GM Financial

February 5, RE: Complaint ID: [redacted] [redacted] Dear [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:? On Dec 14, GM Financial chose to do a repossession of my car on the actual due date of the car noteAfter speaking with GM Financial and it many rude and unprofessional customer service agents nd filing a previous Revdex.com complaint which was never resolved about that issueI was told via the reply for Complaint [redacted] 12/22/from GM Financial that a "notice of our plan to sell property and notice of right to redeem or reinstate" was mailed out to my address Justice, Il Dec18, So I called in on 12/spoke with [redacted] @ 11:11am when he called me and advised I had not yet received the notice and was requesting that GM Financial resend me a new one because it should not have taken that long to receive it in the first place so that I can get the information of where to get my belongings that were in the car when it was taken and how to get the car backIt was at that point [redacted] stated he GM Financial could not send me out at new notice and that I had to either check with the usps delivery guy or wait until it comesI advised him by law that notice had to be received by me from GM Financial within days after the repossession and we were already at days and that the company was going offline and unreachable from 12/through 1/so that notice needed to be resent BEFORE thatAnd as of 1/8/the company is NOT back online via online or customer service phone line [redacted] It is days pass their supposed upgrade relaunch date and I have NOT received any "notice of our plan to sell property and notice of right to redeem or reinstate" was mailed out to my address Justice, Il Dec18, nor the second requested one I asked for on 12/and it is now days past what the law in Illinois allows making this a Insufficient notice of redemptionCar repossession laws in Illinois require your lender to provide you with a redemption notice within days after your car is repossessed and GM Financial the lender failed to provide the notices and provided legally insufficient notice making repossession invalidIf they KNEW that the WHOLE COMPANY was going to be offline AFTER 1/5/they should have made sufficient arrangements to have someone available to address this issueI could careless about their system upgrades when they poorly managed, equipped and inadequately trained to handle their customersThey were suppose to be back up and running today 1/8/and I still can not get through any of the phone systems and they have completely shut down any online access to my account and now I am pass the legal notification dates that my state of Illinois allows for this company to contact me via a redemption notice and even though they were made fully aware of the fact that I had not received the notice and that they would not even have anyone capable of helping me resolved the reinstatement of my vehicle between the dates of 12/27/and 1/8/they made absolutely no attempts to assist meAnd GM Financial provided an Insufficient notice of redemption.This is an Insufficient notice of redemption ?" Car repossession laws in Illinois require your lender to provide you with a redemption notice within days after your car is repossessedGM Financial failed to provide the notices or provide legally insufficient notice, the repossession is invalid and someone needs to call me asap ? Regards, [redacted] ***

Complaint: [redacted] I am rejecting this response because: GM Financial is asking for my account number, which is [redacted] Regards, [redacted] ***

February 21, 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 informationIt has been brought to our attention that in January 2017, some consumer’s trade lines did not update the current balance field appropriately which may have caused your trade line to show as paid or closedWe are working with the credit bureaus to correct this issuePlease allow some time for your trade line to be updated with the correct account informationOur records reflect that a credit rating letter was sent to your address of record on February 10, reflecting the current balance of your account as $15,Should you have any further questions or require additional assistance regarding this matter, please contact GM Financial directly at [redacted] Sincerely, GM Financial

