GM Financial

October 27, Re: Complaint ID: [redacted] ? ? ? ? ? ? [redacted] Dear Mr [redacted] , Thank you for the correspondence sent to the Revdex.comFurther review of your account is required at this timeGM Financial will? issue a full response once the review has been completed Sincerely, GM Financial

Revdex.com: I have reviewed the response made by the business in reference to complaint ID 11518553, and have determined that this does not resolve my dispute Please enter your reason(s) for rejecting the business response belowPlease be advised that my position has not changed and I feel that your company did not handle me as a customer wellI'm sure I'm not the only person to fall behind in payments which is why you have deferment programsWhat you need is to ensure that your customer service rep are thorough in their communications and that you should monitor all calls going forward so as to avoid these issuesYou have the poorest customer service and management I've ever encountered and it us my hope that my complaint warns others and prevents you from damaging others people's livelihoods and credit Sincerely, Your former disgusted customer [redacted] ***

March 15, 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 On February 18, 2014, you entered into a Retail Lease Agreement with [redacted] ? for the Chevrolet EquinoxWithin the agreement, you agreed to a month lease term with a monthly payment in the amount of $per month, due on the 18th day of each month beginning February 18, As outlined in the Lease agreement (See Page 2, under Other Term and Conditions Return of the Vehicle), you will return the vehicle in clean conditionIf you do not buy the vehicle from us under your purchase option, you agree to return the vehicle to us at a place we designateWhen you return the vehicle, you must give us a completed, signed odometer disclosure statementYou agree to pay us any amounts you owe under the Lease and have not paidAs of the date of this letter, there is a remaining lease liability balance still owed in the amount of $1, Please understand that 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 Enclosed is a copy of the Retail Lease Agreement for your reviewShould you have any further questions or require additional assistance with regard to this matter, please contact Customer Service directly at ###-###-#### Sincerely, GM Financial

January 24, 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 l [redacted] to offer the following information Please be advised as stated in the Agreement of Substitution of Collateral, signed by you on June 11, 2016, the account must remain current at all times Please understand that GM Financial is required to report truthful and accurate information to the credit reporting agenciesOur research concludes that the account status and account payment history have been reported to the credit agencies with accuracyAs a result, we are unable to make any changes or deletions Should you have any further questions or require additional assistance regarding this matter, please contact GM Financial directly at [redacted] 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.GM Lease Assumptions stated at the start of the process, it would take 30-days to complete in full? GM sent a document stating the process was complete? Now, GM is stating no it wasn't, our mistake? That is not how things work in an accountable corporate world? I am requesting a refund in full for the July payment as this letter is written proof that GM had completed their process? The statement saying that it took longer, is unacceptable Regards, [redacted]

March 23, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] Dear Mr [redacted] , Thank you for the additional correspondence sent to the Revdex.comAs previously explained, please forward me your social security number and or account number to address your concernsPlease also note, there was no attachment with your complaint Sincerely, GM Financial

Complaint: [redacted] I am rejecting this response because: If I'm to go by your statement that I've asked for over months to get from your companyThen as you can see on the bill I do not owe September as I paid August on 9/and you guys received a partial payment of $on 10/so that is for? August and September I now owe dollars for the September paymentMy vehicle was repo'ed prematurely as I now only owe you guys October and NovemberDecember isn't due until the 9thAnd on Friday Decyou guys were going to receive the payment for the owed for September and Octobers payment which I called and told you guys that I would pay this on Monday Nov 28thSo please tell me how much is owed to get my car back after you guys have repo'ed Please look at your own statement that you sent to me before replying Regards, [redacted]

January 26, 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 On December 29, 2017, you entered into a Motor Vehicle Lease Agreement (“Contract”) with Frank Shirey Cadillac Incfor the Cadillac XTGM Financial was not present at Frank Shirey Cadillac Inc(“Dealer”) during the signing of the contract and was not privileged to any agreements between the two partiesThe contract was subsequently assigned to GM Financial Please be aware, as stated in your contract (See Page 1) it states, you agree to the terms of this leaseYou acknowledge you have examined the vehicle, that the vehicle is equipped as you want, and that it is in good conditionUnfortunately, GM Financial is unable to honor your request to cancel your contractPlease be advised the responsibility for this contractual obligation remains.Should you have any further questions or require additional assistance regarding this matter, please feel free to contact GM Financials Lease Customer Service department directly at [redacted] ? Sincerely, GM Financial

November 30, 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 As you have been advised, GM Financial is both by law and by contract required to report truthful and accurate information to the credit reporting agencies While there are times, and yours is one of them, where we might like to follow our hearts and the equities of the situation and ignore our legal and contractual obligations, we just cannot do so We understand you are not disputing the accuracy of the credit information we have reported, and as you were previously notified, GM Financial had previously, reviewed the data that was sent to the credit reporting agencies regarding your account and has determined that the information is accurately reported Although this is not the answer you wanted to hear, GM Financial simply cannot offer a “courtesy” waiver of accurate reporting If the rules were not strict in this area, the ability of both consumers and financial companies to rely on the credit reporting system would become a problem Accordingly, and with mixed emotions, I must inform you that GM Financial unable to honor your request to delete or alter your account information from your credit report If you have any questions or require additional assistance please contact GM Financial at [redacted] Sincerely GM Financial

