GM Financial

July 28, 2017
RE: Complaint ID: [redacted]
[redacted]

Dear Ms. [redacted]:
Thank you for forwarding the correspondence sent to the Revdex.com. I have reviewed your concerns and would like to offer the following information.
On April 13, 2014, you signed a Lease...

Agreement for a 2015 Chevrolet Malibu. Within the agreement, you agreed to a 48 month lease term with a monthly payment in the amount of $420.06 per month, due on the 13th day of each month.
Please note that the lease buyout amount quote reflects the remaining base rent payments due for the lease contract should you return the vehicle to a GM branded dealership. Per your contract, the full pay off balance is required to purchase the vehicle.
GM Financial is unable to accept the lease buyout amount for a full pay off as the responsibility for this contractual obligation remains.
We have mailed you a copy of your Lease Agreement which outlines this information. Please feel free to contact our office at [redacted] if you have further questions or concerns.
Sincerely,
GM Financial

Complaint: [redacted]
I am rejecting this response because: It appears that I will have to speak to a lawyer about this to determine if this really will be the final resolution on this. Months ago, I brought to GM Financial attention about these parking tickets that did not belong to me (I know that all conversation are recorded). I concerns were dismissed/ignored and was put on me to try and figure this out. It was at that time that I was even told by the City of Chicago, that if GM Financial insist on associating me with these parking tickets, I should seek legal advise. I have received parking tickets/violation (legal documents) and a bill for demand of payment to the amount of $1,294.44. The bill list out 18 parking tickets/violations and received only 13 so there wasn't even full disclosure of all of the parking tickets. I submitted two online complaints, which both were ignored. And, the fact that action was only taken once I raised this to Revdex.com appears to be the exact opposite GM Financial takes their customer serious. Nope. I don't think so. I have every right to dispute any charges, just like its my right to dispute credit card charges but yet, I have gotten daily recorded telephone calls and NOT one human being contacted me about this outstanding bill. Because if someone would have spoken to me, I would told them that I was disputing this bill. The way GM Financial handled this was 100% unacceptable.   
Regards,
[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 February 12, 2015, you entered into a Motor Vehicle Retail Installment Sales Contract (“Contract”) with The [redacted], Inc....

(“Dealer”) for the purchase of the 2015 Chevrolet Malibu. Employees of GM Financial were not present at the dealership 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. You promised to pay the amount financed of $28,827.69 and a finance charge of $11,870.31 which resulted in a total of payments of $40,698.00, if all payments are made on the contracted date they are due. It is important to understand that this Contract is a “simple interest” contract, meaning that interest is accrued daily on the unpaid portion of the amount financed, as indicated on the face of your contract, as well as on page two under “Finance Charge and Payments”. By signing the contract, you agreed to abide by these terms, including paying the principal amount plus finance charges accruing on the unpaid balance at the rate of 11.90% in 72 installments of $565.25 due monthly beginning on March 29, 2015. Currently, your account is 22 days past due for the May 29, 2016 installment due date.  A review of the most recent billing statement for your account dated June 9, 2016, reflects the past due amount in the amount of $565.25 owed for the May 29, 2016 installment due date and the current amount due in the amount of $565.25 for the June 29, 2016 installment due date; totaling $1,130.50. 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. At this time, you have not yet established enough payment history since your last deferred payments in order to be eligible for this type of payment assistance. Please also understand that if your account becomes eligible for a deferred payment in the future, all deferments are subject to management approval. We 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. Your concerns regarding your customer service experience have been relayed to upper management. Should you have any further questions or require additional assistance, please contact GM Financial at [redacted] Sincerely, GM Financial

Complaint: [redacted]
I am rejecting this response because: Due to the extreme  negligence of this company and their reporting practice I am no longer qualified to purchase my home. This is a direct result of the removal and subsequent readd of the account on my credit report.  I respectfully requested at least one month of payments waived so I can save enough for a security deposit on a place to live, but have been met with aggressive and rude operators. You'd think a company that ruined my life would be more willing to help over their profit margin.
Regards,
[redacted]

March 1, 2018
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 social security number and or account number. Upon receipt of this information I will research this matter.
Sincerely,
GM Financial

December 18, 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

Complaint: [redacted]
I am rejecting this response because:

The response from the company does not address my complaint - the fact that the finance company did not acknowledge the false information/misinformation provided to me with each attempt I made to resolve my financial hardships and inability to pay in accordance with the contract signed. When I made the last payment in the amount of $605.00 on 8/29/16 the payment was accepted and I was led to believe the company would continue to work with me to keep my vehicle. The fact that I was unable to speak with the company every day that they called - harassed during work hours every day - was explained the several times when I was finally able to answer and speak with the GM rep. The fact that there was an outstanding insurance claim was passed to every GM rep beginning with the voice mail message I left on the morning of 9/30/16 through to the person I spoke with through November. GM willfully decided to not file the clai** My complaint is that GM Financial did not provide fair business practices and willfully deceived me and my ability to file the insurance clai** I likewise kept in communication with Geico agents to advise that someone from GM Financial would contact the** If GM had contacted Geico as I advised, this matter would be closed and GM Financial would have the funds owed to them and significantly more than $7,000 - the amount reportedly earned from the sale of the vehicle.
Please address why the insurance claim was not filed, the lack of professional behavior of each GM rep, and the willful deceit in handling this matter.
[redacted]

March 15, 2018
Re: Complaint ID: [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 refund has been requested...

and completed. Check number 13214472, in the amount of $456.60 was sent to the address of record on March 13, 2018 via overnight mail, with a tracking number of [redacted]. Our records reflect that the check was delivered on March 14, 2018
Should you have any further questions or require additional assistance, please feel free to contact Lease Customer Service at ###-###-####.
Sincerely,
GM Financial

March 20, 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.
As of the date of this letter, your account currently ending in 73420 reflects a credit of $51.83.
Should you have any further questions or require additional assistance in regards to 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], and find that this resolution is satisfactory to me.
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.
Regards,
[redacted]

Thank you for the correspondence sent to the Revdex.com (”Revdex.com”). I have reviewed your concerns and would like to offer the following information. The address of record for the account will always be the garaging address for the vehicle; however, our records reflect that the PO...

