GM Financial

August 1, RE: Complaint ID: [redacted] Dear Mr [redacted] , Thank you for forwarding the correspondence sent to the Revdex.comI would like an opportunity to address your concerns, however additional information is requiredAt your earliest convenience, please provide your full GM Financial account number(s) or the last four digits of your social security numberUpon receipt of this information I will research this matter Sincerely,GM Financial

February 14, Re: Complaint ID [redacted] ? ? ? ? ? [redacted] Dear Ms***, Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information The MoneyGram payment in the amount of $was located and posted to your account on 02/13/2018, with an effective date of 01/16/Your account has not been reported to the credit bureaus for any late payments and no late charges have been assessed to your accountWe apologize for any inconvenience you have experienced as a result of this situation If you have any further questions or concerns regarding this matter, please feel free to contact GM Financial at ***)***- [redacted] Sincerely, GM Financial

August 2, Re: Complaint ID: [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 I would like to apologize for the poor level of service you feel that you have receivedPlease be assured that GM Financial gives customer service a high priority and is totally committed to achieving excellence A refund has been requested and is being processedA check in the amount of $was sent via regular mail to the address on July 28, Our records reflect this account is currently set up on the GM Financial Automatic Payment Plan Should you have any additional questions regarding this matter please feel free to contact Lease Customer Service at ###-###-#### Sincerely, GM Financial

February 16, 2017? Re: Complaint ID: [redacted] ? ? ? ? [redacted] ? Dear Mr [redacted] ,? Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information.? Please be advised that we received a payment in the amount of $on February 15, that applied towards your January of base rent payment, and a partial for February of paymentAs of the date of this letter, you have made out of monthly base rent payments and currently have a balance of $for your February of payment.? Our records reflect that the June of payment was not received until July 8, We received two payments in February of that covered December and January 2016, however the account has been running past dueAs previously advised, a copy of the Account Payment History will be mailed to you separately.? If you have any questions or require additional assistance please contact GM Financial at [redacted] .? Sincerely,? GM Financial?

Complaint: [redacted] I am rejecting this response because: I have let go of my attorney for the purposes of attempting to come to an out of court solution to this issue with the business? The business may work with me directly for the purposes of resolving this complaint Regards, [redacted]

Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information.GM Financial’s position regarding this matter has not changedValidation of the late fee balance has been provided to youShould you have any further questions or require additional assistance, please feel free to contact Customer Service at ###-###-#### or [redacted] .Sincerely,GM Financial

Complaint: [redacted] I am rejecting this response because:GM Financial is still ignoring the majority of my concerns and just parroting back their poor policy on a singular facet of the complaintI don't "feel" there was poor service, there was, numerous timesIt is not hard to find systems that do not take people's money when it's not owed and that allow choice in due date, and it is even simpler to INFORM your customers that you do NOT have these systemsThe people working in customer service have no knowledge of how their own system works and make no attempt to inform customers if they do knowYou can repeatedly call and ask reps a question and get entirely different answers from each repI've worked in customer service and billing since I was in High School - none of this is a lot to ask and none of this is difficultIt's worrisome to me that GM is entrusting this company with their lease loans and their name when the company can't even acknowledge mistakes and shortcomings in their training procedures or systemsThe fact of the matter is I have hit billing issue after issue due to employees giving bad advice when I call with questionsI do this for a living - if staff tells me how to set something up correctly, I can do it without issueThis is the concern Regards, [redacted]