Complaint: [redacted] I am rejecting this response because: I no longer owned the car and they knew I had traded it inSo they must remove the incorrect information from our credit reportsIt is not my fault the payment was late 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 has not changed its position regarding this matterPlease understand that under the Fair Credit Reporting Act (“FCRA”), GM Financial is required to report truthful and accurate information to the credit bureau reporting agenciesOur research concludes that the account status and the account payment history of your account have been reported to the credit agencies with truthful and accurate information; and as a result, we are unable to comply with your request to remove any valid delinquencies reported to the credit bureau reporting agencies.Should you have any further questions or require additional assistance, please feel free to contact Customer Service at ###-###-####.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.? On February 12, 2015, you entered into a Motor Vehicle Retail Installment Sales Contract (“Contract”) with The [redacted] , Inc (“Dealer”) for the purchase of the Chevrolet MalibuEmployees of GM Financial were not present at the dealership 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.? You promised to pay the amount financed of $28,and a finance charge of $11,which resulted in a total of payments of $40,698.00, if all payments are made on the contracted date they are dueIt is important to understand that this Contract is a “simple interest” contract, meaning that interest is accrued daily on the unpaid portion of the amount financed, as indicated on the face of your contract, as well as on page two under “Finance Charge and Payments”By signing the contract, you agreed to abide by these terms, including paying the principal amount plus finance charges accruing on the unpaid balance at the rate of 11.90% in installments of $due monthly beginning on March 29, 2015.? Currently, your account is days past due for the May 29, installment due date.? A review of the most recent billing statement for your account dated June 9, 2016, reflects the past due amount in the amount of $owed for the May 29, installment due date and the current amount due in the amount of $for the June 29, installment due date; totaling $1,130.50.? GM Financial understands that customers may face financial hardships throughout the life of their loanPlease understand that deferments are not a contractual obligation and are not always availableAt this time, you have not yet established enough payment history since your last deferred payments in order to be eligible for this type of payment assistancePlease also understand that if your account becomes eligible for a deferred payment in the future, all deferments are subject to management approval.? We 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 excellenceYour concerns regarding your customer service experience have been relayed to upper management.? Should you have any further questions or require additional assistance, please contact GM Financial at [redacted] ? Sincerely, GM Financial

July 12, Re: Complaint ID: [redacted] [redacted] S [redacted] Dear [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 Upon review of your account, our records indicate the payment made on June 18, in the amount of $was applied towards your May 18, installment due date Please note, this payment was received on the 30th day On July 2, 2018, GM Financial submitted an update to the credit bureaus to reflect the current account status and remove the derogatory mark that reported for your May installment due date The bureaus generally reflect the updated information within 30-days, if an update was required Please understand that any additional disputes submitted through the credit bureaus prior to these updates may cause the credit agencies to void the update submitted by GM Financial We would like to apologize for the poor level of service you feel that you have received Please be assured that GM Financial gives customer service a high priority and is totally committed to achieving excellenceIf you have any additional questions regarding this matter please feel free to contact GM Financial at ###-###-#### Sincerely, GM Financial

November 28, Re: Complaint ID: [redacted] [redacted] Dear Mr [redacted] , Thank you for the correspondence sent to the Revdex.comWe would like an opportunity to address your concerns, however additional information is requiredAt your earliest convenience, please forward us your full GM Financial account number or social security numberUpon receipt of this information we will research this matter Sincerely, GM Financial

Complaint: [redacted] I am rejecting this response because: Upon checking my credit history, I see that March payment was reported lateMarch payment was made on the 13th of MarchCan this be corrected? I also never received the extra key that was made during the repossessionIs there anything that can be done about this? Regards, [redacted]

July 28, 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 As previously informed, a refund has been requested and is being processedA check in the amount of $will be sent via regular mail to the address of recordPlease allow to business days from the time the check is issued for it to be receivedOur records reflect that we have an updated address of [redacted] ***, should the address need to be updated please contact GM Financial at the contact number below 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: I have also sent them letters with information Regards, [redacted]

Complaint: [redacted] I am rejecting this response because:? ? I understand I am to pay my monthly payment - I have never missed a payment or had NSF fees but when I attempted to change my financial information on your website it charged my old financial institution and my current.? I want the $in fees back.? The point of autopay is to set it and forget it - so for months I have been paying and now my bill is down to and on statements there was errors on my excise tax.? I will pay the $which has been resolved.? But I want the fees I incurred rebated.? Regards, [redacted]

June 18, Re: Complaint ID: [redacted] [redacted] Dear [redacted] ***, Thank you for the additional correspondence sent to the Revdex.com. We have reviewed your concerns and would like to provide the following information GM Financial suppressed credit bureau reporting during a recent system enhancement. We have submitted an update to the credit reporting agencies regarding the current status of your account. Please allow the credit bureau reporting agencies 30-days to accept and process the update. We apologize for any inconvenience this has caused and appreciate your patience In review of your account, as of today no derogatory marks for December and current calendar year have been reported to the credit bureau reporting agencies with regards to your account We have mailed a copy of a credit rating letter and account payment history for your review. Should you have any additional questions regarding this matter, please feel free to contact GM Financial at ###-###-#### Sincerely, GM Financial

