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. Our records reflect that the account for the 2004 Chevrolet Tracker matured on November 11, 2011. On this date a maturity letter was sent...

to the address of record advising you that the final balance had become due in full. Additional review of our records reflects that the Chapter 7 Bankruptcy filed on February 19, 2013, closed without discharge on May 31, 2013.Please note on July 27, 2015, a cure notice was sent to the address of record prior to your account being submitted for repossession, this notice expired on August 6, 2015. On August 7, 2015, the decision was made to place the vehicle out for repossession, as allowed by your 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. The “Notice of Right to Redeem or Reinstate” and the “Notice of Our Plan to Sell Property” were mailed to your address of record on August 11, 2015.  A review of your payment history reflects that on August 08, 2015, a payment was submitted in the amount of $410.00 via WEB/ACH with Confirmation No. [redacted]. However; the payment was submitted during non-business hours and GM Financial did not receive notification of the payment prior to the repossession that occurred on the same date. GM Financial received the payoff for the vehicle on August 14, 2015. The title to the vehicle will be released to the address of record on August 28, 2015. To have the title released prior to the scheduled date, proof of cleared funds for any payment made within the last thirty days is required. Acceptable proof of cleared funds includes a copy of the bank statement reflecting the posted payment(s) and a running account balance. Documentation can be faxed to ###-###-####, please reference your account number of[redacted]on all documentation.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 6, 2018
Re: Complaint ID: [redacted]
      [redacted]
[redacted]
Thank you for the additional correspondence sent to the Revdex.com. I have reviewed your concerns and would like to provide the following information.
Per our conversation on March 6, 2018, GM Financial verified that you received the title for your account ending in [redacted].
We apologize for any inconvenience this situation may have caused. Should you have any further questions or require additional assistance in regards to this matter, please contact GM Financial at ###-###-####.
Sincerely,
GM Financial

November 30, 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.
As you have been advised, GM Financial is both by law and by contract required to report truthful and accurate information to the credit reporting agencies. While there are times, and yours is one of them, where we might like to follow our hearts and the equities of the situation and ignore our legal and contractual obligations, we just cannot do so. We understand you are not disputing the accuracy of the credit information we have reported, and as you were previously notified, GM Financial had previously, reviewed the data that was sent to the credit reporting agencies regarding your account and has determined that the information is accurately reported.
Although this is not the answer you wanted to hear, GM Financial simply cannot offer a “courtesy” waiver of accurate reporting. If the rules were not strict in this area, the ability of both consumers and financial companies to rely on the credit reporting system would become a problem.
Accordingly, and with mixed emotions, I must inform you that GM Financial unable to honor your request to delete or alter your account information from your credit report.
If you have any questions or require additional assistance please contact GM Financial at [redacted].
Sincerely.
GM Financial

March 14, 2018
Re: Complaint ID: [redacted]
Dear Mr. [redacted],
Thank you for the additional correspondence sent to the Revdex.com. I have reviewed your concerns and would like to provide the following information.
As previously advised, a refund in the amount of 133.17 was issued to your address of record on March 7, 2018. Please allow 7-10 business days to be received. If after this timeframe has passed and you have not received the refund, please contact GM Financial’s Customer Service Department directly at ###-###-#### for additional assistance.
Sincerely,
GM Financial

August 1, 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.
The cut off time and posting timeframes for payments are provided on www.gmfinancial.com. The information in question is located in Customer Service’s Frequently Asked Questions (FAQ’s), under “payments” section within the “Contact Us” page of the site and reads as follows:
When will my payment post to my account?
Any payment made before 5 p.m. CT will post to your account on the day you schedule it (excluding weekends and holidays). Any payment made after 5 p.m. CT will post to your account the following business day (excluding weekends and holidays). The funds will be drafted from your bank account within two business days from the posting date (excluding weekends and holidays). Only payments made from a bank account may be future dated.
Please be advised as your payment will post with the effective date of today August 1, 2017, there will be no negative marks reported to the credit bureau reporting agencies for this payment.

