GM Financial

December 26, RE: Complaint ID: [redacted] [redacted] Dear Mr***, Thank you for the additional correspondence sent to the Revdex.comI would like an opportunity to address your concerns, however additional information is required At 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

December 20, 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 June 16, you signed a Retail Installment Sale Contract for a Jeep Compass in the amount of $10,at an interest rate of 20.95%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning July 16, Please be advised that to be able to reinstate the vehicle, all past due payments, late charges, impound and repossession fees must be paid in fullAlso note that the vehicle could be transported to the auction at any time and without notice any time a vehicle is repossessed Our records reflect that you completed the reinstatement of this vehicle on December 16, Should you have any further questions or require additional assistance, please contact GM Financial’s Customer Service department at [redacted] Sincerely, GM Financial

October 25, Re: Complaint ID: [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 Please be advised as the refund was sent by regular mail, a tracking number is not available GM Financial takes all complaints seriously and we appreciate you bringing this matter to our attention, and apologize for any inconvenience this may have caused Should you have any further questions or require additional assistance, please feel free to contact Customer Service directly at [redacted] Sincerely, GM Financial

As a courtesy, GM Financial waived the Wear and Tear of $for the Lease of another GM vehicle, your Lease Account has been updated as of May 5, Should you have any additional questions regarding this matter please feel free to contact the Lease Loss Recovery Department at ###-###-#### Sincerely, GM Financial

March 20, Re: Complaint ID: [redacted] [redacted] Dear Ms [redacted] y, Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information Upon review of the account, GM Financial submitted an update and forwarded the proper documentation to all three major credit bureaus on March 20, 2018, to reflect the account with no credit marksPlease allow the credit bureau reporting agencies 30-days to reflect these updatesPlease 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 or require additional assistance please contact GM Financial at ###-###-#### Sincerely, GM Financial

Complaint: [redacted] I am rejecting this response because:The response does not address the issues raised in the complaintIt is a form letter response, created due to hundreds of complaints the same or similar to mine Regards, [redacted]

Complaint: [redacted] I am rejecting this response because: This response does not address any of my concerns in my complaint. I am well aware of the contract I signed when we purchased our car in 2009. My complaint was that the contract was not clear at the time of purchaseWe feel like we have been taken advantage of because of our credit history. I appreciate the explanation regarding the simple interest loan provided eight years later. Also, in regards to the eight deferments payments, in my complaint I explained that we had financial difficulties and that we were offered payment extensions. My complaint against this company is that they did not explain the details of these extensions AND if this was to help us, why did they allow us to do it eight times? This company is not helping customers I am filing this complaint so that this Bureau investigates the actions of this company and how it does business when it comes to individuals with a low credit history? I have my statements that show payments were made by the due date asked. My complaint specifically states that the statements provided by this company are misleading and confusing. I also stated that I have requested the total principal paid and the total interest plaid to this company and have not been provided this information. The only response provided by this company is providing me with information I already know and are not providing the information I have asked for. I have also mentioned that I had to sign an Installment Agreement with no date? The first statements received after this had no amount or due date on them, however, I was making payments the entire time. This company has not provided an answer to any of my questions and have only used this opportunity to publish my negative history which I am well aware of. It has been a tough eight years, I am not denying that, but still I think we should be treated fairly and without discrimination. Lastly, since the last correspondence, I have not received anything by mail. I have my statements from the past year and will gladly provide them to this Bureau. I do not wish for GM Financial to send me detail payment history. They have already sent me what they call a detailed summary and I could not understand any of it. I even looked into legal advice and they could not understand the paperwork provided to me. I have contacted this Bureau to investigate this company and how it has taken advantage of us and how it does not explain loan extensions and details clearly to their customers, they do not provide information requested by the customers in regards to principal and interest payments, statements are not clear and are misleading and this company has customers sign agreements with no dates. This is my request. I do not need this company to give me a break down of the loan I have had with them for the past eight yearsI would like them to just explain the specific items I have asked. Regards, [redacted]

Thank you for the 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 removed that reported in January Please 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

The account number requested is [redacted] , this is not resolved until the information has been reviewed further.?

Complaint: [redacted] I am rejecting this response because the point still remains that I requested arbitration and was waiting on a date$was still unethical and the repossession was still a power move on GM Financial part? Forcing me to pay without the right to arbitrationAnd for them to still be able to cause unfair credit reporting should be against the lawAt the end of the contract they received more than fair value and I received the titleI am requesting that they be removed.? Regards, [redacted]

Complaint: [redacted] I am rejecting this response because: My account number is [redacted] and I have all the necessary documents needed to support my complaint Regards, [redacted]

Complaint: [redacted] I am rejecting this response because: I no longer wish to call into GM Financial due to the extreme time commitment it takes to actually get a human being on the lineNo further follow up is needed because nothing will be resolved.? Regards, [redacted]

December 11, RE: Complaint ID: [redacted] [redacted] Dear Ms***, Thank you for the additional correspondence sent to the Revdex.comI would like an opportunity to address your concerns, however additional information is required At 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

