GM Financial

February 8, 2018
Re: Complaint ID: [redacted]       [redacted]
Dear Mr. [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

I greatly appreciate your review into this matter and yes the research did conclude they did adhere to the policy. However, my request for review was not to see if policy was followed, but to show how the word choice provided set an expectation that no issues should have prevented the deferment to become available. Since they are subject to management approval, I was asking if this can be done as a courtesy in the eyes of customer service. The contract nor the policy were ever in question. Your response was aimed towards the adherence to policy and not the wording of the conversation and how it could have led to false hopes. Thank you.

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.
As long as their words and actions align. 
Regards,
[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 December 17, 2012, [redacted] entered into a Retail Installment Sale Contract (“Contract”) for a...

2011 Hyundai Accent in the amount of $7,143.40 at an interest rate of 11.25%. Within this contract, both parties agreed to pay installments of $156.95 per month for 60 months beginning on January 31, 2013; and if the payment is not received in full within 10 days after it is due the parties agreed to pay a late charge of 5% of the part of the payment that is late with a maximum charge of $5.00.  As this is a simple interest contract, meaning that interest accrues daily on the unpaid principal balance; there is no grace period.
 
Courtesy payment reminder calls are made to all parties of the contract if the payment is not received in full within 5 days after it is due. Our records indicate that the last call made to any party of this account occurred on May 8, 2015 at 11:33AM. On this date the April 30, 2015 installment payment was 8 days past due. Our records reflect that a payment was submitted online via Western Union’s Speed Pay system on May 8, 2015 at 5:35PM.
 
Please be advised that a cease and desist has been documented on the account for your telephone numbers only. While you may no longer receive phone calls regarding the status of the account, GM Financial will continue to communicate with you to the extent allowed by law.
 
Included for your review is a copy of the Retail Installment Sale Contract. A copy of the Account Payment History will be sent to your address of record within 7-10 business days.
 
Should you have any further questions regarding your GM Financial account, please feel free to contact Customer Service directly at ###-###-####.
 
Sincerely,
GM Financial

December 26, 2017
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

Complaint: [redacted]
I am rejecting this response because: Either you have not read my correspondence or you are trying very hard to not answer my concerns/questions. 1. I made 2 payments of 12.71 because you sent me two invoices saying payment due. DO I HAVE A CREDIT BALANCE REFLECTING 2 PAYMENTS?  Yes or no? 2. I have made several monthly lease payments in advance. WHAT IS THE AMOUNT OF CREDIT BALANCE OF THESE ADVANCE PAYMENTS?? 3.  WHAT IS MY TOTAL CREDIT BALANCE AS OF WHAT DATE?Please direct your attention to answering these 3quesis. 
Regards,
[redacted]

Thank you for the additional correspondence sent to the Revdex.com. Ihave reviewed your concerns and would like to offer the following information. Upon review of the account, GM Financial has submitted an update and forwarded the proper documentation to all three majorcredit...

bureaus. Please allow 30-45 days for this information to update and reflect accordingly.  Should you have any additional questions regarding this matter please feel free to contact GM Financial at ###-###-####.Sincerely,GM Financial

Thank you for forwarding the additional correspondence sent to the Revdex.com. Please be advised GM Financial has not changed its position regarding the status of your account
Should you have any further questions or require additional assistance with regard to this matter, please contact GM Financial at ###-###-####.
Sincerely,
GM Financial

October 23, 2017
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

Complaint: [redacted]
I am rejecting this response because: I received a call from the lender shortly (10 days maybe)  after signing the contract for the car asking me questions. I answered her questions and after I did so she welcomed me to the GM family and advised me I would be getting a welcome packet in the mail. My Credit Application was approved based on my income and credit at the time in December when first sent from the dealer.
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because:You have handled this entire situation car free. Then you insult my intelligence by stating that you are "waiving the $526.91". You are not waiving anything, you are correcting your mistake by removing the 526.91 that I never owed you in the first place and if your dealership would have don't their job and immediately went to GM financial and said, Ronnie [redacted] just returned his Terrain on April 19th, 2017. Then we would not have this problem and I would not be taking time out of my work day to fight this and correct my credit. With what you have put me through, your offer is unacceptable and offensive. Get my credit fixed. NOW!  
Regards,
[redacted]

June 8, 2017
Re: Complaint ID: [redacted]
      [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 January 17, 2017,...

you entered into a Retail Installment Sale Contract (“Contract”) for a used 2015 GMC Yukon with AutoNation Honda Chandler. GM Financial was not present at AutoNation Honda Chandler during the signing of the contract and was not privileged to any agreements between the two parties. The contract was subsequently assigned to GM Financial.
We empathize with the problems you may have experienced; however, all mechanical issues would need to be resolved between yourself, AutoNation Honda Chandler and the manufacturer of the vehicle, if necessary. If you would like to discuss this matter further with the manufacturer of your vehicle, please contact the GMC Customer Assistance line at [redacted].
Should you have any further questions, please feel free to contact GM Financial at [redacted].
Sincerely,
GM Financial

