GM Financial

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following informationOn June 5, 2010, you entered into a Motor Vehicle Retail Installment Sales Contract (“Contract”) with [redacted] for the purchase of the Chevrolet CorvetteAmeriCredit Financial Services, Inc(“AmeriCredit”) employees were not present at [redacted] (“Dealer”) during the signing of the contract and AmeriCredit was not an original contracting party in any agreements between the two partiesThe contract was subsequently assigned to AmeriCreditOn October 1, 2010, AmeriCredit was purchased by General Motors, and the company name was changed to GM Financial Within the contract, you promised to pay the amount financed of $24,and a finance charge of $12,which would result in a total of payments of $36,966.24, if all payments are made on the contracted date they are dueIt 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 contractExplanation of interest accrual, application of payments, and how late or early payments change what you must pay is explained on page two of your contract under the section titled “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 15.15% in installments of $513.42, and any other charges within this contract A review of your account activity and payment history reflects that additional interest accrued over the life of the loan due to payments being made after the scheduled due date, three due date changes, and deferments that were processed at your requestThroughout the time your account has been active, deferments were processed for the months of October and November of Because of the due date changes and deferments processed at your request, the maturity date of the account moved to September 15, A deferment agreement was e-mailed to you at [redacted] on October 17, 2011; and our records reflect that you acknowledged this agreement online on the same date with an Acknowledgement number of Within this agreement you were advised that interest will continue to accrue during the month(s) deferred on the unpaid balance of the contract at the rate specified in the contract and any deferment fee collected may not be sufficient to pay this accrued interest, and that this would result in a final higher payment due at the end of your contract on the new maturity dateAn additional notice regarding interest accrual was reflected on the first billing statement following the deferred installment periodOn September 15, 2015, one year prior to the maturity date of your contract, the Simple Interest Maturity Notice was mailed to all parties to the Contract at their last known addressThis notice advised you of the balance of your account as of the date of the notice and that based on your payment amount and the balance of your account, it was anticipated that your final payment due at maturity will be more than your regular monthly payment amountInterest accrual was again explained within this notice.Finance Charges have been assessed as per your contract and within the maximum amounts permitted for this sale by state or federal lawAdditional copies of your Contract, Account Payment History, the electronically acknowledged deferment agreement, the billing statement dated November 20, 2011, and the Simple Interest Maturity Notice mailed to you on September 15, 2015, have been mailed to your address of record for your reviewPlease allow 7-business days to receiveAt this time the payoff amount for your account is $2,726.53, good for ten days through June 26, This amount includes the following:PRINCIPAL AMOUNT: $2,699.71INTEREST DUE: $26.82INTEREST PER DAY: $Please understand that once your maturity date expires, the remaining balance becomes due in full and the account will continue to report to the credit bureau reporting agenciesIf you are unable to pay this balance in full at one time, GM Financial provides assistance in the form of a Final Installment Payment Agreement, where the remaining balance is rescheduled for a specified timeframe at 0% interestAfter your loan matures on September 15, 2016, and if you would like to take advantage of this assistance, please contact GM Financial’s Expired Loans department at ###-###-####Should you have any further questions or require additional assistance, please contact GM Financial’s Customer Service department at ###-###-####Sincerely,GM Financial

July 11, Re: Complaint ID: [redacted] Dear Ms***, Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information Please be advised, as a customer courtesy, GM Financial has waived $in late fees that assessed on your accountThis information will appear on your next billing statement Should you have any further questions or require additional assistance regarding this matter, please feel free to contact GM Financial directly at [redacted] Sincerely, GM Financial

July 10, Re: Complaint ID: [redacted] Dear Ms [redacted] , Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information A review of your account reflects all requested documents were received by GM Financial as of July 3, Please be advised the insurance repair check in the amount of $5,005.16, was issued by GM Financial to Caliber Collision on July 7, We apologize for any inconvenience this situation may have caused Should you have any further questions or require additional assistance regarding this matter, please feel free to contact Lease Customer Service department directly at [redacted] Sincerely, GM Financial

This is a generic response, I take it no one read my last request for a very specific letter on a GM Letter headPlease once again read my last request sent to GM through the Revdex.com.?

