GM Financial

October 7, 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.
A review of our records does...

not reflect that your account has been reported 30 days delinquent to the credit bureau reporting agencies. Please be advised GM Financial has submitted an AUD and forwarded the proper documentation to all three major credit bureaus to ensure this information.
Should you have any further questions or require additional assistance with regard to this matter, please contact GM Financials Lease Customer Service at ###-###-####.
Sincerely,
GM Financial

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my dispute.
Please enter your reason(s) for rejecting the business response below.
I was told by your representative the first time that they would call me back. No one told me that they were going to do nothing. The second time it happened I called and your company representative told me that a promise to pay would prevent it running a second time. I was deceived by your company. That is fraud. Had I known it was going to run again, I would have borrowed money to prevent my account from being overdrawn. Once again, I was told by your company's representative that it would not run again. Yet it did.The first time I didn't know it was going to happen. The second time I did and I was proactive. I was told by your company that it wasn't going to go to my bank again. They lied. It did. They deceived me, whether intentional or not, I was lied to by your company and it caused me to be charged $120 in overdraft fees - this is the second time I am referring to. Not the first.When your representative called me after it ran a second time, she mocked and mimicked me. Made fun of the way I speak. Insulted me and hung up on me. I have dealt with crappy customer service before. I don't start Revdex.com complaints over a sassy CSR, I was mocked. I was treated as subhuman, and it not only made me feel uncomfortable, I felt harassed. It was even more disconcerting that this person has my address and phone number. After she hung up on me, I almost started to cry. Then she called me back and continued to verbally accost me.   Regards,
[redacted]

July 3, 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 review of your account reflects...

that the account was s paid in full November 7, 2014. 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. You may contact the credit reporting agencies directly to confirm the dates they have scheduled for this debt to delete from your credit bureau report.
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

November 13, 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 indicate that...

your payoff has been posted to your account effective October 27, 2017. The electronic lien is scheduled to be released to you on November 17, 2017 as per our standard lien release time frame.
If you have any additional questions regarding this matter, please feel free to contact GM Financial at [redacted]
Sincerely,
GM Financial

July 31, 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 be advised payments are...

applied to the principal if the account is paid ahead. Our records reflect that a supervisor from our Customer Service department contacted you and is working directly with you in efforts to resolve this matter.
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 26, 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: Stating a 2 bills or statements were sent out to my address of record is a fabricated lie. I have had GM Financial for over 4 consecutive years, including presently with another car lease and they are infamous for sending out bills AND calling your number on record. They never sent a final bill whatsoever. Additionally, As of August 1st, GM Financial states the account is 109 days old. This would put the account notice as a start date in MAY 2017, yet again, GM Financial states they sent out a 2 letters in October, nearly 8 months after they allegedly sent out a bill.  Still also, ironically not one phone call or voicemail ever in 9 months this supposed bill and past due bill was sent.It's time they forward this information to their General Counsel or their Chief Compliance Officer to avoid litigation. They insist on giving excuses and the same redundant generic answers.  As an attorney myself, why wouldn't I pay a $700 bill when its due yet pay $500 a month on-time with my current lease with GM Financial.It is time for GM Financial to answer in a court of law.   Revdex.com- I thank you for your all your efforts.
Regards, 
[redacted]

Complaint: [redacted]
I am rejecting this response because: GMAC financial left me no forwarding address to addresss my concerns, they asked for a full account # or social security number and left me no instructions on how to send it to them.
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because: it has not been solved yet. My GM Financial account number is : [redacted]. Also, I called again last week before filing the complaint to the Revdex.com and was told I wojld be phones back within 48 hours and I was not phoned back. My tax money is still missing. 
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 March 31, 2014, you signed a retail installment sales contract for a 2013 Chevrolet Sonic in the amount of $27,251.50 at an interest rate of 9.90%. Within the agreement, you agreed to repay the loan in 72 monthly installments in the amount of $505.53 per month, beginning May 15, 2014. The contract is a simple interest contract which means interest accrues daily on the unpaid principal balance.
Included for your review is a copy of your contract. Should you have any further questions or require additional assistance with regard to this matter, please 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.
Please note GM Financial received notification from MRS on November 20, 2015 that your account was settled in full on November 13, 2015. Notification of the settlement is sent to the credit bureau reporting agencies 30 days from the date of the receipt of the settlement. In order to expedite this update sooner, proof of cleared funds for the settlement payment is required. Acceptable proof of cleared funds includes a copy of the bank statement reflecting the posted payment(s) and a running account balance. Documentation can be faxed to ###-###-####, please reference your account number of[redacted]on all documentation.
Should you have any further questions or require additional assistance with regard to this matter, please contact GM Financial directly at ###-###-####.
Sincerely,
GM Financial