We apologize for the poor level of service you feel you have received, and 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

RE: Complaint ID: [redacted]
      [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 provide the following information.
Our records reflect that GM Financial had verbal communication with you and Progressive insurance on August 9, 2016. These records do not reflect that anything outside of a payoff quote and a letter of guarantee, as requested by the insurance company, was discussed.
The Western Union Speed Pay system indicates that you initiated and authorized a recurring payment schedule online on October 8, 2015 at 11:16AM CST for a payment in the amount of $370.99 to draft monthly on the 9th day of each month. Records from the Western Union system indicate that this plan is currently still active and the end date you have assigned to this schedule is August 9, 2017. As this type of payment is customer driven, initiated, and authorized, GM Financial is unable to stop or alter this payment plan on your behalf. Please understand that the Recurring Payment Plan must be deleted prior to 8:00AM EST on the scheduled Payment Day online via Western Union’s Speed Pay system. Our records reflect that the conversation with you regarding the payoff quote took place at 2:06PM CST on August 9, 2016, the date your payment was scheduled to draft.
Our records do not reflect that any payments over and above your scheduled monthly base rent payment amount has been received. If you would like GM Financial to research the $215.00 payment you have referenced within your complaint, please fax in proof of cleared funds to (817)525-9103.
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.
We apologize for the poor level of service you feel you have received. Please be assured that GM Financial gives customer service a high priority and is totally committed to achieving excellence. GM Financial takes all complaints seriously and we appreciate you bringing this matter to our attention.
Should you have any further questions or require additional assistance, please feel free to 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 provide the following information.  GM Financial’s position regarding this matter has not changed. The late fees were waived as courtesy for the one-time processing error that occurred in August of 2015 upon your initial attempt at setting up a recurring payment schedule through Western Union Speed Pay. Neither GM Financial’s records nor the records of Western Union Speed Pay reflect that any further recurring payment schedules were attempted to be set up online.  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

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 that payments have been paid late on both of your GM Financial accounts. As per your contract, 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. Please understand GM Financial will apply payments first to any past due monthly installments, then to the current installment and late fee balance. Also per your contract, if a payment is not received in full within 10 days after it is due, you will pay a late charge of 5% of the part of the payment that is late, with a minimum charge of $1.00. Included for your review are copies of the account contracts and complete account payment history of your accounts. Should you have any further questions or require additional assistance, please feel free to contact Customer Service at ###-###-####.

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. GM Financial’s position regarding this matter has not changed. 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: I had input the information correctly. This is the second month in a row where Western Union has input information incorrectly, the first month they caught it and had contacted me and fixed it. This month it was not caught on time. The error was on the end of Western Union, not mine. 
Regards,
[redacted]

I hope this will resolve and correction of my credit report has been done this time. I need for it to be removed off my credit report for it not to negatively affect my credit. I hope this is the correction that is done now. 
Regards,

September 27, 2017   RE: Complaint ID: [redacted]          [redacted]                           Dear Mr. [redacted], Thank you for forwarding the additional correspondence. We have reviewed your concerns and would like to offer you the following information. On January 31, 2011, you signed a Motor Vehicle Retail Installment Sales Contract (“Contract”) for the purchase of a 2010 Dodge Charger in the amount of $25,246.11 at an interest rate of 18.00%. Within the agreement, you agreed to repay the loan in 72 monthly installments in the amount of $580.13 per month, beginning on March 17, 2011.   Enclosed is a copy of the Retail Installment Contract (“Contract”), a copy of your state driver’s license and a copy of the credit application. These documents are sufficient to validate your obligation for this account and all the information that has been sent to any credit agency. 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.   If you are the victim of identity theft regarding a GM Financial account and wish to request an investigation, the claim must be submitted in writing and mailed or faxed to GM Financial. You may find these forms at [redacted] under ‘security.’ Please remit the completed forms and required documents as per the instructions and an investigation will be conducted.   If you have any further questions or require additional assistance, please feel free to contact GM Financial at [redacted].   Sincerely, GM Financial

