GM Financial

September 22,
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
Please be advised our records
reflect the title for the Volkswagen Jetta was released to your address of record on July 18, 2016; however, on August 25, it was returned to GM Financial as undeliverable
Please provide GM Financial with your current address, upon receipt of this information the title will be released
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. GM Financial was not present during the contract negotiations between yourself and Sweeney GMCOur records reflect that when you turned
in this vehicle, your dealership opted to purchase this vehicle via auction, not the pull-ahead programThe vehicle was not considered as a trade-in, but as an early terminationAt this time, GM Financial has not yet received the payoff for the GMC Terrain. Per your Closed-End Motor Vehicle Lease (“Lease Agreement”) you are still responsible for your Early Termination Liabilities as well as excess wear and use and excess mileage charges as described within the LeasePlease understand that your early term liability will be calculated upon the sale of the unitYou may be responsible for an early term liability balance. Included for your review is a copy of your Lease Agreement Should you have any further questions regarding this matter, please contact GM Financial at 1(800)369-or Sweeney GMC. 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,
*** ***

May 23,
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
A refund has been requested and completed A check in
the amount of $1,was issued to the address of record on May 17, via regular mailOur records reflect that the check has been reconciled
Should you have any further questions or require additional assistance please contact GM Financial at ###-###-####
Sincerely,
GM Financial

May 10,
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 October 13, 2016, you
entered into a Motor Vehicle Lease Agreement for the Chevrolet EquinoxWithin the agreement, you agreed to a month lease term with a monthly payment in the amount of $per month, due on the 13th day of each month beginning October 13,
On October 31, 2017, a GM Financial representative advised the primary account holder that a payoff check had not been received and payments would need to continue to be madeOn November 13, 2017, we mailed a letter to you and the primary account holder advising the account was more than days past dueOn November 17, 2017, *** *** *** *** made the initial notification that the vehicle was declared a total lossA payoff check mailed by *** was received by GM Financial on December 19, A refund check in the amount of $was mailed to primary account holder on January 2,
Please understand that GM Financial is required to report truthful and accurate information to the credit reporting agenciesOur research concludes that the account status and account payment history have been reported to the credit agencies with accuracy and in compliance with the Fair Credit Reporting Act (“FCRA”)
As outlined in your lease agreement (See Page 2, under Registration, Parking Tickets and Taxes), you must pay personal property taxes, ad valorem, sales, use or similar taxes assessed on the vehicle whether such fees or taxes are billed during or after the lease term, and whether you are billed by the government or whether we pay them and bill you for them or include the amount of such taxes as part of your scheduled paymentThe account currently reflects a balance of $for property taxes billed and remitted after the refund check was issuedPlease be advised, a pending tax abatement may reduce or eliminate the amount of property tax owedPlease be aware, you will still be responsible for any remaining balance
Should you have any further questions or require additional assistance with regard to this matter, please contact GM Financial at ###-###-####
Sincerely,
GM Financial

July 28,
RE: Complaint ID: ***
*** 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 ***
Sincerely,
GM Financial

August 1,
Re: Complaint ID: ***
*** ***
Dear *** ***,
Thank you for the correspondence sent to the Revdex.com We have reviewed your concerns and would like to provide the following information
On May 22, 2015, you entered into a Lease Contract (“Contract”) with *** Chevrolet, LLC for a Chevrolet Equinox Within the contract, you agreed to a month lease term with a $payment, due on the 22nd of each month beginning on May 22,
Our records reflect that you enrolled for the Automatic Payment Plan (“ACH”) on July 8, and would be effective with your lease payment due on August 22, Please note, a notice was mailed to the address of record on July 23, explaining this information
On July 21, 2015, you spoke with a GM Financial representative in regards to your ACH, at this time it was explained that your ACH would be effective August 22, and other payment options were provided to you in order to make your July base rent due date Please be advised, the MyAccount dashboard will reflect the scheduled payment amount and also advises you to refer to your monthly statement for the total amout due Please note, payments submitted online are processed through Western Union Speedpay and will reflect a zero amount due; however, you are still able to make your payment online by selecting “pay other amount” on the payment screen
Upon review of the account, the payment received on August 24, in the amount of $was applied towards your July base rent due date, this caused your GM Financial account to be one month behind GM Financial made multiple attempts to contact you regarding the status of your account
On October 12, 2017, you spoke with a GM Financial representative and it was explained that your account was one month behind and there were late fees assessed in the amount of $ As of the date of this letter, a remaining lease liability balance is still owed on the account in the amount of $1, Please be aware, our Loss Recovery Department will work with you on making arrangements for the remaining balance due
Should you have any further questions or concerns with regard to 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,
*** ***

October 17,
Re: Complaint ID: ***
*** ***
Dear Ms***,
Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information
Our records reflect
that a payoff in the amount of $10,was quoted on October 11, good through October 21, Please be advised a day payoff is provided each time a payoff is requested
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 10.95% in installments of $433.66, and any other charges within this contract
Should you have any further questions or require additional assistance, please contact GM Financial’s Customer Service department 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,
*** ***

