GM Financial

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

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

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]

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

June 16, 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 be advised that although...

the principal and interest was paid off, there are still late fees owed on the account. Our records reflect that you spoke with a GM Financial representative on February 25, 2015 and you were made aware of this. As a courtesy, GM Financial waived half of those late fees, leaving you with a total of $710.91 in late fees on the account. These fees will need to be paid to be able to release the title.
Included for your review is a copy of your Account Payment History and a copy of the Final Installment Payment Agreement. 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

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

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

Thank you for the additional correspondence sent to the Revdex.com. I have reviewed your concerns and would like to offer the following information. On July 8, 2006, both you and Willis Valentine signed a Retail Installment Contract (“Contract”) for a 2003 Ford Explorer in the...

amount of $16,804.62 at an interest rate of 21.95%. 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. 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. In order to negotiate a settlement with regard to the deficiency balance of your account, you will need to contact GM Financial’s Loss Recovery department at ###-###-####. Please also understand that if GM Financial agrees to a settlement, the credit bureau reporting of your account will not be updated to reflect settled in full as a charged-off account, until the full negotiated settlement amount has been satisfied. Included for your review are copies of your Contract and Account Payment History. Sincerely, GM Financial

March 16, 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 January 30, 2016, and...

February 1, 2016 GM Financial received two applications for credit submitted at [redacted] Chevrolet. You have indicated that you are disputing the inquiries as unauthorized; and as a result, GM Financial has requested that the appropriate credit reporting agencies remove the GM Financial inquiries from your credit report. In the event that the credit bureau reporting agencies are unable to delete the inquiries, we have asked that at a minimum that they convert the hard inquiries to a soft inquiries. Please be advised that it can take the credit reporting agencies four to six weeks to update your credit report.
Copy of the Inquiry Removal letters has been included for your review. Should you have any further questions contact Customer Service at [redacted]
Hours of Operation:
Monday through Thursday, 7:00 a.m. to 8:00 p.m. CT
Friday, 7:00 a.m. to 7:00 p.m. CT
Saturday, 7:00 a.m. to 4:00 p.m. CT
Sincerely.
GM Financial

August 9, 2016 Re: Complaint ID: [redacted] Dear [redacted], Thank you for the correspondence sent to the Revdex.com. I have reviewed your concerns and would like to provide the following information. Our records reflect the Assumption Authorization Form...

and Credit Application were e-mailed timely each time and to each party as requested. This process did take longer than normal due to issues that occurred outside of GM Financial’s control, such as multiple parties applying to assume your lease and errors on the Assumption Lease Contract by the approved assumption party requiring correction and reissuance of the document. Please understand that you are responsible for keeping the account current during this process and for any payment billed prior to the completion of the assumption process. Our records further reflect the assumption process concluded on August 3, 2016, and you are no longer liable for future payments. As per your request, the account was set up on the ACH payment plan on June 21, 2016, to be effective beginning with your July 28, 2016 base rent payment. On July 28, 2016, a one-time payment was also submitted online via Western Union Speed Pay in the amount of $169.69. As you have been advised, in order to refund one of these payments, proof of cleared funds is required. Proof of cleared funds can be a bank statement reflecting both payments and a before and after balance, or a letter from your bank on bank letter head referencing that both payments have cleared as well as the dates cleared; this letter must also provide the name and contact information of the bank representative providing the information. Please understand that the refund process can take 3-4 weeks. You may fax the proof of cleared funds to Lease Servicing at ###-###-#### or you may email the documents to [redacted]. Should you have any further questions regarding this matter, please contact Lease Servicing at ###-###-####. Sincerely,GM Financial

July 31, 2017
Re: Complaint ID: [redacted]
[redacted]
Dear Mr. [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, as per your contract, the warranty refund was applied to the balance of your account reducing what you owe. We may apply each payment to the earned and unpaid part of the Finance Charge, to the unpaid part of the Amount Financed and to any other amounts you owe under this contract in any order we choose.
Unfortunately, we are unable to honor your request to apply the funds toward your monthly installment due dates as insurance proceeds and warranty refunds will only be applied to the principal balance of the account.
We apologize for any inconvenience this situation may have caused. 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

