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

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

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

July 31,
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, as per your contract, the warranty refund was applied to the balance of your account reducing what you oweWe may apply each payment to the earned and unpaid part of the Finance Charge, to the unpaid part of the Amount Financed and to any other amounts you owe under this contract in any order we choose
Unfortunately, we are unable to honor your request to apply the funds toward your monthly installment due dates as insurance proceeds and warranty refunds will only be applied to the principal balance of the account
We apologize for any inconvenience this situation may have caused 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

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 reviewed your concerns regarding calls made to the telephone number of ###-###-#### and has submitted a request to have your
contact information placed on a Do Not Call list to ensure no further calls will be made
GM Financial takes all complaints seriously and we appreciate you bringing this matter to our attention, and apologize for any inconvenience this may have caused
Should you have further questions or require any additional assistance, please feel free to contact me directly at the number listed below

February 24,
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
Our records
reflect on February 17, a GM Financial representative provided you with your user ID and reset your password for access to MyAccountIf you are still having trouble accessing your MyAccount profile, it will be necessary to speak with you directly in order to further troubleshoot and rectify this matterAt your earliest convenience, please contact Customer Service directly at *** *** so that we may further assist you with logging in
Hours of Operation:
Monday through Thursday, 7:a.mto 8:p.mCT
Friday, 7:a.mto 7:p.mCT
Saturday, 7:a.mto 4:p.mCT
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 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

May 17,
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
On May 16, the decision was
made to place the vehicle out for repossession, as allowed by your contractAt this time the account was over days past dueThe “Notice of Right to Redeem or Reinstate” and the “Notice of Our Plan to Sell Property” were mailed to the address of record on July 10, These notices explained that you would be required to pay the difference between the amount 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 the address of record on August 27, to inform you of the remaining balance owed
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
Included for you review is a copy of your Account Payment HistoryIf you have any questions or require additional assistance please contact GM Financial at ***
Sincerely,
GM Financial

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

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

June 4,
Re: Complaint ID: ***
*** L***
Dear Mrs***,
Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information
Our records reflect that you made a phone call to GM Financial on April 27, to cancel your Auto Debit Payment PlanOn May 1, a payment was drafted in the amount of $Please note that your cancellation request must be received at least days prior to your next payment due date to ensure the Auto Debit Payment Plan is canceled
Please be advised that GM Financial has not changed our position regarding the account
Should you have any further questions or require additional assistance in regards to this matter please contact GM Financial at ###-###-####
Sincerely,
GM Financial

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,
*** ***

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

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

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

July 11,
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 you are still responsible for maintaining the monthly installment payments and are still subject to monthly credit bureau reporting until the account is paid in fullLate fees are assessed when a payment is not received within days of the date it is dueOur records indicate that as of July 10, Gap issued a refund check in the amount of $5,Please understand you are responsible for any deficiency balance on the account once insurance and gap proceeds have applied to the remaining contract liability
If you have any further questions or are in need of additional assistance regarding your account, please contact the GM Financial Total Loss Department 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. We apologize for the poor service you feel you have received; however, our records still do not reflect that this letter has been received and the fax numbers provided to you are checked hourly during business hoursIf you are having issues faxing the letter, please attempt to send the letter to GM Financial at *** or you may attach it as part of your response to this Revdex.com complaint. Without this letter, GM Financial is unable to provide additional consideration of your request, as the reporting of the account to the credit reporting agencies is done in accordance with the industry standard of the Metro II format in compliance with the Fair Credit Reporting Act (“FCRA”) and reflects the payment record of how the debt was paid. Our research concludes that the status, dates, amounts, and payment history of your account have been reported to the credit bureau reporting agencies with accuracy. Please follow up on your request with GM Financial’s Customer Service Department at ###-###-#### 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

December 12,
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
Our records reflect that GM
Financial received the payoff on this account on December 8, A cease and desist was placed on the account per your request, GM Financial was not able to inform you of the status of the accountYou called GM Financial on December 7, and were informed that the payoff on the account had not been received
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 at this time
If you have any further questions or are in need of additional assistance regarding this matter, please contact GM Financial at ***
Sincerely,
GM Financial