GM Financial

September 14, 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.
A refund...

has been requested and is being processed, a check in the amount of $10.00 will sent in the next few days. Please allow 7 to 10 business days from the time the check is issued for it to be received. 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.
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 14, 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.
The MoneyGram payment in the amount of $185.75 was located and posted to your account on 02/13/2018, with an effective date of 01/16/2018. Your account has not been reported to the credit bureaus for any late payments and no late charges have been assessed to your account. We apologize for any inconvenience you have experienced as a result of this situation.
If you have any further questions or concerns regarding this matter, please feel free to contact GM Financial at [redacted].
Sincerely,
GM Financial

March 9, 2018
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 social security number and or full account number. Upon receipt of this information I will research this matter.
Sincerely,
GM Financial

July 7, 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.
On June 16, 2011, you signed a Retail Installment Sales Contract (“Contract”) for the purchase of the 2007 Chevrolet Equinox in the amount of $17,446.00 at an interest rate of 13.95%. Within the agreement, you agreed to repay the loan in 72 monthly installments in the amount of $361.11 per month, beginning on July 31, 2011. It 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. In review of the account activity and payment history, more of your monthly payments were applied to accrued interest due to payments being made after the scheduled due date which resulted in the unpaid principal balance that remains today.
Please note that throughout the time that the account has been active, six deferments have been processed per your request for the months of August and September of 2012, November and December of 2013, and July and August of 2014. Deferments are used to assist customers in bringing their accounts current. Please understand that deferred and delinquent payments cause additional interest to accrue. After thoroughly researching your account payment record it has been determined that all payments have been applied accordingly.
For your review, a detailed payment history, copy of your retail installment contract and the last five billing statements will be sent by mail to your address of record. 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

Complaint: [redacted]
I am rejecting this response because: GM financial has only sent April 2016 through December 2016. As I've illustrated over numerous phone calls which obviously go unheard is I need the tax billing from January 2016-April 2016 when I lived in Hampton county. The amount billed was $475 when the city said it should've been less by a $150. What has been attach in their response is what I've agreed was correct over the call. Please get me the correct tax form or explain what the $475 paid in November was for...
Regards,
[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.We apologize for the poor service you feel you have received and for any miscommunication that may have occurred; however, GM Financial’s position regarding this matter has not changed. Should you have any further questions, please feel free to contact GM Financial at ###-###-####.Sincerely,GM Financial

Thank you for the additional correspondence sent to the Revdex.com. I have reviewed your concerns and would like to offer the following information. GM Financial has not changed its position regarding the status of your account.
Payments are posted to your account the same date they are received by the payment processing center. If you choose to mail in your monthly installment payment, GM Financial is not responsible for delays in delivery or the loss of the payment by the United States Postal Service (“USPS”).
If you would like to avoid additional mailing time, you may utilize other payment options such as payment by phone, IVR, or online at www.gmfinancial.com. Some of these payment options are provided by Western Union and are subject to a convenience fee. Payment options available at no cost include the ACH payment option online or the GM Financial Automatic Payment Plan.
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 of your account.
Should you have any further questions or require additional assistance regarding this matter, please contact GM Financial’s Lease Servicing Department at 1(800)369-5212.
Sincerely,
GM Financial

March 6, 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.
Please note that our...

records indicate there was no payment received for the month of December of 2017. The last payment prior to this was received on October 30, 2017 and was applied to your November of 2017 base rent.
In order for GM Financial to research and locate a missing payment, proof of cleared funds are required. If the missing payment has been cashed by GM Financial, please forward a front and back copy of the cashed check or a bank statement with a running balance, before and after the transaction, so that research may begin.
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: Is there anything that you can do to assist me trying to get my loan paid off as you have gotten A lot money from my loan than what I originally borrowed when I purchased the car, even if you could just waive the late fees that have accrued the account and make me current so I can have a fresh start with the remaining of my loan.  I would greatly appreciate this help.  Thanks
Regards,
[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 GM Financial account number or the last four digits of your...

