GM Financial

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

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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10625634, and have determined that this does not resolve my dispute.Most Recent MessageDate Sent: 5/19/5:55:PMRevdex.com:Please forward this message, to GM Financial,
containing the information they have requested.Account # 451177596last 4: 8737Regards, Charlotte Wagner

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,
*** ***

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

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information.As your February installment was due on Monday, February 1, 2016, your account is now into a new billing cycleThis is why you are seeing two
payments owed online, one for the past due installment for February 1, and the second for the current billing cycle due March 1, When you are making your payment online, you are shown the amount to be paid and given the option to edit any information on both the Payment Information and Payment Review Pages, prior to authorizing and making the payment.As per your Contract, if a payment is not received in full within days after it is due, you will pay a late charge of $or 5% of the part of the payment that is late, whichever is greaterPlease understand that this is not a grace period as this is a Simple Interest Contract, meaning that interest accrues on a daily basisWe apologize for the inconvenience and appreciate your feedbackIf you have any additional questions or are in need of additional assistance, please contact Customer Service at 1-800-284-2271.Sincerely,GM Financial

Complaint: ***
I am rejecting this response because I refuse to forward our social security number to an unknown personGM Financial has demonstrated by unethical actions of falsifying records and forging documents you can not be trustedFurthermore according to Social Security administration A company cannot refuse service if I do not give my social security number I demand you validate the debt, remove all negative remarks, and dismiss& discharge allege loan immediately
Regards,
*** *** *** ***

My original complaint against GM Financial has been corrected and closed with my credit report reflecting the correctionGM Financial has again reported the late payment to my credit bureauI contacted GM Financial about this and they told me that my account was closed, it was not reported late again and I needed to wait longerIt has now been a month and there has been no correction to my credit reportI would like to reopen my complaint and have the mark once again removed from my wife's and my credit report. Sincerely, *** *** ***

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

May 2,
Re: Complaint ID: *** *** ** ***
Dear Mrs***,
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 if you are represented by an attorney, we are unable to communicate with you further as all communications must be directed through your attorney pursuant to Federal law If you are represented by an attorney with respect to your GM Financial account, please have your attorney fax or mail in a letter of representation that includes his or her contact information to:
GM Financial
*** *** *** *** *** *** *** *** *** *** ** *** *** ***
Should you have any further questions or require additional assistance with regard to this matter, please contact Customer Service directly 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
Our records reflect that on January 1, 2015, you filed a Chapter BankruptcyAccording to your Chapter plan, the trustee was to disburse
payments totaling $19,at 5% interest to GM FinancialAccording to our records and the Trustee’s Final Report and Account, no disbursements were paid to GM Financial
Our records reflect that your monthly installment payments were due on the 1st day of each month and that GM Financial spoke with you on numerous occasions regarding the status of the account; and our records further reflect that there were either no GM Financial approved payment arrangements in place or the approved arrangements were not upheld
After the dismissal of your Chapter Bankruptcy on May 19, 2015, GM Financial did not receive the required payment of the past due amount in order to be able to cease repossession effortsAs allowed by your contract, on June 1, 2015, the decision was made to place the vehicle out for repossessionAt this time, the account was more than days past dueThe repossession order was closed June 11, after the receipt of a payment for the January 1, installment due dateOn July 7, 2015, the account was again reviewed by management and the decision was made to place the vehicle out for repossessionAt this time the account was over days past dueThe account history has been 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 “Notice of Right to Redeem or Reinstate” and the “Notice of Our Plan to Sell Property” were mailed to your address of record on August 13, These notices explained that you would be required to pay the difference between the amount you owed to GM Financial and the amount the vehicle sold for, plus expenses if you opted not to redeem/reinstate the vehicleAfter the sale of the vehicle at auction, a “Deficiency Calculation” letter was mailed to your address of record on September 15, to inform you of the remaining balance owed
Please be advised that a cease and desist of telephone communication has been documented to the accountWhile you may no longer receive telephone calls regarding the status of your account, GM Financial will continue to communicate with you to the extent allowed by law
Please be advised that the repossession company that you referenced is an independent contractor and is licensed as suchAny claims against their company will need to be addressed directly with their company and/or licensing authority
Included for your review are copies of your contract and account payment historyIf you have any further questions or are in need of additional assistance regarding this matter, please contact GM Financial at ###-###-####
Sincerely,
GM Financial

