GM Financial

January 10, RE: Complaint ID: [redacted] [redacted] Dear Mr [redacted] , Thank you for the additional 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 social security number and or account numberUpon receipt of this information I will research this matter 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 GM Financial’s position regarding this matter has not changedAs late fees are a part of your contractual obligation, the title to the Mazda cannot be released until this balance is paid or settledIn an effort to assist you, a member of the leadership team previously offered the maximum waiver of 50% of the late fee balance owed after the amount $is received Please understand that the assessment of these types of fees was the direct result of your account payment historyOur records reflect that you were notified of the balance you owed, including late fees, on your billing statements, each login on MyAccount online, and at the beginning of each phone callThe Late Fee Balance notices were also mailed to your address of record, which matches the address you’ve provided within this complaint Should you have any further questions or require additional assistance with regard to this matter, please contact Customer Service at 1(800)284- Sincerely, GM Financial

The daily charges against me were never reveled to me until March First of all I made all my payments on or soon after the day of my paycheckYou can see this in my payment historyWhen I started getting calls because my due date was on the 9th of the month and I was making my payments on the 20th No one ever told me of these charges only that, No Mr James your not technically late and no you will not be reported as late to the credit bureaus and as long as your not late and you will be charged no late feesSo of course I was always encouraged to pay when I could after the due date that way you make the most money and as far as I know I am doing OK because I have no marks against my credit and no late chargesSo finally someone with a concern contacted around March and said No sir you have no late pays fees and no marks against your credit but paying after the due date is building up charges that will cost you at the end.So at that time I made arrangements to pay over my amount for several payments and get ahead of my due dateYou can see my payment history after June that I was always to days early and thats how its been since then There was one employment change in that was the deferment request due to changes in my payment scheduleI was never advised that these deferments were a bad thing against me just that I may pay like $extra at the end of the loan.And yes I received the notice in that my last payment would be more than normalNOT THAT IT WOULD BE $MORE!!! So as far as I knew I was doing well with the loan throughout the whole loanWhy? Because I had no late pays on my credit and no late charges I had no Idea you had charged me over $due at the end of the loan and within daysI Was always told by your people as long as I payed before it was actually late everything would be ok

I spoke to [redacted] in customer service on Dec 10th and told her my husband had lost his job and we were doing the best we could I did not have the $400+ that day because I had just paid my mortgage the week before and I could not pay until the 18th when I got my next check This representative failed to put in the notes on the account that I arranged to pay on FRIDAY the 18th My car was repossessed from my workplace before I even had a chance to make a payment on FRIDAY the 18th I called GM financial customer service and was told I had to talk to the reinstatement department I made multiple phone calls on Friday and left messages with no return callsI called customer service back and asked if there was a way to reach someone because the phone number they gave only allows you to hold for seconds before dumping you into voicemail even though it says you can hold for a representative Morris said that is the only phone number for them He offered to confirm that Reposessors Inc had my vehicle which they did The information could have been gathered on Friday if someone would have returned my call.I had to continue calling back multiple times on Saturday until Brenda told me she couldn't help me and I'd have to call back Monday I called back again and she returned my call saying she already told me she couldn't help me I explained Morris confirmed my car was picked up and Repo Inc had the vehicle She then finally explained she couldn't help me until she could talk to them and they were closed for the weekend and I'd have to pay storage fees for the vehicle I explained that if I would have been able to make my payment on Friday as I stated to [redacted] , none of this would even be an issue Brenda transferred me to a customer service manager at my request since she did not have a manager in her dept on Saturday I explained the situation to the manager who in turn told me she'd email the manager in the reinstatement dept and ask her to call me first thing Monday morning I took off work on Monday to resolve this issue I spent the entire day starting at 9am trying to reach a manager from the reinstatement dept I left multiple messages again since you can't hold for a rep (now I'm up to 30+ phone calls with still no information) They called my home phone when I asked them to call my cell phone When we finally spoke that evening, I still had to ask for the manager as she had not even tried to call me I was then told by the manager, [redacted] , that the dollar amount was triple what I was told on the 10th I explained there is no way I would have that kind of money by January 6th which is why I was told the only other option was to sell the vehicle at an auction The manager stated they had made multiple phone calls to me over the months, but I did not have one phone call on my voicemail or answering machine stating GM Financial was calling and asking me to call them back If they called, they didn't leave a company name I don't return calls to people I don't know I get many survey companies calling as well and do not choose to answer these calls, so there was no way for me to know this was GM Financial calling if they didn't state it in their message.I feel GM financial didn't work with me at all They make it very difficult for someone to even get ahold of them Maybe this is by design The repo company even stated that they had heard GM Financial is an awful company to deal with Your reputation preceeds you It's very sad that your company will not work with people that come upon hard times and are still trying to make payments It would be nice if you'd reconsider your response and actually work with your customers instead of making hard times worse....especially at this time of year I understand I had a contract but was hoping you had a clause or a management staff with a heart like most others companies do I have had many others willing to work with us while my husband continues to look for work We all know that there is very little employment opportunities this time of year If you don't make this right, I have no choice but to share my story with anyone and everyone I come in contact with I am not the only one dealing with this same type of issue with your company If you look online there are many complaints about GM Financial This should tell you something

