GM Financial

Complaint: [redacted] I am rejecting this response because it isn't correctI called AutoVIN, the third-party vehicle inspection service used by GM Financial, today and they said that the vehicle still hasn't been scheduled for inspection because GM Financial hasn't put it in their systemThere is a clearly a disconnect somewhere within GM Financial.Is there anything you can do to help us resolve this?Thank you, [redacted]

August 30, 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 offer the following information Our records reflect that the Lease Assumption has been approvedThe contract was sent to the party assuming the Lease on August 24, via overnight with a tracking number of [redacted] ***Please be advised that the Lease Assumption will be submitted for final approval once the signed documents are returned and received Should you have any further questions or require additional assistance, please feel free to contact Lease Customer Service at ###-###-#### Sincerely, GM Financial

Complaint: [redacted] I am rejecting this response because: I just received paperwork from your company that I forwarded to my financial institution Regards, [redacted]

? Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information.? On June 5, 2010, you entered into a Motor Vehicle Retail Installment Sales Contract (“Contract”) with [redacted] for the purchase of the Chevrolet CorvetteAmeriCredit Financial Services, Inc(“AmeriCredit”) employees were not present at [redacted] (“Dealer”) during the signing of the contract and AmeriCredit was not an original contracting party in any agreements between the two partiesThe contract was subsequently assigned to AmeriCreditOn October 1, 2010, AmeriCredit was purchased by General Motors, and the company name was changed to GM Financial? Within the contract, you promised to pay the amount financed of $24,and a finance charge of $12,which would result in a total of payments of $36,966.24, 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 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 15.15% in installments of $513.42, and any other charges within this contract? A review of your account activity and payment history reflects that additional interest accrued over the life of the loan due to payments being made after the scheduled due date, three due date changes, and deferments that were processed at your requestThroughout the time your account has been active, deferments were processed for the months of October and November of Because of the due date changes and deferments processed at your request, the maturity date of the account moved to September 15, ? A deferment agreement was e-mailed to you at [redacted] on October 17, 2011; and our records reflect that you acknowledged this agreement online on the same date with an Acknowledgement number of Within this agreement you were advised that interest will continue to accrue during the month(s) deferred on the unpaid balance of the contract at the rate specified in the contract and any deferment fee collected may not be sufficient to pay this accrued interest, and that this would result in a final higher payment due at the end of your contract on the new maturity dateAn additional notice regarding interest accrual was reflected on the first billing statement following the deferred installment period.? On September 15, 2015, one year prior to the maturity date of your contract, the Simple Interest Maturity Notice was mailed to all parties to the Contract at their last known addressThis notice advised you of the balance of your account as of the date of the notice and that based on your payment amount and the balance of your account, it was anticipated that your final payment due at maturity will be more than your regular monthly payment amountInterest accrual was again explained within this notice.Finance Charges have been assessed as per your contract and within the maximum amounts permitted for this sale by state or federal lawAdditional copies of your Contract, Account Payment History, the electronically acknowledged deferment agreement, the billing statement dated November 20, 2011, and the Simple Interest Maturity Notice mailed to you on September 15, 2015, have been mailed to your address of record for your reviewPlease allow 7-business days to receive.? At this time the payoff amount for your account is $2,726.53, good for ten days through June 26, This amount includes the following:PRINCIPAL AMOUNT:? ? ? ? ? ? ? ? ? ? ? ? $2,699.71INTEREST DUE:? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? $26.82INTEREST PER DAY:? ? ? ? ? ? ? ? ? ? ? ? ? ? ? $1.11? Please understand that once your maturity date expires, the remaining balance becomes due in full and the account will continue to report to the credit bureau reporting agenciesIf you are unable to pay this balance in full at one time, GM Financial provides assistance in the form of a Final Installment Payment Agreement, where the remaining balance is rescheduled for a specified timeframe at 0% interestAfter your loan matures on September 15, 2016, and if you would like to take advantage of this assistance, please contact GM Financial’s Expired Loans department at ###-###-####.? Should you have any further questions or require additional assistance, please contact GM Financial’s Customer Service department at ###-###-####.? Sincerely,GM Financial

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information I would like to apologize for the poor level of service you feel that you have receivedPlease be assured that GM Financial gives customer service a high priority and is totally committed to achieving excellenceUpper Management in the Lease Servicing department has been made aware of your concerns regarding issues with the refund release timeframe and your customer service experience A refund in the amount of $1,was issued by GM Financial Check Number [redacted] and sent by regular mail to your address of record on January 18, Please allow to business days from the time the check was issued for it to be received If you do not receive the refund check by February 1, 2016, please contact me at the telephone number provided below

Complaint: [redacted] I am rejecting this response because: Your system has generated incorrectly over and over My payment for was never late but yet you still stating in your message that I was lateI have spoken with many Reps all confirmed my payment for November was not late nor DecemberI hope this new system is fixed and will not cause anymore incorrect delinquent notices Regards, [redacted] ***

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] Newc Information social security number is [redacted]

Attached are the statements requested with the account information so that GM Financial can research.? Thank you, [redacted] Office Manager [redacted]

Inadequate response to a serious issue involving GM Financial's Collection Agency. Terms were agreed to with Vital Recovery and GM Financial did not research/communicate with Vital Recovery to make sure the credit information is accurate per the terms of the settlement.

