GM Financial

November 22, 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.
Please be advised a refund...

in the amount of $1182.10 was issued by GM Financial Check Number [redacted] and sent by regular mail to your address of record on November 18, 2016. Please allow 7 to 10 business days from the time the check was issued for it to be received.
GM Financial takes all complaints seriously and we appreciate you bringing this matter to our attention, and apologize for any inconvenience this may have caused. Should you have any further questions or require additional assistance regarding this matter, please contact GM Financial directly at [redacted].
Sincerely,
GM Financial

Thank you for the correspondence sent to the Revdex.com. GM Financial has reviewed your concerns and would like to provide the following information.
With the information you’ve provided, GM Financial is unable to locate an account or application for credit. Please provide proof of...

the inquiry dated September 15, 2015 and GM Financial will research further.

Should you have any further questions or require additional assistance with regard to your lease account, please contact me directly at ###-###-####.
Sincerely,
GM Financial

March 16, 2018
Re: Complaint ID: [redacted]
      [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 social security number and or account number. Upon receipt of this information I will research this matter.
Sincerely,
GM Financial

Thank you for the correspondence sent to the Revdex.com. I have reviewed your concerns and would like to offer the following information.
A review of your account reflects that a due date change has been completed and changed to the 21st day of each month.
In order for a due date...

change to be processed on the account, the account must be current or brought current with the request of the due date change at the time it was requested. Please note all previous due date changes were not processed because the account was not current at the time of the request.
Please be advised, that at the time of your request on September 4, 2015, your account was 20 days past due for the August 15, 2015 installment due date. After the payment made on September 8, 2015 had been posted to your account, it would have been necessary for you to contact Customer Service and request the due date change.
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 bureau reporting agencies with accuracy; and as a result, we are unable to make any changes or deletions to the credit bureau reporting.
A copy of your account payment history has been included for your review. Should you have any further questions or require additional assistance with regard to this matter, please contact GM Financial at ###-###-####.
Sincerely,
GM Financial
Revdex.comThank you for your help, but what wasn't explained was I was contacted again by the Collections Department FOR  payment. I set up the payment bringing the account current and the request still wasn't completed until after the fact. My account hadn't been 30 days late though since July of last year and I was on top of my Account until this? My included payment history doesn't show requests made prior and I would like the Call History pulled I can prove that GM FINANCIAL findings are Inaccurate.

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]

Thank you for the additional correspondence sent to the Revdex.com (“Revdex.com”). I have reviewed your comments and would like to offer the following response. GM Financial considers all customer concerns very seriously and your account history and activity were reviewed thoroughly to ensure strict compliance with your contract. Based on this review, GM Financial has not changed its position regarding the status of your account. Should you have any further questions or require additional assistance, please feel free to contact GM Financial at 1(877)203-5536. Sincerely,GM Financial

Complaint: [redacted]I am rejecting this response because:I have received a letter of Leon release via FedEx this morning. I have not however received the check for the balance of the payoff.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.
Please understand that GM Financial is a financial institution only and is not the manufacturer of your vehicle. While we empathize with the problems you may have experienced with the vehicle; the responsibility for this contractual obligation remains. All mechanical issues would need to be resolved between yourself, [redacted] Chevrolet, and/or the manufacturer of the vehicle, if necessary.
Our position regarding this matter has not changed; unfortunately your account is not currently eligible for the payment assistance you seek.
If you would like to discuss this matter further with the manufacturer of your vehicle, please contact GM’s Chevrolet Customer Assistance line at ###-###-####.
Sincerely,
GM Financial

Thank you for the correspondence sent to the Revdex.com. I have reviewed your concerns and would like to offer the following information. On November 5, 2014, you signed a Retail Installment Sale Contract (“Contract”) for a 2014 Kia Sorrento in the amount of $23,931.35 at an...

interest rate of 15.65%. Within the agreement, you agreed to repay the loan in 72 monthly installments in the amount of $517.87 per month, beginning on December 20, 2014. 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.   As per your contract, we may apply each payment to the earned and unpaid part of the Finance Charge, to the unpaid part of your Principal Balance and to other amounts you owe under this contract in any order we choose.  The payment you mentioned that you intended for the late fees were applied towards past due installment payments. On the date of July 25, 2015, GM Financial received a payment in the amount of $543.76; at this time your account was past due for the June 20, 2015 and July 20, 2015 installment due dates. Of this payment, $517.87 was applied towards your June 20, 2015 installment due date and the remaining $25.89 was applied towards your July 20, 2015 installment due date. As you have requested to defer the August 20, 2015 and September 15, 2015 installment due dates, the deferment fee you are required to pay, in the amount of $207.15, will be applied towards the accrued interest balance while the account is in deferral. Your contract reflects that you will pay additional finance charges at the Base Rate on the amount extended during the extension. GM Financial has not charged you the additional $15.00 extension fee also referenced within your contract. The deferment arrangement is currently pending the receipt of the $207.15.  In an effort to assist you further, the Team Leader whom you have been corresponding with has waived your late fee balance of $77.67 as a one-time customer courtesy. No additional late fees will be waived as the Late Fee is a part of your contractual obligation. Included for your review is a copy of your contract. Should you have any further questions or require additional assistance, please feel free to contact GM Financial at 1-800-325-3930. Sincerely,GM Financial

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.
Barring any changes to the Statement of Account, our records reflect that your lease is currently paid through...

the lease maturity date of October 14, 2018. Please be advised while the lease is still active you will continue to receive monthly statements reflecting credits for the remaining base rent due dates.
Should you have any further questions or require additional assistance, please contact GM Financial Lease Servicing 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]

Thank you for the correspondence sent to the Revdex.com. I have reviewed your concerns and would like to offer the following information.  As per your conversation with Mr. [redacted], GM Financial has submitted an update and forwarded the proper documentation to all three major credit bureaus to have the 30 day delinquency reported in June 2015 removed. Please allow 30-45 days for this information to update and reflect accordingly.   Should you have any additional questions regarding this matter please feel free to contact GM Financial 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

March 20, 2018
Re: Complaint ID: [redacted]
      [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.
On January 17, 2018 GM...

