GM Financial

March 15, 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.
As previously explained, please provide a copy of the plate cancellation receipt as this is required documentation by the county. This can be obtained from the DMV website. Upon receipt of this information I will research this matter.
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:The plates have ALWAYS been registered to my 2016 Chevrolet Equinox. That is the problem and why I get additional charges on my statement that are not mine. What is going to be done so that my statement will only show the charges for my lease payment and not charges for some car in Texas? I will not deal with this for the balance of my lease and having to go through the Revdex.com to get an answer that a phone call should have resolved.
Regards,
[redacted]

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.

Complaint: [redacted]
I am rejecting this response because: Although I finally received my registration information as indicated in GM Financials response, my account balance has never been fixed. They are saying I still owe almost $1,200 for taxes and the lease assumption fee. I can provide a copy of a check as proof that I paid this. I sent two emails, called, and explained it to the lady that called me to let me know I owed this money and asked me how I wanted to pay it. I should only owe $233 - $234 on 10/11. I don't know how I haven't received any credit from GM Financial for this hassle or the courtesy for someone to call and apologize for this happening and caring enough to try and rectify the issue. Frankly this is the only way I can get GM Financial to take any action and I've lost faith in them completely. I'm not looking forward to the end of my lease when I have to turn this car in and they try to gauge me for my complaint as well.     
Regards,
[redacted]

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

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 are currently being represented by an attorney with respect to your GM Financial account, we are unable to communicate with you further as all communications must be directed through your attorney pursuant to Federal law. Please have your attorney fax or mail in a letter of representation that includes his or her contact information to:

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.

February 27, 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

July 26, 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.
On March 19, 2016, you signed a Retail Installment Sale Contract...

(“Contract”) for the purchase of a 2016 Chevrolet Equinox in the amount of $31,785.00 at an interest rate of 7.90%. Within the agreement, you agreed to repay the loan in 72 monthly installments in the amount of $557.54 per month, beginning on May 3, 2016.
On March 9, 2017, the vehicle was involved in an accident and declared a total loss by USAA Insurance. On March 15, 2017, GM Financial quoted a payoff in the amount of $28,804.80 good for 10 days to USAA Insurance. On this same day, a notice was sent to your address of record which explained to you that you were still responsible for keeping your GM Financial account current during the insurance process, and until the balance was paid in full the account would still be subject to monthly credit bureau reporting. Please be advised within the contract, you agreed to pay us all you owed under the contract even if the vehicle is damaged, destroyed or missing. GM Financial received a payment from State Farm for the amount of $18,399.00 on March 27, 2017; however, insurance proceeds did not satisfy the balance on your account and a deficiency remained.
On June 29, 2017, your account balance was charged-off due to non-payment; at this time, the account was more than 120 days past due. On July 3, 2017 a Notice of Acceleration was sent to your address of record advising of the total amount owed under your contract. A review of our records reflects that attempts were made in effort to contact you regarding the status of your account prior to the charge off of the deficiency balance. On June 1, 2017, you spoke to a GM Financial representative who informed you of the status of your account and that it was still subject to credit bureau reporting. Per that conversation you declined to set up payment arrangements to cover the remaining balance. The GAP proceeds in the amount of $9,528.65 were received on July 3, 2017.
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 bureau reporting agencies with accuracy; and as a result, we are unable to make any changes or deletions to the credit bureau reporting.
Should you have any questions or require additional assistance regarding this matter, please feel free to contact GM Financial directly at [redacted].
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

Thank you for the correspondence sent to the Revdex.com. I have reviewed your concerns and would like to provide the following information.On September 26, 2014 you signed a Motor Vehicle Retail Installment Sales Contract for the purchase of a 2013 Hyundai Elantra in the amount of...

$11,799.27 at an annual percentage rate of 17.99% due on the 1st of each month for a 72 month term. The contract is a simple interest contract which means interest accrues daily on the unpaid principal balance.Notification of the type of contract is fully disclosed on the top of the first page of the contract. A full explanation of Finance Charges and Payments is explained on the back of your contract in the first section titled “FINANCE CHARGE AND PAYMENTS”.   When you signed the contract, you agreed to the terms of the contract and acknowledged receipt of the completed contract and that before you signed this contract, it was given to you and were free to take it and review it.GM Financial received payment for the August 1, 2015 installment due date on September 17, 2015; when the account was 47 days past due. The account was reported 30 days past due to the credit bureau reporting agencies on September 1, 2015.Please understand that GM Financial is required to report truthful and accurate information to the credit reporting agencies. Our research concludes that the account status and account payment history have been reported to the credit bureau reporting agencies with accuracy. As a result, we are unable to make any changes or deletions to the credit bureau reporting of your account.Included for your review are copies of your Motor Vehicle Retail Installment Sales Contract and Account Payment History. Should you have any further questions or require additional assistance, please feel free to contact GM Financial at 1(800)284-2271.Sincerely,GM Financial

Complaint: [redacted]
I am rejecting this response because:
If I agreed to 13.95 % interest that is already factored into my monthly payments of $361.11, how can you also charge me daily interest on top of that, Also your website says I have 9 payments, but when you request a payoff on the account, the amount owed is much more than the 9 payments!
Regards,
[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 March 28, 2015 you entered into a Retail Installment Sale Contract (“Contract”) with [redacted] Chevrolet for the 2011 Chevrolet Malibu. GM...

