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GM Financial Reviews (4045)

Complaint: [redacted] I am rejecting this response because:The account has not been completely updated it only shows the $payment that I submitted on 1/15/the account HAS NOT BEEN UPDATED it states that I am late I could not be late if they received nine thousand dollar payment? ? Plus the GAP payment was sent on Jan 5, not Jan 1, this is very suspicious GM has not updated the account at ALL the same information has remained Regards, [redacted]

Complaint: [redacted] I am rejecting this response because:? GM Financial received the check from the dealerMy account says it is closed and I received a letter in the mail notifying me that my account has been paid offI presume GMF has the check, thus I should not need to contact the dealer for a copy of the checkPlease process my expedited refund as you offered in the first response Regards, [redacted]

Revdex.com: As I stated before, I will not be jumping through any more hoops for GM FinancialI will not contact my bank anymore on your behalf and I will be returning the car soonI will contact Transunion about my credit and explain what has happenedI will no longer be doing business with youI don't appreciate the lack of compassion for a customerYou apologize for the way I FEEL I was treatedNo its not how I feel I was treated, its how I actually was treated

January 10, RE: Complaint ID: [redacted] ? ? ? ? ? ? [redacted] ? Dear Mr [redacted] , Thank you for the additional correspondence sent to the Revdex.comI would like an opportunity to address your concerns, however additional information is requiredAt your earliest convenience, please forward me your social security number and or account numberUpon receipt of this information I will research this matter Sincerely, GM Financial

March 22, Re: Complaint ID: [redacted] [redacted] Dear Mr [redacted] Thank you for the correspondence sent to the Revdex.comGM Financial has reviewed your concerns and would like to provide the following information With the information you’ve provided, GM Financial is unable to locate an account or application for creditPlease provide proof of the inquiry and GM Financial will research further Should you have any further questions or require additional assistance with regard to your lease account, please contact me directly at [redacted] Sincerely, GM Financial

May 18, Re:? Complaint ID: [redacted] ? ? ? ? ? ? ? [redacted] ? Dear [redacted] , Thank you for the correspondence sent to the Revdex.com At this time, GM Financial is currently reviewing your account Please allow additional time for your request to be reviewed Once the review has been completed, a response will be communicated to you via regular mail Sincerely, GM Financial

Complaint: [redacted] I am rejecting this response because:The issue was not resolvedThe complaint is due to the business never stating their name on any phone calls or voicemail messages leftYou cannot call someone and leave a voicemail with only a persons name and ask for a call back the business needs to state their name or else I just assume it is a strange random person calling whom I do not knowAlso the business stated they mailed a letter before repossession but no such letter was ever receivedI had no prior knowledge the car would be repossessedOn the day it was repossessed I thought the car to be stolen because no notification was givenAgain, a company must leave their name on a voicemail for someone to know who is callingAnd no such letter that GM states they mailed out was received to the mailing address on file or we would not have been in the situationIf I had received the letter or received a voicemail stating it was from GM financial matters would have been handled and paid and would not had led to the car being repossessed.? Regards, [redacted]

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information Our records reflect that payments have been paid late on both of your GM Financial accountsAs per your contract, we may apply each payment to the earned and unpaid part of the Finance Charge, to the unpaid part of the Amount Financed and to any other amounts you owe under this contract in any order we choosePlease understand GM Financial will apply payments first to any past due monthly installments, then to the current installment and late fee balanceAlso per your contract, if a payment is not received in full within days after it is due, you will pay a late charge of 5% of the part of the payment that is late, with a minimum charge of $Included for your review are copies of the account contracts and complete account payment history of your accountsShould you have any further questions or require additional assistance, please feel free to contact Customer Service at ###-###-#### 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 A refund has been requested and is being processed A check in the amount of $ [redacted] will be mailed to the address on file We apologize for any inconvenience this situation may have caused Should you have any further questions or require additional assistance please contact GM Financial at [redacted] ? Sincerely, GM Financial

