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

March 21, 2017
Re: Complaint ID: 12037547
      [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.
I would like...

to apologize for the poor level of service you feel that you have received. Please be assured that GM Financial gives customer service a high priority and is totally committed to achieving excellence.
I have mailed a copy of your Retail Installment Contract, Payment History, and your Final Installment Payment Agreement as requested.
Should you have any further questions or require additional assistance, please feel free to contact GM Financial Customer Service at [redacted]
Sincerely,
GM Financial

October 5, 2017   RE:  Complaint ID: [redacted]          [redacted]                           Dear [redacted], Thank you for forwarding the additional correspondence. We have reviewed your concerns and would like to offer you the following information. After a thorough review of your account, our system of record reflects that GM Financial did not report negatively for the months of August and September 2017 deferred payments to the credit reporting agencies. Please understand that the reporting dates are for the prior months, as a result the delinquency reported in August 2017 reflects how you paid in July 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 agencies with accuracy; and as a result, we are unable to make any changes or deletions to the credit bureau reporting of your account at this time.   We have requested a payment history to be mailed to you for review, you should receive it within 7-10 business days.   Please contact our office at 1[redacted] should have you further questions or concerns.   Sincerely, GM Financial Tell us why here...

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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], I do  not just accept the response from GM Financial as satisfactory. I will not be satisfied until GM Finance has corrected this matter completely. If the tables were turned GM Financial would be calling me 5 times a day. This response will NOT let me change the subject line to I DO NOT ACCEPT THE BUSINESS'S RESPONSE
Regards,
[redacted]

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

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.

January 15, 2018
Re: Complaint ID: [redacted]
      [redacted]
Dear Mr. [redacted],
Thank you for the correspondence sent to the Revdex.com. At this time, GM Financial is currently reviewing your account. A response will be issued once the review...

has been completed.
Sincerely,
GM Financial

Thank you for the additional correspondence sent to the Revdex.com. I have reviewed your concerns and would like to provide the following information.GM Financial understands that customers may face financial hardships throughout the life of their loan. Please understand that deferments...

are not a contractual obligation and are not always available. At this time, your account is not currently eligible for this type of payment assistance. If in the future, the deferment option is available and your account is eligible for this type of payment assistance, please be aware that all deferment requests are subject to management approval.A thorough review of your account has been conducted and it has been determined that the handling of your account is in compliance with all state and federal laws. Our research further indicates that during the conversations you reference, you were provided with all options currently available to you.Should you have any further questions or require additional assistance, please contact GM Financial at ###-###-####.Sincerely,GM Financial

March 15, 2018
Re: Complaint ID: [redacted]       [redacted]
Dear Ms. [redacted]y,
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 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]

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

July 10, 2017
Re: Complaint ID: [redacted]
      [redacted]
Dear Ms. [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.
Please be advised that the Auto Pay will automatically deduct on the due date, even if a duplicate payment is made. Our records reflect that an additional payment was entered by you, via Western Union Speedpay online on May 5, 2017 in the amount of $197.40 that resulted in a duplicate payment for May of 2017 and put your account ahead.
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.
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 28, 2017
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.
As previously informed, 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. Please allow 7 to 10 business days from the time the check is issued for it to be received. Our records reflect that we have an updated address of [redacted], should the address need to be updated please contact GM Financial at the contact number below.
Should you have any additional questions regarding this matter please feel free to contact Lease Customer Service at [redacted].
Sincerely,
GM Financial

August 2, 2017
Re: Complaint ID: [redacted]
Dear Ms. [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.
Please note all previous due date changes were not processed because the account was not current at the time of the request, and required a return phone call when the account was brought current.
In order for GM Financial to research and locate a missing payment, proof of the cleared funds are required. If the missing payment has been cashed by GM Financial, please fax in a front and back copy of the cashed check or a bank statement with a running balance, before and after both transactions, to ([redacted] so that research may begin.
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

September 28, 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.
A review of your account...

reflects the deferment fee you paid, in the amount of $583.03, was applied toward the remaining past due amount owed for the May 25, 2016 and June 25, 2016 installment due dates, and the July 25, 2016 installment due date. Please be advised the late fees were not included within this fee. However, as a customer courtesy GM Financial is honoring your request to waive the $94.10 in late fees that assessed on your account. This information will appear on your next billing statement.
Should you have any further questions or require additional assistance regarding this matter, please contact Customer Service directly at ###-###-####.
Sincerely,
GM Financial

Complaint: [redacted]
I am rejecting this response because:
My SSN is [redacted]. I don't have an account number to provide to you .someone has used my SSN, have know idea how to remove this account from my credit reports.
Regards,
[redacted]

February 28, 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.
Please note on January 17, 2011, you signed a Retail Installment Sale Contract for a 2009 Mazda 5 in the amount of $15,154.83 at an interest rate of 18.85%. Within the agreement, you agreed to repay the loan in 72 monthly installments in the amount of $355.70 per month, beginning March 3, 2011. At your request, GM Financial processed a total of eight deferred payments that extended the maturity date of the contract to October 3, 2017.
Your GM Financial account matured on October 3, 2017; at which time the balance was due in full for the amount of $4,639.75. Our records reflect that a maturity letter was mailed to the address on file on October 3, 2017.
Please be advised numerous efforts were made to contact you with regard to the status of the account. Our records reflect that we last spoke with you on February 8, 2018; at which time no firm arrangements were made on the account. The last payment received on the account was on January 29, 2018.
On February 15, 2018 the decision was made to place the vehicle out for repossession, as allowed by your contract. 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 “Notice of Right to Redeem or Reinstate” and the “Notice of Our Plan to Sell Property” were mailed to the address of record on February 21, 2018 by United Stated Postal Service (“USPS”) Certified Mail. Please note that after a review of this account, all statutory notices were mailed to you at your last known address. In accordance with the applicable law, the statutory notice provided information about how and when to secure any personal property left in the vehicle. These notices also explained that you would be required to pay the difference between the amount you owed to GM Financial and the amount the vehicle sold for, plus expenses if you opted not to redeem/reinstate the vehicle.
Included for your review are copies of your contract and account payment history. Should you have any further questions or require additional assistance, please contact GM Financial’ s Customer Service department at (800)284-2271.
Sincerely,
GM Financial

I am not being currently represented by an attorney but those  are the actions I am willing to take to get this matter resolved. I just wished GMFinancial as a company would of done their due diligence to investigate and research all matters regarding this issue. I am shocked and appalled that such a company is letting their employee get away with this type of laziness.

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