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 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, your account is not currently eligible for this type of payment assistanceIf in the future, the deferment option is available and your account is eligible for this type of payment assistance, please be aware that all deferment requests are subject to management approval Should you have any further questions or require additional assistance, please feel free to contact GM Financial at [redacted] Sincerely, GM Financial

RevDex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] ***

I do hope you find a way to close the loop that allows customer requests for documentation to remain unfulfilled again, and again, and again.

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meIt is unfortunate that it had to result to this in the first place.? Regards, [redacted] ***

Complaint: [redacted] I am rejecting this response because: Here is my account number... [redacted] . Regards, [redacted]

October 6, 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 Please be advised your address was updated on June 17, per an address corrections report from the United States Postal Service to [redacted] The amended “Notice of Our Plan to Sell Property” was mailed to your last known address of record via certified mail number [redacted] *** [redacted] on November 21, Please note should you require an additional copies of these notices a subpoena is required Should you have any further questions or require additional assistance regarding this matter, please feel free to contact GM Financial directly at [redacted] Sincerely, GM Financial

June 11, Re: Complaint ID: [redacted] [redacted] M [redacted] Dear Ms***, Thank you for the correspondence sent to the Revdex.comI would like an opportunity to address your concerns, however additional information is requiredFor verification purposes, please reply with the account number and/or the last four digits of your social security number, along with the year, make, and model of the vehicleUpon receipt of this information I will research this matter Sincerely, GM Financial

July 28, RE: Complaint ID: [redacted] Bond Dear MrBond: Thank you for forwarding the correspondence sent to the Revdex.com and would like to offer you the following response Please be advised that GM Financial places a high priority on adhering to all state and federal lawsThe state of Maryland does require a Pre-Repossession notice to be sent prior to submitting the account for repossessionThis notice was mailed to the address of record on May 10, The cure notice detailed the amount needed to cure and provided a cure date or date of last payment On July 4, 2017, GM Financial made the decision to place the account out for repossession due to the account being over days past due and subsequently the vehicle was repossessed on July 11, A Notice of our Plan to Sell Property and Notice of Right to Redeem was mailed to you on July 12, This letter detailed the information and amount needed to reinstate the accountThe letter also specifically states that any additional amounts coming due or expenses incurred that are not reflected on the notice, will be added to the total you must pay After a thorough review of the account it has been determined that the handling of the account including repossession was in compliance with all state and federal lawsOur records also reflect as of July 24, 2017, the reinstatement amount was paid and the vehicle is back in your possession Should you have further questions or concerns, please contact our office at [redacted] Sincerely, GM Financial

July 27, Re: Complaint ID: [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 GM Financial has contacted the credit bureau reporting agencies and confirmed no reporting prior to the open date of this account on May 13, GM Financial is required to report truthful and accurate information to the credit bureau reporting agenciesOur research concludes that the account status and 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 Copies of your Contract and payment history have been included for your reviewShould you have any further questions or require additional assistance with regard to this matter, please contact GM Financial directly 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 October 9, you entered into a Motor Vehicle Retail Installment Sales Contract for the purchase of a Chevrolet Silverado in the amount of $34,at an annual percentage rate of 12.00% due for a month term in the amount of $773.94, beginning November 23, The contract is a simple interest contract which means interest accrues daily on the unpaid principal balance.Please note that GM Financial places a high priority on adhering to all state and federal lawsAs per Texas law a cure notice was mailed on January 5, 2016, and a notice of acceleration was mailed on January 25, to your last known address prior to repossessionOn February 24, 2016, the decision was made to place the vehicle out for repossession, as allowed by your ContractAt this time the account was days past due for the 2nd installment payment due on December 23, The 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.The State of Texas is a redemption only state; therefore, the balance will need to be paid in full in in order for you to redeem the vehiclePlease understand that these funds need to be remitted to GM Financial in the form of certified funds like an official bank check or cashier’s check.Included for your review are copies of your Contract and Account Payment HistoryPlease note that returned payments will not be reflected on this payment historyFor additional copies of the statutory notices, a subpoena is required.Should you have any further questions or require additional assistance, please contact GM Financial at ###-###-####.Sincerely,GM Financial

September 21, 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 provide the following information Please be advised payments are applied to the principal if the account is paid ahead and posted to any past due amounts first if the account is behindOur records reflect that all payments have been applied in accordance with the terms and conditions of the contract It 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 contractExplanation of interest accrual, application of payments, and how late or early payments change what you must pay is explained on page two of your contract under the section titled “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 4.90% in installments of $292.89, and any other charges within this contract Included for your review is a copy of the Contract and the Account Payment HistoryShould you have any further questions or require additional assistance, please contact GM Financial’s Customer Service department at ( [redacted] Sincerely, GM Financial