March 28, Re: Complaint ID: [redacted] [redacted] Dear Ms [redacted] , Thank you for the correspondence sent to the Revdex.com As of the date of this letter, all of the toll charges have been removed from the lease account number [redacted] We do apologize for any inconvenience this may have caused you, as GM Financial strives to give customer service a high priority and is totally committed to achieving excellence If you have any further questions or concerns regarding this matter, please contact Lease Customer Service at [redacted] Sincerely, GM Financial

Complaint: [redacted] I am rejecting this response because: I CALLED THE NUMBER AND WAS PUT ONTO ETERNAL HOLD AGAINTHIS WOULD HAVE BEEN THE 24TH PERSON I HAVE TALKED TO IN REGARDS TO THIS IN THE LAST MONTH AND A HALF Regards, [redacted]

May 4, Re: [redacted] ? ? ? ? ? Complaint ID: [redacted] ? Dear Ms [redacted] , Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information Please be advised, the payment in the amount of $1,was applied towards the principal balance of your account as of April 18, 2018, with an effective date of March 28, As of today’s date, the principal balance of your loan is $36,Please be advised, this is not your payoff amountYou will receive a payment history in a separate mailing for your review We appreciate you bringing this matter to our attention and apologize for any inconvenience you have experienced as a result of this situationPlease be assured that GM Financial gives customer service a high priority and is totally committed to achieving excellenceShould you have any further questions or require additional assistance, please feel free to contact GM Financial at ###-###-#### Sincerely, GM Financial

August 29, ? RE:? Complaint ID:? [redacted] ? ? ? ? ? ? ? [redacted] ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? Dear Ms [redacted] : ? Thank you for forwarding the additional correspondenceWe have reviewed your concerns and would like to offer you the following information ? On February 24, 2011, you signed a Retail Installment Sales Contract (“Contract”) for the Dodge Ram in the amount of $23,at an interest rate of 11.00%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning March 26, The contract is a simple interest contract which means interest accrues daily on the unpaid principal balanceIn 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 todayIf all payments are paid by the due date, the account would have been paid in full on the contract maturity date? Please refer to your signed contract under the section entitled FINANCE CHARGE AND PAYMENTS; section a through cThese sections outline how interest is figured based on using the true daily earnings method, how your payments are applied and how late or early payments change what you must pay ? As of date, your total payoff is $1,and is good through September 8, Please note that daily interest will continue to accrue as long as there is an outstanding balance ? A detailed payment history and a copy of your Contract have been mailed to the address on file ? Please feel free to contact our office at [redacted] should you have further questions or require additional assistance ? Sincerely, GM Financial ? Tell us why here

February 8, Re: Complaint ID: [redacted] Dear Ms [redacted] , Thank you for the correspondence sent to the Revdex.comWe have reviewed your concerns and would like to provide the following information We apologize for any inconvenience this matter may have causedPlease be assured that GM Financial gives customer service a high priority and is totally committed to achieving excellence Our records indicate that on December 26, a payoff amount of $33,good through January 5, was quoted to you by our automatic systemThe amount paid to GM Financial was the amount needed to pay off the loan and as a result we are unable to provide any type of refund Should you have further questions or require any additional assistance, please contact us at [redacted] Sincerely, GM Financial

