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 understand what they are responding as that is the same response I received when I contacted them on my own over the line prior to submitting my complaint. However, I am trying to let them know something is wrong because I did NOT authorized the 2nd payment. I authorized the payment that was scheduled on the 26th of Sept to be debited on Oct 16 (my due date). Their response dies not make sense because they are claiming I schedule the payment for the 16th on the 26th of Sept (which is accurate) and that on the 10th of Oct I requested a same day payment (which I did not). What they are claiming does not even match up with my bank statement . I have a debit on the 16th of Oct (which again is correct) and another one for the 20 of October . I do not have one for the 10 th because I never authorized one for another other date aside from the authorization on the 26th of Sept for the 16th of Oct . 
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because: For the record, I signed up for automatic payments on 5/10/17 which was confirmed on 5/16/17 with a letter that states the first payment will come out on 7/3/17. I can provide you with that letter if you can't find it. If you would, please check your phone record, I called GM financial to set these payments up, and followed your customer service representatives instructions so that all payments would be made on-time. Also, I attached the emails from GM financial that recognize, GM financial did have issues with their billing system, which I have resolved by spending hours of my time on the phone with your representatives. At this time no further action regarding this complaint is needed. You will be notified if another issue arises. 
Regards,
[redacted]

October 3, 2017   RE:  Complaint ID: [redacted]          [redacted]                           Dear Mrs. [redacted], Thank you for forwarding the additional correspondence. We have reviewed your concerns and would like to offer you the following information. On March 5, 2016, you signed a Motor Vehicle Retail Installment Sales Contract (“Contract”) for the purchase of a 2016 Ford F150 in the amount of $37, 558.35 at an interest rate of 11.25%. Within the agreement, you agreed to repay the loan in 72 monthly installments in the amount of $723.08 per month, beginning on April 19, 2016.   As per your Contract, on Page 2 Section F, it states: PHYSICAL DAMAGE INSURANCE PROCEEDS. You must use physical damage insurance proceeds to repair the vehicle, unless we agree otherwise in writing. However, if the vehicle is a total loss, you must use the insurance proceeds to pay what you owe us. You agree that we can use any proceeds from insurance to repair the vehicle, or we may reduce what you owe under this contract. If we apply insurance proceeds to the amount you owe, they will be applied to your payment sin the reverse order of when they are due. If your insurance on the vehicle or credit insurance doesn’t pay all you owe, you must pay what is still owed. Once all amounts owed under this contact are paid, any remaining proceeds will be paid to you.   Please note that our system of record indicates that on December 28, 2016, your vehicle was deemed a total loss. A letter was mailed to on January 16, 2017, which explained to you that during the total loss process you were responsible for keeping the account current otherwise, your account would report to the credit bureau agencies. This letter also explained that you would be responsible for paying any difference owed per your Contract. GM Financial received insurance proceeds in the amount of $34,478.94 on February 1, 2017, which was less than the full balance owed. The remaining balance was not paid off until February 27, 2017.   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 at this time.   A payment history and a copy of your contract was mailed to you for review.   If you have any further questions or require additional assistance, please feel free to contact GM Financial at 1([redacted].   Sincerely, GM Financial Tell us why here...

May 3, 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

October 26, 2016
Re: Complaint ID: [redacted]
      Lorraine [redacted]
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 in an effort to resolve this matter GM Financial has waived the remaining balance in the amount of $171.20 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: I would like to see proof of that GM Financial sent the required letters to my address of record. Also, I would like to know the exact address they "sent" the required notices to. They did not state what address it was sent to. If they did not send it to an adress I authorized communication from or the original address on file. Then they did not fulfill their duties and they're collection activities are illegal. Please also provide proof that I authorized any adress changes. Please also note: if this matter isn't handled correctly and legally within the next 5 days. I will take legal action against GM Financial. I am an attorney and I have researched the law very carefully on this matter and GM Financial is in violation of the law.  Please se take this matter seriously. 
Regards,
[redacted]

February 15, 2018
Re: Complaint ID: [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 stated in your contract (See Page 2, under...

