GM Financial

December 13, 2017
Re: Complaint ID: [redacted]       [redacted]
 Dear Ms. [redacted],
Thank you for forwarding the additional correspondence.
Please be advised that GM Financial has not changed our position regarding the account.
Thank you for your time and insight regarding your experience with GM Financial.
Sincerely,
GM Financial

Complaint: [redacted]
I am rejecting this response because:if that is the case then 2307 should be reported late. The $170 was not established yet at that time. 
Regards,
[redacted]

Complaint: [redacted]
My account number is [redacted]. I was able to put a stop payment on my account through my bank at a cost of $25.  I expect to be reimbursed for since I called your company a week ago to cancel this payment and it was not done. I also spent over an hour and a half on the phone with GM financial last night again trying to cancel this payment. All three times I called it took over 30 minutes to get to a representative. And only one of them was helpful. 
Regards,
John [redacted]

Thank you for your response. While I am not disputing having
a signed contract with your business regarding repayment of an auto loan for a
2014 Nissan Maxima, my contention is that such contract was terminated in
December 2015 when I contacted your business and requested that the 2014 Nissan
Maxima be repossessed and to this date, the 2014 Nissan Maxima is yet to be
assigned for repossession.
During this entire ordeal, I have kept in constant contact
with GM Financial and kept them abreast of what had been transpiring. I
contacted them in December 2015 shortly after [redacted] had been
incarcerated and informed GM Financial that the police and my insurance company
have not been any assistance in locating and securing my car even when neither
of the registered owners were in possession of the vehicle.
When I initially contacted GM Financial in December 2015
requesting that the vehicle be repossessed, I was informed by GM Financial
staff that although I am requested repossession, GM Financial was unable to do
so with the account being current and was instructed to miss a payment first in
order for repossession procedures to begin. I did as instructed, and missed the
December 2015 payment and called GM Financial after missing said payment and
asked when the 2014 Nissan Maxima would be scheduled for repossession and was
informed that, repossession procedures are not instituted with just one missed
payment. I then missed January 2016 payment and contacted GM Financial and
again asked when the 2014 Nissan Maxima would be slated for repossession and
the customer service representative was again unable to provide the criteria or
date when repossession procedures would begin.
My intent in missing the car payments is so that GM
Financial can assist in locating and retrieving my 2014 Nissan Maxima, as they
are my last resort in locating and returning my car. I have made it clear in my
multiple phone calls and certified letter to GM Financial that I am more than
willing to pay all past due payments, repossession fees and relocation fees,
etc once my car is located and returned to my possession and yet GM Financial
has failed to begin repossession procedures disregarding my request and offer.
As lien holder, GM Financial has a responsibility to know the location of their
investment and have an invested interest in its condition, by continuing to
allow the vehicle’s location to be unknown and not in the possession of its
owners jeopardizes the likelihood of locating it and it being in its original
condition. This has been the case for the past two months and as each day goes
by, GM Financial runs the risk of the vehicle being further damaged and un-locatable
which boarders negligence. It is further punitive that GM Financial continues
to report the late payments to the credit bureaus which adversely affects my
credit score and ability to purchase a home and additional vehicle yet does not
take action to repossess the car. The credit reporting by GM Financial is not
the full story, while the payments have been delayed, it is only so GM Financial
can begin locating the vehicle and once that is done, payments will resume and
fees associated in doing so will be paid.
As mentioned before, the original September 10, 2015
contract for the 2014 Nissan Maxima was terminated by myself in December 2015
when I requested (prior to any missed payments) that GM Financial located and
repossessed the 2014 Nissan Maxima. Again, in January 2016 I requested by phone
and certified letter that the vehicle be located and repossessed, each request
was met by GM Financial with no response or inaction to locate the vehicle. GM
Financial is just as responsible for the late payments as I am as they have
failed to act to locate and repossess the car yet report the late payments to
the credit bureaus without the explanation of my offer to pay such late
payments once vehicle is located. While when signing the contract on 9/10/15,
both owners were employed full time and married, since then, the parties have
separated and will be divorced in March 2016 and Mr. [redacted] is
incarcerated in LA County, CA jail, unemployed with no way to pay for the
vehicle. I am not responsible for what another owner chooses to do with the
vehicle and if I continued to pay on a car where I am unaware of its location,
it would only perpetuate the fact that I would not have any idea of where my
vehicle is or any hope of it returning to my possession. I am only requesting
assistance from GM Financial to locate and return the vehicle to me as I am the
only owner that is in a position to repay the auto loan and upkeep the vehicle.
Regards,
[redacted]

Revdex.com:  The statement above is in correct but I finally got my refund as of yesterday. GMC financial put me thru the ringer.
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]

January 10, 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

Complaint: [redacted]
I am rejecting this response because: I no longer owned the car and they knew I had traded it in. So they must remove the incorrect information from our credit reports. It is not my fault the payment was late.
Regards,
[redacted]