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information. GM Financial was not present during the contract negotiations between yourself and EnterpriseOn April 30, 2013, you signed a Retail
Installment Contract (“Contract”) for the Mitsubishi Outlander in the amount of $22,at an interest rate of 15.25%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning on June 14, Negotiation of Annual Percentage Rate would have had to occur with the Seller prior to entering into this Contract. As this is a Simple Finance Charge (simple interest) contract, we figure the Finance Charge (interest) on a daily basis at the Annual Percentage Rate on the unpaid part of the Amount Financed (principal)We may apply each payment to the earned and unpaid part of the Finance Charge, to the unpaid part of the Amount Financed and to other amounts you owe under this contract in any order we chooseWe based the Finance Charge, Total of Payments, and Total Sale Price shown on the front of your Contract on the assumption that you will make every payment on the date it is due A review of your account payment history reflects that the application of your payments to the unpaid part of the Amount Financed and to the earned and unpaid part of the Finance Charge is accurate. Included for your review are copies of your Contract and Account Payment History. Should you have any further questions or require additional assistance, please feel free to contact GM Financial directly at 1(800)284-2271. Sincerely,GM Financial

October 6,
Re: Complaint ID: ***
*** ***
Dear Mr***,
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 *** *** *** *** *** ** ***
The amended “Notice of Our Plan to Sell Property” was mailed to your last known address of record via certified mail number *** *** *** *** *** 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 *** ***
Sincerely,
GM Financial

Again, the issue is NOT whether there is a balance, the issue is that I am considered past due $dollars when you received over $14kIt's simple mathThanks for nothing

Thank you for your feedback in such on this matterI'm happy that I get the title of my Dad's vehicle put in my name but I have another concernThe loan you have with my dad is still going to be in his nameBut the problem is probate is to get all debt out of his nameIf I'm going to pay over $a month for a vehicle I for one would love the credit put on my credit reportI have no money for a big down payment for a refinance loanBut then I ask myself if you know and trust me to put me on the TITLE of my dads car then why is it so hard to just put me on the loan contractThis seem's illegal because how are you going to collect debt of a loan of contract from a deceased personYou would take a big loss if something would happen if it came back to your companyI just want my credit build upSo later on in life I can purchase another vehicleMy point of view is I pay off my fathers loan then go to a car dealership and be told I don't have a substantial credit score and no history of any vehicles in good standing being paid offSo then I would be approved at allMy dad isn't here anymore to purchase a vehicle in his name for me so I can pay it off for him like I did his last vehiclesI built his credit upThe Chevrolet Cruze holds a lot of my heart because it's the only thing I have left of himMy brother and sister took everything elseBut thank you for your timeHope we can settle the matter
Regards,
*** ***

December 21,
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 required
At 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

February 23,
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
In the state of Arizona, all GM Financial lease purchase option transactions are handled by IFS, a third party vendorThey will provide you with all necessary documents regarding the requested transactionPlease contact IFS directly at ***-***-***
If you have any questions or require additional assistance, please contact GM Financial at 1-***-***-***
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
Upon further review of the account, GM Financial has agreed to remove the day delinquency that reported in October of We have submitted an update and forwarded the proper documentation to all three major credit bureausPlease allow 30-days for this information to update and reflect accordinglyPlease note when logging into the website, if your account is current at the time of log in, a payment will not be reflected till after the due dateAll further payments are due on the 28th day of each month in the amount of $per monthWe apologize for any inconvenience this situation may have causedShould you have any further questions or require additional assistance regarding this matter, please contact GM Financials Lease Servicing Department at ###-###-####
Sincerely,
GM Financial

I believe you've stated exactly what my issue was, the facts of my signing, payment and date of the lease are not in disputeI did not see a date for the first payment on the agreement which is why I contacted GM Financial on a few occasionsYour statement that the website is only able to reflect the current amount due is my exact point of contentionThe web site had a balance of $until about two days prior to the payment being days latePayment was sent immediately by my bankIf GM Financial feels I should have paid that balance immediately over the phone (I was driving at the time) I feel if your account information on the website displayed the actual balance due at any point prior, that would not have been requiredI do not pay my bills late, GM Financials failure to maintain and implement its web site was the direct cause of my payment being credited days past the day markNot the fact that I didn't make that payment by phone. Furthermore GM Financials failure to acknowledge fault or take any steps to correct the error are incredibly poor customer service and are in violation of the Fair Credit Act and I will act outside of the Revdex.com if requiredI can assure you that this will be the very last time I conduct any business with GM Financial as well as causing me to reevaluate my long standing loyalty to General Motors cars and trucks

I faxed 2x the same document that the deal or sentYou should have received itThank you

February 14,
RE: Complaint ID: ***
*** ***
Dear Mr***,
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
Please be advised copy of the Account Payment History will be mailed to you separately
Sincerely,
GM Financial