May 30, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] M [redacted] Dear Miss [redacted] , Thank you for the additional correspondence sent to the Revdex.comAs previously explained, I would like an opportunity to address your concerns, however additional information is requiredAt your earliest convenience, please forward me your social security number and or account numberIf you cannot provide this information, please contact GM Financial at ###-###-#### for further assistance Sincerely, GM Financial

Complaint: [redacted] I am rejecting this response because:? GM has held my lease payments now for days and after more than phone calls, each lasting around minutes minimum, GM cannot confirm they have released my money.? They have also not agreed to pay for overdraft charges from my bank because of this situation.? I received a response from GM via Revdex.com on 5/and today is 5/and still no refund money has been sent? ? Regards, [redacted]

complaint ID [redacted] last of my ssn#***

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] 2, and have determined that this does not resolve my dispute To whom it may concern, My complaint number is [redacted] I am responding to the information you have received from GM FinancialLet me start off by saying that I have spoken to a couple of different supervisorsOne of the supervisor informed me that my payment was received in the payment department and cashed and they could not read the back of it and transfer it to another department I feel that as a paying customer who has not been late with any of my payment , should not be penalized for something it the company’s faultThis is not fair to paying customer who do right by the systemIt’s not fair to me that the company wants me to pay for there mistakeI do not have extra money for there mistakeThey are charging me late fees for something I had paid on timeThis is unacceptableI have all my receipts from the time I received the carAll payment made on timeFor me to be told by the Revdex.com I need to get a copy of the front and back of the money order is unacceptableI would like for the Revdex.com to ask the GM Financial leasing company where does the payment goes when it the payment are mailed it in to there companyThe money order was mailed in with the statement that is received and mailed back in with the paymentThe account number is on the statementThe account number was on the money orderExplained to me, what is so hardI am not trying to be difficult, but it’s the principalI feel that GM Financial leasing is not cooperating in this matter They had no problem cashing my July payment along with all the other payment they receivedThey stated that they will investigate, but I feel that they did not dig deeper to resolve the problemWhoever you get on the phone, is only reading what notes someone enteredThis is not helping the customerThey should start from the beginning when the payment was first received from there ADP departmentThey have my payment and the statementThere was a male supervisor that hung up this eveningIt does not matter if the customer is irate or notYou do not hang up on a customerThis is not how you do businessWhat if the shoe was on the other footNow, I want to know how and what is the Revdex.com is going to do and handle this problem Please get back to me Regards, [redacted]

March 23, Re: Complaint ID: [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 do not reflect that your GM Financial account is being reported to the credit agencies as a paid charge-off Should your records reflect this, please forward a copy of your credit report to fax number ###-###-#### for review Should you have any further questions or require additional assistance with regard to this matter, please contact Customer Service at ###-###-#### Sincerely, GM Financial

January 20, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] Dear Ms [redacted] , Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information On March 26, 2016, you entered into a Retail Installment Sale Contract (“Contract”) with Hall Honda for the Honda Accord in the amount of $27,at an interest rate of 16.20%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning April 25, On September 30, 2016, the decision was made to repossess the vehicle, as allowed by the contractAt this time the account was days past due and GM Financial had not been made aware of any pending insurance claimsPlease be aware, numerous efforts were made to contact you regarding the status of this accountThe 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 Included for your review is a copy of the Contract and Account Payment HistoryIf you have any further questions or are in need of additional assistance regarding this matter, please contact the Loss Recovery Department at [redacted] Sincerely, GM Financial

April 25, 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 reporting agencies Please be aware, our records reflect the following months for the account were reported days past due for November and December 2015, January, August, September, October, November and December 2016, January, March and April The account was not reported for any of the months deferred Due to a recent enhancement, an issue was identified Consistent with our obligation to report only accurate information, GM Financial has suppressed reporting while remediation efforts are ongoing Based on your inquiry, we submitted an update to the credit reporting agencies regarding the current status of your account Please allow the credit bureau reporting agencies 30-days to reflect these updates We apologize for any inconvenience this has caused and appreciate your patience I have mailed a copy of your account payment history and a credit rating letter for your review If you have any additional questions regarding this matter, please feel free to contact GM Financial at ###-###-#### Sincerely, GM Financial

March 6, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information Per our conversation on March 6, 2018, GM Financial verified that you received the title for your account ending in [redacted] We apologize for any inconvenience this situation may have causedShould you have any further questions or require additional assistance in regards to this matter, please contact GM Financial at ###-###-#### Sincerely, GM Financial

