GM Financial

July 6, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] Dear [redacted] , Thank you for the additional correspondence sent to the Revdex.comWe have reviewed your concerns and would like to offer the following information As previously advised, on May 22, GM Financial mailed a letter to the address on file informing you that per a notification from [redacted] ***, a clerical error was found in the vehicle identification number on the contractI have included a copy of these notifications for your review Our records reflect a Notice of Default, Right to Cure, and Intent to Accelerate was mailed to your address of record on May 22, Per this notice, you had until June 5, to cure this defaultThe vehicle was placed out for repossession on June 13, 2018, when the account was over days past dueThe 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 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 account Should you require additional assistance or if you would like to discuss your reinstatement options, please contact GM Financial at ###-###-#### Sincerely, GM Financial

Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following informationOn January 10, 2010, you entered into a Retail Installment Contract and Security Agreement (“Contract”) with Rapid Motor, LLC for the purchase of the Dodge DurangoGM Financial employees were not present at Rapid Motor, LLC (“Dealer”) 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 $18,and a finance charge of $15,which resulted in a total of payments of $33,527.52, 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 page one of your Contract under “Promise to Pay and Payment Terms”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 22.50% in installments of $ A review of your account activity and payment history reflects that additional interest accrued over the life of the loan due to payments being made after the scheduled due date, two due date changes, and deferments that were processed at your requestThroughout the time your account has been active; deferments were processed for the months of June and July of 2010, September and October of 2010, December of 2012, and January of Because of the due date changes and deferments processed at your request, the maturity date of the account moved to August 15, On page two of your Contract under “General Terms”, it is also explained that the actual amount you will pay may be more or less depending on your payment recordThe deferment agreements were e-mailed to [redacted] on October 27, 2010, December 31, 2010, and December 3, Our records reflect that the agreements were signed electronically on the following dates with the following acknowledgement numbers:October 27, with an acknowledgement number of January 5, with an acknowledgement number of 518068December 4, with an acknowledgement number of Within this agreement you were advised that interest will continue to accrue during the month(s) deferred on the unpaid balance of the contract at the rate specified in the contract and any deferment fee collected may not be sufficient to pay this accrued interest, and that this would result in a final higher payment due at the end of your contract on the new maturity dateOn August 15, 2015, one year prior to the maturity date of your contract, the Simple Interest Maturity Notice was mailed to all parties to the Contract at their last known addressThis notice advised you of the balance of your account as of the date of the notice and that based on your payment amount and the balance of your account, it was anticipated that your final payment due at maturity will be more than your regular monthly payment amountInterest accrual was again explained within this noticeGM Financial is unable to honor your request to refund an amount of $3,or release the title to the vehicleFinance Charges are being assessed as per your Contract and within the maximum amounts permitted for this sale by state or federal lawCopies of your Contract, Account Payment History, and the Simple Interest Maturity Notice mailed to you on August 15, 2015, as well as the electronically acknowledged deferment agreements have been mailed to your address of recordShould you have any further questions or require additional assistance, please contact Customer Service at ###-###-####Sincerely,GM Financial

Thank you for the additional correspondence sent to the Revdex.comGM 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 Nissan Murano in the amount of $16,at an interest rate of 7.90%Within the agreement, you agreed to a repay the loan in monthly installments in the amount of $per month, beginning on June 7, 2015.Please note that GM Financial places a high priority on adhering to all state and federal lawsThe 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, with a tracking number of According to the USPS website, this item went Unclaimed and the Max Hold expired on December 12, 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 contractAt this time the account was days past due and no firm payment arrangements were in placeThe 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, 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 receivedOn Saturdays, this department is available from 9:a.mto 1: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,and includes the following charges:December 7, Installment Amount of $291.73November 7, Installment Amount of $291.73October 7, 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, and at this time have advised GM Financial that you are declining to reinstate the VehiclePlease be aware that if the vehicle is not reinstated/redeemed, the vehicle will be sold at a private saleNotices of the Right to Redeem or Reinstate and Our Plan to Sell Property have been mailed to your address of record on December 21, The Notice of Our Plan to Sell Property explains in further detail your continuing obligationsPlease 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 soldIncluded for your review are copies of your Contract, Account Payment History, and USPS Tracking ReportFor 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

