GM Financial

November 24, 2015I contact GM Financial and spoke to [redacted] ***, on 11/24/at that time I was informed that the settlement could be no lower than $he was to send me the agreement/documents/letter in the mail (I gave him my exact address including making sure he understood my apartment was D (stating D like David) and via e mail at [redacted] .He also stated that after payment it would take 30-days for this to be updated in the system and sent to the three credit reporting agents - I am asking that this be expedited.December 1, 2015I did not receive anything via United States Postal Service or e-mail I then call him again He stated the letter was sent to apartment B, I also told him I did not get an e mail; stated he was taking it to customer service so they could e mail it to me.I can be contacted via ###-###-####December 3, 2015I did not receive anything any e mails and I again contacted GM Financial this time opting to speak with someone else other than Anthony I spoke to [redacted] He look at the information and stated the other agent for whatever reason did not put in the email (or didn't follow through) He told me he would have it printed out signed by his manager and send it to me within the next minutes that was approximately 1/pm eastern it is now after pm and I have not received any emailsI am now requesting that this matter be turned over to someone who will follow through on taking the necessary steps so payment can be made and the credit reporting agencies will be informed

January 18, 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 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: My GM Financial account number is [redacted] Regards, [redacted] ***

August 1, 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 On January 20, 2017, the vehicle was involved in an accident and declared a total loss by Go Auto InsuranceOn January 31, 2017, GM Financial quoted a payoff in the amount of $16,good for days to the insurance companyOn February 14, 2017, GM Financial received a payment from Go Auto in the amount of $11, 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 fullPlease be advised you were informed of the credit marks if payments were not made verbally and a Total Loss letter was mailed to you on February 1, informing you of thatThe insurance proceeds received from Go Auto were applied to your account balance and were not enough to pay the amount you owe 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 If 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

November 29, Re: Complaint ID: [redacted] ? ? ? ? ? ? Denise [redacted] - [redacted] Dear Ms [redacted] - [redacted] , Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information On November 17, at 9:53am, you set up an ACH payment in the amount of $using the Western Union automated phone line, the confirmation number provided to you for this transaction was [redacted] At 10:33am on the same day, you set up a debit card payment in the amount of $using the Western Union automated phone line, the confirmation number provided to you for this transaction was [redacted] As these types of transactions are initiated and authorized by the customer only, any changes to the payments would need to be made by you prior to processingUnfortunately, GM Financial is unable to honor your request to reimburse the $in fees charged by your bank, as the issue was not caused by GM Financial Should you have any further questions or require additional assistance in regards to this matter, please contact GM Financial at [redacted] Sincerely, GM Financial

June 23, 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 note a refund in the amount of $was issued by GM Financial Check Number [redacted] and sent by regular mail to your address of record on June 20, Please allow to business days from the time the check was issued for it to be received Please be advised our records reflect the title for the Buick Enclave is to be released to your address of record as of today, June 23, Should you have any further questions or require additional assistance with regard to this matter, please contact GM Financial directly at [redacted] Sincerely, GM Financial

August 23, ? RE:? Complaint ID:? [redacted] ? ? ? ? ? ? ? [redacted] ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? Dear Mrs [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

Complaint: [redacted] I am rejecting this response because:Per the Wisconsin DOT online records, there still exists an electronic lien under the lienholder AmericreditThe new owner of the vehicle is still unable to title and register it.I need GM Financial to communicate with Wisconsin DOT in some manner that there is no lien from Americredit, as the state of Wisconsin states that they have no record that Americredit and GM Financial are the same entity Regards, [redacted]

January 30, 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 A payment research was completedA check in the amount of $22,has been applied to the account with an effective date of January 1, GM Financial has made some long-planned system enhancements that will help us provide an overall better customer experienceDuring the upgrade process, access to your account online and by phone was unavailableAdvance notifications regarding this inaccessibility were included on billing statements and emails to our customersIn addition, alert messages and FAQs were placed on our website providing additional information regarding the improvements being madePlease note that GM Financial is working diligently to ensure that there are no negative impacts to our customers’ accounts We apologize for any inconvenience you have experienced regarding this matter Should you have any further questions or require additional assistance with regard to this matter, please contact Customer Service at [redacted] 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 information As of June 29, 2016, our records still do not reflect that this letter has been receivedPlease refax this document to ###-###-#### or ###-###-####You may also e-mail it as an attachment to [redacted] Please understand that this letter does not guaranty the removal of the truthful and accurate derogatory information previously reported, it only allows for additional consideration of your request to be givenThe removal of the derogatory information is subject to upper management approvalIf approved, an update will be submitted to the credit bureau reporting agencies; however, any update of information on a credit report is still subject to the credit agencies processing timeframes, which is why customers are advised to allow 30-days for any changes to be reflected Please follow up on your request with GM Financial’s Customer Service Department at ###-###-#### Sincerely, GM Financial

March 6, 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 provide the following information Please be advised, your GM Financial account ending in ***? has been corrected and reflects the payment made on January 8, in the amount of $and was applied towards your monthly base rent due for January 3, Your account is currently due for April 3, We apologize for any inconvenience this situation may have causedShould you have any further questions or require additional assistance with regard to this matter, please contact Customer Service at ###-###-#### Sincerely, GM Financial

