GM Financial

My ssn is [redacted] ***

January 3, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] Dear Mr [redacted] , Thank you for the correspondence sent to the Revdex.comWe have reviewed your concerns and would like to provide the following information Please be advised that our records reflect a duplicate release of lien was requested on December 30, This will be sent to your address of recordPlease allow some time to be received Should you have any further questions or require additional assistance with regard to this matter, please contact GM Financial directly at [redacted] Sincerely, GM Financial

I am rejecting this response because: My credit score has dropped 60points in the process of you all not reporting to the credit bureausI tried to get a loan for a house and was denied because the report came back stating I was payments behind on a car note that you all received money forYou all need to forgive my loan and send me the title for the vehicleYou have ruined my credit score and the only solution you think you’re going to do is send my payment to the credit bureauThat’s not solving anything because that’s what was in my contract I signedWas for you all to report my payments to the credit bureau monthly not whenever you all felt like itI have already told you all the outcome that I wantI have been calling you all for the last months asking to correct my payments and none of your managers did anything [redacted] I spoke to several people who said they are sending reports to get it resolved and here we are nowSend me the title for my vehicle and forgive the loan.? ? Regards, [redacted]

Complaint: [redacted] I am rejecting this response because: According the Credit Bureau's a "Charged off" mean a debt was transferred or sold to a third party and is no longer being held by that creditor? As you have already said, this loan is now being managed by HarvestSo, in lieu a Charged off debt no longer holds a balance and or payment.? If in fact this loan still recides with GM, then it is not a Charged off debt.? All of your coorespondences are contridicting each otherPlease EXPLAIN how you are reporting accuratly and cannot change the reporting to the credit bureaus.? How can a CHARGED OFF debt still hold a balance?? Regards, [redacted]

March 20, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] Dear Ms [redacted] , Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information As of the date of this letter, your account currently ending in reflects a credit of $ Should you have any further questions or require additional assistance in regards to this matter please contact GM Financial at [redacted] 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

Complaint: [redacted] I am rejecting this response because: the inaccurate and negative credit reporting (days paid late) from GM Financial is drastically affecting our credit scoreWe are in the process of trying to purchase our first home and due to the drastic drop with our credit score, we cannot proceed to get financed!? Regards, [redacted] ***?

Complaint: [redacted] I am rejecting this response because: Regards, [redacted] ***

June 11, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] Dear Mr [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 multiple attempts were made to fax a payoff letter with the information you provided beginning May 16, and again on May 18, An additional payoff letter was faxed on May 23, and again on May 30, After many unsuccessful attempts we spoke to you on June 1, and explained that the fax was not going throughOn June 5, you called our office and provided an additional fax numberPlease note, a payoff letter was faxed on June 7, to the number you provided to GM Financial Should you have any further questions or require additional assistance with regard to this matter, please contact Customer Service at ###-###-#### Sincerely, GM Financial

October 12, RE: Complaint ID: [redacted] ? ? ? ? ? [redacted] ? Dear Mr [redacted] , Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information Our records reflect that the title release was processed on October 9, Please allow 7-business days to receive from the date it is mailedWe 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 regarding your GM Financial Lease, please feel free to contact Customer Service at 1(***)***- [redacted] Sincerely, GM Financial

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information Per your lease agreement a payment of $is due on the 18th of each monthWe received a payment in the amount of $on April 19, for the March and April of base rent paymentsAt this time the account was days past due for the March 18, installment due dateYour MyAccount profile will not reflect a balance until it becomes dueOur records reflect that the account was reported more than days past due in April for the March installment due date GM Financial is required to report truthful and accurate information to the credit bureau reporting agenciesOur 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 You have the option of setting up the GM Financial Automatic Payment Plan online at www.gmfinancial.com Copies of your payment history will be mailed to you address separatelyIf you have any further questions or are in need of additional assistance regarding this matter, please contact GM Financial Customer Service Lease Department at 1-800-369- Sincerely, GM Financial

Revdex.com: I'm attaching a screen print from TrustedId in relation to the "credit alert" generated by Equifax for my accountAfter making probably dozen phone calls attempting to resolve the matter, I was able to pay a final balance todayI suspect the Revdex.com Complaint helped me get action on thisThe person I talked with also noted the dealer Malouf Chevrolet in North Brunswick NJ as refusing to accept delivery in November when I tried to turn the car inthat cost me an extra half day of my life as I had to drive the vehicle to where I originally bought it at Paramus Chevrolet complicating my getting homeI can't think of why anyone would ever use GMAC again after going through this nightmareIf the "credit alert" is not erased at Equifax within days I'll open a new Revdex.com complaint.? 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]

November 1, Re: Complaint ID: [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