Financial received an application for credit submitted at [redacted]. 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 they convert the hard inquiry to a soft inquiry. Please be advised that it can take the credit reporting agencies four to six weeks to update your credit report.
Should you have any further questions or require additional assistance please contact GM Financial at ###-###-####.
Sincerely,
GM Financial

Complaint: [redacted]
I am rejecting this response because Ms. [redacted] response completely ignored the fact that I forwarded copies of the original email threads to GM Financial President & CEO [redacted], Exec VP & HRO [redacted], VP & Executive CFO [redacted] reflecting the dates of my account and credit inquiries to [redacted] June 29, 2016 (7:05 am), July 9, 2016 (12:13 am), August 11, 2016 (9:08 pm), July 22, 2017 (1:38 am) of which the July 22, 2017 indicated an incoming payment of $1,200 for August 10, 2017.  [redacted] never responded to even of these emails.  I was told on August 7, 2017 when I called that he is now VP in another area at GM Financial and there was no note to the account and thereby I was told on August 7, 2017 (when the vehicle was seized prematurely), the account was put in repo status August 1, 2017.  This is not the first time [redacted] has not responded to emails from me.  I have provided prior date and threads  which [redacted] has not addressed either.  The vehicle has been delivered as of August 14, 2017.  It is obvious from the response I received from [redacted] August 8, 2017 that upon getting his new position he did not feel accountable to responding to my emails nor delegating anyone to respond to my inquiries.  Therefore, I was left unanswered although has been my direct contact since my 2014 Attorney General complaint.  How was I to know any different?  To date, GM Financial is not providing satisfactory response to any of the other concerns I addressed in my complaint beginning with1) Email was sent to [redacted] July 22, 2017 advising $1,200 would be sent to the account by August 10, 2017.  I was notified on August 7, 2010 that Mr. [redacted] did not document the account.  Therefore, the account went into repo status. Mr. [redacted] has been my direct account contact since my Attorney General complaint 2014.  There have been a few occasions where there were no responses to account nor credit inquiries on June 29, 2016 (7:05 am), July 9, 2016 (12:13 am), August 11, 2016 (9:08 pm), July 22, 2017 (1:38 am)Correction to my account and credit report and reimbursement for erroneous fees due to the account not being documented by [redacted] Violation of FCRA provisions(a) failing to correct inaccurate and derogatory information to credit reporting agencies(b) failing to follow up on credit reporting disputes(c) failing to refrain from continuing to submit information that you know to be inaccurate, and(d) providing results of the investigation of the dispute within five (5) business days after the investigation is completed;2) Violation of FDCPA of phone contact attempts by [redacted] after he was notified multiple email exchanges to communicate in writing as August 8, 2017 (12:47 pm);  [redacted] required phone contact as a requirement to secure the vehicle AFTER the reinstatement arrangement Monday, August 7, 2017 and payment August 10, 2017 which was emailed to him with copy of the insurance policy.  Mr. [redacted] willfully ignored multiple written requests to cease phone communications and conduct matters in writing as a matter of record August 8, 2018 (12:48 pm).  I received two (2) calls from Mr.  [redacted] August 8, 2017 (3:27 pm and 3:28 pm)3)  A payment history of the account back to inception4)  A copy of the recorded conversations with Allison, [redacted] and [redacted] on August 7, 2017Problems such as this is the primary reason why I make my communications with GM Financial in writing so that I have time/date stamped record.It appears this may have to go into litigation for resolve.
Regards,
[redacted]

The account number requested is [redacted], this is not resolved until the information has been reviewed further.

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

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

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

October 31, 2016
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.
On August 13, 2013, you signed a Lease Agreement for a 2013 Chevrolet Malibu. Within the agreement, you agreed to a 39 month lease term with a monthly payment in the amount of $299.71 per month, due on the 12th day of each month. The lease maturity date of this contract is November 13, 2016.
Please note at the time of the lease turn in, your account was due for the October 14, 2016 base rent due date; however, as a customer courtesy GM Financial is honoring your request for a refund and waiving the remaining base rent in the amount of $299.71, leaving a remaining balance due of $90.74 for Excess Wear and Tear.
A refund in the amount of $299.71 was issued by GM Financial Invoice Number [redacted] and sent to your address of record today on October 31, 2016. Please allow 7 to 10 business days from the time the check was issued for it to be received.
Please be advised, as stated in your contract (See Page 2, under Other Terms and Conditions, section 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.
An itemized list of the excess wear and tear charges and pictures can be viewed at [redacted]n by entering the vehicle identification number and account number.
Should you have any further questions or require additional assistance regarding this matter, please contact GM Financials Lease Servicing Department at [redacted].
Sincerely,
GM Financial