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 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 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 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

Complaint: [redacted]
I am rejecting this response because:  You have billed me TWO months in a row for $12.71 ($25.42) which I have paid.  My credit should be for that amount PLUS 3/4 months of lease payments not yet due.
Regards,
[redacted]

March 23, 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 3, 2012 you entered into a Retail Installment Sale Contract (“Contract”) with Gerry Lane Chevrolet for the 2012 Chevrolet Malibu. GM Financial employees were not present at Gerry Lane Chevrolet (“Dealer”) during the signing of the contract and GM Financial was not an original contracting party in any agreements between the two parties. The contract was subsequently assigned to GM Financial.
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 September 8, 2015. These notices explained that you would be required to pay the difference between the amount you owed to GM Financial and the amount the vehicle sold for, plus expenses if you opted not to redeem/reinstate the vehicle. After the sale of the vehicle at auction, a “Deficiency Calculation” letter was mailed to your address of record on February 11, 2016 to inform you of the remaining balance owed.

We empathize with the problems you may have experienced with the vehicle; however, the responsibility for this contractual obligation remains. All mechanical issues would have needed to be resolved between yourself, Gerry Lane Chevrolet, and/or the manufacturer of the vehicle, if necessary.
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: the 3 credit bureaus told me that if GM Financial removed there comments than the dispute will be resolved. Result of this not happening I have lost a mortgage loan because GM Financial couldn't simply remove there comments from the dispute and I have removed all the comments of the dispute with all three of my credit bureaus, but they couldn't do there part. I no know that they can't take care of there customers. Is just simply sad customer service. 
Regards,
[redacted]

May 30, 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 November...

17, 2012, you signed a Retail Installment Sales Contract (“Contract”) for the purchase of a 2011 Dodge Grand Caravan in the amount of $18,890.06 at an interest rate of 18.00%. Within the agreement, you agreed to repay the loan in 72 monthly installments in the amount of $433.89 per month, beginning on January 1, 2013. 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. Late fees are assessed according to the retail installment contract which states the following: If we do not receive your entire payment within 15 days after it is due, you will pay a late charge of 5% of the scheduled payment.
Review of your account reflects that after the $400.00 payment posted on May 18, 2017, a balance of $33.89 remained for your May installment. This amount was rebilled with your June 15, 2017 installment for a total payment of $467.78 along with your late fee balance of $352.44, totaling $820.22 due. Please understand there was no late fee assessed on your May 2017 installment and it will not be reported as past due with the credit reporting agencies as the amount was small enough to be rebilled when your June statement was sent on May 26, 2017.
I have included a copy of your contract and payment history for your review. If you have any additional questions regarding this matter please feel free to contact the GM Financial Customer Service at [redacted].
Sincerely,
GM Financial

January 8, 2018
RE: Complaint ID: [redacted]       [redacted]
 
Dear Mr. [redacted],
Thank you for the additional 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

Complaint: [redacted]
I am rejecting this response because:I did not sign any contract that included the stipulation that lease transfers must occur in state only.  GM Financial only imposed this after the fact.  I was never told I could not transfer the vehicle out of state.  This was gross misrepresentation of the product.  GM Financial will end the contract without penalty or allow me to transfer the lease out of state.
Regards,
[redacted]

1) It does not require multiple hard inquiries of a credit report in a 24 hour period to secure a lease. 
2) I did not authorize multiples pulls of my credit. Please provide authorizations for multiple pulls signed by me as well as the name of the individual who clearly explained that multiple credit pulls would take place with a single financial institution for a single lease agreement  3) Unacceptable business practice.