March 19, Re: Complaint ID [redacted] *** [redacted] Dear Ms [redacted] , Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information Our records reflect, a refund has been requested and completedA check in the amount of $was issued to the address of record on March 16, GM Financial is unable to honor your request to refund $in bank fees as this situation was not caused by a GM Financial error Should you have any 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 have determined that this does not resolve my dispute.Please enter your reason(s) for rejecting the business response below.The $should have been quoted to Progressive Insurance, and I believe that it was reflected in the initial payoff quote to them on August 8th? However, it was later updated and a lesser amount was agreed upon by GM to close out the account which apparently was after my pay payment? I will continue to dispute this until the money is refunded? The full payoff amount should have been charged to Progressive after being notified that the car was a total loss? Furthermore, customer service should have explained to me the process of cancelling through the Western Union System, because not only did I request that payment be stopped, but I was under the notion that once the account was paid in full no further payments would need to be made on the account? It is also ridiculous that I now have to dig through records and come up with sufficient proof to show GM Financial of the over payment? The check that was sent to Capital One to pay off the trade prior to the lease was $more than what was owed on that loan? Capital One insists the overpayment would have been sent back to GM Financial? The remaining balance on the car was rolled over into the lease on the new car and subsequently financed and GM Financial told me the overpayment would be applied to my final payment? Now I am being told there is no record of it and to provide proof? ? Imagine that? I am really wishing I didn't just take out a new lease through GM Financial? I will contact Capital One and obtain documentation showing what they received from GM Financial and what I sent them for final payment.? Regards, [redacted]

Complaint: [redacted] I am rejecting this response because: Regards, [redacted] ? [redacted] GM never informed me of any of this, I called and spoke to a repOn Nov17, and she told me My Recurring payment were active and I had nothing to worry aboutSbe never in formed me I need to take any other actions regarding my paymentsGM is refusing to take responsablity for their miscomunication and misinformtion.I do not have access to this email account and never recived us mail or a phone callAgain I made a call to customer service ? and was told My recurring payment was good on November 17, After they ended my payments, Not Me as they are trying to sayTbey are liers.?

Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information.Our records reflect that on December 28, 2009, you obtained a payoff quote in the amount of $720.25, good through January 7, Later on this same date GM Financial received a payment submitted online through Western Union Speed Pay in the amount of $140.00, leaving a balance of $Our records further reflect that from December 29, through January 5, 2010, six automated telephone calls were made to the telephone number of ###-###-####With regard to the address on file, GM Financial received several returned billing statements in and also attempted numerous times to reach you by telephone regarding the status of your account and to verify your address between October 29, and January 5, During this timeframe, messages were left on your voicemail and with parties who answered the telephone at ###-###-####Our records do not reflect that any of these calls were returned, nor do they reflect that you contacted GM Financial until March 18, 2016; at which time you updated your addressPlease understand that you’ve also had the option to update your address information online at any timeThe letters dated December 29, and January 5, were mailed to the only address we had on file for you at that timeOur records do not reflect that these letters were returned to GM Financial.Validation of the late fee balance has been provided to you in the form of your account payment history and contractThe title for the vehicle was mailed to your updated address and faxed to Jennifer at ###-###-#### on April 8, Should you have any further questions or require additional assistance, please feel free to contact Customer Service at ###-###-#### or [redacted] .Sincerely,GM Financial

May 9, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] Dear Ms [redacted] , Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information As previously explained, the insurance proceeds received from [redacted] and your GAP claim were applied to your account balance and were not enough to pay the amount you oweAs of the date of this letter a deficiency balance is still owed on the account in the amount of $good through May 19, Please note the payoff quote is subject to change if the payoff expires, changes to the account payment history occur or fees assess to the account Should you have any further questions or require additional assistance please contact GM Financial 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: GM Financial received funds from me which were lost for weeksI have yet to receive an explanation for how this happenedPersonally, I feel that the credit should remain on my account and the money should be refunded to meMore importantly, I hope this response serves as a warning to other consumersThis situation cost me time, interrupted multiple work weeks, and elevated my anxiety to a terrifying degreeI felt helpless throughout the entire experienceUltimately, a corporation took money from me and failed to provide the purchased service (lease account credit) for weeksThere was nothing I could do and no way to hold them accountableI did not feel like resolving the issue was a priority for GM Financial Regards, [redacted] ***?

January 15, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] ? Dear Mr [redacted] , Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information As previously explained, this account was paid off on July 11, GM Financial received a bill from the state of Kentucky on July 19, via an electronic file and was paid by GM Financial the same dayThe account was thru billed for the property tax from Kenton County on July 19, 2017, the balance on the account is $Please be advised that Kentucky does not offer refunds on partial years As outlined in the lease agreement (See Page 2, under Other Terms and Conditions, Section H), you are responsible for personal property taxes, sales, use or similar taxes assessed on the vehicle whether such fees or taxes are billed during or after the lease term, and whether you are billed by the government or whether we pay them and bill you for them or include the amount of such taxes as part of your scheduled payment Should you have any further questions or require additional assistance, please feel free to contact Customer Service at [redacted] Sincerely, GM Financial