October 23, 2017   RE:  Complaint ID:  [redacted]                  [redacted]     Dear [redacted]:   Thank you for forwarding the additional correspondence sent to the Revdex.com.   Please note that GM Financial has submitted an update and forwarded the proper documentation to all three major credit bureaus to remove the delinquency reported. Please allow the credit bureau reporting agencies 30-45 days to reflect these updates.   Our records also reflect that a refund check in the amount of $531.04 was mailed out to you on October 20, 2017. We genuinely apologize for any inconvenience this has caused and appreciate your patience in resolving this matter.   Sincerely, GM Financial   Tell us why here...

Complaint: [redacted]
I am rejecting this response because: Thank you for the resolution on the October 2015 payment. I am Rejecting this resolution because of the mark that will still exist for March 2017. I called GM Financial yesterday to further understand why the March payment was still being Marked as 30 days passed due. The explanation given to me was the Mark was for the February payment. The computer records show the payment coming in and then being reversed and then received on March 9th. While reviewing my bank statements the payment was taken out prior to march 9th and prior to 30days past due. I have provided my bank statement to GM Financial to show that the payment was taken prior to the marked date in your system. When making payments to GM Financial I use western union and not any automated bill pay from my bank. I emailed my bank statement to [redacted] yesterday. If needed I can provided my bank statement here.
Regards,
[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.
Upon review of the account, GM Financial has updated your account with the current Geo Code for the State of Florida. We have confirmed...

that the State of Florida has reciprocity with the State of New York and a request has been submitted and is in the process to credit back taxes charged in the amount of $63.04 back to your account.
We apologize for any inconvenience this may have caused and thank you for bringing this matter to our attention. Should you have any further questions or require additional assistance regarding your GM Financial Lease, please feel free to contact Customer Service at ###-###-####.
Hours of Operation:
Monday through Thursday: 7:00a.m.-8:00p.m.
Friday through Saturday: 8:00a.m.-5:00p.m.
Sincerely,
GM Financial

I have paid this company more than enough in service fees to satisfy the contract. It is an attempt by this company to take advantage of the poor and I will give them no more money. Are they willing to work with me or not?[redacted]

March 28, 2017
Re: Complaint ID: [redacted]
      [redacted]
Dear Ms. [redacted],
Thank you for the correspondence sent to the Revdex.com.
As of the date of this letter, all of the toll charges have been removed from the lease account number...

[redacted]. We do apologize for any inconvenience this may have caused you, as GM Financial strives to give customer service a high priority and is totally committed to achieving excellence.
If you have any further questions or concerns regarding this matter, please contact Lease Customer Service at [redacted].
Sincerely,
GM Financial

January 11, 2017
Re: Complaint ID: [redacted]
      [redacted]
Dear Ms. [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.
As previously advised, your GM Financial account matured on July 4, 2016; at which time the balance was due in full for the amount of $2,634.42. Please be advised, the new payment plan was offered to you at no interest in efforts to assist you with the remaining balance and was not completed until August 19, 2016. At which time the account was over 30 days past due. Prior to the loan extension, the loan balance was due in full and continued to be late until that process was completed.
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

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 refund in the amount of $1,000.00 was issued by GM Financial by regular mail to your address of [redacted] on February 3, 2016. Please allow 7 to 10 business days from the time the check was issued for it to be received.
Should you have any further questions or require additional assistance with regard to this matter, please contact me directly at the telephone number provided below.

July 27, 2016
Re: Complaint ID: 11576078
      [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.
GM Financial has contacted the...

credit bureau reporting agencies and confirmed no reporting prior to the open date of this account on May 13, 2014.
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; and as a result, we are unable to make any changes or deletions to the credit bureau reporting.
Copies of your Contract and payment history have been included for your review. Should you have any further questions or require additional assistance with regard to this matter, please contact GM Financial directly at ###-###-####.
Sincerely,
GM Financial

Complaint: [redacted]I am rejecting this response because: GMAC is requesting account number- here it is for them #[redacted]Regards,[redacted]