November 30, 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. Please be advised a judgment is a public record and is reported by the courts, not GM Financial. Public Records are also reflected on the credit report separately from any creditor tradeline information. The balance reflected on the GM Financial tradeline is the deficiency balance of your account.  Our research concludes that the status of your account has 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. Please be aware that Harvest is servicing your account balance on behalf of GM Financial. If you have any further questions or are in need of additional assistance regarding this matter, please contact Harvest at [redacted].            Sincerely, GM Financial

Thank you for the additional correspondence sent to the Revdex.com. I have reviewed your comments and would like to offer the following information.
 
First, I would like to apologize for the poor service that you feel you have received. Please be assured that GM Financial gives customer service a high priority and is totally committed to achieving excellence. The proper follow up has been conducted and feedback has been provided.
 
?The terms of your contract and how late payments affect your account were clearly stated on your Retail Installment Sale Contract (“Contract”). When you signed the Contract you agreed to the terms. The first section on the back of your Contract explains how finance charges are calculated and how late or early payments change what you must pay. Each time a deferment was submitted, at your request, you were notified of the affects verbally; and notices restating the effects of deferments were included on your monthly billing statements following the processing of the deferments.
 
With regard to your interest rate, per the first page of your Contract, you would have needed to negotiate this rate with your dealership ("Seller") prior to signing and agreeing to the Contract.  
GM Financial has complied with the Release of the Lien on June 19, 2015, and apologizes for the delay of the release.
 
Included for your review are copies of your Contract and the Billing Statements sent after the processing of each of the deferments.
 
Should you have any further questions, please contact Customer Service at 1-800-284-2271.
 
Sincerely,
GM Financial

If this is truly the case, why did it take an entire month for you to say you need an official rejection letter from the DMV? They have no idea what you're talking about, by the way. You have their contact info with the initial request I mailed to you. Since you apparently think all of your customers are compulsive liars, please feel free to directly contact the Oregon DMV to verify they did not receive the title. I'll expect to hear back from you in another month...Also, still waiting on reimbursement for all the fees I've incurred due to your lack of response.Regards,[redacted]

Thank you for forwarding the additional correspondence sent to the Revdex.com. Please be advised that we have not changed our position regarding your account status.
Please note due date change request would not be reflected on your account payment history.
Should you have any further questions or require additional assistance with regard to this matter, please contact GM Financial at ###-###-####.
Sincerely,
GM Financial

October 20, 2017
Re: Complaint ID: [redacted]
      [redacted]
Dear Mr. [redacted],
Thank you for the additional correspondence sent to the Revdex.com. At this time, GM Financial is currently reviewing your account. A response will be issued once the review has been completed.
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 understand that due to the GM Financial account being included in your bankruptcy filing, GM Financial is unable to issue monthly billing statements or make requests for payment from any party to the account. Our records reflect that you were made aware of the status of your account and the monthly due date on several occasions prior to the vehicle being repossessed. GM Financial places a high priority on adhering to all state and federal laws. The state of Pennsylvania does not require that a cure period or notice of repossession be mailed prior to repossession to any party to the account.  As you have been previously advised, all financial records that you have provided to GM Financial have been reviewed; and it has been determined that all payments reflected within the bank records provided,  have been accurately accounted for within the payment history of your account. GM Financial has not changed its position regarding this matter. State law gives you the right to get the vehicle back. The vehicle will be returned if the account balance is paid in full, including our expenses, at any time before the vehicle is sold. Please note that the previous payment histories sent to you and the copy you provided within this complaint are dated November 24, 2015 and do not reflect any payments made after that date. A current copy of the payment history has been mailed to your address of record. Should you have any further questions or require additional assistance, please contact GM Financial at (877)203-5538. Sincerely,GM Financial

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