July 12, Re: [redacted] Complaint ID: [redacted] Dear Mr [redacted] , 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, GM Financial submitted an update to the credit reporting agencies to ensure accuracy of the current status of your accountThe credit bureau reporting agencies can take 30-days to accept and process the updatePlease be aware 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 additional questions or concerns with regards to this matter, please feel free to contact GM Financial directly ###-###-#### 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.You will need to? contact Western Union for proof of? MTCN# [redacted] Should you have any further questions regarding this matter please contact Western Union directly.Sincerely,GM FinancialSincerely,GM Financial

August 6, Re: Complaint ID: [redacted] [redacted] Dear Mr [redacted] , Thank you for the additional correspondence sent to the Revdex.com Please be advised that GM Financial will make the proper adjustments to your account as the payments are madeAs previously advised, payments are applied to the principal if the account is paid ahead We apologize for any inconvenience you have experienced as a result of this situationPlease be assured that we value your business and hope that you choose to continue to be a loyal GM customer Included for your review is a copy of the 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

March 10, Re: Complaint ID: [redacted] [redacted] Dear Mr [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

Thank you for your responseWhile I am not disputing having a signed contract with your business regarding repayment of an auto loan for a Nissan Maxima, my contention is that such contract was terminated in December when I contacted your business and requested that the Nissan Maxima be repossessed and to this date, the Nissan Maxima is yet to be assigned for repossession During this entire ordeal, I have kept in constant contact with GM Financial and kept them abreast of what had been transpiringI contacted them in December shortly after [redacted] had been incarcerated and informed GM Financial that the police and my insurance company have not been any assistance in locating and securing my car even when neither of the registered owners were in possession of the vehicle When I initially contacted GM Financial in December requesting that the vehicle be repossessed, I was informed by GM Financial staff that although I am requested repossession, GM Financial was unable to do so with the account being current and was instructed to miss a payment first in order for repossession procedures to beginI did as instructed, and missed the December payment and called GM Financial after missing said payment and asked when the Nissan Maxima would be scheduled for repossession and was informed that, repossession procedures are not instituted with just one missed paymentI then missed January payment and contacted GM Financial and again asked when the Nissan Maxima would be slated for repossession and the customer service representative was again unable to provide the criteria or date when repossession procedures would begin My intent in missing the car payments is so that GM Financial can assist in locating and retrieving my Nissan Maxima, as they are my last resort in locating and returning my carI have made it clear in my multiple phone calls and certified letter to GM Financial that I am more than willing to pay all past due payments, repossession fees and relocation fees, etc once my car is located and returned to my possession and yet GM Financial has failed to begin repossession procedures disregarding my request and offer As lien holder, GM Financial has a responsibility to know the location of their investment and have an invested interest in its condition, by continuing to allow the vehicle’s location to be unknown and not in the possession of its owners jeopardizes the likelihood of locating it and it being in its original conditionThis has been the case for the past two months and as each day goes by, GM Financial runs the risk of the vehicle being further damaged and un-locatable which boarders negligenceIt is further punitive that GM Financial continues to report the late payments to the credit bureaus which adversely affects my credit score and ability to purchase a home and additional vehicle yet does not take action to repossess the carThe credit reporting by GM Financial is not the full story, while the payments have been delayed, it is only so GM Financial can begin locating the vehicle and once that is done, payments will resume and fees associated in doing so will be paid As mentioned before, the original September 10, contract for the Nissan Maxima was terminated by myself in December when I requested (prior to any missed payments) that GM Financial located and repossessed the Nissan MaximaAgain, in January I requested by phone and certified letter that the vehicle be located and repossessed, each request was met by GM Financial with no response or inaction to locate the vehicleGM Financial is just as responsible for the late payments as I am as they have failed to act to locate and repossess the car yet report the late payments to the credit bureaus without the explanation of my offer to pay such late payments once vehicle is locatedWhile when signing the contract on 9/10/15, both owners were employed full time and married, since then, the parties have separated and will be divorced in March and Mr [redacted] is incarcerated in LA County, CA jail, unemployed with no way to pay for the vehicleI am not responsible for what another owner chooses to do with the vehicle and if I continued to pay on a car where I am unaware of its location, it would only perpetuate the fact that I would not have any idea of where my vehicle is or any hope of it returning to my possessionI am only requesting assistance from GM Financial to locate and return the vehicle to me as I am the only owner that is in a position to repay the auto loan and upkeep the vehicle Regards, [redacted]

October 20, 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 September 16, 2013, you signed a Retail Installment Sale Contract for a Ford Escape in the amount of $18,at an interest rate of 12.99%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning October 31, On September 29, 2016, the decision was made to place the vehicle out for repossession, as allowed by the contractAt this time the account was days past dueGM Financial received a payment in the amount of $on October 11, 2016, this information was also confirmed by your bank Our records reflect that we last spoke with you on September 28, Please be advised numerous efforts were made to contact you with regard to the statusThe last payment on record prior to the repossession was made on August 19, in the amount of $374.74; at which payment was applied towards your June installment due date and partial payment for the July installment paymentA repossession fee is charged every time a vehicle is picked up, along with any other associated feesPlease note that if the vehicle is not reinstated or redeemed, the vehicle will be sold at a private sale 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 ###-###-#### Sincerely, GM Financial

Complaint: [redacted] I am rejecting this response because:The business is refusing to make right the cost of acquiring lien release letters I should not have had to pay for had they done their job in the first place Regards, [redacted]