GM Financial

I did ask for a deferment in September , that is why I contacted your office. I was never sent to a manager as well for a approval I was just told no by a representative . I also contacted you guys after . 
Regards,
[redacted]

September 6, 2016
Re: Complaint ID: [redacted]       [redacted]
Dear Mr. Eaves,
Thank you for the correspondence sent to the Revdex.com. I have reviewed your concerns and would like to offer the following information.
We apologize for the...

poor level of service you feel you have 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. We have included is a copy of the property tax bill for your account, as per your request.
If you have any further questions or are in need of additional assistance regarding this matter, please contact GM Financial at ###-###-####.
Sincerely,
GM Financial

January 4, 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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10853893, and find that this resolution is satisfactory to me.  I would also like to let GM Financial know if it is not handled in the manner they are stating, I will again file another complaint so I hope they did what they said they were going to do.

EVERY DAY we receive MULTIPLE phone calls from GM Financial. Yet since I have made this report for help since I am getting nowhere with them privately they have not made one phone call. First reposnse was to ask me to provide more information as if they didn't have it already. I question the legality of taking payments, and deducting late charges before paying payment so that the car payment is never listed as "paid" damaging both credit and telling us we owe payments. Tried to handle this on our own but no one is providing proof that these are legal actions. Having had 6 different car loan carriers already I can tell you this is not the norm but need someone to look into this. They are completely avoiding dealing with this. Going to have to go to a "higher up" soon. Again I reiterate that we have suddenly had no calls since this filing however we revived calls every day on landline, cell phone, and even on a specified "do not contact line".

Complaint: [redacted]My account number is: [redacted]Regards,[redacted]

March 26, 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 offer the following information.
Our records...

reflect that on January 17, 2018 a payment in the amount of $399.94 posted to your GM Financial account number [redacted]. Per your request, this payment has been reversed off of this account and applied to your account number [redacted] as of March 23, 2018, with the effective date of January 17, 2018. Your account ending in 9435 is current; the next payment due is on April 17, 2018.
If you have any questions or require additional assistance, please contact GM Financial at ###-###-####.
Sincerely,
GM Financial

Complaint: [redacted]
I am rejecting this response because:
Regards,
[redacted]

October 6, 2017   RE:  Complaint ID: [redacted]          [redacted]                           Dear Mrs. [redacted], Thank you for forwarding the additional correspondence. Please note that our system of record reflects that prior to the vehicle being deemed a total loss, the last monthly payment was received on December 1, 2016, which posted for the October 2016 due date. The insurance proceeds and warranty refund posted to the account as principal payments and were not applied to your monthly billing amount as per your Contract states. Therefore, the account was reported accurately to the credit bureau agencies. If you have any further questions or require additional assistance, please feel free to contact GM Financial at 1([redacted].   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.
On January 20, 2017, the...

vehicle was involved in an accident and declared a total loss by Go Auto Insurance. On January 31, 2017, GM Financial quoted a payoff in the amount of $16,175.13 good for 10 days to the insurance company. On February 14, 2017, GM Financial received a payment from Go Auto in the amount of $11,777.00.
As per your contract, the payment was applied to the balance of your account reducing what you owe. Insurance proceeds will only be applied to the principal balance of the account. You are still responsible for maintaining the monthly installment payments and are still subject to monthly credit bureau reporting until the account is paid in full. Please be advised you were informed of the credit marks if payments were not made verbally and a Total Loss letter was mailed to you on February 1, 2017 informing you of that. The insurance proceeds received from Go Auto were applied to your account balance and were not enough to pay the amount you owe.
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 agencies with accuracy; and as a result, we are unable to make any changes or deletions to the credit bureau reporting of your account.
If you have any further questions or are in need of additional assistance regarding your account, please contact the GM Financial Total Loss Department at [redacted].
Sincerely,
GM Financial

October 20, 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 offer the following information.
On September 16, 2013, you...

signed a Retail Installment Sale Contract for a 2009 Ford Escape in the amount of $18,554.05 at an interest rate of 12.99%. Within the agreement, you agreed to repay the loan in 72 monthly installments in the amount of $374.34 per month, beginning October 31, 2013.
On September 29, 2016, the decision was made to place the vehicle out for repossession, as allowed by the contract. At this time the account was 59 days past due. GM Financial received a payment in the amount of $749.48 on October 11, 2016, this information was also confirmed by your bank.
Our records reflect that we last spoke with you on September 28, 2015. Please be advised numerous efforts were made to contact you with regard to the status. The last payment on record prior to the repossession was made on August 19, 2016 in the amount of $374.74; at which payment was applied towards your June 2016 installment due date and partial payment for the July 2016 installment payment. A repossession fee is charged every time a vehicle is picked up, along with any other associated fees. Please note that if the vehicle is not reinstated or redeemed, the vehicle will be sold at a private sale.
Included for your review are copies of your contract, and account payment history. Should you have further questions or require any additional assistance, please contact the Reinstatement Department at ###-###-####.
Sincerely,
GM Financial