May 15,
Re: *** ***
Complaint ID: ***
Dear Ms***,
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, the tax abatement was processed and reduced the amount of property tax owed by $In an effort to resolve this matter, GM Financial has processed a waiver for the remaining balanceYour account now reflects a zero balance
Please be assured that GM Financial gives customer service a high priority and is totally committed to achieving excellenceWe apologize for the poor level of service you feel you have receivedIf you have any further questions or require additional assistance, please feel free to contact GM Financial at ###-###-####
Sincerely,
GM Financial

August 29, 2016 Re: Case Number: *** *** Dear Mr***, Thank you for the correspondence sent to the Revdex.com, I have reviewed your concerns and would like to provide the following information When a payment is received by GM Financial and we are
unable to locate an account associated with the payment, the funds are held for a period of days prior to a refund being released back to the original senderOur records reflect that the funds were returned today August 29, 2016 to Online Resources Corporation (“ORCC”), a third party payment systems providerThe funds are generally sent back electronically by ORCC to the original banking institution within 48-business hours. Should you have any further questions or require additional assistance, please feel free to contact GM Financial at ###-###-#### and reference Suspense Item ***. Sincerely,GM Financial

February 14,
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
The MoneyGram payment in the
amount of $was located and posted to your account on 02/13/2018, with an effective date of 01/16/Your account has not been reported to the credit bureaus for any late payments and no late charges have been assessed to your accountWe apologize for any inconvenience you have experienced as a result of this situation
If you have any further questions or concerns regarding this matter, please feel free to contact GM Financial at ***)***-***
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because: System enhancements don't take monthsThis is willful and wrongful damage.If I pay one second late you're happy to damage my credit for years.But when I pay on time you damage my credit anyway!!
Regards,
*** ***

Thank you for forwarding the additional
correspondence to the Revdex.comI have reviewed your concerns and
would like to offer you the following information
Please note that in order for
GM Financial to review and consider a refund, please provide a
rolling bank
statement showing each transaction that was paidYou may fax, email or call me
directly

July 25,
Re: Complaint ID: ***
*** ***
Dear Mr.***,
Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
Please understand that GM Financial is required to report
truthful and accurate information to the credit bureau reporting agenciesWe have contacted the credit bureau reporting agencies and confirmed that your GM Financial lease account has not been reported negatively
Should you have any further questions or require additional assistance regarding this matter, please feel free to contact Lease Customer Service department directly at ***
Sincerely,
GM Financial

September 18,
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
Upon review of the
account, the payment for the May 1, base rent payment was not received until June 9, 2017; at which time the account was days past dueGM Financial reports to the credit bureaus when the past due balance becomes more than days delinquentPlease be advised GM Financial made multiple attempts to make contact you in regard to the status of the accountOur records reflect that we received a completed Auto Pay Enrollment form on June 12, Please note it takes a full billing cycle for the Automatic Payment Plan to be effective, the Automatic Payment Plan was effective July
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
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 this matter, please contact GM Financial at ***
Sincerely,
GM Financial

December 5,
Re: Complaint ID: ***
*** ***
Dear Ms***,
Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
Our records reflect that there are no late charges assessed or a credit mark on the account as of the date of this letter, and there is no payment due until December 9, GM Financial received a payment on November 17, 2016, in the amount of $for the November 9, monthly base rent paymentThe payment was made online via MyAccountPlease be advised the Automatic Payment Plan was effective November 9, that drafted out that same day for the October 9, monthly base rent payment in the amount of $
As you have been advised on November 26, 2016, your account is current at this time and is currently set up on the GM Financial Automatic Payment Plan
If you have any further questions or are in need of additional assistance regarding this matter, please 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,
*** ***