February 22, 2018
Re: Complaint ID: [redacted]       [redacted]
Dear [redacted],
Thank you for the correspondence sent to the Revdex.com. I have reviewed your concerns and would like to provide the following information.
Please note on September 5, 2012, you...

signed a Retail Installment Sale Contract for a 2012 Chevrolet Traverse in the amount of $34,606.57 at an interest rate of 11.90%. Within the agreement, you agreed to repay the loan in 72 monthly installments in the amount of $678.11 per month, beginning October 20, 2012.
On November 21, 2017, the decision was made to place the vehicle out for repossession, as allowed by your contract. At this time the account was 60 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.
Unfortunately, we are unable to comply with your request to alter the terms of your Contract. Please understand that GM Financial does not offer refinancing at the time or similar programs; as a result, we are unable to offer you any opportunity to reduce the payment amount or interest rate. We empathize with the problems you may have experienced with the vehicle; however, all mechanical issues will need to be resolved between yourself, the dealership, and/or the manufacturer of the vehicle, if necessary.
Should you have any further questions or require additional assistance please contact GM Financial at (800) 284-2271.
Sincerely, GM Financial

February 15, 2018
Re: Complaint ID: [redacted]       [redacted]
Dear [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 August 6, 2017, the...

vehicle was involved in an accident and declared a total loss by
GEICO General Insurance Company (“GEICO”). On August 16, 2017, GM Financial received a payment from GEICO in the amount of $21,793.20. On September 11, 2017, The GAP proceeds from American Auto Guardian, Inc. (“AAGI”) were applied to your account in the amount of $7,443.79. Once the insurance and GAP proceeds were applied to the remaining contract liability, you still had a balance of $808.37. The pro-rated warranty refund in the amount of $344.62 was subsequently applied to your account, leaving the remaining balance of $463.75.
In an effort to resolve this matter, GM Financial has processed a waiver for the remaining balance. Your account now reflects paid in full.
If you have any questions or require additional assistance, please contact GM Financial at 1-[redacted].
Sincerely,
GM Financial

February 6, 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 offer the following information
On May 3, 2017, you...

entered into a Closed End Motor Vehicle Lease for the 2017 Chevrolet Silverado. Within the agreement, you agreed to a 36 month lease term with a monthly payment in the amount of $328.50 per month beginning May 3, 2017.
Our records indicate your enrollment in the GM Financial automatic payment plan began on July 3, 2017. Review of your account reflects that no payment was received in the month of June 2017 and your account has been running a month behind since that month. Please be advised that the last payment posted to the account on February 3, 2018 satisfied the January 3, 2018 installment that was due. You are currently still due for your February 2018 installment payment. Please be aware, numerous efforts have been made to contact you regarding the status of your account.
Should you have any further questions or require additional assistance, please feel free to contact GM Financial Customer Service at 1-[redacted].
Sincerely,
GM Financial

November 7, 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.
Our records...

indicate that the refund check in the amount of $100.00 was sent to your address of record on November 6, 2017 using FedEx overnight, Tracking #[redacted]. Please be assured that GM Financial gives customer service a high priority and is totally committed to achieving excellence. We would like to apologize for any inconvenience you have experienced as a result of this situation.
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

July 27, 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.
A refund has been requested...

and is being processed. A check in the amount of $320.55 will be sent via regular mail to the address of record in the next couple of days. Please allow 7 to 10 business days from the time the check is issued for it to be received.
As outlined in the Lease agreement, you will be responsible for any base rent and late charges due at the time the vehicle was turned in. In addition to any excess wear and tear and excess mileage charges. Total termination charges are calculated after the Lease Termination Inspection is done to the vehicle. A final bill will be mailed to you if there are any charges pending after the vehicle was turned in.
We apologize for any inconvenience you have experienced as a result of this situation. Please be assured that we value your business and hope that you choose to continue to be a loyal GM customer.
Should you have any additional questions regarding this matter please feel free to contact Lease Customer Service at [redacted].
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. Please also include a copy of the disputed GM Financial information from your credit report. Upon receipt of this information I will research this matter.  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] I suppose I do not have a choice and will be sending out 710.91 with in the next few weeks. However I no longer have an account with them and will call to find out what I shall put on the check so it gets credited to the right account.

March 29, 2017

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.
GM Financial has requested that the appropriate credit reporting agencies remove the first GM Financial inquiry from your credit report, as the second inquiry resulted in a Lease Assumption. In the event that the credit bureau reporting agencies are unable to delete the inquiry, we have asked that at a minimum that they convert the hard inquiry to a soft inquiry. Please be advised that it can take the credit reporting agencies four to six weeks to update your credit report.
We apologize for the poor level of service he feels he has received. Please be assured that GM Financial gives customer service a high priority and is totally committed to achieving excellence. We appreciate you bringing this matter to our attention and apologize for any inconvenience this has caused.
Should you have any further questions or require additional assistance with regard to your lease account, please contact me directly at the number below.
Sincerely,
GM Financial