June 23, 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 noted in the previous response, GM Financial has submitted an update and forwarded the proper documentation to all three major credit bureaus for the removal of the negative reporting.
Please be advised GM Financial is unable to reimburse funds that were part of your contractual liability, or funds that you elected to spend on the vehicle.
We apologize for any inconvenience this situation may have caused. 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

Thank you for the correspondence sent to the Revdex.com. I have reviewed your concerns and would like to provide the following information.As your February installment was due on Monday, February 1, 2016, your account is now into a new billing cycle. This is why you are seeing two...

payments owed online, one for the past due installment for February 1, 2016 and the second for the current billing cycle due March 1, 2016. When you are making your payment online, you are shown the amount to be paid and given the option to edit any information on both the Payment Information and Payment Review Pages, prior to authorizing and making the payment.As per your Contract, if a payment is not received in full within 10 days after it is due, you will pay a late charge of $5 or 5% of the part of the payment that is late, whichever is greater. Please understand that this is not a grace period as this is a Simple Interest Contract, meaning that interest accrues on a daily basis. We apologize for the inconvenience and appreciate your feedback. If you have any additional questions or are in need of additional assistance, please contact Customer Service at 1-800-284-2271.Sincerely,GM Financial

Thank you for the additional correspondence sent to the Revdex.com. GM Financial has reviewed your concerns and would like to provide the following information.On April 23, 2015, you signed a Motor Vehicle Consumer Simple Interest Installment Sale and Security Agreement (“Contract””)...

for the 2011 Nissan Murano in the amount of $16,630.44 at an interest rate of 7.90%. Within the agreement, you agreed to a repay the loan in 72 monthly installments in the amount of $291.73 per month, beginning on June 7, 2015.Please note that GM Financial places a high priority on adhering to all state and federal laws. The state of Wisconsin requires a cure period or notice of repossession be mailed prior to repossession.  This notice was sent by United Stated Postal Service (“USPS”) Certified Mail to your address of record on November 19, 2015 with a tracking number of 9307 1200 1910 0039 6724 31. According to the USPS website, this item went Unclaimed and the Max Hold expired on December 12, 2015. GM Financial has not yet received this item in returned mail.On December 8, 2015, the decision was made to place the vehicle out for repossession, as allowed by your contract. At this time the account was 61 days past due and no firm payment arrangements were in place. The account history was reviewed thoroughly and it has been determined that the handling of the account, including the repossession, was in compliance with your contract as well as all state and federal laws.Our records reflect that the vehicle was recovered on Saturday, December 18, 2015. Please understand that the Reinstatement Department is a fairly small department and all calls and voice mails are responded to in the order they are received. On Saturdays, this department is available from 9:00 a.m. to 1:00 p.m. (CST). However, as the vehicle was recovered on a Saturday, the Repossession Agent’s Business Office would have been closed and GM Financial would have been unable to confirm the repossession and fees until the following business day on Monday, December 21, 2015.As you were advised on Monday, December 21, 2015, the amount required to reinstate the Vehicle is $1,299.92 and includes the following charges:December 7, 2015 Installment Amount of $291.73November 7, 2015 Installment Amount of $291.73October 7, 2015 Installment of Amount $291.46Late Fee Balance of $50.00Cost of Repossession $375.00Please understand that this amount does not cover any additional charges that may be owed separately to the repossession agent.Our records reflect that you spoke to a member of leadership on December 21, 2015 and at this time have advised GM Financial that you are declining to reinstate the Vehicle. Please be aware that if the vehicle is not reinstated/redeemed, the vehicle will be sold at a private sale. Notices of the Right to Redeem or Reinstate and Our Plan to Sell Property have been mailed to your address of record on December 21, 2015. The Notice of Our Plan to Sell Property explains in further detail your continuing obligations. Please keep in mind that you can redeem your account, including expenses, in order to get the vehicle back at any time before the vehicle is sold. Included for your review are copies of your Contract, Account Payment History, and USPS Tracking Report. For additional copies of the Cure Notice or the Notices of the Right to Redeem or Reinstate and Our Plan to Sell Property, a subpoena is required.Should you have any further questions or require additional assistance, please feel free to contact GM Financial at ###-###-####.Sincerely,GM Financial

February 16, 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.
Enclosed is a copy of the...

