GM Financial

December 21, 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 provide the following information.
On November 29, 2017 the decision was made to place the vehicle out for repossession, as allowed by your contract. At this time the account was 62 days past due. 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 state of Indiana does not require a cure period or notice of repossession be mailed prior to repossession.
Please be advised numerous efforts were made to contact you with regard to the status of the account. Our records reflect that we spoke with you on November 29, 2017; at which time a deferment was offered to you, and you informed GM Financial that were not able to do that due to the deferment fee. GM Financial understands that customers may face financial hardships throughout the life of their loan. Please understand that deferments are not a contractual obligation and are not always available. If in the future, the deferment option is available and if your account is eligible for this type of payment assistance, please be aware that all deferment requests are subject to management approval.
Please understand that to be able to reinstate the vehicle, all past due payments, late charges, impound and repossession fees must be paid in full. Online payments are restricted anytime the account is in repossession status.
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 of your account.
Should you have any further questions or require additional assistance, please contact GM directly at [redacted].
Sincerely,
GM Financial

Complaint: [redacted]
I am rejecting this response because:it’s a complete and utter disgrace. The company is praying on people that they think they can do so. I made a payment, it was rejected since the company was closed for “system maintance” in no where is that mentioned that it could have been THERE error. What is the point of entering Ashe entering an account if they are going to say it was entered incorrectly?! Also- there was ZERO mention of the fact that the truck was faulty and ended up in the shop not even 6 months later! THIS IS THE WORST COMPANY AND THEY SHOULD NOT HE IN BUSINESS. THE WAY THEY HANDLE CKNSUMERS IS A DISGRACE. I WISH I NEVER BOUGHT THIS TRUCK. I WILL BEVER ENTER INTO ANY AGREEMENTS WITH THEIR COMPANY EVER AGAIN.  I WILL MAKE SURE I PASS ON THEIR INCOMPETENCE TO ANYONE I KNOW. 
Regards,
[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 or the last four digits of your...

social security number. Upon receipt of this information I will research this matter. Sincerely,GM Financial

Complaint: [redacted]
I am rejecting this response because: I have been in contact with GM Financial on multiple occasions and have been the sole person responsible for trying to figure out why GM Financial can't find my money. At no point prior to this response has anyone from GM Financial indicated to me that they couldn't provide me with information regarding this lease. While I appreciate your interest in protecting the information contained within my wife's lease agreement, the writer of this response is apparently the only one who feels it's necessary to do so. Regardless of your take on this matter, I was able to resolve this issue, and GM Financial is sending the money to me in check form, with my name on it. Perhaps if you were so concerned about the security of the information contained in this lease agreement it wouldn't have taken you over a month to refund the payment on a closed account.
Regards,
[redacted]

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.The information they require.[redacted]
Regards,
[redacted]

What's been stated by GM Financial about the specifics of my lease agreement terms are not in dispute and is the same exact response I've received following numerous other calls, emails, etc. to the company...which directly avoids my point of contention. GM Financial showed a balance of $0.00 until we went to pay our April payment at which point it was then showing 2 months due. We immediately made payment at that time. GM Financial's failure to maintain and implement it's website, as other customers have complained about on this Revdex.com forum, was the direct cause of my payment being credited 2 days past the 30 day mark. What's most troubling after reaching out to the company numerous times regarding my frustrations, is their failure to acknowledge fault or take steps to correct this customer service error which is the actual violation of the Fair Credit Reporting Act. Hiding behind dates and not acknowledging a system that a customer has informed them was misleading, flies in the face of the fairness that the Act was intended to uphold. I'm asking GM Financial to consider the entirety of the circumstances surrounding this March/April payment when determining if a late payment was indeed made as they are required to do under the FCRA.Regards,
[redacted]

March 21, 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, Rainbow 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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted]2, and find that this resolution is satisfactory to me.
Regards,
[redacted]

