GM Financial

December 15, 2017
Re: Complaint ID: [redacted]
      [redacted]
Dear Ms. Strong,
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 refund check in the amount of $377.00 was mailed to your address of record on December 14, 2017. We apologize for any inconvenience you have experienced as a result of this situation.
Should you have any additional questions regarding this matter, please contact GM Financial at [redacted].
Sincerely,
GM Financial

Complaint: [redacted]
I am rejecting this response because: I'm sorry I just really am having a hard time with this I don't feel that my file has been taken care of the way it should be. I signed up for auto-pay. It was not taken out of my account like it was supposed to. And because of that my payment is late and now my credit has a ding in it. I don't understand how that is my fault. Also like I said before I have had the same phone number for 20 years they have had my phone number on file since day one. As I said before this is my fourth or fifth car with GMAC. I think I am being treated unfairly and this really upsets me.I work in customer service and I know for a fact when somebody doesn't make a payment you reach out to them you find a way to get info to them. You email them you call them you send stuff in the mail I got none of that. That's why I thought everything was taken care of I was out of town my grandma died a tragic death she fell and hit her head and we had to sit there and watch her die it was horrific..... We had minimal service there and I came home to this mess I really can't emotionally deal with this right now but I can tell you I'm extremely extremely upset. I feel like you guys have all my contact info but you didn't care to use it to let me know my payment wasn't taken out..... Signing up for automatic deduction makes people not have to think or worry about their payment because in most cases things are taken out correctly.....but in my case someone dropped the ball and it never got set up correctly...... And I was told if anything is wrong with my payment they would let me know that never happened....can I just pay it in full and close my account? And go elsewhere???? I was going to probably  lease another Chevy Equinox but now I'm thinking I'm going to switch over to Jeep.............
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because:The Hampton city tax sheet for 2016 is not ledgable and the total listed isn't what I was charged from GM. I paid 473.and change. I'm in the Hampton city office now and they said I should've been charged 355.42. I can't accept this being resolved until I see something that is readable and identifies to my truck and not another. The one thing I can read are dollar totals and it doesn't match my charge from GM financial. 
Regards,
[redacted]

May 3, 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 March 31, 2011, you entered...

into a Retail Installment Sale Contract (“Contract”) with Mercedes-Benz of Southbay for the 2007 Mercedes-Benz GL450 in the amount of $43,536.08 at an interest rate of 17.75%. Within the agreement, you agreed to repay the loan in 72 monthly installments in the amount of $994.11 per month, beginning May 15, 2011. The contract is a simple interest contract, meaning that interest is accrued daily on the unpaid portion of the amount financed, as indicated on the face of the contract. Explanation of interest accrual, application of payments, and how late or early payments change what must be paid is explained on the contract under the section titled “Finance Charge and Payments”. By signing the contract, you agreed to abide by these terms.
On April 27, 2017, the vehicle was repossessed as allowed by the contract. At this time the account was 70 days past due. Please note that on March 9, 2017, you requested that GM Financial cease phone calls to you regarding your account status. The state of California does not require a cure period or notice of repossession be mailed prior to repossession. 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.
Review of your account reflects that you agreed to reinstate the vehicle and the release form was sent to the repossession company, Coastline Recovery Services, on April 29, 2017. Please be aware that the repossession company is an independent contractor and is licensed and insured as such. If you feel that Coastline Recovery Services damaged the vehicle, please contact their office directly at [redacted].
I have included a copy of your contract for your review. If you have any further questions or require additional assistance, please feel free to contact GM Financial at [redacted].
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.  I spoke to [redacted] at GM financial friday the 23rd and tried on several occassions with my banker [redacted] from [redacted] to fax my banking statements without success.  I faxed from another location my banking statements and they where received and proved that there was no reversed payment.  [redacted] advised me that [redacted] was able to credit my account to make it current.  I checked my account online today March 28th and saw that my account is paid up to date with my next payment of 309.24 due April 1st 2018.  I thanked [redacted] on her voice mail I was not able to speak to her for finally correcting their error on my account. 
Regards,
[redacted]

