GM Financial

Complaint: ***
I am rejecting this response because:Is there anything that you can do to assist me trying to get my loan paid off as you have gotten A lot money from my loan than what I originally borrowed when I purchased the car, even if you could just waive the late fees that have accrued the account and make me current so I can have a fresh start with the remaining of my loan I would greatly appreciate this help Thanks
Regards,
*** ***

Complaint: ***
I am rejecting this response because: there is still no resolutionFrom the past months I have learned that GM Finacial is full of “talk” but has follow-through
Regards,
*** ***

Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information.We apologize that you feel that you have been misled; however, how we will figure the Finance Charge (“interest”), apply payments, and how late or early payments change what you must pay is clearly reflected on page of your contract in the first section titled “Finance Charge and Payments”. By signing the contract you agreed to the terms and confirmed that before you signed the contract that it was given to you and that you were free to take it and review itHow payments have been applied to your account balance has always been clearly conveyed on your monthly billing statements. Each time a payment is made the next billing statement will reflect the breakdown of the payment into principal and interestCopies of your last three billing statements have been included for your reviewPlease understand that how much interest you pay over the life of this loan is completely determined by how you make your monthly payments, early, on time, or lateThe amounts reflected on the face of your contract in the “Federal TruLending Disclosures” section was calculated based on the assumption that you will make every payment on the date it is dueShould you have any further questions or require additional assistance, please feel free to contact GM Financial 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
As outlined in your Lease agreement, you are responsible for Excess Wear and Tear and Excess Mileage charges as described within the LeaseTotal
termination charges are calculated after the Lease Termination Inspection is done to the vehicle
As a courtesy, GM Financial waived the Wear and Tear of $for the Lease of another GM vehicle
Should you have any additional questions regarding this matter please feel free to contact the Lease Loss Recovery Department at ###-###-####
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because:I was never notified in writing that I had a past due balanceEach month, I am mailed a paper statement and on it the only thing showing due was a $feeI have copies of my monthly paper statements that reflect this is the only past due charge If I indeed owed a month past due, why was the $never added to my monthly statements? I was NEVER informed in writing, via mail or email, that there was a past due amount or accumulating late fees. Additionally, I NEVER received a phone call, nor did I speak to anyone on the phone regarding suchI do receive numerous calls with generic messages to call back numbers, but if an institution does not leave the name of the company they work for I am not returning calls because there are too many scams by phone. This being said, since I have never been previously notified by mail in WRITING of the past due or late fees, I am requesting you to waive the late chargesI will pay the past due monthly fee of $that is owed.
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11592893, and have determined that this does not resolve my dispute
I do not feel comfortable providing my social security or account numbers over the internetWith the information I have already provided, they should be able to find my account.Regards, *** ***

I greatly appreciate your review into this matter and yes the research did conclude they did adhere to the policyHowever, my request for review was not to see if policy was followed, but to show how the word choice provided set an expectation that no issues should have prevented the deferment to become availableSince they are subject to management approval, I was asking if this can be done as a courtesy in the eyes of customer serviceThe contract nor the policy were ever in questionYour response was aimed towards the adherence to policy and not the wording of the conversation and how it could have led to false hopesThank you

July 13,
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 August 18, 2014, you signed a Retail Installment Sale Contract (“Contract”) for the purchase of a Chevrolet Cruze in the amount of $16,at an interest rate of 18.00%The contract is a simple interest contract which means interest accrues daily on the unpaid principal balance
On May 31, 2018, the vehicle was involved in an accident and was subsequently declared a total loss by Go Auto Insurance (“Go Auto”)On June 28, 2018, GM Financial received a payment from Go Auto in the amount of $5,The GAP proceeds in the amount of $2,were received on July 6, As per your contract, the payments were applied to the balance of your account effective May 31, 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 any other amounts you owe under this contract in any order we chooseInsurance proceeds will only be applied to the principal balance of the accountThe insurance proceeds received from Go Auto and GAP have been applied to your account balance and were not enough to pay the amount you owe
Please be aware, GM Financial suppressed credit bureau reporting temporarily during a recent system enhancementOn July 13, 2018, GM Financial submitted an update to the credit reporting agencies regarding the current status and balance of your accountPlease allow the credit bureau reporting agencies up to days to accept and process the updatePlease be aware that any disputes submitted through the credit bureaus prior to these changes may cause the credit agencies to void the update submitted by GM Financial
I have included a copy of your account payment history for your reviewYou may contact our total loss department directly at ###-###-#### to make arrangements on your remaining account balance
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because: The point is that the policy of holding perfectly verified and good funds for days is unacceptable. Having me contact a huge company in order to get the front and back copy of a check that GM Finance received and deposited is a stalling tactic. GM already has the front and back of the check. I'll write my congressman as this is a ridiculous and unfair business practice. The funds have been verified and cleared, and this is a way for GM to earn interest on my money
Regards,
*** ***

Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
GM Financial has not changed its position regarding the status of your accountWe have confirmed that the reinstatement funds have been applied appropriately and no adjustments are needed to your account payment history
We apologize for the poor level of service you feel you have received Please be assured that GM Financial gives customer service a high priority and is totally committed to achieving excellence
Should you have any additional questions regarding this matter, please feel free to contact GM Financial directly at ###-###-####
Sincerely,
GM Financial

I have paid this company more than enough in service fees to satisfy the contractIt is an attempt by this company to take advantage of the poor and I will give them no more moneyAre they willing to work with me or not?*** ***

I am rejecting this response because I have the information that proves they are wrong and that we had nothing to do with this company nor did they have absolutely no business involvements with usTherefore they need to stop lying to the credit report businesses and take their business name and what they fraudulently wrote in our credit reports OUT OF THERE permanently I have the papers which state we had never been involved with GM FinancialWe were done paying our car loan off when they came inThe information they have is inaccurateWhat we have is very much accurate and I am NOT letting this gYou retract yourselves right out of our credit reports..or you will answer to someone in a court of law.

October 3, RE: Complaint ID: *** *** *** Dear Mr***:
Thank you for forwarding the correspondence sent to the Revdex.comWe have reviewed your concerns and would like to offer you the following information Please note that on September 26, the release of lien was mailed via FedEx overnightThe tracking number for this transaction is ***Per the FedEx website, your title was delivered on September 28, at 9:58am We would like to sincerely apologize for the inconvenience GM Financial caused youPlease be assured that we give customer service a high priority and is totally committed to achieving excellence If you have any additional questions or concerns, please contact me directly at *** Sincerely, GM Financial Tell us why here

December 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
Please be advised the
remaining balance of your GM Financial Lease account has been waived
Please be assured that GM Financial gives customer service a high priority and is totally committed to achieving excellenceWe appreciate you bringing this matter to our attention and apologize for any inconvenience this has caused
Should you have any further questions or require additional assistance regarding this matter, please feel free to contact GM Financial Lease Customer Service directly at *** ***
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because: it was never days past due based on the insurance payment being sent to you.
Regards,
*** ***

February 8,
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 March 18, 2014,
you signed a Retail Installment Sale Contract (“Contract”) for the Buick Verano in the amount of $19,at an interest rate of 10.90%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning May 2, The contract is a simple interest contract which means interest accrues daily on the unpaid principal balance
Please be advised, GM Financial cannot provide you with the vehicle title until the account balance has been satisfied
I have included a copy of your contract for your reviewIf you have any further questions or are in need of additional assistance regarding this matter, please contact GM Financial at 1-***
Sincerely,
GM Financial

May 30,
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 check in the amount
$2,785.64, has been located*** *** sent the check with an incorrect VIN, causing the check to post to a different accountA request was submitted to release the funds to your account and should be posted by June 1, 2018, effective the original date received
We apologize for any inconvenience you have experiencedShould you have any further questions or require additional assistance, please feel free to 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. GM Financial’s position regarding this matter has not changedPlease understand that how much you will owe over the life of this loan is completely dependent on how you’ve paid the account; and as a result of your account payment history, the actual amount you will pay is more than the amount reflected as the Total Sale Price shown in the Truth-In-Lending DisclosuresFinance Charges have been assessed as per your Contract and are within the maximum amounts permitted for this sale by state or federal lawExplanation of this type of interest accrual has been provided to you on more than one occasion in writing and over the phone throughout the life of your loan. Should you have any further questions or require additional assistance, please contact GM Financial at ###-###-####. Sincerely,GM Financial

The poor customer service is still inappropriate and the lack of respect given to customers will make sure you are not referred to othersHow you handle the situation is what counts and this was handled poorlyI understand the contract but the contract should not have to indicate that your customers deserve respect even if you have to deny them somethingBe professional at the very leastI will still be speaking with my military legal department because no veteran should be treated so poorly

Complaint: ***I am rejecting this response because:I have received a letter of Leon release via FedEx this morningI have not however received the check for the balance of the payoff.Regards,*** ***