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following informationOn February 12, 2015, you entered into a Motor Vehicle Retail Installment Sales Contract (“Contract”) with The [redacted] , Inc (“Dealer”) for the purchase of the Chevrolet MalibuEmployees of GM Financial were not present at the dealership during the signing of the contract and GM Financial was not an original contracting party in any agreements between the two partiesThe contract was subsequently assigned to GM FinancialYou promised to pay the amount financed of $28,and a finance charge of $11,which resulted in a total of payments of $40,698.00, if all payments are made on the contracted date they are dueIt 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, as indicated on the face of your contract, as well as on page two under “Finance Charge and Payments”By signing the contract, you agreed to abide by these terms, including paying the principal amount plus finance charges accruing on the unpaid balance at the rate of 11.90% in installments of $due monthly beginning on March 29, Currently, your account is days past due for the May 29, installment due date A review of the most recent billing statement for your account dated June 9, 2016, reflects the past due amount in the amount of $owed for the May 29, installment due date and the current amount due in the amount of $for the June 29, installment due date; totaling $1,GM Financial understands that customers may face financial hardships throughout the life of their loanPlease understand that deferments are not a contractual obligation and are not always availableAt this time, you have not yet established enough payment history since your last deferred payments in order to be eligible for this type of payment assistancePlease also understand that if your account becomes eligible for a deferred payment in the future, all deferments are subject to management approvalWe would like to apologize for the poor service that you feel you have receivedPlease be assured that GM Financial gives customer service a high priority and is totally committed to achieving excellenceYour concerns regarding your customer service experience have been relayed to upper managementShould you have any further questions or require additional assistance, please contact GM Financial at [redacted] Sincerely, GM Financial

September 25, RE: Complaint ID: [redacted] [redacted] Dear Ms [redacted] : Thank you for forwarding the correspondence sent to the Revdex.comI would like an opportunity to address your concerns, however more information is requiredAt your earliest convenience, please forward me your full account number or social security numberUpon receipt of this information I will research this matter Sincerely, GM Financial Tell us why here

I was never advised of any accruing interest between through then in March of someone did finally tell me there were charges adding up so I made arrangements to pay extra for payments so that I could pay ahead of the due date I was told this agreement would allow me to pay ahead of the due date which it didFrom July till now I payed weeks ahead of my due date So all those payments from through I was deceived by your company and charged hidden interest charges I was never told of these charges till and upon looking at my original contract these were on a separate sheet NOT THE SHEET I SIGNEDI dont know that this second page was even available at the contract signing but I suspect not Regardless, Every time I was not able to pay on or just after the due date I contacted youI was never told of any extra interest charges, it was not documented on my statements or told to me verbally from through Every time I called I was told there was no charges and no negative reports to the credit bureaus Also The only times I deferred a payment was when I changed employment or my pay schedule changed at which time I contacted you ahead to make arrangements concerned with negative reports to the credit bureaus Every time You lied and told me I was allowed deferrals without impacting my balance.You have no right to charge me over $in hidden feesWas I paying late? Not according to my credit reportWas I notified of hidden charges? Not until at which time we had an agreement and I payed extra monthly payments to get ahead of my due date Was I ever charged a late fee? No because I was not late Was I sufficiently notified of hidden charges by not paying on the due date?? Not once until 2014, after years of payments You are attempting to rip me off over $for for interest fees through deceptive practices and hidden interest feesI was never notified of until years of paymentsDid I make an effort to make adjustments to the way I was paying once I was notifiedYES and payed ahead every payment after thatI assure you if I had known of these hidden charges at the start of the loan I would have made an effort to adjust and pay the way I payed the second half, ahead of the due date I believe I have sufficient evidence of fraud and of deceptive lending practices Any further correspondence by me will be through my Attorney No wonder you have reports against you on RipOff Reports site

July 26, 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

June 21, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] Dear [redacted] , Thank you for the additional correspondence sent to the Revdex.com We have reviewed your concerns and would like to provide the following information Please be advised, as of June 13, 2018, GM Financial submitted an update to the credit reporting agencies regarding the current status of your account Please allow the credit bureau reporting agencies 30-days to accept and process the updateWe apologize for any inconvenience this has caused and appreciate your patience Should you have any additional questions regarding this matter, please feel free to contact GM Financial at ###-###-#### Sincerely, GM Financial

August 15, Re: Complaint ID: [redacted] [redacted] Dear Ms [redacted] , Thank you for the correspondence sent to the Revdex.comAt this time, GM Financial is currently reviewing your accountA response will be issued once the review has been completed Sincerely, GM Financial

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Address: P.O. Box 9000, Lutherville, Maryland, United States, 21094

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