GM Financial

November 13, 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 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 have any further questions or are in need of additional assistance regarding this matter, please contact GM Financial at [redacted].
Sincerely,
GM Financial

August 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.
A refund has been requested...

and completed. A check in the amount of $1,212.45 was sent on August 3, 2017 via FedEx overnight, tracking [redacted].
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 Customer Service at [redacted].
Sincerely,
GM Financial

As I told GM Financial I have not received anything via mail and I have many witnesses that can account to that.  I also have not received any phone messages that identified themselves as GM FINANCIAL.  Now when GM Financial was trying to get the money from my insurance company they had no problem leaving messages with who they were and what they were trying to accomplish on my voicemail.  I receive many messages from telemarketers due to the nature of my work something I pointed out to GM FINANCIAL last time I talked to them.  They are standing on the fact that they left messages with a phone number for me to call saying that was their attempt to contact me.  My current understanding is that a debt collector has to identify themselves.  Now admittadly this might be an old or inaccurate understanding but when I asked GM FINANCIAL about this one simple point they would not answer me no mater what I said.  I have been making regular payments and with the lack of corrispondence from GM FINANCIAL I had no way of even knowing that they considered me late and that they were reporting on my credit.  This is the process that I am calling into question.  I told GM FINANCIAL that I have every intention of continuing payments but they are not even attempting to contact me.  I define an attempt by what they have done in the past.

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.
Our records reflect that the...

title/ lien was mailed on March 21, 2018 via FedEx tracking # [redacted] to the address of [redacted].
We apologize for any inconvenience this situation may have caused. 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:my payments were caught up. I paid everything up to date. the lady I spoke to on the phone told me the repo order was cancelled on the 19th of the month and my car wouldn't be towed. they should go into the recordings and listen to the conversation we had. I took care of the 560 and change like agreed. then over a week later my car was taken from my house with all my work equipment in it and I couldn't go to work because my keys were in there and all my tools. they might want to look up the unlawful repossession in new York state because what the did violated that law. when I called the bank the same day they told me there was no repo order opened and it shouldn't have been taken. took them 30 mins to find out what happened with my car.
Regards,
[redacted]

October 17, 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.
As outlined in your...

Lease agreement, you are responsible for Excess Wear and Tear and Excess Mileage charges as described within the Lease. Total termination charges are calculated after the Lease Termination Inspection is done to the vehicle.
As a courtesy, GM Financial waived $750.00 of the Excess Wear and Tear for the remaining lease payment as part of the GM Financial Loyalty Program. The program rules explain that any billable amounts that exceed $500 in excess wear or $500 in excess mileage will be the responsibility of the customer. As of the date of this letter a deficiency balance is still owed on the Lease in the amount of $354.08.
Should you have any additional questions regarding this matter please feel free to contact Lease Customer Service at [redacted].
Sincerely,
GM Financial

May 1, 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.
Please be advised that the late...

payments in question were paid online via MyAccount using Western Union SpeedPay on February 3, 2017 for the December of 2016 base rent payment, and March 3, 2017 for the January base rent payment. At this time the account was over 30 days past due for the December of 2016, and the January of 2017 base rent payment. These type of payments were customer driven, initiated and authorized.
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.
A payment history will be mailed to the address on file separately. 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

Thank you for the correspondence sent to the Revdex.com. I have reviewed your concerns and would like to provide the following information.On October 9, 2015 you entered into a Motor Vehicle Retail Installment Sales Contract for the purchase of a 2015 Chevrolet Silverado in the amount...

of $34,633.21 at an annual percentage rate of 12.00% due for a 60 month term in the amount of $773.94, beginning November 23, 2015. The contract is a simple interest contract which means interest accrues daily on the unpaid principal balance.Please note that GM Financial places a high priority on adhering to all state and federal laws. As per Texas law a cure notice was mailed on January 5, 2016, and a notice of acceleration was mailed on January 25, 2016 to your last known address prior to repossession. On February 24, 2016, the decision was made to place the vehicle out for repossession, as allowed by your Contract. At this time the account was 63 days past due for the 2nd installment payment due on December 23, 2015. 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 Texas is a redemption only state; therefore, the balance will need to be paid in full in in order for you to redeem the vehicle. Please understand that these funds need to be remitted to GM Financial in the form of certified funds like an official bank check or cashier’s check.Included for your review are copies of your Contract and Account Payment History. Please note that returned payments will not be reflected on this payment history. For additional copies of the statutory notices, a subpoena is required.Should you have any further questions or require additional assistance, please contact GM Financial at ###-###-####.Sincerely,GM Financial

