GM Financial

May 17, 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 May 16, 2012 the decision was made to place the vehicle out for repossession, as allowed by your contract. At this time the account was over 60 days past due. The “Notice of Right to Redeem or Reinstate” and the “Notice of Our Plan to Sell Property” were mailed to the address of record on July 10, 2012. These notices explained that you would be required to pay the difference between the amount 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 the address of record on August 27, 2012 to inform you of the remaining balance owed.
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 account and credit agencies.
Please be advised GM Financial is required to send a 1099-C to the Internal Revenue Service when an identifiable event occurs, pursuant to the Internal Revenue Code and the attendant Treasury Regulation. GM Financial determined an identifiable event pursuant to the Internal Revenue Service regulation occurred for calendar year 2016 and sent a 1099-C to you as required by the Code and Regulations. Please understand that the debt was not canceled or forgiven rather it was discharged and deemed as a loss to the company. The 1099-C was sent as required by federal law.
Included for you review is a copy of your Account Payment History. If you have any questions or require additional assistance please contact GM Financial at [redacted].
Sincerely,
GM Financial

March 6, 2018
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 provide the following information.
Due to a recent enhancement, an issue was identified causing an additional itemized tax entry. As previously explained, you are only responsible for a payment in the amount of $224.56 due on the 27th of each month. The earn tax amount of $12.71 is included in the total installment payment of $224.56. We received your payment on February 28, 2018 in the amount of $224.56. Your account currently reflects a credit of $12.71.
We apologize for any inconvenience this has caused and appreciate your patience while we resolve this issue. Should you have any further questions or require additional assistance in regards to this matter please contact GM Financial at ###-###-####.
Sincerely,
GM Financial
...

Complaint: [redacted]
I am rejecting this response because:While it is true GM Financial's third party vendor can accomplish what GM says they cannot. However, I am going to have to incur additional fees to be able to do this. This is unacceptable unless GM is willing to reduce my payoff balance by the amount their third party vendor will charge me to do what GM should be responsible for. My contract is with GM and not with their vendor. I am still astounded by this situation. If GM Financial Leasing is unable to transact very common transactions regarding automobile financing in the state of Arizona, then perhaps they should not do business in that state and save all of us consumers these problems.
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.Our records reflect that a Power of Attorney for registration purposes was issued to you on October 30, 2015 and that you registered the vehicle on...

December 7, 2015.If you have any further questions or require additional assistance regarding this matter, please 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 a payment in the amount of $150.00 was received on March 3, 2016. We received another payment on March 4, 2016 in the...

amount of $130.00, and an additional payment on March 5, 2016 in the amount of $72.50, for a total of $352.50. All payments applied to the accrued interest balance and principal balance. Late fees in the amount of $69.94 have been assessing throughout the life of the loan and have not been paid, please see payment history. Your online account was unlocked as you requested, please be advised you will need to check your email as well as your spam email for notifications.
Included for your review are copies of the complete account payment history of your account. Should you have any further questions or require additional assistance, please feel free to contact Customer Service at ###-###-####.

Sincerely,
GM Financial

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. In order to help expedite our research, please also provide the tracking number and check information for the payoff check. Upon receipt of this information I will research this matter. Sincerely,GM Financial

August 2, 2016
Re: Complaint ID: 11596948
      [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.
I would like to apologize for the...

poor level of service you feel that you have received. Please be assured that GM Financial gives customer service a high priority and is totally committed to achieving excellence.
A refund has been requested and is being processed. A check in the amount of $291.78 was sent via regular mail to the address on July 28, 2016. Our records reflect this account is currently set up on the GM Financial Automatic Payment Plan.
Should you have any additional questions regarding this matter please feel free to contact Lease Customer Service at ###-###-####.
Sincerely,
GM Financial

July 27, 2016

Re: Complaint ID: [redacted]       [redacted]

Dear Mr. [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.
Our records...

reflect that GM Financial received the payoff on the account and has sent the vehicle release to the repossession agent. Please contact the repossession agent to make arrangements to pick up the unit. Please be advised the lien/title will be released in approximately 30 days.

Should you have further questions please contact GM Financial at ###-###-####.

Sincerely,
GM Financial

February 27, 2017
Re: Complaint ID: [redacted]
      [redacted]
Dear Ms. [redacted],
Thank you for the correspondence sent to the Revdex.com. We would like an opportunity to address your concerns, however additional information is required. At your...

earliest convenience, please forward us your full GM Financial account number or social security number. Upon receipt of this information we will research this matter.
Sincerely,
GM Financial

October
23, 2015Re:       Complaint ID: 1[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. The
online method of payment used in these types of transactions is initiated and
authorized by the customer only. GM Financial is unable to initiate or alter
payments on your behalf, as we do not keep customers banking account
information on file.Any
payments submitted after 5 p.m. Central Standard Time will post to your account
the following business day, with the exception of weekends and holidays. The
funds will be drafted from your bank account within 2 business days from the
posting date.Should
you have any further questions or require additional assistance, please contact
Customer Service 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. Our records do not reflect that you are currently blocked from access to MyAccount on www.gmfinancial.com. If you have already...