February 10, 2017? 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.? On April 15, 2013, you entered into a Retail Installment Sale Contract (“Contract”) with Pruitt Ford for the Ford Edge in the amount of $16,at an interest rate of 13.60%Within the agreement, he agreed to repay the loan in monthly installments in the amount of $per month, beginning May 15, 2013.? On December 08, 2016, the decision was made to repossess the vehicle, as allowed by the contractAt this time the account was days past duePlease be aware, numerous efforts were made to contact you regarding the status of his accountThe 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.? Included for your review is a copy of the Contract and Account Payment HistoryIf 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 your additional informationI have read numerous complaints about GM financial and creating situations like mineAll of my attempts to fax my phone records to your company were rejected, because they show no phone callsThis is when Ms [redacted] told me, if they make a call and it doesn't go through it is not their problemI also received to right to cure letter, though you may say you sent them and one to each of us on the loanYour customer service department told me they do not send out repossession lettersYour reinstatement department said they had sent out one?? I'm still patiently waiting to receive either in the mailI feel as though not one person at your company is listeningI feel as thought I am just repeating the same things over and I know I amNow I have been a long standing customer for many yearsThe way I was treated and talked to on the phone by your company was extremely unprofessionalNever have I been treated this poorly companyI also refuse to call your customer service department for this reasonAs I told your supervisor in your reinstatement dept, I have spoken to a lawyerDo I want to hire one no, that will only be more money out of my pocket due to your companyThough the lawyer did try, my assumption would be I had a good caseSuch as the breach of peace law, which was violatedAlso an implied acceptance was violated, in which even a verbal agreement between myself andThe customer service representative about the two different dates that were given to me were agreed uponIf I was not given the second date, why would I have paid the the interest payment for the defermentI was given the dates of August 21st or August 28thWhich I promptly paid the amount agreed on, on the date agreed uponYet, your company is accusing me of lying? I am not gaining anything at this point, I have paid all of your outrageous fees, to retrieve my carI paid $in late fees, $for a reinstatement fee and $to get my car off of a lot where it should not have been taken in the first placeI lost a paycheck, being able to get my children from school, and not being able to go to workThis error was not on my part or why would I still be questioning for some type of answers that make senseI would very much appreciate speaking to someone who actually cares about what their customers are being put throughPlease do not waste any time typing your customer service number down pleaseI will keep searching for my answers and someone to talk to about this matterAs I believe I was treated unfairly and very poorly, this being spoken by a veteran of the army that served your company and families

June 8, 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 On January 17, 2017, you entered into a Retail Installment Sale Contract (“Contract”) for a used GMC Yukon with AutoNation Honda ChandlerGM Financial was not present at AutoNation Honda Chandler during the signing of the contract and was not privileged to any agreements between the two partiesThe contract was subsequently assigned to GM Financial We empathize with the problems you may have experienced; however, all mechanical issues would need to be resolved between yourself, AutoNation Honda Chandler and the manufacturer of the vehicle, if necessaryIf you would like to discuss this matter further with the manufacturer of your vehicle, please contact the GMC Customer Assistance line at [redacted] Should you have any further questions, please feel free to contact GM Financial at [redacted] Sincerely, GM Financial

January 12, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] Dear Ms***, 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 full GM Financial account number or social security numberPlease include your desired resolutionUpon receipt of this information I will research this matter Sincerely, GM Financial

October 17, Re: Complaint ID: [redacted] [redacted] Dear Ms***, 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 full GM Financial account number or social security numberUpon receipt of this information I will research this matter Sincerely, GM Financial

Complaint: [redacted] I am rejecting this response because:? Thank you for the resolution on the October paymentI? am Rejecting this resolution because of the mark that will still exist for March I called GM Financial yesterday to further understand why the March payment was still being Marked as days passed dueThe explanation given to me was the Mark was for the February paymentThe computer records show the payment coming in and then being reversed and then received on March 9thWhile reviewing my bank statements the payment was taken out prior to march 9th and prior to 30days past dueI have provided my bank statement to GM Financial to show that the payment was taken prior to the marked date in your systemWhen making payments to GM Financial I use western union and not any automated bill pay from my bankI emailed my bank statement to [redacted] yesterdayIf needed I can provided my bank statement here Regards, [redacted] ***

October 20, 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 check number [redacted] received on September 11, 2017, in the amount of $28,was cashed by GM Financial and then was returned as “Refer to Maker” on September 19, Please be advised you will need to contact your financial institution in regard to this matter Should you have any further questions or require additional assistance with regard to this matter, please contact Customer Service at (800) 284- Sincerely, GM Financial

January 12, 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 offer the following information Our records reflect that we reported the full balance of $for the July due date, since the balance was due in full at that time 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