Complaint: [redacted] I am rejecting this response because:As you can see from a letter I just received, GM FINANCIAL is reporting a credit tradeline over days later for a lease that terminated on September 29, Additionally, as stated in my original complaint to the Revdex.com, State Attorney's Office, the CFPB and the FTC, GM Financial for some odd reason not only waited FULL MONTHS to bill me for the lease that was completed successfully and terminated on 9/29/but also NEVER NOTIFIED ME in any capacity whatsoeverGM Financial NEVER sent me a bill by US MAIL or EMAIL on record nor did they EVER CONTACT ME on my PHONE NUMBER OF RECORD, TEXT MESSAGE to the PHONE NUMBER OF RECORD, NEVER SENT ME EXPRESS MAIL, NEVER LEFT A VOICEMAIL and CERTAINLY NEVER SENT A PERSON LIVE EITHER TO MY HOME OR TO MY OFFICES OF RECORD AT ANY POINT WHATSOEVER.I VERY RECORDED DETAILED MESSAGE WAS LEFT WITH EUNICE PONCE stating the fact and stating that GM FINANCIAL has until 5pm this Friday August 4th to comply or I will be forced to file both a State and Federal Lawsuit for violating the Fair Credit Reporting Act and causing willful financial harmTo summarize, GM FINANCIAL leased a vehicle and was turned in on September 29, and for some apparent reason, they chose not only to NEVER send out a final bill to be reviewed and paid, but they waited months to start the due date and without any notification whatsoeverLastly, after receiving alerts on my credit report of a delinquent account, I caled GM Financial and they ask for all my information and said absolutely everything was 100% current on my current account and never again MENTIONED anything owed on this past account that was satisfactory and turned in (terminated) on 9/29/ Regards, [redacted]

June 23, Re: Complaint ID: [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 As noted in the previous response, GM Financial has submitted an update and forwarded the proper documentation to all three major credit bureaus for the removal of the negative reporting Please be advised GM Financial is unable to reimburse funds that were part of your contractual liability, or funds that you elected to spend on the vehicle We apologize for any inconvenience this situation may have causedShould you have any further questions or require additional assistance regarding this matter, please feel free to contact Lease Customer Service department directly at [redacted] Sincerely, GM Financial

Complaint: [redacted] I am rejecting this response because: it was never days past due based on the insurance payment being sent to youRegards, [redacted]

Complaint: [redacted] I am rejecting this response because:? Info you requested, ref number connected is [redacted] ,and as I stated my father the above SS# belonging too,leased the car jan.2016& became ill& passed away April 9,2016,@ that point I should have instructed my mother to terminate lease(accepted? lease termination;death) however for sentimental reasons & other reasons she felt that she should hold on to it,in respect to my father & her husband of yrs.& for the thought that, MAYBE she would start driving,but she did not & does not drive & will not drive in the future? due to health reasons,however she made every payment & the Cruze was 20,000+ miles BELOW lease terms and was under 4,miles on odometerI hope this resolves this unjust matter & is cleared & this unjust action is cleared from my mothers namePS at Time of lease my father even asked if my mother could be on the lease as a co-leasee! This was at [redacted] ***Regards, [redacted] ***

December 12, 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 Our records reflect that GM Financial received the payoff on this account on December 8, A cease and desist was placed on the account per your request, GM Financial was not able to inform you of the status of the accountYou called GM Financial on December 7, and were informed that the payoff on the account had not been received 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 If you have any further questions or are in need of additional assistance regarding this matter, please contact GM Financial at [redacted] Sincerely, GM Financial

April 27, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] Dear Mrs***, 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, our records indicate that GM Financial received a payoff check in the amount of $15,on April 14, and posted to the account with the original effective dateGM Financial received a returned payment from your financial institution as “uncollected funds” on April 20, Please note, GM Financial received an additional payoff check in the amount of $15,posted to the account on April 25, with an original effective date of April 16, As of the date of this letter your GM Financial account reflects paid in full with a zero balancePlease be advised that a request has been submitted for the title to be releasedUpon completion of this process, GM Financial will contact you and provide a FedEx Tracking numberTracking numbers are available to hours after release Unfortunately, GM Financial is unable to honor your request to provide monetary compensation for interest that accrued on your home equity line of credit or reimburse you for any overnight feesShould you have any further questions or require additional assistance with regard to this matter, please contact Customer Service at ###-###-#### Sincerely, GM Financial