Retail Installment Contract (“Contract”) and a copy of the credit application. These documents are sufficient to validate your obligation for this account and all the information that has been sent to any credit agency. We have also included a copy of the payment history for your review.
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.
Please be advised GM Financial is required to send a 1099-C to the Internal Revenue Service when an identifiable event occurs, pursuant to the Internal Revenue Code and the attendant Treasury Regulation. GM Financial determined an identifiable event pursuant to the Internal Revenue Service regulation occurred for calendar year 2016 and sent a 1099-C to you as required by the Code and Regulations. Please understand that the debt was not canceled or forgiven rather it was discharged and deemed as a loss to the company. The 1099-C was sent as required by federal law.
Please note the Gap Company advised us on March 20, 2012 that there was no Gap payout.
Should you have any further questions or concerns with regard to this matter, please contact GM Financial at [redacted].
Sincerely,
GM Financial

Complaint: [redacted]
I am rejecting this response because:GM Financial is ignoring the problem caused on their end by a computer problem in December, and putting all the corrective action effort on the customer. I have confirmed with my bank, [redacted], that payment was made in early December, well ahead of the due date.  I also confirmed payments were made in the previous month (November) and the month after (January) the payment in question.  Because GM Financial lost the record of my December payment (but did cash the check!), I have filed a claim with [redacted] who will be contacting GM Financial directly.  If WF is unable to resolve the payment issue, I will contact GM Financial again.  Regards,
[redacted]

If I do need to pull my phone records I do recall speaking with a female ... I do not know the date as of yet... I do know that , I asked for help or a deferrment and representative said no , and that was all nothing they can do . No manager to talk to , nothing . Did you want me to retreive cell records?  
Regards,
[redacted]

March 8, 2018
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 provide the following information.
Please be advised, the payoff that was quoted to you on February 2, 2018 in the amount of $23,279.86 did not include the repossession or any other additional fees to reinstate the vehicle.
The payoff amount for this account is currently $ 25,684.30 and is good thru March 18, 2018. Please note the payoff quote is subject to change if the payoff expires, changes to the account payment history occur or fees assess to the account. Any payoff amount quoted to you includes the unpaid principal balance of the account, finance charges currently owed from the date the last payment was received through the good thru date of the payoff quote; and any other fees that may be due, such as late fees.
Should you have any further questions or require additional assistance in regards to this matter please contact GM Financial at ###-###-####.
Sincerely,
GM Financial

Complaint: [redacted]
I am rejecting this response because:
Regards,
[redacted] Because it tells me nothing I will give you my account number but not my ss number all I want you to do is accept my payments and not reverse them that is the only way to resolve this issue.My gm account number is [redacted] I sent gm finicial a online payment of 1000 dollars and you reversed it I know the bank account number was right .But after you reversed it I sent you another payment on 9/30/2017 .To get my payoff down I will send you another payment on 10/06/2017.   if you do not reverse these payments I will consider this issue closed and no futher action will be needed thank you and have a nice day.

August 29, 2016 Complaint ID: [redacted] Dear Mr. [redacted], Thank you for the additional correspondence sent to the Revdex.com (“Revdex.com”). I have reviewed your concerns and would like to provide the following information. Our records reflect that your account was...

updated to reflect that your account is in dispute on January 27, 2011, on the date we received and responded to the first credit bureau dispute you submitted through Experian. To date the account remains in a dispute status as you have not yet indicated verbally or in writing that you are in full agreement with the way GM Financial is currently reporting the account.     Our records further reflect that GM Financial received two requests for validation of debt, one received on June 17, 2016 and the second received on July 25, 2016. In an effort to protect your privacy and to comply with all guidelines for sending personal information, all personal identifying information including the address provided, must match the information we have on file for you. A review of the letters received reflects an address not on file with GM Financial; and as a result, letters were mailed to you at the address provided on June 18, 2016 and July 25, 2016 asking you to contact GM Financial at ###-###-####, as additional information was required to be able to properly assist you. Per the Fair Credit Reporting Act (“FCRA”), 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 honor your request to delete the previous credit bureau reporting of your account.If you would like copies of account documents sent to you to validate this debt further, please provide GM Financial by phone or via a response through the Revdex.com with your address of record in 2013.Should you have any further questions, please contact GM Financial at ###-###-####.Sincerely,GM Financial