Box address is reflected as your Billing Address.  Please note that after choosing your payment option online, either ACH or ATM/Debit Card, you are able to edit all fields under the Account Information section of the payment with the exception the GM Financial Account Number.  The editable fields include:First Name, Last NameAccount Address Line or PO Box NumberCity, State, ZipPhone NumberEmail Address Under the Payment Information section you may edit the following fields:Payment DatePay Other Amount We apologize for the miscommunication; however, should you have any further questions or require additional assistance, please feel free to contact GM Financial Lease Servicing at 1(800)369-5212. Sincerely,GM Financial

Thank you for forwarding the additional correspondence sent to the Revdex.com.   Our records indicate on February 10, 2016, you made arrangements to pay $100.00 per month, however GM Financial only received one payment with regard to this arrangement. Any agreements are now null and void as the payment arrangement was not kept.   Please note that your account is now with an outside agency and you will need to contact them with questions regarding any additional agreements made. The company has recently changed from NCC to TSI and you may contact them at [redacted].

January 11, 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.
Our records reflect that a Notice of Our Plan to Sell Property and Notice of Right to Redeem or Reinstate was mailed out to the address on file December 18, 2017. Should you require additional copies of the statutory notices, a subpoena is required.
Please be advised that GM Financial has made some long-planned system enhancements that will help us provide an overall better customer experience. During the upgrade process, access to your account online and by phone was unavailable. Advance notifications regarding this inaccessibility were included on billing statements and emails to our customers. In addition, alert messages and FAQs were placed on our website providing additional information regarding the improvements being made. Please note that GM Financial is working diligently to ensure that there are no negative impacts to our customers’ accounts. We apologize for any inconvenience you have experienced regarding this matter.
Please be advised that GM Financial has not changed our position regarding the account.
Should you have any further questions or require additional assistance, please contact GM Financial at [redacted].
Sincerely,
GM Financial

January 12, 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

I re-aver, re-iterate and re-allege all prior inquiries, complaints and responses as though copied herein in extensio. AmeriCredit & GM Financial have done way more than pay late at Christmas and the first month of college tuition. GM bailed out AmeriCredit and USA bailed out GM. Mr. Daniel E.  [redacted] has seen it all, yet I can't get help to be in a better position to buy a new GM product - a Buick Enclave or GMC Acadia - at income tax refund time. Is [redacted] still GM's Marketing chief?Lastly, it took almost a dozen inquiries to get documentation. Under the FCRA, the allowable delays were not met. Each such violation is actionable, with a minimum statutory liquidated damage amount.I will  get in touch with Mr. [redacted] and Mr. M[redacted] for their review during the Holiday Season.

January 16, 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 advised GM...

Financial is required to verify customer account information for each call to prevent third party disclosure and to ensure the protection of sensitive information. GM Financial will always request your GM Financial account number and/or your social security number as an alternate method if the account number is not provided or available. Please note that all information requested for account verification is the information associated with your GM Financial account and was provided by you at the time of account origination.
Our records reflect that you spoke with a representative on January 12, 2018 and the account notes were updated to reflect your intentions on the late fee payment of $74.37. We appreciate your patience. 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 at (800) 284-2271.
Sincerely,
GM Financial

August 18, 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 release of lien has been sent to [redacted]. Once the completed documents have been returned to GM Financial a new release of lien will be sent 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 contact GM Financial at ###-###-####.
Sincerely,
GM Financial

November 10, 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 January 14, 2011,...

you signed a Retail Installment Sale Contract (“Contract”) for a 2009 Lincoln MKZ in the amount of $25,124.01 at an interest rate of 17.95%. Within the agreement, you agreed to a repay the loan in 72 monthly installments in the amount of $576.53 per month, beginning February 28, 2011. 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 would be paid in full on the Contract maturity date.
In review of your account activity and payment history additional interest accrued over the life of the loan due to payments being made after the scheduled due date, and deferments that were processed at your request. Upon maturity of your account on October 15, 2017, the remaining balance became due in full. Our Expired Loans Department will work with you on making arrangements or rescheduling the remaining balance.
Our records reflect a payment history was mailed to your address of record on September 22, 2017. If you have any further questions or require additional assistance, please feel free to contact our GM Financial at 1-[redacted]
Sincerely,
GM Financial

March 21, 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.
A review of your account indicates that you enrolled for the Automatic Payment Plan (“ACH”) on January 18, 2017 and would be effective with your lease payment due on February 28, 2017. Please note, due to the Automatic Payment Plan that was set up, statements were not sent out.
As of January of 2018, this information is now available to you on your My Account profile. Included is a copy of your payment history for your review.
Should you have any further questions or require additional assistance please contact GM Financial at ###-###-####.
Sincerely,
GM Financial