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 not changed its position regarding this matter.Should you have any further questions or require additional assistance, please feel free to contact GM Financial’s Bankruptcy Department 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.
Please be advised a copy of the update submitted to the credit agencies has been sent to your address of record. 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 or require additional assistance with regard to this matter, please contact GM Financials Lease Customer Service at ###-###-####.
Sincerely,
GM Financial

September 6, 2016
Re: Complaint ID: 1[redacted]       Mauri [redacted]
Dear Ms. [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

February 13, 2018
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 social security number and or account 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

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

Complaint: [redacted]
I am rejecting this response because: in the reply from GM they stated and I quote "
Regards,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"....... I then request that GM notify the billing department that my account is up to date and the balance is 10,700. GM billing collectors keep calling and telling me that I owe my January 2017 payment when on my credit report from EXPERIAN it clearly is marked as paid. I also request GM to adjust my balance to match that balance on which the accurate credit report states. The GM bill collectors state my balance ic much much higher. In the reply from GM they clearly stated the credit reports are accurate in account status and payment. If this is true they need to contact their billing department and get this fixed asap. Because GM is now voilating the FCRA by calling me everyday for a payment that has already been paid.   And as far as GM not responsible for redit appprovals, I can show you a whole handful of denials from GM. All the dealership does is take a persons information and then pass it along to GM for a deny/appoval. The dealership does not make the approval decision as stated. False. Direct or indirect GM FINANCIAL has any and all say when it comes to financing through them. Who ever wrote their reply was very misinformed. That staement was not thought out very well.
[redacted]

Please keep me posted on the results

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]

this is not acceptable.  Our rights were violated during this process and the fees are beyond excessive. there are so many complaints and many are talking about a class action law suit regarding this company.   When the car was taken we paid within 30 minutes and GM was supposed to be open till 8pm we were put on hold at 7:42 and then the disconnected at 7:58.   The answering machine was picking up when we called back 7:58.the way this was handled was so messed up.   I have everything recorded due to the fact allstate my insurance company was on the line with me trying to verify coverage since you couldn't find the 2 faxes they had sent. we want a refund and have already had an attorney say we should just one, but the Revdex.com needs to step in and help protect us from companies.
Regards,
[redacted]

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]

November 10, 2016
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.
Our records reflect that...

the power of attorney was faxed to you at [redacted] on November 1, 2016 as per your request. Please be advised that a refund has been requested and is being processed. A check in the amount of $60.00 will be sent via regular mail to the address of record in the next few days.
Should you have any additional questions regarding this matter please feel free to contact Lease Customer Service at [redacted].
Sincerely,
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

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

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 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

September 8, 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 note a refund in the amount of $1971.15 was...

issued today, September 8, 2017, via FedEx. For your reference the tracking number is [redacted].
We apologize for any inconvenience this situation may have caused. 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 feel free to contact GM Financial directly 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 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

Thank you for the additional correspondence sent to the Revdex.com. I have reviewed your concerns and would like to provide the following information. Our position regarding this matter has not changed. 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 agencies with accuracy; and as a result, we are unable to make any changes or deletions to the credit bureau reporting of your account. Should you have any further questions or require additional assistance, please feel free to contact GM Financial at 1(800)369-5212. Sincerely, GM Financial