GM Financial

I have reviewed the response made by the business in reference to complaint ID 11426749, and although I am not completely satisfied GM financial seems unwilling to adjust my current invoice so I will take what I can get.

October 10, 2017
Re: Complaint ID: [redacted]
[redacted]
Dear Mr. [redacted],
Thank you for the additional correspondence submitted to the Revdex.com. I have reviewed your concerns and would like to offer you the following information.
A review of your payment history reflects that on September 26, 2017, a payment was submitted in the amount of $1,000.00 via WEB/ACH with Confirmation No. [redacted]; however the payment was returned to GM Financial as unable to locate. The payment method you chose to utilize is completely consumer driven, initiated, and authorized. Please be advised your bank account information is not kept on file, and has to be provided each time you elect to set up a payment via WEB/ACH. GM Financial is unable to alter the transactions or the account information entered by you.
Should you have any further questions or require additional assistance, please feel free to contact GM Financial Customer Service at 1([redacted]) [redacted].
Sincerely,
GM Financial

March 22, 2017
Re: Complaint ID: [redacted]
      [redacted]
Dear Mr. [redacted],
Thank you for the correspondence sent to the Revdex.com.
Please be advised that GM Financial has submitted an update and forwarded the proper documentation to all three major credit bureaus to remove the delinquency reports. Please allow 30-45 days for this information to update and reflect accordingly. Please also 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.
At your previous request, the overage amount paid on the account was reversed and applied to your new lease account. Once the vehicle is sold at auction, a final bill will be sent to you if there is a balance owed. Should you have any further questions regarding this matter, please contact GM Financial at [redacted].
Sincerely,
GM Financial

August 23, 2017
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 offer the following information.
As outlined in your Lease agreement,...

you are responsible for Excess Wear and Tear and Excess Mileage charges as described within the Lease. Total termination charges are calculated after the Lease Termination Inspection is done to the vehicle.
Please be advised the mileage exceeded by 851 miles at $0.25 per mile, for a total of $212.75 plus tax. GM Financial is unable to honor your request to waive the remaining Excess Miles, as it is non-negotiable. As of the date of this letter a deficiency balance is still owed on the Lease in the amount of $207.07. Our records reflect that the final bill was sent to the address on file on August 7, 2017.
A copy of the final bill is included for you review. Should you have any additional questions regarding this matter please feel free to contact Lease Customer Service at [redacted].
Sincerely,
GM Financial

Complaint: [redacted]
I am rejecting this response because:well that's too bad for GMAC financing what a shame to treat your veterans and law-enforcement that way after 32 days and not 60 or 90  like any other company before reporting it to a credit report bureau.  While GMAC financing does have the ability to remove this from a credit report it is their choice to remain strict on their policy of 32 days delinquent while I veteran is overseas in the military Croatia what a horrible customer service company I will never ever Buy a vehicle through GMAC again and I will be forwarding all the correspondence I had with GMAC and the Revdex.com to all of my local TV stations and social media don't be surprised if you see it in the near future the way GMAC treats a veteran -  you can say all you want about following policy and strict guidelines but the general population is going to see otherwise on this particular matter - what a shameful company with no heart whatsoever I hope the story goes as big as the Applebee's manager who took away the veterans meal on Veterans Day.  Again what a horrible horrible customer service for United States veteran who was overseas to be bullied by GMAC on a credit report for 32 days delinquency shame on you!  Thank you for being patriotic GMAC I really do hope this goes viral you have been given an option and chose to do the wrong thing thank you! 
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is unsatisfactory to me. Upon contacting and speaking to many supervisors and employees the answer I’ve been given multiple answers that don’t correlate. I want to physically speak with someone concerning this matter. The payment was made through a bank account why would I receive a paper check through the mail ? 
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.
On August 28, 2015, you signed a Florida Closed End Motor Vehicle Lease for a 2015 GMC Acadia. Within the agreement, you agreed to a 39...

month lease term with a monthly payment in the amount of $499.10 per month, due on the 28th day of each month.
Please be advised for a Lease account, the website is only able to reflect the current amount due, at the time it becomes due. If your account is current at the time of log in, a payment will not be reflected till after the due date. In the month of October 2015, the account was reported past due to the credit bureau reporting agencies for the September 28, 2015 base rent due date. GM Financial received a payment of $499.10, on November 3, 2015, for the September 2015 base rent due date; at this time the account was 36 days past due. This payment was received by paper check at the payment lockbox location. Further review of our records indicates the first payment submitted by ACH was received on November 25, 2015, and applied toward the October 2015 base rent due date.
Please note 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 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. These payment options are provided by Western Union and are subject to a convenience fee if applicable. Payment options available at no cost include the ACH payment option online or the GM Financial Automatic Payment Plan. Online access is available to all customers; however certain restrictions may apply.
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 comply with your request to make any changes or deletions to the credit bureau reporting. On October 23, 2015, a late fee in the amount of $24.96 was waived as a courtesy; no additional late fees will be waived.
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. GM Financial takes all complaints seriously and we appreciate you bringing this matter to our attention. Should you have any further questions or require additional assistance regarding this matter, please contact GM Financials Lease Servicing Department at 1(800)369-5212.
Sincerely,
GM Financial

