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 Our records indicate that the payment in question was located and will post effective the original date it was received The account will be closed and reflect a zero balanceOur records reflect that you have not been reported to the credit bureaus for any late paymentsWe 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

Please enter your reason(s) for rejecting the business response below.I requested a copy of the following documents that you listed:October 27, with an acknowledgement number of 800152 January 5, with an acknowledgement number of 518068December 4, with an acknowledgement number of 279426I was denied these documents by your "Manager"I was told I could not have access to these documents but if a subpoena is issued in court then you would provideWhat is wrong with that picture? I am a consumer and have every right to view any and all documents to verify what you "claim" was in them By not providing them you are being deceitful and elusive. There are no unpaid balances as you allegeAll payments have been madeAccording to GM Financial website, as of May 14, Total payments that were made was 79; unless, it has since been altered. I have contacted the SD Attorney Generals Office and your corporate officeI know there is a social media blog regarding GM Financial and your tactics of adding on additional payments, refusal to send titles once contracts have been finished, and refusal to provide documentsPractices you are clearly following A Class Action lawsuit has been discussed.

July 23, Re: [redacted] ? ? ? ? ? Complaint ID: [redacted] Dear Mr [redacted] Thank you for the additional correspondence sent to the Revdex.com.? We have reviewed your concerns and would like to offer the following information Please be aware, GM Financial does not offer refinancingCustomers may choose to refinance their loan with another lender at any timePer your contract, you may pay off the loan early without penalty The “Notice of Right to Redeem” and the “Notice of Our Plan to Sell Property” were mailed to your address of record on April 11, The statutorily required “Deficiency Calculation” letter was mailed to the address of record on June 2, to inform you of the remaining balance owed after sales proceeds were deductedYou will receive a copy of the “Deficiency Calculation” letter in a separate mailing If you have any further questions or would like to discuss arrangements on the remaining balance, please contact GM Financial at ###-###-#### Sincerely, GM Financial

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

November 22, 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 offer the following information Our records indicate that as of November 21, the lease account reflects paid off and closed Please be advised that a request was submitted on November 22, to update all three credit bureau reporting agencies and remove any derogatory marks that pertain to this GM Financial accountPlease allow 30-days for this information to update and reflect accordinglyPlease also understand that any additional disputes submitted through the credit bureaus prior to these changes updating, may cause the credit agencies to void the update submitted by GM Financial Should you have any further questions regarding this matter, please contact Customer Service at [redacted] Hours of Operation: Monday through Thursday, 7:a.mto 8:p.mCT Friday, 7:a.mto 7:p.mCT Saturday, 7:a.mto 4:p.mCT Sincerely, GM Financial

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

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information On March 28, you entered into a Retail Installment Sale Contract (“Contract”) with [redacted] Chevrolet for the Chevrolet MalibuGM Financial employees were not present at [redacted] Chevrolet (“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 Financial Please note that GM Financial places a high priority on adhering to all state and federal lawsAs required by LaRevStatAnn§ 6:966, a notice was mailed to your last known address on January 5, 2016, this notice also explained that Louisiana law permits repossession of motor vehicles upon default without further notice or judicial processOn May 3, 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 We empathize with the problems you may have experienced with the vehicle; however, the responsibility for this contractual obligation remainsAll mechanical issues would have needed to be resolved between yourself, [redacted] Chevrolet, and/or the manufacturer of the vehicle, if necessary Please understand that storage charges accrue daily and are owed separately to the repossession agentThe State of Louisiana is a redemption only state; however, in an effort to assist you GM Financial allowed reinstatement of the vehicle for the payment of the past due and late fee balances, and recovery costs Our records reflect that you completed the reinstatement of this vehicle on May 10, If you would like to obtain an additional copy of the notice mailed to your last known address on January 5, 2016, a subpoena is required Copies of your Contract and payment history 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 at ###-###-#### Sincerely, GM Financial

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and await responses/communications from GM Financial