Standards for Wear and Use), you may be charged for excess wear and use at the end of the scheduled Lease term. The vehicle will not have road damage, chips, scratches, cracks or damage to the glass, body, bumpers, frame or interior. It also states the vehicle must be returned with four matching tires of equal quality to the originals, and when the unit is returned each vehicle tire must have not less than 1/8 inch of tread remaining at its shallowest point.
A review of your contract reflects that an Excess Wear and Tear policy was purchased at the time of the lease origination. As a result, GM Financial has requested an expedited claim from the Excess Wear and Tear coverage provider. You will not be responsible for the remaining balance wear and tear balance. GM Financial will contact you directly once the process is completed.
We would like to apologize for any inconvenience you have experienced as a result of this situation. If you have any further questions or are in need of additional assistance regarding this matter, please contact GM Financial at 1-[redacted].
Sincerely,
GM Financial

January 31, 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.
In regards to the...

two payments in question, both were set up via your online MyAccount profile using Western Union SpeedPay. On December 18, 2016 you set up a one-time payment in the amount of $402.05, the confirmation number provided to you for this online transaction was [redacted]. On December 21, 2016, a recurring payment in the amount of $402.05 was set up, the confirmation number provided to you for this online transaction was [redacted].
Please be advised that a payment overage refund in the amount of $402.05 was sent to your address on January 30, 2017 via FedEx overnight, tracking number [redacted].
I would like to apologize for the poor level of service you feel that you have received as well as any inconvenience you have experienced. 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, please feel free to contact GM Financial Customer Service at 1-[redacted].
Sincerely,
GM Financial

The reasons I was paying after due due date was because my payday was after the due date and because every time I called or answered your courtesy calls about my payment before 2014 I was told "well, its not actually late until so in so date" And as long as you promise to pay before this date we wont charge a late fee and we wont ding your credit.  Not one time before 2014 was I ever advised or notified that this interest was being added every day I payed after the due date.  You deceived me by telling me its fine as long as I got that payment in before the grace period. And of course you tell people that, you want them to make arrangements to pay after the due date. YOU MAKE MORE MONEY THAT WAY!! I believe you withheld that information on purpose, you know most average customers like myself don't know about these daily interest charges, most are concerned with keeping their credit in good standings and having no late charges like myself. To me being told " Its really not late till this date means its really not late. And the reason I had to defer 2 payments and have my due date changed was due to changing jobs and I did everything in my power to work with GM Financial to make sure my loan got payed during my transition.  Finally in early 2014 one of your officers with a heart contacted me and asked if I was aware that I had interest charges accruing and worked out a payment plan where I made several increased amount payments until I was ahead to the point of paying before my due date. From that point forward EVERY payment was made approx 2 weeks early. The whole second half of the loan. Had I known about your daily interest accrual prior to this I would have done the same from the beginning. But I believe you withheld that information intentionally and have probably done that with many other customers. Why else would you have a department created and devoted to working with customers to make arrangements to pay off these unknown interest charges that were screwed out of them the same way.  I think they call this deceitful practice Loan Sharking. I believe a judge would see it the same way...

February 8, 2017
Re: Complaint ID: 11972485
      [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.
We apologize for any...

inconvenience this matter may have caused. Please be assured that GM Financial gives customer service a high priority and is totally committed to achieving excellence.
Our records indicate that on December 26, 2016 a payoff amount of $33,459.81 good through January 5, 2017 was quoted to you by our automatic system. The amount paid to GM Financial was the amount needed to pay off the loan and as a result we are unable to provide any type of refund.
Should you have further questions or require any additional assistance, please contact us at
[redacted].
Sincerely,
GM Financial

Complaint: [redacted]
I am rejecting this response because: After numerous correspondence you have not answered my questions and after 5/6 hours on hold I know you do not answer your phone. Either the Revdex.com or you need to escalate this or perhaps the media or FL Attorney General can get my 3 SIMPLE QUESTIONS ANSWERED. 
 Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because: I have not received the title.The proof of funds has been sent 4 times to multiple people.GM Financial is responsible for my financial burden caused by 3 week (and counting) delay in title release (can be proven).The poor service from GM Finanical is not a FEELING I have. It's a FACT and can be proven by MULTIPLE (>10) recorded phone conversations, emails and online chat logs on the GMFinancial Website. 
 