Thank for your response. I would like to know why I was told by [redacted], one of you customer service managers that I could only listen to the recorded phone call if I was to get a lawyer. She also stated to me that your outgoing phone calls are time stamped, but whether or not the calls actually go through to someone is not their problem. I was also told I was mailed a repossession letter by your reinstatement department. Then once again Ms. [redacted] informed me you do not send those out. I have yet to receive anything on the matter. Then just to be told it is my word against hers, does not seem to be how you treat a customer. I was given two dates to make the interest payments to secure the deferment. My wife also had a request put in to see if that said phone call was recorded. It has now been over three weeks with no answer.Now, I did in fact make the interest payments to secure the deferment, I have receipt in hand. Also, I was told I should have received an email stating the deferment went through. You can only imagine I have been watching very closely and have not received one for the latest deferment, but I did call to make sure it went through. Would the late fees have been moved with the deferment to the end of loan as well? As you can see we are still confused, this is because we have not received the same answer or honest one from anyone. Ms. [redacted] also informed me she put in the request for the repossession. I assume you use certain companies, I assure you they were repossessing the vehicle on behalf of GM financial. So, as for the marks on my driveway and wear on my tires. That problem does not only belong to the repossession company. Also, as we do appreciate the deferment to get our other bills caught up due to this mistake made by your company. I can only wonder why I was offered the second deferment? Is it because I am not allowed to hear the phone call of the two different dates being offered? That it was in fact voided on the first date by mistake? This matter could all be dropped if I could get honest answers from someone. I lost money because I was not able to go to work, pick my kids up from school (my children's car seats were in the vehicle), also all my payroll information. This was needed that day and I was not allowed to get into my vehicle until the next day. I paid a lot more fees than your company knows. I have also attached for your information the 2 emails I received from Ms. [redacted], in which she told me directly on the phone she had sent a repossession email on August 31st, as you will see that was not the case. The repossession email was sent the day before. Now being a working parents. I was not able to get to that email that evening, but did call and leave her a message, that was returned to me over a week later.

Complaint[redacted]
I am rejecting this response because: I have been enrolled in automatic payments! They come out every month and all of them have cleared. I talked with GM Financial customer service, and she assured me that your computer system is at fault with a glitch and she confirmed it was an error on your automatic payments system for many customers, in January, and you are now manually entering the payments manually because of that error. I am not the only customer having this issue,  so please don't try to  portray that your are not aware of your system errors. I have sent the bank statements to your company customer service through email which she received and again confirmed it was your error, not mine. All of the calls were recorded. Please review them,  and become more informed with your business practices. I  shouldn't have to help you resolve this when you  have revieved proof from me, especially since im currently on vacation. I have never missed a payment in my 12 year credit history, and your companies incompetence is not going to change that. This will be resolved, and I will retain my attorney if you want to continue to blame your companies incompetence on me.Best regards,
[redacted]

August 1, 2016 RE:  Complaint ID:  [redacted] Dear Mr. [redacted], Thank you for forwarding 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 provide your full GM Financial account number(s) or the last four digits of your social security number. Upon receipt of this information I will research this matter.  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]

Thank you for the correspondence sent to the Revdex.com. At thistime, GM Financial is currently reviewing your account. A response will beissued once the review has been completed.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]

This is not fair, that is not what I was told when I called regarding my payment. I am so tired of complaining with your company and how I've been treated and been pushed around, I will pay, but what I want is to even it at 1500, remove me from my collection and I will have my account on auto pay, that is fair from everything I've been through with this company.

Thank you for forwarding the additional correspondence to
the Revdex.com. I have reviewed your concerns and would like to
offer the following information.
 
Please note that GM Financial was able to contact the State
of Rhode Island and they agreed to...

waive $35.00 of the $75.00 late fee. Our
system of record indicates that you were notified of this and that GM Financial
will reimburse you the $40.00 late fee upon payment as we are unable to pay the
State of Rhode Island directly. Once you make this payment, please email your
receipt  to [redacted]  so
that we are able to refund you the late fee paid in a timely manner.
 
Please feel free to contact me directly should you have further
questions or concerns at the number provided below.

June 5, 2017 Re:Complaint ID: [redacted]      [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. Our records reflect that...

the title was mailed to Magic City Motorcars, Inc on June 1, 2017. Please allow time for the lien to be received. 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. Should you have any further questions or require additional assistance with regard to this matter, please contact GM Financial directly at [redacted]. Sincerely,GM Financial