February 26, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] Dear [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 on September 13, you called in and requested a payoffA ten day payoff was quoted to you in the amount of $11,542.92, good through September 23, We received a check in the amount of $11,on November 9, 2017, however the payoff was short due to the daily interest accruing, and payoff being received after the ten day payoff date As of the date of this letter your GM Financial account reflects a zero balanceOur records reflect that the title was released on February 22, to address on file Should you have any further questions or require additional assistance please contact GM Financial at (800) 284- Sincerely, GM Financial

January 22, Re: Complaint ID: [redacted] [redacted] Dear Mr***, 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

April 11, 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 provide the following information Our records reflect that a refund has been requested and completed A check in the amount of $was issued to the address of record on April 11, via regular mailPlease allow 7-days to be received from the date the refund was issued Should you have any further questions or require additional assistance please contact GM Financial at ###-###-#### Sincerely, GM Financial

August 29, [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 full GM Financial account number or social security numberUpon receipt of this information I will research this matter Sincerely, GM Financial

October 26, Re: Complaint ID: [redacted] ? ? ? ? ? ? Lorraine [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 in an effort to resolve this matter GM Financial has waived the remaining balance in the amount of $as a courtesy Should you have any further questions or require additional assistance regarding this matter, please contact GM Financials Lease Servicing Department at ###-###-#### Sincerely, GM Financial

Complaint: [redacted] I am rejecting this response because: your response admits violating the terms of the contractIt says you may change the scheduled payments, not you may change the scheduleSo the charge for immediate payment of the taxes was improperTherefore the repossession was unlawfulThis means GM Financial broke the terms of the contract when you repossessed the vehicleMy desired solution remainsI want this properly reported to the credit reporting agencies as all payments on time and that GM Financial unlawfully and unilaterally terminated the lease without causeAdditionally, I want reimbursement for the travel I've had to pay for without the vehicleIn exchange, I'll consider this matter resolved to our mutual satisfaction and agree to not seek further damages Regards, [redacted]

October 10, 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 A review of our records reflects on August 17, 2016, GM Financial quoted a payoff amount of $ 57,good for days to [redacted] The payoff for your account was received on August 23, Please be advised the payoff quoted to you on August 17, was a customer payoff good through August 18, 2016, and differs from the day payoff provided to the dealership GM Financial is unable to honor your request for a refund as the amount received from [redacted] was the full payoff balance required to purchase the vehicle Should you have any further questions or require additional assistance with regard to this matter, please contact GM Financials Lease Customer Service at ###-###-#### Sincerely, GM Financial

June 14, 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 A review of your account indicates a zero balanceThe final payment in the amount of $posted to your account on June 7, 2018, with an effective date of June 5, To ensure the accuracy of the credit reporting, GM Financial will submit an update to the credit reporting agencies to reflect the current status of your accountPlease allow the agencies 30-days to reflect the updatePlease understand that any disputes submitted through the credit bureaus prior to these changes may cause the credit agencies to void the update submitted by GM Financial Should you have any further questions or require additional assistance with regard to this matter, please contact GM Financial at ###-###-#### 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

June 26, Re: Complaint ID: [redacted] ? ? ? ? ? ? [redacted] N [redacted] Dear Ms***, Thank you for the additional correspondence sent to the Revdex.comWe have reviewed your concerns and would like to offer the following information Please be advised that GM Financial has not changed our position regarding the account and the information provided As stated on your Retail Installment Sale contract (See Page 2, section (b) under Finance Charge and Payments), how we will apply payments 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 other amounts you owe under this contract in any order we choose Within the contract, you agreed to pay us all you owe under the contract even if the vehicle is damaged, destroyed or missing Our records reflect, you were advised during previous telephone conversations and via the notice mailed to you on December 30, 2016, that you were still responsible for maintaining the monthly installment payments and were still subject to monthly credit bureau reporting until the account is paid in full As previously advised, our research concludes that the account status and payment history 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 We have submitted an update to the credit reporting agencies regarding the current status of your account Should you have any further questions or require additional assistance, please feel free to contact GM Financial at ###-###-#### Sincerely, GM Financial

Complaint: [redacted] I am rejecting this response because: after the vehicle was sold I entered into an agreement and started making payments of $a monthYou did not include this into this break downWill that show on the documentation that is being sent to me? Regards, [redacted]

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