[redacted]

February 10, 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 April 15, 2013, you entered into a Retail Installment Sale Contract (“Contract”) with Pruitt Ford for the 2008 Ford Edge in the amount of $16,388.33 at an interest rate of 13.60%. Within the agreement, he agreed to repay the loan in 72 monthly installments in the amount of $334.19 per month, beginning May 15, 2013. On December 08, 2016, the decision was made to repossess the vehicle, as allowed by the contract. At this time the account was 67 days past due. Please be aware, numerous efforts were made to contact you regarding the status of his account. 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. Included for your review is a copy of the Contract and 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

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

September 30, 2015 Re: Complaint ID: [redacted] Dear Mr[redacted] Thank you for the correspondence sent to the Revdex.com. I have reviewed your concerns and would like to provide the following information. On February 9, 2015, you signed a Retail Installment...

Contract and Security Agreement (“Contract”) for a 2012 Chevrolet Traverse in the amount of $20,899.00 at an interest rate of 23.65%. Within the agreement, you agreed to repay the loan in 72 monthly installments in the amount of $551.15 per month, beginning on March 26, 2015. The contract is a simple interest contract which means interest accrues daily on the unpaid principal balance. If all payments are paid by the due date, the account will be paid in full on the contract maturity date.   Please note that GM Financial places a high priority on adhering to all state and federal laws. The state of Montana does not require a cure period or notice of repossession be mailed prior to repossession. On September 15, 2015, the decision was made to place the vehicle out for repossession, as allowed by your contract. At this time the account was 81 days past due for the fourth installment payment of this contract. 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.  On September 18, 2015, you were quoted a reinstatement fee of $2,003.45. This amount included the past due installments of June 26, 2015, July 26, 2015 and August 26, 2015; as well as the cost of the repossession.  When you called in on September 22, 2015, your next installment payment was also included in the reinstatement fee, as this payment became due during the same week. The account must be paid current in order to reinstate the vehicle. Payment of reinstatement fees must be paid by certified funds like MoneyGram or Western Union Quick Collect. The reinstatement questionnaire is part of the reinstatement process and does not include an additional credit check as an application for credit would. This questionnaire is used solely to obtain and update current information; and must also be completed prior to the conclusion of the reinstatement process. Our records reflect that the reinstatement process was completed and the release was sent to the Repossession Agent on September 22, 2015. Included for your records is a copy of your contract. Should you have any further questions or require additional assistance, please feel free to contact GM Financial at 1(800)284-2271. Sincerely,GM Financial

July 11, 2016
Re: Complaint ID: 11549752
      [redacted]
Dear Mr. [redacted],
Thank you for forwarding the additional correspondence.
Please be advised that GM Financial has not changed our position regarding the account.
As you are not a party to this contract, please understand that GM Financial is unable to provide additional information to a third party without an authorization and consent form signed by our customer. You may have the customer contact Lease Customer Service at ###-###-####.
Thank you for your time and insight regarding your experience with GM Financial.
Sincerely,
GM Financial

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.  Is there a time frame for the documents to be received. Its already been a month since I paid off my car and still no title. In hoping to avoid having to take legal action.
Regards,
[redacted]

Thank you for forwarding the correspondence sent to the Revdex.com. I would like the opportunity to address your concerns, however additional information is required. At your earliest convenience, please forward me the full account number listed on the 1099-C or your full 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 provide the following information.Due to the repossession in error, GM Financial has waived your Late Fee balance in the amount of $97.40 and has also offered you a two month deferral of payments at no cost to you. Our records reflect that a member of the leadership team contacted you around 4:45pm (CST) today with this offer and that you have accepted. Our records further reflect that your future arrangement has also been adjusted with your permission to bring your account current on May 13, 2016. Please be sure to complete the deferment agreement sent to your e-mail address using the 4-digit PIN number you were provided. Once this document has been received by GM Financial, the deferment for your March 1, 2016 and April 1, 2016 installment due dates can be processed.We apologize for the inconvenience and thank you for bringing this matter to our attention. Should you have any further questions, please feel free to contact GM Financial at ###-###-####.Sincerely,GM Financial