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information On October 29, 2014, you signed a Retail Installment Sale Contract (“Contract”) for the purchase of a Toyota Camry in the amount of $ 16,at an interest rate of 20.00%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning on November 28, On June 1, 2016, the decision was made to place the vehicle out for repossession, as allowed by your contractAt this time the account was over days past duePlease note that GM Financial places a high priority on adhering to all state and federal lawsThe state of North Carolina does not require cure notices to be sent prior to submitting the account for repossessionThe account history was reviewed thoroughly and it has been determined that the handling of the account is in compliance with your Contract and all state and federal laws Please be advised numerous efforts were made to contact you with regard to the status of the accountOur records reflect that we last spoke with you on May 13, 2016; at which time you declined a deferment that was offered to you, and informed GM Financial that a payment would be made at the end of the monthThe last payment received on the account was on March 22, Please understand that GM Financial is both by law and by contract required to report truthful and accurate information to the credit reporting agencies While there are times, and yours is one of them, where we might like to follow our hearts and the equities of the situation and ignore our legal and contractual obligations, we just cannot do soAccordingly, and with mixed emotions, I must inform you that GM Financial is unable to honor your request to delete or alter your account information from your credit report Should you have further questions or require any additional assistance, please contact GM Financials Loss Recovery department at ###-###-#### Sincerely, GM Financial

March 9,
Re: Complaint ID: *** *** ***
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 note, a refund has
been requested and completed A check in the amount of $was issued to the address of record on March 7, Please allow 7-business days to be received
Should you have any further questions or require additional assistance please contact GM Financial at ###-###-####
Sincerely,
GM Financial

February 27,
Re: Complaint ID: *** *** ** ***
Dear Ms***,
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 social security number and or account numberUpon receipt of this information I will research this matter
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because:
Regards,
*** ***

August 25,
Re: Complaint ID: ***
*** ***
Dear Mr***,
Thank you for the correspondence sent to the Revdex.comAt this time, GM Financial is currently reviewing your accountA response will be issued once the review has
been completed
Sincerely,
GM Financial

Tell us why here...March 14,
Re: Complaint ID: ***
*** ** ***
Dear Mr***,
Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information
As previously explained, GM Financial submitted an update to the credit reporting agencies regarding the current status of your accountPlease allow the credit bureau reporting agencies 30-days to reflect these updates
The current outstanding balance is $and is good until March 24, Please note the payoff quote is subject to change if the payoff expires, changes to the account payment history occur or fees assess to the account
We empathize with the problems you may have experienced with the vehicle; however, all mechanical issues would need to be resolved between yourself, the originating dealership and the manufacturer of the vehicle, if necessaryIf you would like to discuss this matter further with the manufacturer of your vehicle, please contact the Chevrolet Customer Assistance line at ###-###-####
Included for your review is a copy of your payment historyIf you have any additional questions regarding this matter please feel free to contact GM Financial at ###-###-####
Sincerely,
GM Financial

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Regards,
*** *** I suppose I do not have a choice and will be sending out with in the next few weeksHowever I no longer have an account with them and will call to find out what I shall put on the check so it gets credited to the right account

August 23,
Re: Complaint ID: ***
*** ***
Dear *** ***,
Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information
A review of the account reflects that proof of cleared funds was received on August 23, 2016; however, the payment initially received on July 28, 2016, was returned to GM Financial as Not Authorized on August 26, The request to refund this payment has been cancelled as GM Financial is unable to refund a payment that has been rescinded by your financial institution
Should you have any further questions regarding this matter, please contact Lease Servicing at 1(800)369-
Sincerely,
GM Financial