March 21, 2018
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 provide the following information.
As previously explained, as outlined in the Lease agreement (See Page 2, under Other Terms and Conditions Return of the Vehicle), you will return the vehicle in clean condition. If you do not buy the vehicle from us under your purchase option, you agree to return the vehicle to us at a place we designate. When you return the vehicle, you must give us a completed, signed odometer disclosure statement. You agree to pay us any amounts you owe under the Lease and have not paid.
Please be advised, GM Financial does not provide you an Odometer Disclosure Statement. This document must be obtained from the dealership from which you turned the lease vehicle into. Please remit your odometer statement to GM Financials Remarketing department via email to [redacted] or you may fax the documents to fax number ###-###-####.
Should you have any further questions or require additional assistance with regard to this matter, please contact Customer Service directly at ###-###-####.
Sincerely,
GM Financial

Complaint: [redacted]
I am rejecting this response because: giving me your customer service number is not helpful at all.If you had read the complaint you would see that I have already called numerous times and no one will help me, hence the Revdex.com complaint. My email is [redacted]. my phone number is  [redacted]. My acct number is [redacted]. Regards,[redacted]

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

March 24, 2017
Re: Complaint ID: [redacted]
      [redacted]
Dear Ms. [redacted],
Thank you for the addition** correspondence sent to the Revdex.com.
Please be advised that GM Financi** has not changed our position regarding the account. As stated in the contract (See Page 2, under Other Terms and Conditions, section 2-F), if your insurance on the vehicle or credit insurance doesn’t pay all you owe, you must pay what is still owed.
Thank you for your time and insight regarding your experience with GM Financial. Should you have any further questions or require addition** assistance, please feel free to contact GM Financi** at [redacted].
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

November 7, 2017
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.
On September 6, 2012, the vehicle was involved in an accident and declared a total loss by Progressive Insurance. On September 10, 2012, GM Financial quoted a payoff to Progressive in the amount of $11,049.95 good for 10 days. On September 14, 2012, GM Financial received a payment from Progressive in the amount of $10,598.54. As per your contract, the payment was applied to the balance of your account reducing what you owe. Insurance proceeds will only be applied to the principal balance of the account. As outlined in the total loss letter sent on September 10, 2012, you are still responsible for maintaining the monthly installment payments and are still subject to monthly credit bureau reporting until the account is paid in full. The insurance proceeds received from Progressive were applied to your account balance and were not enough to pay the amount you owed. This balance was reported as a charge off on November 30, 2012. The GAP Insurance refund was received on December 27, 2012 satisfying the charge-off balance.
If you have any further questions or are in need of additional assistance regarding your account, please contact the GM Financial Total Loss Department 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. 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

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]

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]

Complaint: [redacted]
 
I am rejecting this response because:it is factually false to report me late to credit for  His account and 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.
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

Complaint: [redacted]
I am rejecting this response because: GM Financial received funds from me which were lost for 4 weeks. I have yet to receive an explanation for how this happened. Personally, I feel that the credit should remain on my account and the money should be refunded to me. More importantly, I hope this response serves as a warning to other consumers. This situation cost me time, interrupted multiple work weeks, and elevated my anxiety to a terrifying degree. I felt helpless throughout the entire experience. Ultimately, a corporation took money from me and failed to provide the purchased service (lease account credit) for 4 weeks. There was nothing I could do and no way to hold them accountable. I did not feel like resolving the issue was a priority for GM Financial.
Regards,
[redacted]

Thank you very much for your very detailed response. Again, I submit to you that you have incurred no costs for these late fees and did not in my mind make a good effort to advise me that the title was not being released. At the very least I would have accepted this had you sent a registered letter but you did not. The fact of this matter is that I no longer want the car due to mechanical issues. Since you are not willing to release the title, you are still the "legal" owner of the vehicle. You have made this clear in your statements. Please advise where I can deliver the car for you to take possession of it .

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.