March 6, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] Dear Mr [redacted] Please understand that GM Financial is unable to provide additional information without an authorization and consent form signed by our customerYou may have Mrs [redacted] contact Customer Service at ###-###-#### to discuss this matter further Sincerely, GM Financial

Complaint: [redacted] I am rejecting this response because: GM Financial just admitted above that I never game them that address that they sent correspondence to me toAlso, it is my understanding after speaking with the USPS that certified mail cannot be sent to a P.O box addressTherefore, GM Financial has knowingly sent legal notices that they are supposed to have confirmed I received and failed to do so? They have not acted in good faith by purposely sending a letter to an address I am not associated with and to an address where it is impossible to confirm that I got itThey never sent any communication to any of the two addresses I gave themBecause of this oversight I am asking that GM FINANCIAL stop all collection activity and write off the remaining balance they claim I owe off the booksGM Financial is in clear violation of the law and knowingly contininugly violating the law by refusing to obey my requestAll I am asking for is for them to stop collection activity and waive the remaining balanceThey have already collected prior payments from me, a larger down payment,and have sold the car at auctionThey have not technically lost any money from dealJust take your profits and leave me alone! Why try to take more money from me illegally!? Regards, [redacted]

Complaint: [redacted] I am rejecting this response because I cannot get a duplicate title from the NJ Motor Vehicle Commission until I receive a SIGNED release of lien from GM Financial.? I have only been given an UNSIGNED one.? I need another SIGNED release of lien from GM Financial Regards, [redacted]

April 20, Re: Complaint ID: [redacted] ? [redacted] Dear Mr***, 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 you were enrolled automatic monthly ACH payments to draft on your due date of the 20th of every month Please note, we require a notice of business days in order to cancel the automatic payments Please be aware, the payoff check received from [redacted] The payoff was posted to your account on March 20, with an effective date of March 19, The overage refund is scheduled to be sent to you on April 20, per the standard time frameYou may contact our customer service department and provide proof of cleared funds for the March 20, payment in order to request an expedited refund We would like to apologize for any inconvenience you have experienced as a result of this situationShould you have any additional questions regarding this matter, please feel free to contact GM Financial at ###-###-#### Sincerely, GM Financial

July 31, 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 Please be advised payments are applied to the principal if the account is paid aheadOur 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

August 17, Re: Complaint ID: [redacted] *** Dear Mr***, Thank you for the correspondence sent to the Revdex.com regarding your GM Financial accountI have reviewed your concerns and would like to provide the following informationAt this time, the account is currently still under reviewPlease allow an additional 7-days to complete the research and issue a response Sincerely, GM Financial

Thank you for forwarding the additional correspondence sent to the Revdex.com ? Our records indicate on February 10, 2016, you made arrangements to pay $per month, however GM Financial only received one payment with regard to this arrangementAny agreements are now null and void as the payment arrangement was not kept? Please note that your account is now with an outside agency and you will need to contact them with questions regarding any additional agreements madeThe company has recently changed from NCC to TSI and you may contact them at [redacted]

Complaint: [redacted] I am rejecting this response because: in the reply from GM they stated and I quote " Regards,GM Financial is required to report truthful and accurate information to the credit bureau reporting agenciesOur research concludes that the account status and payment history of your account have been reported to the credit bureau reporting agencies with accuracy"I then request that GM notify the billing department that my account is up to date and the balance is 10,GM billing collectors keep calling and telling me that I owe my January payment when on my credit report from EXPERIAN it clearly is marked as paidI also request GM to adjust my balance to match that balance on which the accurate credit report statesThe GM bill collectors state my balance ic much much higherIn the reply from GM they clearly stated the credit reports are accurate in account status and paymentIf this is true they need to contact their billing department and get this fixed asapBecause GM is now voilating the FCRA by calling me everyday for a payment that has already been paid And as far as GM not responsible for redit appprovals, I can show you a whole handful of denials from GMAll the dealership does is take a persons information and then pass it along to GM for a deny/appovalThe dealership does not make the approval decision as statedFalseDirect or indirect GM FINANCIAL has any and all say when it comes to financing through themWho ever wrote their reply was very misinformedThat staement was not thought out very well [redacted]