I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Regards,
*** ***

January 12,
RE: Complaint ID: ***
*** ***
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 requiredAt 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

January 29,
Re: Complaint ID: ***
*** ***
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 18, at
8:51am, you set up an ACH payment in the amount of $using Western Union Speedpay Online, the confirmation number provided to you for this transaction was ***At 9:33am on the same day, you set up an additional ACH payment in the amount of $using the Western Union Speedpay Mobile, the confirmation number provided to you for this transaction was ***These two transactions were applied to your January 10, and February 10, installment payments
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 processingYou may fax proof of cleared funds to your Customer Service Department at 1-888-744-in order to request a refund of the February installment paymentPlease remember to include your account number on any document faxedPlease be aware, once the proof of cleared funds document is received and processed, a refund check would be mailed to your address of record
If you have any additional questions regarding this matter, please feel free to contact GM Financial at 1-800-284-
Sincerely,
GM Financial

Revdex.com:
My account number is ***Someone needs to contact me from GM Financial asap because effective Saturday I will no longer be able to drive my vehicle due to the registration issueThis matter is URGENT!
Regards,
*** ***

While I appreciate the response please refer to the complaint for the amount that is in disputeThe figures that are listed below leaves a difference of 21.82, which the dealer is paying shortlyThe amount in dispute is that was reported Dec 11, which I have called several times onIt was sent to collection by GMAC to Firspoint Collection Resources Inc and is reporting as open as of Sep At the time I had a loan with you but there was no balance owing and to date with the exception of the there is not a balance owing and have never been a late paymentI would like the removed from my credit as it is adversely affecting my score

Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information. As you had requested verbally on May 23, 2016, all available call recordings from May 16, through May 23, were reviewedIt was determined that you were provided with incorrect information on May 19, and May 23, For this miscommunication, we apologize On May 25, 2016, the payment you submitted using a mobile device on May 19, was returned to GM Financial as non-sufficient fundsDue to the miscommunication, GM Financial will reimburse you for Non-Sufficient Funds fees assessed by your bank after the 2nd attempt to withdraw the funds Please fax in a current bank statement with a running balance that also includes the assessment of Non-Sufficient Funds feesPlease fax this document to Attn: *** ** *** and include your GM Financial Account Number on the cover sheetThe bank statement you provided on May 23, is not sufficient as the payment in question is reflected as a Pending Transaction and Non-Sufficient Funds fees assessed are not shownOnce the current bank statement has been received, please allow 2-business days for the reimbursement process to be completed and the check will then be overnighted to your address of record. Please understand that in the future we will not be able to refund any bank fees assessed for payment methods that are consumer driven, initiated, and authorized. If a payment does not clear on the first attempt, a second attempt will be made, if your financial institution allows; prior to the payment being returned to GM FinancialAs we have explained to you by phone and via the previous response to this complaint, GM Financial is unable to stop or alter these transactions on your behalf. We would again like to apologize for any miscommunication that may have occurredUpper management has been made aware of the call reviews and the resulting issues have been addressedShould you have any further questions or require additional assistance, please contact Customer Service at ***. Sincerely,GM Financial

It has taken GM multiple telephone inquiries, FCRA disputes and Revdex.com complaints to finally provide documentation.The GM bailout cost us over $Billion Dollars Now GM is proud to make it harder to purchase a GM auto by a prior customer who paid off an auto loan almost two years early -but was late three Christmas seasons and the first month college tuition was dueIt boggles the mind that GM receives mercy but cannot give anyThey may have an obligation to report, but they do not have an obligation to their stockholders to keep their heads in the sand.Please remove the late reports to make it easier to get another GM car! The sales department needs your help!

May 4,
Re: Complaint ID: ***
*** ***
Dear Mr***,
Thank you for the correspondence sent to the Revdex.com
Please be advised that GM Financial has submitted an update and forwarded the proper documentation to all three
major credit bureaus with the most current balance owed on the account of $Please allow 30-days for this information to update and reflect accordinglyPlease also 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
We do apologize for any inconvenience this may have caused you
Should you have any further questions regarding this matter, please contact GM Financial at ***
Sincerely,
GM Financial