account credit as both payments were set up by you and do not represent any error by GM Financial. As of today, the account is current.
Should you have any further questions or require any additional assistance, please contact Lease Customer Service at [redacted].
Sincerely,
GM Financial

August 6, 2017
Re: Complaint ID: [redacted]
      [redacted]
Dear Mr. [redacted],
Thank you for the additional correspondence sent to the Revdex.com.
Please be advised that GM Financial will make the proper adjustments to your account as the payments are made. As previously advised, payments are applied to the principal if the account is paid ahead.
We apologize for any inconvenience you have experienced as a result of this situation. Please be assured that we value your business and hope that you choose to continue to be a loyal GM customer.
Included for your review is a copy of the Account Payment History. 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

August 17, 2016 Re: Complaint ID: [redacted] Dear Mr. [redacted], Thank you for the correspondence sent to the Revdex.com regarding your GM Financial account. I have reviewed your concerns and would like to provide the following information. At this time, the...

account is currently still under review. Please allow an additional 7-10 days to complete the research and issue a response.  Sincerely, GM Financial

Complaint: [redacted]
I am rejecting this response because: it was never 90 days past due based on the insurance payment being sent to you. 
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

My social is [redacted]

Please keep me posted on the results

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]