January 12, Re: Complaint ID: [redacted] [redacted] Dear Mr***, Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information As you are not a party to the lease agreement, GM Financial is unable to discuss account specific information without consent from the account holder We apologize for the poor level of service you feel you have receivedPlease 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 have the account holder contact our Lease Customer Service department directly at [redacted] Sincerely, GM Financial

December 11, Re: Complaint ID: [redacted] [redacted] [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 Our records reflect that you were enrolled automatic monthly ACH payments to draft on your due date of the 21st of every monthPlease note, you were advised on November 18, and November 20, that we require a notice of business days in order to cancel the automatic payments and that the payment scheduled for November 21, would still draft Please be aware, the payoff check received from Burt Watson Freeland Chevrolet contained an incorrect account number and did not contain any information pertaining to you or your accountGM Financial was contacted by the dealership on November 21, and additional information was provided to locate the funds in questionThe payoff was posted to your account on November 30, with an effective date of November 7, The overage refund is scheduled to be sent to you on December 30, per the standard time frameYou may contact our customer service department and provide proof of cleared funds for the November 21, payment in order to request an expedited refund We would like to apologize for any inconvenience you have experienced as a result of this situationShould you have any additional questions regarding this matter, please feel free to contact GM Financial at [redacted] Sincerely, GM Financial

Complaint: [redacted] I am rejecting this response because:? They are liars, I did not have due process Regards, [redacted]

April 5, 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 Our records reflect your GM Financial account [redacted] ? has been corrected and reflects the next payment due date is April 9, in the amount of $ Should you have any further questions or require additional assistance in regards to this matter please contact GM Financial at ###-###-#### Sincerely, GM Financial

June 11, 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 GM Financial suppressed credit bureau reporting during a recent system enhancement We have 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 We have mailed a copy of the paid in full letter, a credit rating letter and account payment history for your review Should you have any additional questions regarding this matter, please feel free to contact GM Financial at ###-###-#### Sincerely, GM Financial

December 12, Re: Complaint ID: [redacted] ? ? ? ? ? [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 Our records reflect that the title was sent out to the address on file on December 8, We apologize for any inconvenience this has caused and appreciate your patiencePlease 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 additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information.We apologize for any miscommunication you feel may have occurred.GM Financial places a high priority on adhering to all state and federal lawsThe state of Missouri requires a cure period or notice of repossession be mailed prior to repossession twice per contractThese notices were mailed to both parties liable for this contract at your last known address on May 12, and August 12, The decision was made to place the vehicle out for repossession, on September 2, 2015, as allowed by your contractAt this time the account was days past dueThe 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 lawsAs you were previously advised, our records reflect that the deferment amount was due on August 21, and that numerous phone calls were made, to both parties of this account, and voice messages were left in an effort to discuss the status of the account from August 24, up through the date the repossession occurredE-mail correspondence was also sent to [redacted] regarding the status of the account on August 31, 2015, September 8, 2015, and September 16, 2015; prior to the date of the repossession.Please be advised that the repossession company is an independent contractor and is licensed as suchAny claims against their company, like those regarding the damage to your driveway, will need to be addressed directly with their company and/or licensing authorityPlease understand that not all telephone calls are recorded and are for internal use for training purposes onlyIncluded for your review is an additional copy of the e-mail sent to [redacted] on September 8, 2015.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.comI have reviewed your concerns and would like to offer the following information Upon review of the account, GM Financial has submitted an update and forwarded the proper documentation to all three major credit bureaus to have the day delinquency removedPlease allow 30-days for this information to update and reflect accordingly Should you have any additional questions regarding this matter please feel free to contact GM Financial at ###-###-#### Sincerely, GM Financial

January 4, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] ? Dear Ms [redacted] , Thank you for the 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