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

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 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

When I contacted GMAC in regards to setting up auto pay the rep told me that I was unable to do soI asked about that option because it was financially betterIf I am able to set up this option please contact me as I was told that I could not by your representative

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information.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 accountOur research further indicates that all credit disputes received have been responded to accurately and in a timely manner.The late payments in question were all paid online via MyAccount using Western Union SpeedPayThis type of payment is customer driven, initiated and authorizedPlease see below for specifics about these particular payments.Included for your review are copies of your contract and the complete account payment history of your accountShould you have any further questions or require additional assistance, please feel free to contact Customer Service at 1(800)284-2271.Sincerely,GM Financial

May 11,
Re: *** *** Complaint ID: ***
Dear Ms***,
Thank you for the correspondence sent to the Revdex.comAt this time, GM Financial is currently reviewing your accountPlease allow additional time for your request
to be reviewedOnce the review has been completed, a response will be communicated to you via regular mailShould you have any questions while we review your account, please feel free to contact GM Financial at ###-###-####
Sincerely,
GM Financial

November 7,
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 September 6, 2012, the vehicle was involved in an accident and declared a total loss by Progressive InsuranceOn September 10, 2012, GM Financial quoted a payoff to Progressive in the amount of $11,good for daysOn September 14, 2012, GM Financial received a payment from Progressive in the amount of $10,As per your contract, the payment was applied to the balance of your account reducing what you oweInsurance proceeds will only be applied to the principal balance of the accountAs outlined in the total loss letter sent on September 10, 2012, 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 fullThe insurance proceeds received from Progressive were applied to your account balance and were not enough to pay the amount you owedThis balance was reported as a charge off on November 30, The GAP Insurance refund was received on December 27, satisfying the charge-off balance
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

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

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

July 3,
Re: Complaint ID: ***
*** ** ***
Dear M** ***,
Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
On April 1, 2016, you entered
into a Retail Lease Agreement (“Contract”) for a Chevrolet MalibuWithin the agreement, you agreed to a month lease term with a monthly payment in the amount of $per month, due on the 30th day of each monthPlease be advised the vehicle was solely leased to you and not a third party
Please note that GM Financial places a high priority on adhering to all state and federal law** The state of California requires a cure period or notice of repossession be mailed prior to repossession, a cure notice was sent to the address on file on April 15, On May 15, 2017, the decision was made to place the vehicle out for repossession, as allowed by your contractGM Financial is both by law and by contract required to report truthful and accurate information to the credit reporting agencie** We are unable to fulfill your request to refund the repossession charge** As of the date of this letter, your account is currently due for the July 1, base rent payment
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
Included for your review is a copy of your lease agreementIf you have any questions or require additional assistance please contact GM Financial at ***
Sincerely,
GM Financial

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11300660, and have determined that this does not resolve my disputeagain NOTHING is done about this still! I I have been charged several months for late fees and you have reported in my credit that they were not paidFix the credit report! Figure out WHY you are trying to say we have payments due still!

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

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

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

March 6,
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
Upon review of the account, an
update was submitted to the credit bureau reporting agencies on March 5, The account reflects 1/30, 0/60, and 0/Please allow the credit bureau reporting agencies 30-days to reflect these updatesPlease 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
Should you have any further questions or require additional assistance please contact GM Financial at ###-###-####
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

March 24,
Re: Complaint ID: ***
*** ***
Dear Ms***,
Thank you for the addition** correspondence sent to the Revdex.com
Please be advised that GM Financi** has not changed our position regarding the accountAs stated in the contract (See Page 2, under Other Terms and Conditions, section 2-F), if your insurance on the vehicle or credit insurance doesn’t pay all you owe, you must pay what is still owed
Thank you for your time and insight regarding your experience with GM FinancialShould you have any further questions or require addition** assistance, please feel free to contact GM Financi** at ***
Sincerely,
GM Financial

Revdex.com:
I have reviewed the response and find it satisfactory.
*** ***

June 22,
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
Upon review of the account, on June 20, 2017, GM Financial
submitted an update and forwarded the proper documentation to all three major credit bureaus for the removal of the negative reportingPlease allow 30-days for this information to update and reflect accordingly
Please be advised GM Financial waived the billed amount of $and the $for Excess Miles from your GM Financial Lease account.GM Financial is unable to honor your request to refund any additional amountsPlease note a paid in full letter will be mailed to your address of record
We apologize for any inconvenience this situation may have causedShould 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 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
On October 26, 2016, you
signed a Retail Installment Sale Contract for a Chevrolet Cruze in the amount of $19,at an interest rate of 14.50%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning November 25,
On September 5, 2017, the decision was made to place the vehicle out for repossession, as allowed by the contractAt this time the account was days past dueThe account history was reviewed thoroughly and it has been determined that the handling of the account, including repossession, was in compliance with all state and federal lawsThe state of Illinois requires a cure period or notice of repossession be mailed prior to repossession if there is a co-buyer on the account, a cure notice was sent to the address on file on August 16,
Our records reflect that GM Financial spoke with you on various occasions, however payment arrangements were not firmly set in place or the promises to pay were brokenPlease be advised numerous efforts were made to contact you with regard to the status of the account prior to the last contact made on August 26, and after that dateIn efforts to assist you, a deferment was offered to youHowever, the deferment was not processed due to broken arrangementsStorage charges are owed separately to the repossession agentA repossession fee is charged every time a vehicle is picked up, along with any other repossession feesGM Financial is unable to honor your request to waive the repossession fees
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
You may utilize other payment options such as payment by phone, IVR, or online at www.gmfinancial.comThese payment options are provided by Western Union and may subject to a convenience chargePayment options available at no cost include the ACH payment option online or the GM Financial Automatic Payment PlanPlease be advised depending on the status of your account some of these options may not be available
Included for you review is a copy of the Contract and Payment HistoryShould you have any further questions or require additional assistance with regard to this matter, please contact Customer Service at (*** ***
Sincerely,
GM Financial