I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me GM Financial would like my account number I am sending this through you to forward to them My account number is [redacted] The last four digits of my SSS # are *** Please let them know that I do not want any information that tells me that I need to take another step to get my car title which is what I have been given for the past months It was paid off through them and I never received it, DMV in California never received it and it is not at the WV DMV They should have it and I would like for them to send it to me

October 17, 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 As outlined in your Lease agreement, you are responsible for Excess Wear and Tear and Excess Mileage charges as described within the LeaseTotal termination charges are calculated after the Lease Termination Inspection is done to the vehicle As a courtesy, GM Financial waived $of the Excess Wear and Tear for the remaining lease payment as part of the GM Financial Loyalty ProgramThe program rules explain that any billable amounts that exceed $in excess wear or $in excess mileage will be the responsibility of the customerAs of the date of this letter a deficiency balance is still owed on the Lease in the amount of $ Should you have any additional questions regarding this matter please feel free to contact Lease Customer Service at ***-***- [redacted] Sincerely, GM Financial

Complaint: [redacted] I am rejecting this response because:There is a misunderstanding? I am not asking to be removed from the loan or said contract for the lease? I am simply asking that I be allowed to re-register the car in the state of NJ so that I will not be solely listed on it with [redacted] and held liable for any and all parking tickets or ezpass violations? I went to the DMV and was advised the power of attorney provided to me to do this was not worded properly? The supervisor at the NJ DMV advised me the power of attorney needs to state that my name be removed from the vehicle registration and [redacted] 's name be placed on it with [redacted] ? This is a common procedure involving only registration? It has nothing to do with the contract for this vehicle which is under bankruptcy at the moment? GM has repeatedly advised me that if [redacted] continues to pay they will let him keep the vehicle even though I filed bankrupcy? I have no problem with this but I can not be left on his registration? He is not even listed and this is causing major problems for me? ? This is leaving me responsible not [redacted] for any and all parking tickets and ezpass violations? Please don't hesitate to contact me if further clarification on the issue is needed Regards, [redacted]

Complaint: [redacted] I am rejecting this response because: I Have given my social and account number to multiple employees of this company.Also in the response I am supposed to respond to, they give no one except a number that leaves you on hold for an hour or two while no one answers or nothing gets done even after you have spoken to several employees including "managers" Regards, [redacted]

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 As stated numerous times, that payment you are referring to (received on July 28, that was rescinded by my financial institution) is a completely separate issue and I will not be commenting on thatThe payment that is in question is the other $payment that GM Financial processed on July 28, That is what this complaint is in relation to (complaint ID [redacted] )Please process the refund for that payment ASAP due to the issues detailed in this complaint Regards, [redacted] ***

October 5, ? RE:? Complaint ID: [redacted] ? ? ? ? ? ? ? ? [redacted] ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? Dear [redacted] , Thank you for forwarding the additional correspondenceWe have reviewed your concerns and would like to offer you the following information After a thorough review of your account, our system of record reflects that GM Financial did not report negatively for the months of August and September deferred payments to the credit reporting agenciesPlease understand that the reporting dates are for the prior months, as a result the delinquency reported in August reflects how you paid in July ? 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 at this time? We have requested a payment history to be mailed to you for review, you should receive it within 7-business days? Please contact our office at [redacted] should have you further questions or concerns ? Sincerely, GM Financial Tell us why here

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

January 24, 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

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information Please note on January 11, 2014, you signed a Retail Installment Sale Contract for a Dodge Avenger in the amount of $ 16,at an interest rate of 17.99%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning February 25, On April 18, 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 lawsThe state of North Carolina does not require a cure period or notice of repossession be mailed prior to repossession Please be advised numerous efforts were made to contact you with regard to the status of the account, including contact emails that were sent out on February 22, March 2, March and April 6, to the email address on fileOur records reflect that we last spoke with you on February 8, 2016; at which time you informed us you would contact us on February 19, to set up further payment arrangementsThe last payment received on the account was on February 29, Please understand that storage charges accrue daily and are owed separately to the repossession agentA repossession fee is charged every time a vehicle is picked up, along with any other repossession fees Included for your review are copies of your contract, and account payment historyShould you have further questions or require any additional assistance, please contact the Reinstatement Department at (877) 251- Sincerely, GM Financial

I am rejecting this response because:I am not disputing the fact that a payment was due as of Jan A payment was indeed made in the amount of about $on or about December Being that this payment was made prior to the 1st of January what was the reason for it not covering my January payment plus future dated payments? Is there a place in my contract that states that an insurance payment would not be applied to my account in the same manner as a payment coming from my personal bank account? The funding to the account should have been the same no matter where the source of payment came fromThis is a form of miscommunication by both parties because during none of the phone calls was I made aware that an insurance payment wouldn't be the same as a regular paymentFrom my previous payment history of this account I have proven that I wouldn’t have just neglected my payment responsibilities purposelyI am quiet sure that this account can be reviewed and a reasonable decision can be made.Regards, [redacted] ***

Complaint: [redacted] Requested details below:Account # - [redacted] GMC TerrainThe account will be paid and up to date within hours in good faithI would certainly appreciate a resolution in this matter and the right, moral thing being doneAgain, the issue is that the fact that auto-pay being turned off was not disclosed to me and the proper communication was not in placeI received no email and the voicemails did not indicate who was calling (I went as far as blocking this number because of how much it seemed like Spam).Thank you, [redacted]