I have not changed my position regarding this matter GM Financial has NOT provided me with sufficient information or proof of how this amount was calculatedI stated previously, a blank worksheet does not provide an explanation of how the interest was figured for my loanI will now pursue legal action through the courts

July 11, Re: Complaint ID: [redacted] Dear Mr [redacted] , Thank you for forwarding the additional correspondence Please be advised that GM Financial has not changed our position regarding the account As you are not a party to this contract, please understand that GM Financial is unable to provide additional information to a third party without an authorization and consent form signed by our customerYou may have the customer contact Lease Customer Service at ###-###-#### Thank you for your time and insight regarding your experience with GM Financial Sincerely, GM Financial

December 13, Re: Complaint ID: [redacted] [redacted] Dear Ms***, Thank you for forwarding the additional correspondence Please be advised that GM Financial has not changed our position regarding the account Thank you for your time and insight regarding your experience with GM Financial Sincerely, GM Financial

February 9, Re: Complaint ID: [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

July 12, 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 On December 14, 2016, you set up an online Western Union recurring payment schedule to draft $on the 25th of every month beginning on December 25, and ending on December 25, The confirmation number provided to you for this online transaction was As these types of transactions are initiated and authorized by the customer only, any changes to the payment schedule would need to be made by you onlinePlease be aware, a subsequent payment was not received until March 20, Due to a system enhancement at the beginning of 2018, GM Financial suppressed credit bureau reporting temporarily and opted not to report any derogatory marks for January and February On July 10, 2018, GM Financial submitted an update to the credit reporting agencies to ensure no derogatory marks are reflected for these two monthsPlease be aware, it may take up to days for the credit bureau reporting agencies to accept and process the updateAny disputes submitted through the credit bureaus prior to these changes may cause the credit agencies to void the update submitted by GM Financial If you have any further questions or are in need of additional assistance regarding this matter, please contact GM Financial at ###-###-#### Sincerely, GM Financial

July 3, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] Dear M [redacted] , Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information On April 1, 2016, you entered into a Retail Lease Agreement (“Contract”) for a Chevrolet MalibuWithin the agreement, you agreed to a month lease term with a monthly payment in the amount of $per month, due on the 30th day of each monthPlease be advised the vehicle was solely leased to you and not a third party Please note that GM Financial places a high priority on adhering to all state and federal law [redacted] The state of California requires a cure period or notice of repossession be mailed prior to repossession, a cure notice was sent to the address on file on April 15, On May 15, 2017, the decision was made to place the vehicle out for repossession, as allowed by your contractGM Financial is both by law and by contract required to report truthful and accurate information to the credit reporting agencie [redacted] We are unable to fulfill your request to refund the repossession charge [redacted] As of the date of this letter, your account is currently due for the July 1, base rent payment Please be advised that we only disclose the telephone number where the customer can return the call, and the hours of operation on a public answering machineOur customer’s full name must be stated on the device recording to indicate a private answering device Included for your review is a copy of your lease agreementIf you have any questions or require additional assistance please contact GM Financial at [redacted] Sincerely, 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 A refund in the amount of $1,was issued by GM Financial by regular mail to your address of [redacted] on February 3, Please allow to business days from the time the check was issued for it to be received Should you have any further questions or require additional assistance with regard to this matter, please contact me directly at the telephone number provided below

July 2, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] E [redacted] Dear Mr [redacted] , Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information As previously explained, an additional release of lien was mailed to you on June 29, As stated in the letter, AmeriCredit Financial Services, Incd/b/a GM Financial is lienholder or successor lienholder by merger to liens held by the following entities: • AmeriCredit Financial Services, Inc • Bay View Acceptance Corporation • GM Financial • Long Beach Acceptance Corp You will need to provide this document to the Wisconsin Department of TransportationShould you have any further questions or require additional assistance please contact GM Financial at ###-###-#### Sincerely, GM Financial

January 3, 2017 Re: Complaint ID: [redacted] [redacted] Dear Mr. ***, Thank you for the correspondence sent to the RevDex.com. I have reviewed your concerns and would like to offer the following information. In regards to the two payments... in question, both were set up via your online MyAccount profile using Western Union SpeedPay. On December 15, 2016 you set up a one-time payment in the amount of $374.32, the confirmation number provided to you for this online transaction was [redacted] . On December 16, 2016, a recurring payment in the amount of $374.32 was set up, the confirmation number provided to you for this online transaction was [redacted] . As these types of transactions are initiated and authorized by the customer only, any changes to the payment would need to be made by the customer prior to processing. GM Financial is unable to honor your request to reimburse the $50.00 overdraft fee 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 Customer Service Lease Department at [redacted] . Sincerely, GM Financial