August 4, 2016
Re: Complaint ID: [redacted]
      [redacted]
Dear Ms. [redacted],
Thank you for the correspondence sent to the Revdex.com, please be advised
GM Financial has not changed its position regarding the request to reimburse any overdraft fees.
Our records reflect that the payment in question was submitted by you via [redacted] SpeedPay. Please note when selecting “Make Payment” within the [redacted] SpeedPay system, you agreed to and authorized this transaction. The payment method you chose to utilize is completely consumer driven, initiated, and authorized. As you were previously advised on June 17, 2016 when processing a payment via [redacted] Speed Pay if the funds do not clear on the first attempt, a second attempt will be made if your financial institution allows. GM Financial does not have the ability to stop or alter any transactions submitted using these payment methods. Therefore GM Financial is also unable to stop the second attempt even if additional arrangements have been made.
Please be advised GM Financial takes all complaints seriously and apologizes 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 additional questions regarding this matter, please feel free to contact GM Financial directly 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.
Please understand, to be eligible for the Auto-Pay option, the GM Financial account cannot have three or more returned items due to customer non sufficient funds (NSF) in the prior six-month period.
Should you have any further questions or require additional assistance, please feel free to contact Customer Service at ###-###-####.
Sincerely,
GM Financial

December 11, 2017
RE: Complaint ID: [redacted]       [redacted]
Dear Ms. [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

February 7, 2018
Re: Complaint ID: [redacted]
Dear Mr. and Mrs. [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 GM Financial...

received the payoff for the 2014 GMC Sierra from Somerset Buick-GMC, Inc. on January 24, 2018. On this same day, prior to the posting of the payoff a right to cure letter was sent to your address of record. A review of the account reflects your GM Financial lease account balance has been paid in full, and paid in full letter will be mailed to your address of record.
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 Lease Customer Service department directly at [redacted].
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 position has not changed regarding his matter. Please also understand that any fees to retrieve personal property are assessed by the repossession agent and GM Financial is unable to assist you with regard to these costs.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:  Here is my account number...[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.GM Financial is an indirect lender. All contract negotiations will need to be handled through your dealership.Sincerely,GM Financial

February 12, 2018
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 aware, GM...

Financial is an indirect lender and all credit decisions are based on the consumer’s credit files obtained by the credit reporting agencies at the time the application was submitted. Additional considerations included income and expenses as listed on the credit application signed by you, as well as the cost of the collateral.
As an indirect lender, we were not aware of any additional information outside of the information obtained from the credit application and the credit reporting agencies. Please understand that all contract negotiations would need to be handled between yourself and the selling dealer.
If you have any questions or require additional assistance, please contact GM Financial at 1-[redacted].
Sincerely,
GM Financial

January 29, 2018
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 23, 2012, you...

entered into a Motor Vehicle Consumer Simple Interest Installment Sale Contract (“Contract”) for a 2012 Dodge Avenger in the amount of $17,075.80 at an interest rate of 17.50%. Within the agreement, you agreed to repay the loan in 72 monthly installments in the amount of $387.41 per month, beginning June 7, 2012.
Our records reflect that on December 12, 2017, the vehicle was involuntarily repossessed as allowed by your contract. At this time the account was 118 days past due. 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.
Please note that the vehicle has not been sold and an auction date not yet been set. After the sale of the vehicle at auction, a “Deficiency Calculation” letter will be mailed to your address of record to inform you of the remaining balance owed.
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

My account number is [redacted] and I have all the necessary documents needed to support my complaint.Thanks,[redacted]

Thank you for the correspondence sent to the Revdex.com. GM Financial has reviewed your concerns and would like to provide the following information.
Please be advised that the repossession company that you referenced is an independent contractor and is licensed as such. Any claims...

against their company will need to be addressed directly with their company and/or licensing authority.
Should you have further questions please contact GM Financial at ###-###-####.

Sincerely,
GM Financial

July 28, 2017
RE: Complaint ID: [redacted]
[redacted] Bond
Dear Mr. Bond:
Thank you for forwarding the correspondence sent to the Revdex.com and would like to offer you the following response.
Please be advised that GM Financial places a high priority on adhering to all...

state and federal laws. The state of Maryland does require a Pre-Repossession notice to be sent prior to submitting the account for repossession. This notice was mailed to the address of record on May 10, 2017. The cure notice detailed the amount needed to cure and provided a cure date or date of last payment.
On July 4, 2017, GM Financial made the decision to place the account out for repossession due to the account being over 60 days past due and subsequently the vehicle was repossessed on July 11, 2017. A Notice of our Plan to Sell Property and Notice of Right to Redeem was mailed to you on July 12, 2017. This letter detailed the information and amount needed to reinstate the account. The letter also specifically states that any additional amounts coming due or expenses incurred that are not reflected on the notice, will be added to the total you must pay.
After a thorough review of the account it has been determined that the handling of the account including repossession was in compliance with all state and federal laws. Our records also reflect as of July 24, 2017, the reinstatement amount was paid and the vehicle is back in your possession.
Should you have further questions or concerns, please contact our office at [redacted].
Sincerely,
GM Financial