My contract states 17.25%apr; of 72 payments.
Regards,
[redacted]

March 23, 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 reflect the account was reported in December of 2017 for the November payment. Your payment was due on November 14, 2017. GM Financial received a payment in the amount of $450.00 on October 31, 2017. $79.25 of that payment went towards your November 14, 2017 due date. An additional payment was made to complete the November payment on December 18, 2017 in the amount of $662.35. $291.50 was applied towards the remaining November 14, 2017 payment due date.
An update was submitted to the credit bureau reporting agencies on March 23, 2018 to reflect the most current information. Please allow the credit bureau reporting agencies 30-45 days to reflect these updates. Please understand that any additional disputes submitted through the credit bureaus prior to these changes updating, may cause the credit agencies to void the update submitted by GM Financial.
Should you have any further questions or require additional assistance please contact GM Financial at ###-###-####.
Sincerely,
GM Financial

January 12, 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. Please include your desired resolution. Upon receipt of this information I will research this matter.
Sincerely,
GM Financial

August 1, 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 GM Financial received the payoff on the account on April 9, 2015. The first release of lien was sent to the address on file on April 14, 2015. Please be advised we sent another release of lien on July 31, 2017 to the address on file, as per your request.
Should you have any further questions or require additional assistance with regard to this matter, please contact Customer Service at [redacted].
Sincerely,
GM Financial

February 20, 2018
Re: Complaint ID: [redacted]
[redacted]
Dear Mr. [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.
A review of your account reflects it is currently eligible for online services. If you are still having trouble accessing your MyAccount profile, it will be necessary to speak with you directly in order to further troubleshoot and rectify this matter. At your earliest convenience, please contact GM Financials corporate office at [redacted]-[redacted]-[redacted]6 so that we may further assist you with logging in.
Sincerely,
GM Financial

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 24, 2016, GM Financial provided you with a 10-day payoff quote in the amount of $21,525.45, good through April 3, 2016. As per your request an additional payoff quote was faxed to you at 313-846-4459 on March 25, 2016, good through April 4, 2016 in the amount of $21,536.36. A check was received on April 5, 2016 in the amount of $21,514.54. Please understand the payoff quote is subject to change due to the interest accruing daily. The amount owed is additional interest since the payment was received a day after the good though date of April 4, 2016.
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

Complaint: [redacted]
I am rejecting this response because GM has full authority to change/correct a report made to credit bureaus that has severely impacted my credit standing and has also cost me thousands of dollars in interest, never mind all the interest that GM has made on my account over nearly 6 years. GM, like any good and responsible company, could devise exception / grace policies for longstanding customers. Making 66 payments on time, paying off the note early, and attempting to make a payment online that did not go through should NOT result in this lame excuse for a resolution.
Regards,
[redacted]

March 22, 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.
With the...

information you’ve provided, GM Financial is unable to locate an account or application for credit. Please provide proof of the inquiry and GM Financial will research further.

Should you have any further questions or require additional assistance with regard to your lease account, please contact me directly 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 forward me your full GM Financial account number or the last 4 digits of...

your social security number. Upon receipt of this information I will research this matter.
 
Sincerely,
GM Financial

November 29, 2016
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.
Please note on...

December 11, 2012, you signed a Retail Installment Sale Contract for a 2008 Chevrolet Impala in the amount of $12,585.37 at an interest rate of 19.45%. Within the agreement, you agreed to repay the loan in 72 monthly installments in the amount of $299.87 per month, beginning January 25, 2013.
On August 16, 2016 the decision was made to place the vehicle out for repossession, as allowed by your contract. At this time the account was 82 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. The state of Florida does not require a cure period or notice of repossession be mailed prior to repossession.
Our records reflect that a deferment was processed at your request for the month of May and June of 2016. GM Financial last spoke with you on July 25, 2016; at which time you set up a payment in the amount of $219.82 dated for July 25, 2016 as part of the deferment fee and partial payment for April of 2016 due date. You also set up a future dated payment in the amount of $299.87 for August 3, 2016 for the July 2016 installment payment. These payments were returned to GM Financial due to insufficient funds on August 4, 2016. Please be advised numerous efforts were made to contact you with regard to the status, and no further arrangements were made.
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.
Should you have any further questions or require additional assistance, please contact GM Financial’s Customer Service department at [redacted].
Sincerely,
GM Financial

Complaint: [redacted]
I am rejecting this response because: That is not acceptable. You need to waive all fees for making any type of payment until you fix the problem. It is YOUR problem, not your customers. This problem has been going on for months. Obviously, the problem is not a high priority for you, as you truly do not care about your customers.
Regards,
[redacted]

My ssn is [redacted].

August 23, 2016
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 full GM Financial account number or social security number. Upon receipt of this information I will research this matter.
Sincerely,
GM Financial