January 29, Re: Complaint ID: [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 does not reflect that your account has been reported days delinquent to the credit bureau reporting agenciesIn order to ensure that the account history is reflected accurately, GM Financial has submitted a manual update and forwarded the proper documentation to all three major credit bureausThe bureaus generally reflect the updated information within 30-days, if an update was required Please note the vehicle is currently pending sale, once complete a final bill will be sent to your address of record if a balance exists Should you have any further questions or require additional assistance with regard to this matter, please contact GM Financials Lease Customer Service at (800) 369- Sincerely, GM Financial

Thank you for the correspondence sent to the Revdex.com I 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

Complaint: [redacted] I am rejecting this response because: Due to the extreme negligence of this company and their reporting practice I am no longer qualified to purchase my homeThis is a direct result of the removal and subsequent readd of the account on my credit report I respectfully requested at least one month of payments waived so I can save enough for a security deposit on a place to live, but have been met with aggressive and rude operatorsYou'd think a company that ruined my life would be more willing to help over their profit margin Regards, [redacted]

Complaint: [redacted] I am rejecting this response because:As stated in my initial complaint, the DMV received your package, but there was no title insideYou need to acknowledge that a mistake was made and fix itThis will require either finding the original paper title and sending it to the DMV or requesting a new paper title and sending it to the DMVPlease consider a new job if this is too difficultThanks Regards, [redacted] [redacted]

May 21, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] Dear [redacted] Thank you for the correspondence sent to the Revdex.com I would like an opportunity to address your concerns; however, additional information is required At your earliest convenience, please forward me any documentation referenced in your complaint Upon receipt of this information I will research this matter Sincerely, GM Financial

I did ask for a deferment in September , that is why I contacted your office. I was never sent to a manager as well for a approval I was just told no by a representative . I also contacted you guys after . Regards, [redacted]

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information GM Financial is required to report truthful and accurate information to the credit bureau reporting agenciesOn June 8, 2016, the credit bureau reporting agencies were contacted to verify the information being reflected on your credit bureau reports with regard to the GM Financial accountOur research concludes that the account status and account payment history of your account 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 If you have any questions or require additional assistance with regard to your existing lease, please contact GM Financial at ###-###-#### Sincerely, GM Financial

Thank for your responseI would like to know why I was told by [redacted] , one of you customer service managers that I could only listen to the recorded phone call if I was to get a lawyerShe also stated to me that your outgoing phone calls are time stamped, but whether or not the calls actually go through to someone is not their problemI was also told I was mailed a repossession letter by your reinstatement departmentThen once again Ms [redacted] informed me you do not send those outI have yet to receive anything on the matterThen just to be told it is my word against hers, does not seem to be how you treat a customerI was given two dates to make the interest payments to secure the defermentMy wife also had a request put in to see if that said phone call was recordedIt has now been over three weeks with no answer.Now, I did in fact make the interest payments to secure the deferment, I have receipt in handAlso, I was told I should have received an email stating the deferment went throughYou can only imagine I have been watching very closely and have not received one for the latest deferment, but I did call to make sure it went throughWould the late fees have been moved with the deferment to the end of loan as well? As you can see we are still confused, this is because we have not received the same answer or honest one from anyoneMs [redacted] also informed me she put in the request for the repossessionI assume you use certain companies, I assure you they were repossessing the vehicle on behalf of GM financialSo, as for the marks on my driveway and wear on my tiresThat problem does not only belong to the repossession company.? Also, as we do appreciate the deferment to get our other bills caught up due to this mistake made by your companyI can only wonder why I was offered the second deferment? Is it because I am not allowed to hear the phone call of the two different dates being offered? That it was in fact voided on the first date by mistake? This matter could all be dropped if I could get honest answers from someoneI lost money because I was not able to go to work, pick my kids up from school (my children's car seats were in the vehicle), also all my payroll informationThis was needed that day and I was not allowed to get into my vehicle until the next dayI paid a lot more fees than your company knows.? I have also attached for your information the emails I received from Ms [redacted] , in which she told me directly on the phone she had sent a repossession email on August 31st, as you will see that was not the caseThe repossession email was sent the day beforeNow being a working parentsI was not able to get to that email that evening, but did call and leave her a message, that was returned to me over a week later.?

June 7, Re: [redacted] Complaint ID: [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 your account shows that your participation in the Automatic ACH Payment Plan was set up to draft your monthly installment, in the amount of $652.19, effective September 26, It was automatically canceled on October 28, 2016, due to insufficient funds (NSF)ACH payments were then set up online, by logging into the GM Financial website and using Western Union SpeedPayA payment was not received in September On February 22, 2018, you enrolled your account in the online recurring payment plan through Western Union SpeedPay, effective with your February 26, 2018, due date and is scheduled to end on September 26, You will receive a payment history in a separate mailing for your review Our research concludes that the account status and account payment history have been reported to the credit agencies with accuracy and in compliance with the Fair Credit Reporting Act (“FCRA”)Please understand that GM Financial is required to report truthful and accurate information to the credit reporting agencies Unfortunately, we are unable to fulfill your request to make a goodwill adjustment to the credit bureau reportingShould you have any further questions or require additional assistance, please feel free to contact GM Financial at ###-###-#### Sincerely, GM Financial