February 13, 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 offer the following information.
Please be aware, GM Financial...

is an indirect lender and all credit decisions are based on the consumer’s credit files obtained by the credit reporting agencies at the time the application was submitted. Additional considerations included income and expenses as listed on the credit application signed by you, as well as the cost of the collateral.
Please understand that all contract negotiations would need to be handled between yourself and the selling dealer. If you have any questions or require additional assistance, please contact GM Financial at 1-[redacted].
Sincerely,
GM Financial

I will be filing a complaint with the Consumer Financial Protection Bureau because this indeed is an example of what happens in subprime lending (which GM Financial was already in trouble with them in 2014). A direct quote "It appears that these investigations, which include potential criminal enforcement, are looking into whether these lenders are securitizing and packaging loans for sale to investors without ensuring the quality of loans or fully disclosing their risks."  I was not fully aware of everything.

September 27, 2017   RE:  Complaint ID:  [redacted]         [redacted]                           Dear Mr. [redacted]:   Thank...

you for forwarding the correspondence sent to the Revdex.com. I would like an opportunity to address your concerns, however more information is required. At your earliest convenience, please forward me your full 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: We are not comfortable with disclosing personal information to GM Financial.  In the past GM Financial has sent us falsified records,  forged documents, and harassed us for an alleged debt owed without evidence of its existence. We do not feel safe giving that information to GM Financial. 
Regards,
[redacted]

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]2. I am responding to the information you have received from GM Financial. Let me  start off by saying that I have spoken to a couple of different supervisors. One 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 fault. This is not fair to  paying customer who do right by the system. It’s not fair to me that the company wants me to pay for there mistake. I do not have extra money for there mistake. They are charging me late fees for something I had paid on time. This is unacceptable. I have all my receipts from the time I received the car. All payment made on time. For me to be told by the Revdex.com I need to get a copy of the front and back of the money order is unacceptable. I 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 company. The money order was mailed in with the statement that is received and mailed back in with the payment. The account number is on the statement. The account number was on the money order. Explained to me, what is so hard. I am not trying to be difficult,  but it’s the principal. I 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 received. They stated that they will investigate, but I feel that they did not dig deeper to resolve the problem. Whoever you get on the phone, is only reading what notes someone entered. This is not helping the customer. They should start from the beginning when  the payment was first  received from there ADP department. They have my payment and the statement. There was a male supervisor that hung up this evening. It does not matter if the customer is irate or not. You do not hang up on a customer. This is not how you do business. What if the shoe was on the other foot. Now, 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]

January 4, 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

Please enter your reason(s) for rejecting the business response below.I never received a telephone call in regards to late charges.  What sense would it make to pay a loan in full and just leave late charges owing? Had I known there was a balance it would have been taken care of at that time as well! Also, the loan company had my address incorrectly as McMinnville, Oregon not McMinnville,TN for the majority of my contract time so that may explain why a letter was never received by me, if indeed a letter was sent!  I realize I that this complain is a major waste of my time and Revdex.com resources but it is really the only way an average Joe consumer can warn others of unethical business practices.  I have paid the late charges (under duress) but I will continue to dispute the validity of those charges.

July 27, 2017
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 offer the following information.
On March 22, 2014, you entered into a Retail Installment Sale...

Contract (“Contract”) with Lehman Hyundai Subaru Inc. for the 2008 Saturn Vue. GM Financial was not present at Lehman Hyundai Subaru Inc. (“Dealer”) 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.
Please be advised, in order for a due date change to be processed on the account, the account must be current or brought current with the request of the due date change at the time it was requested. Please note all previous due date changes were not processed because the account was not current at the time of the request.
A review of your account payment history indicates that a payment was received on April 21, 2017, in the amount of $284.00 with Conformation No. [redacted]; however, this payment was returned to GM Financial as unable to locate on April 25, 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

November 24, 2015I contact GM Financial and spoke to [redacted] [redacted], on 11/24/15 at that time I was informed that the settlement could be no lower than $1000.00 he was to send me the agreement/documents/letter in the mail  (I gave him my exact address including making sure he understood my apartment was D (stating D like David) and via e mail at [redacted].He also stated that after payment it would take 30-40 days for this to be updated in the system and sent to the three credit reporting agents - I am asking that this be expedited.December 1, 2015I did not receive anything via United States Postal Service or e-mail.  I then call him again.  He stated the letter was sent to apartment B, I also told him I did not get an e mail; stated he was taking it to customer service so they could e mail it to me.I can be contacted via ###-###-####December 3, 2015I did not receive anything any e mails and I again contacted GM Financial this time opting to speak with someone else other than Anthony.  I spoke to [redacted] [redacted].  He look at the information and stated the other agent for whatever reason did not put in the email (or didn't follow through).  He told me he would have it printed out signed by his manager and send it to me within the next 20 minutes.  that was approximately 1/2 pm eastern it is now after 5 pm and I have not received any emails. I am now requesting that this matter be turned over to someone who will follow through on taking the necessary steps so payment can be made and the credit reporting agencies will be informed.