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

Thank you for the additional correspondence sent to the Revdex.com.
Please be advised additional information is required to research this matter. For further assistance, please feel free to contact GM Financial’s Bankruptcy department 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]

July 31, 2017
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 working on this matter. As a supervisor from our Customer Service department will also be in touch with you.
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

Complaint: [redacted]
I am rejecting this response because:As you can see from a letter I just received, GM FINANCIAL is reporting a credit tradeline over 90 days later for a lease that terminated on September 29, 2016. Additionally, as stated in my original complaint to the Revdex.com, State Attorney's Office, the CFPB and the FTC, GM Financial for some odd reason not only waited 9 FULL MONTHS to bill me for the lease that was completed successfully and terminated on 9/29/2016 but also NEVER NOTIFIED ME in any capacity whatsoever. GM Financial NEVER sent me a bill by US MAIL or EMAIL on record nor did they EVER CONTACT ME on my PHONE NUMBER OF RECORD, TEXT MESSAGE to the PHONE NUMBER OF RECORD, NEVER SENT ME EXPRESS MAIL, NEVER LEFT A VOICEMAIL and CERTAINLY NEVER SENT A PERSON LIVE EITHER TO MY HOME OR TO MY OFFICES OF RECORD AT ANY POINT WHATSOEVER.I VERY RECORDED DETAILED MESSAGE WAS LEFT WITH EUNICE PONCE stating the fact and stating that GM FINANCIAL has until 5pm this Friday August 4th to comply or I will be forced to file both a State and Federal Lawsuit for violating the Fair Credit Reporting Act and causing willful financial harm. To summarize, GM FINANCIAL leased a vehicle and was turned in on September 29, 2016 and for some apparent reason, they chose not only to NEVER send out a final bill to be reviewed and paid, but they waited 9 months to start the due date and without any notification whatsoever. Lastly, after receiving alerts on my credit report of a delinquent account, I caled GM Financial and they ask for all my information and said absolutely everything was 100% current on my current account and never again MENTIONED anything owed on this past account that was satisfactory and turned in (terminated) on 9/29/16.  
Regards,
[redacted]

April 4, 2017
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

The daily charges against me were never reveled to me until March 2014.   First of all I made all my payments on or soon after the day of my paycheck. You can see this in my payment history. When I started getting calls because my due date was on the 9th of the month and I was making my payments on the 20th No one ever told me of these charges only that, No Mr James your not technically late and no you will not be reported as late to the credit bureaus and as long as your not late and you will be charged no late fees. So of course I was always encouraged to pay when I could after the due date that way you make the most money and as far as I know I am doing OK because I have no marks against my credit and no late charges. So finally someone with a concern contacted around March 2014 and said No sir you have no late pays fees and no marks against your credit but paying after the due date is building up charges that will cost you at the end.So at that time I made arrangements to pay over my normal amount for several payments and get ahead of my due date. You can see my payment history after June 2014 that I was always 10 to 15 days early and thats how its been since then.  There was one employment change in 2012 that was the deferment request due to changes in my payment schedule. I was never advised that these deferments were a bad thing against me just that I may pay like $200 extra at the end of the loan.And yes I received the notice in 2015 that my last payment would be more than normal. NOT THAT IT WOULD BE $1140.00 MORE!!!   So as far as I knew I was doing well with the loan throughout the whole loan. Why? Because I had no late pays on my credit and no late charges.  I had no Idea you had charged me over $1100 due at the end of the loan and within 30 days. I Was always told by your people as long as I payed before it was actually late everything would be ok.

Thank you for the correspondence sent to the Revdex.com.  I would like an opportunity to address your concerns, however additional information is required to locate your GM Financial account.
 
At your earliest convenience, please forward the full GM...

Financial account number or the last 4 digits of your Social Security number. Upon receipt of this information I will be able to locate your account and 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 full GM
Financial 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:
Regards,
[redacted]I accept the offer regarding the March 3, 2017 and March 13, 2017.  I was told by a representative that I shouldn't have any repossession fees on the account. Can you tell me what the repo fees are for?  Will the payment for April be considered late?

March 7, 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 full response will be issued once the review has been completed.
Sincerely,
GM Financial