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

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: 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 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].

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

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

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 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

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 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

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

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

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]

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

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]

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]

The consumer rejected our response but did not type in any reasons for her rebuttal.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], the last four of SSN is [redacted]
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because: According the Credit Bureau's a "Charged off" mean a debt was transferred or sold to a third party and is no longer being held by that creditor.  As you have already said, this loan is now being managed by Harvest. So, in lieu a Charged off debt no longer holds a balance and or payment. If in fact this loan still recides with GM, then it is not a Charged off debt. All of your coorespondences are contridicting each other. Please EXPLAIN how you are reporting accuratly and cannot change the reporting to the credit bureaus. How can a CHARGED OFF debt still hold a balance? 
Regards,
[redacted]