Financial employees were not present at [redacted] Chevrolet (“Dealer”) 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.
Please note that GM Financial places a high priority on adhering to all state and federal laws. As required by La. Rev. Stat. Ann. § 6:966, a notice was mailed to your last known address on January 5, 2016, this notice also explained that Louisiana law permits repossession of motor vehicles upon default without further notice or judicial process. On May 3, 2016 the decision was made to place the vehicle out for repossession, as allowed by your contract. At this time the account was over 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.
We empathize with the problems you may have experienced with the vehicle; however, the responsibility for this contractual obligation remains. All mechanical issues would have needed to be resolved between yourself, [redacted] Chevrolet, and/or the manufacturer of the vehicle, if necessary.
Please understand that storage charges accrue daily and are owed separately to the repossession agent. The State of Louisiana is a redemption only state; however, in an effort to assist you GM Financial allowed reinstatement of the vehicle for the payment of the past due and late fee balances, and recovery costs. Our records reflect that you completed the reinstatement of this vehicle on May 10, 2016.
If you would like to obtain an additional copy of the notice mailed to your last known address on January 5, 2016, a subpoena is required.
Copies of your Contract and payment history have been included for your review. If you have any further questions or are in need of additional assistance regarding this matter, please contact GM Financial at ###-###-####.
Sincerely,
GM Financial

Complaint: [redacted]
I am rejecting this response because: I have provided the Revdex.com with proof of contact initiated by GM Financial as discussed in my original complaint on 28 NOV 2017 at my work number. And a cease and desist was only for my work number. It does not preclude a standard statement, either electronic or regular mail. Nor does it preclude the late emails that GM has sent in the past such as the one I received for August 2017 when I requested the deferment. I have also provided GM with an email from [redacted] stating a deferment was placed on my account. While GM is required to accurately report, GM is also required to back up the representations made by its representatives. I was led to believe this was a resolved deal prior to the due date. I was not informed it was late or open on the 28th when GM initiat d contact or through the standard means used any other month. 
Regards,
[redacted]

January 25, 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

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 date of inquiry. Upon receipt of this information I...

will research this matter.
Sincerely,
GM Financial

December 11, 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...

reflect that you were enrolled automatic monthly ACH payments to draft on your due date of the 21st of every month. Please note, you were advised on November 18, 2017 and November 20, 2017 that we require a notice of 5 business days in order to cancel the automatic payments and that the payment scheduled for November 21, 2017 would still draft.
Please be aware, the payoff check received from Burt Watson Freeland Chevrolet contained an incorrect account number and did not contain any information pertaining to you or your account. GM Financial was contacted by the dealership on November 21, 2017 and additional information was provided to locate the funds in question. The payoff was posted to your account on November 30, 2017 with an effective date of November 7, 2017.
The overage refund is scheduled to be sent to you on December 30, 2017 per the standard time frame. You may contact our customer service department and provide proof of cleared funds for the November 21, 2017 payment in order to request an expedited refund.
We would like to apologize for any inconvenience you have experienced as a result of this situation. Should you have any additional questions regarding this matter, please feel free to contact GM Financial at [redacted].
Sincerely,
GM Financial

June 22, 2017
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.
Please be advised that a Lease Assumption is not a part of the original contract term. The option of third party is subject to credit approval and additional requirements. A refund has been requested and is being processed for the Lease Assumption fee in the amount of $595.00, and will be sent via regular mail. Please allow 7 to 10 business days from the time the check is issued for it to be received.
GM Financial has requested that the appropriate credit reporting agencies remove the GM Financial inquiries from your credit report dated for May 1, 2017 and June 6, 2017. In the event that the credit bureau reporting agencies are unable to delete the inquiries, we have asked that at a minimum 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.
Copies of the Inquiry Removal letters have been included for your review. Should you have any further questions or require additional assistance, please feel free to contact GM Financial at [redacted].
Sincerely,
GM Financial

September 18, 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

GM Financial is stating that vital recovery should answer questions however GM Financial is reporting the account status. The reporting of this account as derogatory is incorrect and vital recovery agreed to remove this account upon payment. This account was paid as per the settlement yet the remove of the account was not completed by GM Financial. I also plan to submit a complaint for Vital Recovery as they need to address their actions as well. GM is responsible for the account status and needs to update the account per the agreed terms with Vital Recover