April 23, Re: Complaint ID: [redacted] ? ? ? ? ? ? [redacted] Dear MsRoberts, 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 on February 12, 2018, a release of lien and motor vehicle title were mailed to your address on file Please be advised, an additional notarized release of lien was sent to your address on file via FedEx tracking number [redacted] ? and was delivered on April 11, at 9:a.m., left at front door As previously advised, GM Financial is unable to provide an additional title as the original title was mailed to you on February 12, Please contact the New Jersey Department of Motor vehicles and provide the required documentation in order to request a duplicate title If you have any additional questions regarding this matter, please feel free to contact GM Financial 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? Is there a time frame for the documents to be receivedIts already been a month since I paid off my car and still no titleIn hoping to avoid having to take legal action Regards, [redacted]

August 14, Re: Complaint ID: [redacted] [redacted] Dear Ms [redacted] , On August 21, 2015, you entered into a Closed End Motor Vehicle Lease for a GMC TerrainWithin the agreement, you agreed to a month lease term with a monthly payment in the amount of $per month, due on the 21st day of each month beginning August 21, Please be advised that payments received at our lease payment processing center are processed upon receipt and are subject to the United States Postal Service piand delivery time, as well as our business hours for processingOnce processed, the payment is posted to your account with an effective date mirroring the processing date If you would like to avoid additional mailing time or any online bill pay issues, you may utilize other payment options such as payment by phone, IVR, or online at www.gmfinancial.comThese payment options are provided by Western Union and may be subject to a convenience chargePayment 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 agenciesOur research concludes that the account status and account payment history have been reported 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 with regard to this matter, please contact Customer Service at [redacted] Sincerely GM Financial

August 23, RE: Complaint ID: [redacted] [redacted] Dear Mrs [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

September 18, 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

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information.On May 23, 2015, you and [redacted] signed a Closed End Motor Vehicle Lease for a Chevrolet MalibuWithin the agreement, you agreed to a month lease term with a monthly payment in the amount of $per month, due on the 23th day of each month.On July 2, 2015, at 8:11pm [redacted] submitted an ACH payment via the GM Financial’s automated system in the amount of $Confirmation for the submission of this transaction was As this payment was submitted after 5pm and during a holiday weekend, the payment was not submitted for processing by Western Union until the next business day on July 6, This payment was applied to the June 23, base rent due dateOn July 9, 2015, GM Financial received a return notice from Western Union of “No Account/Unable to Locate”On July 22, 2015, at 6:28pm a payment in the amount of $was submitted by debit card onlineConfirmation for the transmission of this transaction was This payment was applied towards the June 23, base rent due date, when the lease account was days past due.On August 19, 2015, at 3:27pm a payment in the amount of $was submitted by debit card onlineConfirmation for the transmission of this transaction was This payment was applied towards the July 23, base rent due date, when the lease account was days past due.? On September 29, 2015, at 2:17pm a payment in the amount of $was submitted by credit card onlineConfirmation for the transmission of this transaction was This payment was applied towards the August 23, base rent due date, when the lease account was days past due.? On November 9, 2015, at 3:49pm a payment in the amount of $was submitted by debit card onlineConfirmation for the transmission of this transaction was This payment was applied towards the September 23, and October 23, base rent due dates, at this time the lease account was days past due for the September 23, base rent due date.GM Financial is required to report truthful and accurate information to the credit bureau reporting agenciesOur 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 accountIncluded for your review are copies of your Closed End Motor Vehicle Lease and Statement of Account.Should you have any further questions or require additional assistance with regard to your lease account, please feel free to contact GM Financial at ###-###-####.Sincerely,GM Financial?

September 30, Re: Complaint ID: [redacted] *** Dear Mr [redacted] Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following informationOn February 9, 2015, you signed a Retail Installment Contract and Security Agreement (“Contract”) for a Chevrolet Traverse in the amount of $20,at an interest rate of 23.65%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning on March 26, The contract is a simple interest contract which means interest accrues daily on the unpaid principal balanceIf all payments are paid by the due date, the account will be paid in full on the contract maturity date Please note that GM Financial places a high priority on adhering to all state and federal lawsThe state of Montana does not require a cure period or notice of repossession be mailed prior to repossessionOn September 15, 2015, the decision was made to place the vehicle out for repossession, as allowed by your contractAt this time the account was days past due for the fourth installment payment of this contractThe 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 On September 18, 2015, you were quoted a reinstatement fee of $2,This amount included the past due installments of June 26, 2015, July 26, and August 26, 2015; as well as the cost of the repossession When you called in on September 22, 2015, your next installment payment was also included in the reinstatement fee, as this payment became due during the same weekThe account must be paid current in order to reinstate the vehiclePayment of reinstatement fees must be paid by certified funds like MoneyGram or Western Union Quick CollectThe reinstatement questionnaire is part of the reinstatement process and does not include an additional credit check as an application for credit wouldThis questionnaire is used solely to obtain and update current information; and must also be completed prior to the conclusion of the reinstatement processOur records reflect that the reinstatement process was completed and the release was sent to the Repossession Agent on September 22, Included for your records is a copy of your contractShould you have any further questions or require additional assistance, please feel free to contact GM Financial at 1(800)284-Sincerely,GM Financial