Thank you for the additional correspondence sent to the Revdex.comI have reviewed your comments and would like to offer the following information First, I 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 excellenceThe proper follow up has been conducted and feedback has been provided ?The terms of your contract and how late payments affect your account were clearly stated on your Retail Installment Sale Contract (“Contract”)When you signed the Contract you agreed to the termsThe first section on the back of your Contract explains how finance charges are calculated and how late or early payments change what you must payEach time a deferment was submitted, at your request, you were notified of the affects verbally; and notices restating the effects of deferments were included on your monthly billing statements following the processing of the deferments With regard to your interest rate, per the first page of your Contract, you would have needed to negotiate this rate with your dealership ("Seller") prior to signing and agreeing to the Contract GM Financial has complied with the Release of the Lien on June 19, 2015, and apologizes for the delay of the release Included for your review are copies of your Contract and the Billing Statements sent after the processing of each of the deferments Should you have any further questions, please contact Customer Service at 1-800-284- Sincerely, GM Financial

September 25, ? RE:? Complaint ID:? [redacted] ? ? ? ? ? ? ? [redacted] ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? Dear Mr [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

Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information On July 18, 2015, you signed a retail installment sales contract for a Chevrolet Camaro in the amount of $24,at an interest rate of 3.00%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning September 1, Please note that GM Financial places a high priority on adhering to all state and federal lawsThe state of Arkansas does not require cure notices to be sent prior to submitting the account for repossessionOn January 21, 2016, the decision was made to place the vehicle out for repossession, as allowed by your contractAt this time 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 A review of your account reflects that billing statements beginning with the statement dated November 11, reflected a past due balance owedPer your telephone conversation with Christine on January 16, 2016, you confirmed all billing statements were receivedPlease be advised numerous calls were made to all authorized numbers on the account between December 14, and January 23, 2016, in an attempt to discuss the status of the account prior to the repossessionOur records further reflect that contact was made with [redacted] Jron December 14, and that he was made aware of the status of the account 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 the 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 his account Copies of your Contract and all billing statements have been included for your reviewIf you have any further questions or are in need of additional assistance regarding this matter, please contact GM Financial directly at 1-800-284- Sincerely, GM Financial

Thank you for the additional correspondence sent to the Revdex.com regarding your GM Financial accountI have reviewed your concerns and would like to offer the following information.As you were advised on several occasions, the account will continue to roll delinquent until the receipt of the payoff Our records reflect that the payoff for your account was not received until August 6, 2015; when the account was days past dueBoth you and Jennifer Hutchinson were notified of the status of the account by telephone and by email prior to the reporting of the account to the credit bureau reporting agenciesNotification of a trade in is not the receipt of the payoff; you would still be liable for the account until the payoff is receivedGM Financial is not responsible for payments sent to an incorrect addressGM Financial has not changed its position regarding the credit bureau reporting of the account; 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.Should you have any further questions or require additional assistance, please feel free to contact Customer Service at ###-###-####.Sincerely,GM Financial

June 29, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] Dear Mrs [redacted] , Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information On May 28, 2017, the vehicle was involved in an accident and declared a total loss by USAA Insurance (“USAA”)On June 12, 2017, GM Financial quoted a payoff in the amount of $24,good for days to USAAOn June 21, 2017, GM Financial received a payment from USAA in the amount of $17,As per your contract, the payment was applied to the balance of your account reducing what you oweInsurance proceeds will only be applied to the principal balance of the accountYou are still responsible for maintaining the monthly installment payments and are still subject to monthly credit bureau reporting until the account is paid in fullThe insurance proceeds received from USAA were applied to your account balance and were not enough to pay the amount you oweOur records indicate that the payment history has been sent and your GAP claim is still being processed by your providerPlease allow time for this process to be completedOnce insurance and gap proceeds have applied to the remaining contract liability, you with either be billed for the remaining balance or you will receive an overage refund I have included a copy of your payment history and your last two billing statements for your recordsIf you have any further questions or are in need of additional assistance regarding your account, please contact the GM Financial Total Loss Department at [redacted] Sincerely, GM Financial