March 7, 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 provide the following information.
Our records...

indicate that GM Financial issued a refund check in the amount of $891.60 on March 6, 2018 via [redacted] tracking # [redacted]
Should you have any further questions or require additional assistance please contact GM Financial at ###-###-####.
Sincerely,
GM Financial

September 29, 2016
Re: Complaint ID: [redacted]       [redacted]
Dear Ms. [redacted],
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 full GM Financial account number or social security number. Upon receipt of this information I will research this matter.
Sincerely,
GM Financial

Thank you for the additional correspondence sent to the Revdex.com. Please be advised that we have not changed our position regarding the status of your account. If you would like the refund released prior to the scheduled date of July 29, 2015, GM Financial will require proof of cleared funds for the payment.Should you have further questions or require any additional assistance, please contact GM Financial directly at ###-###-####. Sincerely,GM Financial

October 20, 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.
Our records reflect that check number [redacted] received on September 11, 2017, in the amount of $28,202.99 was cashed by GM Financial and then was returned as “Refer to Maker” on September 19, 2017. Please be advised you will need to contact your financial institution in regard to this matter.
Should you have any further questions or require additional assistance with regard to this matter, please contact Customer Service at (800) 284-2271.
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. Attached for your records is a copy of the Settlement Confirmation Letter. A hard copy has been mailed to your recently updated address of record. Please understand that 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. According to our records, GM Financial is allowing you to settle this account balance as a charged-off account in the amount of $1,000.00 to be paid in 6 installments due on the last day of each month beginning December 31, 2015. The final installment for the settlement amount is due on May 31, 2016. The next scheduled credit bureau reporting date for your account would fall on June 7, 2016 or June 8, 2016. You will need to allow the credit bureau reporting agencies 30-45 days from these dates to reflect the updates to your GM Financial tradeline.    Should you have any further questions or require additional assistance, please feel free to contact GM Financial at 1(877)203-5539. Sincerely,GM Financial

September 27, 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 our records reflect the title for the 2008 Volkswagen Jetta was delivered to the address you provided on September 26, 2016.
We apologize 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 additional questions regarding this matter, please feel free to contact GM Financial directly at ###-###-####.
Sincerely,
GM Financial

Complaint: [redacted]
I am rejecting this response because:The account has not been completely updated it only shows the $468. payment that I submitted on 1/15/18 the account HAS NOT BEEN UPDATED it states that I am late I could not be late if they received nine thousand dollar payment.   Plus the GAP payment was sent on Jan 5, 2018 not Jan 1, 2018 this is very suspicious GM has not updated the account at ALL the same information has remained.
Regards,
[redacted]

Revdex.com:
My social security number is [redacted]
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 additional correspondence sent to the Revdex.com. I have reviewed your concerns and would like to provide the following information.GM Financial has not changed its position regarding this matter. Please understand that under the Fair Credit Reporting Act (“FCRA”), GM Financial is required to report truthful and accurate information to the credit bureau reporting agencies. Our research concludes that the account status and the account payment history of your account have been reported to the credit agencies with truthful and accurate information; and as a result, we are unable to comply with your request to remove any valid delinquencies reported to the credit bureau reporting agencies.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 have reviewed your concerns and would like to offer
the following information.
 
Please be advised that GM Financial as removed your phone
number ###-###-#### from our records as you...

requested and you will no longer
receive phone calls.
 
We would like to apologize for any convenience this has
caused and please feel free to contact our office at ###-###-#### should you
have further questions regarding this matter.
 
 
Sincerely,
GM Financial

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my dispute.
Please enter your reason(s) for rejecting the business response below.
You are not replying to what I am saying. You are just wanting me to call. I have done that already and all your company does is lie. That is why I went to the Revdex.com. I am not calling until you make things right. All that will happen is that I will get another undertrained underpaid staff member who will lie to me, not follow through and it will just cause me more stress. Especially if I get mocked and mimicked again. You have lost a customer. And I will make sure that everyone I speak to knows to avoid GM financial, Americredit and GM products.You have stolen money from me through lies. And I will not be satisfied until you make it right. I am not asking for much, just what your employees lies have cost me and my family. I cannot believe that you are telling me that it is normal and acceptable for customers to be mocked, lied to, and caused financial harm. Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because:
My account number is [redacted]. I will await a response.
Regards,
[redacted]