August 3, Re: Complaint ID: [redacted] [redacted] Dear Ms [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 As previously explained, we received a payment on May 25, in the amount of $ $was applied towards the extension that was processed for the months of March and April of The remaining amount of $was applied towards your May payment due dateOn July 14, we received a payment in the amount of $which was applied towards your June payment due datePlease be aware, your account is currently past due for a total amount of $1, Please be advised that GM Financial has not changed our position regarding the account Should you have any further questions or concerns with regard to this matter, please contact GM Financial at ###-###-#### Sincerely, GM Financial

July 3, 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 As previously stated, our records do not reflect payments were received as stated in your correspondenceIf you would like to send in copies of the money orders for review, please fax them to ###-###-####, ATTN: (your GM Financial account number) Once again, if you have additional questions or need more information about the vehicle sale, please call us at ###-###-#### Sincerely, GM Financial

Complaint: [redacted] I am rejecting this response because: Prior to the repossession I made regular payments and late payments and the end of the contact GM financial inform me that I owe an additional $5,which I disputedI request to go to arbitrationIn the process of waiting on a response for arbitration the truck was reposed, to my surpriseI pay the $the same day to get the truck back? So I am requesting that the debt be removed because GM Financial really acted in bad faith with the loan itself.? Regards, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID 11596948, and find that this resolution is satisfactory to me The refund check was received on 7/ Regards, [redacted] ***

December 2, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] Dear Mr [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 the payment of $that posted to your account on July 22, was applied to the following: May 9, Installment Amount of $ June 9, Installment Amount of $ July 9, Installment Amount of $ Late Fee Balance of $ Cost of Repossession $ As of the date of this letter, your account is currently due for September, October and November payments, $of Late Fees and additional charges for the repossession of the vehicle on December 2, A copy of the complete payment history has been included for your reviewShould you have further questions or require any additional assistance, please contact the Reinstatement Department at [redacted] Sincerely, GM Financial

Complaint: [redacted] I am rejecting this response because:? Here is the account #? Acct# [redacted] Regards, [redacted]

Complaint: [redacted] I am rejecting this response because: The response from the company does not address my complaint - the fact that the finance company did not acknowledge the false information/misinformation provided to me with each attempt I made to resolve my financial hardships and inability to pay in accordance with the contract signed. When I made the last payment in the amount of $605.00 on 8/29/16 the payment was accepted and I was led to believe the company would continue to work with me to keep my vehicle. The fact that I was unable to speak with the company every day that they called - harassed during work hours every day - was explained the several times when I was finally able to answer and speak with the GM rep. The fact that there was an outstanding insurance claim was passed to every GM rep beginning with the voice mail message I left on the morning of 9/30/16 through to the person I spoke with through November. GM willfully decided to not file the clai [redacted] My complaint is that GM Financial did not provide fair business practices and willfully deceived me and my ability to file the insurance clai [redacted] I likewise kept in communication with Geico agents to advise that someone from GM Financial would contact the [redacted] If GM had contacted Geico as I advised, this matter would be closed and GM Financial would have the funds owed to them and significantly more than $7,000 - the amount reportedly earned from the sale of the vehicle. Please address why the insurance claim was not filed, the lack of professional behavior of each GM rep, and the willful deceit in handling this matter. [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’s position regarding this matter has not changedThe late fees were waived as courtesy for the one-time processing error that occurred in August of upon your initial attempt at setting up a recurring payment schedule through Western Union Speed PayNeither GM Financial’s records nor the records of Western Union Speed Pay reflect that any further recurring payment schedules were attempted to be set up online Our 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 Should you have any further questions or require additional assistance, please feel free to contact GM Financial at 1(800)369- Sincerely,GM Financial

The request we/I have been making is simple: I want you, GM Financial, to show the actual breakdown of the interest for each deferment, for my loanShow us the exact calculationsA blank worksheet does not provide that Why won't GM Financial provide information to consumers regarding their account? Does it have to be requested through court? If so, please provide me with the mailing address

February 16, 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 Enclosed is a copy of the Retail Installment Contract (“Contract”) and a copy of the credit applicationThese documents are sufficient to validate your obligation for this account and all the information that has been sent to any credit agencyWe have also included a copy of the payment history for your review 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 account and credit agencies Please be advised GM Financial is required to send a 1099-C to the Internal Revenue Service when an identifiable event occurs, pursuant to the Internal Revenue Code and the attendant Treasury RegulationGM Financial determined an identifiable event pursuant to the Internal Revenue Service regulation occurred for calendar year and sent a 1099-C to you as required by the Code and RegulationsPlease understand that the debt was not canceled or forgiven rather it was discharged and deemed as a loss to the companyThe 1099-C was sent as required by federal law Please note the Gap Company advised us on March 20, that there was no Gap payout Should you have any further questions or concerns with regard to this matter, please contact GM Financial at [redacted] Sincerely, GM Financial

Complaint: [redacted] I am rejecting this response because:I was informed the the GAP insurance company is actually GM Financial - if that is not the case they provide the name & address of the company? Per my phone call with your representative at GM 03/it was implied that GM Financial is also handling the GAP claims process? ? ? ? ? Regards, [redacted]