utilized the Forgot User ID and/or Forgot Password options and are still unable to access MyAccount, you will need to contact GM Financial by phone at ###-###-#### to speak with an Online Account Representative in order to troubleshoot your issues with online access. Hours of Operation:Monday through Thursday, 7:00 a.m. to 8:00 p.m. CTFriday, 7:00 a.m. to 7:00 p.m. CTSaturday, 7:00 a.m. to 4:00 p.m. CT 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 be advised GM Financial has not changed its position regarding the status of your account. Due to your contractual obligation a deficiency balance still remains on the account. Please understand that the title cannot be released until the deficiency balance has been satisfied. If you would like to make arrangements regarding this balance please contact GM Financial directly at ###-###-####.
Sincerely,
GM Financial

April 27, 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.   Review of your account reflects that the fees incurred for the May 13, 2016 repossession total $622.44. This amount includes a repossession fee of $460.06 and key fee of $162.38, including tax. On May 20, 2016, you paid $425.00 towards those fees in order to reinstate the lease, leaving a remaining balance of $197.44.   As of the date of this letter, your account is 12 days delinquent for your April 15, 2017 installment date. As a courtesy, we have requested a waiver in the amount of $18.24 for your April late fee. Please be aware that GM Financial reports to the credit bureau reporting agencies every thirty days. 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 offer the following information.
Our records reflect that GM Financial has submitted several requests to the credit bureau reporting agencies in an effort to update the credit bureau reporting of your lease account. As you have indicated errors still exist, please provide proof of these errors to GM Financial so that we may review further. All supporting documents can be faxed to GM Financial fax number ###-###-####.
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.
As of November 13, 2015, your loan was settled as a charged off account and has been closed. A credit bureau update has been submitted. Please...

allow the credit bureau reporting agencies 30-45 days to reflect these updates. Please also understand that any additional disputes submitted through the credit bureaus prior to these changes updating, may cause the credit agencies to void the update submitted by GM Financial.
Should you have any further questions or require additional assistance with regard to this matter, please contact Customer Service at ###-###-####.
Sincerely,
GM Financial

Thank you for forwarding the additional correspondence sent to the Revdex.com. I have reviewed your concerns and would like to provide the following information.On June 10, 2009, you entered into a Simple Interest Pennsylvania Motor Vehicle Installment Sale Contract (“Contract”) for the...

purchase of a 2009 Chevrolet Impala in the amount of $25,967.65 at an interest rate of 15.95%. Within the agreement, you agreed to repay the loan in 72 monthly installments in the amount of $566.31 per month, beginning on July 25, 2009.We empathize with the problems you experienced; however, the responsibility for this contractual obligation remains. All mechanical issues would have needed to be resolved between yourself, [redacted], and/or the manufacturer of the vehicle, if necessary. The vehicle was voluntarily repossessed from [redacted]’s lot on July 6, 2011. Our records reflect that you opted not to redeem the vehicle, and that the vehicle was sold at a private sale on July 28, 2011. Per your Contract, if the money from the sale is not enough to pay the amount you owe, you must pay the remaining amount to GM Financial. As of March 15, 2016, a deficiency balance still remains.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.Included for your review is a copy of your Contract and Account Payment History.Should you have any further questions or require additional assistance, please contact GM Financial at ###-###-####.Sincerely,GM Financial

August 22, 2017
RE: Complaint ID: [redacted]
      [redacted]

Dear Ms. [redacted],
Thank you for forwarding the additional correspondence.
Please be advised that GM Financial has not changed our position regarding the account.
A subpoena is required to obtain copies of internal documentation from GM Financial’s system of record.
Thank you for your time and insight regarding your experience with GM Financial.
Sincerely,
GM Financial

January 18, 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.
GM Financial understands your situation, however we are unable to remove the comments from the dispute. Please be advised if you are in complete agreement with the way GM Financial is currently reporting your account, we can update the comment to indicate that the previously dispute has been resolved.
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 it isn't correct. I called AutoVIN, the third-party vehicle inspection service used by GM Financial, today and they said that the vehicle still hasn't been scheduled for inspection because GM Financial hasn't put it in their system. There is a clearly a disconnect somewhere within GM Financial.Is there anything you can do to help us resolve this?Thank you,
[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.We are aware that incorrect information was  provided within our previous response regarding your interest rate and payment amount. Additional information that included the correct information of 17.25% APR and a mothly installment of $349.82, was sent with the promised copies of your Contract, Account Payment History, and Simple Interest Maturity Notice. These items were mailed to you on June 2, 2016, please allow 7-10 business days to recieve.Should you have any further questions or require additional assistance, please contact Customer Service at ###-###-####.Sincerely,GM Financial