July 25, 2017
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 offer the following information.
Please understand that GM Financial is required to report...

truthful and accurate information to the credit bureau reporting agencies. We have contacted the credit bureau reporting agencies and confirmed that your GM Financial lease account has not been reported negatively.
Should you have any further questions or require additional assistance regarding this matter, please feel free to contact Lease Customer Service department directly at [redacted].
Sincerely,
GM Financial

June 29, 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. The contract is a simple interest contract which means interest accrues daily on the unpaid principal balance. The Total Sale Price shown in the Truth-In-Lending Disclosures on the face of your contract assumes that all payments will be made as scheduled. The actual amount you will pay may be more or less depending on your payment record.
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. Please note that throughout the time that the account has been active, six deferments have been processed per your request for the months of February and March of 2007, October and November of 2007, and May and June of 2008. Please understand that when a payment is deferred or delinquent, interest still continues to accrue.
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

We have received the rejection to our response but the consumer did not type in the reason for the rejection.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11596948, and find that this resolution is satisfactory to me.  The refund check was received on 7/29.
Regards,
[redacted]

August 30, 2016
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 offer the following information.
Our records reflect that the...

Lease Assumption has been approved. The contract was sent to the party assuming the Lease on August 24, 2016 via overnight with a tracking number of [redacted]. Please be advised that the Lease Assumption will be submitted for final approval once the signed documents are returned and received.
Should you have any further questions or require additional assistance, please feel free to contact Lease Customer Service at ###-###-####.
Sincerely,
GM Financial

Complaint: [redacted]
I am rejecting this response because: Your system has generated incorrectly over and over.  My payment for 2017 was never late but yet you still stating in your message that I was late. I have spoken with many Reps all confirmed my payment for November was not late nor December. I hope this new system is fixed and will not cause anymore incorrect delinquent notices.
Regards,
[redacted]

December 12, 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 this account on December 8, 2017. A cease and desist was placed on the account per your request, GM Financial was not able to inform you of the status of the account. You called GM Financial on December 7, 2017 and were informed that the payoff on the account had not been received.
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.
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

The request we/I have been making is simple: I want you, GM Financial, to show the actual breakdown of the interest for each deferment, for my loan. Show us the exact calculations. A blank worksheet does not provide that.  Why won't GM Financial provide information to consumers regarding their account? Does it have to be requested through court? If so, please provide me with the mailing address.

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]

Complaint: [redacted]I am rejecting this response because: it was never 90 days past due based on the insurance payment being sent to you. Regards,[redacted]

October 23, 2017
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 offer the following information.
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

December 12, 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 the title was sent out to the address on file on December 8, 2017. We apologize for any inconvenience this has caused and appreciate your patience. Please be assured that GM Financial gives customer service a high priority and is totally committed to achieving excellence.
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

Thank you for the correspondence sent to the Revdex.com. I have reviewed your concerns and would like to provide the following information. On December 10, 2012, you signed a Retail Installment Sale Contract (“Contract”) for the purchase of a 2012 Chevrolet Cruze in the...

amount of $21,046.32 at an interest rate of 10.90%. Within the agreement, you agreed to repay the loan in 72 monthly installments in the amount of $401.21 per month, beginning on January 24, 2013. Please note that GM Financial places a high priority on adhering to all state and federal laws. The state of Pennsylvania does not require a cure period or notice of repossession be mailed prior to repossession. On November 19, 2015, the decision was made to place the vehicle out for repossession, as allowed by your contract. At this time the account was 56 days past due for the September 24, 2015 installment due date. The vehicle was recovered on November 22, 2015 and reinstated on November 24, 2015. On June 23, 2016, the decision was again made to place the vehicle out for repossession, as allowed by your contract. At this time, the account was 60 days past due for the April 24, 2016 installment due date. The vehicle was again recovered on June 24, 2016. The account history was reviewed thoroughly and it has been determined that the handling of the account, including both repossessions, are in compliance with your contract as well as all state and federal laws.  Please understand that due to the bankruptcy filed and discharged, GM Financial is unable to issue a monthly billing statement; however, our records reflect that you were advised verbally in February, March, April, and June of your monthly due date and the past due balance owed on your account. All payments that you have provided proof of have been accurately accounted for within the payment history of your account. Based on a review of this information, it appears that payments are not being made every single month, and this led to the delinquency of the account and the assignment of the vehicle for repossession.  The State of Pennsylvania is a redemption state, meaning that if we repossess the vehicle, you may get it back by paying the unpaid part of the Amount Financed plus the earned and unpaid part of the Finance Charge, any late charges, and any other amounts lawfully due under this contract. GM Financial made an exception and allowed the reinstatement of the vehicle in November of 2015. Since the reinstatement of the vehicle, you have not maintained strict compliance with the terms and conditions of your Retail Installment Contract or the Reinstatement Agreement; resulting in a second repossession of this vehicle. GM Financial is unable to make any further exceptions, and in order for you to get the vehicle back; you will have to pay everything owed under this contract in full, prior to the vehicle being sold at auction. Our records reflect that you were advised of this information on June 27, 2016. Additional copies of your contract, payment history, and Reinstatement Agreement have been mailed to your address of record. Should you have any further questions or require additional assistance, please contact GM Financial at ###-###-####. Sincerely,GM Financial