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,
*** ***Account # *** ***Chevy Tahoe *** *** *** ** ** *** ** ***

Thank you for the response but unfortunately GM Financial has not reported truthful or accurate information to the credit agencies I have provided an accurate timeline in my previous response and have not been given any information on why my confirmed recurring payment was cancelled and why I was not informed of this in order to correct the mistake made by GM Financial Based on GM Financials statement and by several customer service representatives at GM Financial there was a mistake made that cancelled recurring payments If it was not your mistake, then why were my late fees waived? I was never charged a late fee and set up a recurring payment for a second time as soon as I knew my payments were not going through I was assured several times before this that the recurring payment problem was resolved but obviously this was not the case It was clear that I made several attempts to make sure my payments were set up correctly but there was miscommunication with GM customer service representatives and some internal problems with the system

Complaint: ***
I am rejecting this response because:This is obviously a generic, automatic & pat reply by GM Financial; without a person actually opening the complaint. The information you require is already listed in the Revdex.com complaint under the "complaint background" section. Additionally, the GM Financial addresses copied on this message have also spoken to me (and/or the dealership who purchased my car) directly; as well as received e-mails with all the documentation of proof required to resolve this matter. Please do you job, open up the complaint and read the complaint in full. Please respond to the "Desire/resolution/outcome" section ASAP. Stop wasting my time and making me work so hard for GM Financial's laziness, mistakes and poor processes.
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***They act like they cant pull up my info without the account number or social but I see for NOW they've stopped callingAcct # ***Now never call me again!
Regards,
*** ***

May 31,
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
Your GM Financial account reflects that you have a simple interest loanThis means interest accrues daily on the unpaid principal balanceIn review of the account activity and payment history, more of your monthly payments were applied to accrued interest due to payments being made after the scheduled due date which resulted in the unpaid principal balance that remains today If all payments are paid by the due date, the account would have been paid in full on the contract maturity date
Please be advised, we have emailed a copy of your payment history that was generated on May 23, 2018, to your yahoo email address for your reviewAny payments posted to your account after this date will not be reflected in this payment history
We appreciate you bringing this matter to our attention and apologize for the poor level of service you feel you have receivedPlease be assured that GM Financial gives customer service a high priority and is totally committed to achieving excellence Should you have any further questions or require additional assistance, please feel free to contact GM Financial at ###-###-####
Sincerely,
GM Financial

March 22,
Re: Complaint ID: *** *** ***
Dear Mr***,
Thank you for the 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

After my initial Revdex.com complaint, GM financial removed the negative report on my credit reportThen, on March 31st, a new negative report appeared stating that I was no more than two payments behind on my accountI have already provided GM Financial with documentation proving I was not responsible for the late payment and the lease in question ended in NovemberI contacted GM Financial and was told by the customer service representative that I could not be transferred to the group responsible for credit reporting and that, in fact, she was also not allowed to contact themSo, I would like to re-open my complaintPlease let me know if you need any additional from me

March 21,
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
A review of your account indicates that you enrolled for the Automatic Payment Plan (“ACH”) on January 18, and would be effective with your lease payment due on February 28, Please note, due to the Automatic Payment Plan that was set up, statements were not sent out
As of January of 2018, this information is now available to you on your My Account profileIncluded is a copy of your payment history for your review
Should you have any further questions or require additional assistance please contact GM Financial at ###-###-####
Sincerely,
GM Financial

January 17,
Re: Complaint ID: ***
*** ***
Dear Ms***,
Thank you for the 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 full GM Financial account number or social security numberUpon receipt of this information I will research this matter
Sincerely,
GM Financial

March 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
Enclosed is a copy of the Retail Installment Contract (“Contract”), a copy of the credit applicationThese documents are sufficient to validate your obligation for this account and all the information that has been sent to any credit agencyWe have also included a copy of the payment history for your review
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 accuracyAs a result, we are unable to make any changes or deletions
If you are the victim of identity theft regarding a GM Financial account and wish to request an investigation, the claim must be submitted in writing and mailed or faxed to GM FinancialEnclosed, please find a copy of the GM Financial Fraud Investigation Process, Investigation Request Form, and ID Theft AffidavitPlease remit the completed forms and required documents as per the instructions and an investigation will be conducted
Should you have any additional facts relevant to the investigation regarding identity theft, please fax the information in to ***, mail documents to the address below
If you have any further questions or require additional assistance, please feel free to contact GM Financial at ***
GM Financial
*** *** ***
*** ***
*** *** ** ***
Sincerely,
GM Financial

August 29, RE: Complaint ID: *** *** *** Dear Ms***: Thank you for
forwarding the correspondence sent to the Revdex.comI would like an opportunity to address your concerns, however more information is requiredAt your earliest convenience, please forward me your full account number or social security numberUpon receipt of this information I will research this matter Sincerely, GM Financial Tell us why here

I have reviewed the response made by the business in reference to complaint ID ***. Despite them not addressing all of my concerns, I find that this resolution is satisfactory to me

PLEASE ADVISE WHERE I CAN DELIVER THE CAR!! I DO NOT WANT IT !

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 management has approved your request to add your name to the title of the Chevrolet CruzePlease contact GM Financial
directly to provide the contact information and address of the West Virginia Department of Motor Vehicle (“DMV”) office location you will be usingOnce GM Financial sends the DMV office the letter of permission and title, you will need to go to the DMV to complete the process.Please contact Customer Service at ###-###-#### to provide the pertinent information.Sincerely,GM Financial

September 1,
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
GM Financial
employees were not present at Van Horn Hyundai (“Dealer”) during the signing of the contract and GM Financial was not an original contracting party in any agreements between the two parties
A payment in the amount of $was received on August 15, for the Gap refundOur records do not reflect that you were informed by GM Financial that the Gap refund will be applied towards the monthly paymentsPlease understand that all ancillary product refunds are applied to the principal balance
GM Financial is unable to honor your request to apply the refund towards your monthly payments
Should you have any further questions or require additional assistance, please feel free to contact Customer Service at ###-###-####
Sincerely,
GM Financial

March 16,
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 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
Should you have any further questions or require additional assistance, please feel free to contact Customer Service at ***
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

February 21,
Re: Complaint ID: *** *** ***
Dear Ms***,
Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information
An update was submitted to the credit bureau reporting agencies on February 21, to reflect the current account status and the date last paidPlease 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 in regards to this matter, please contact GM Financial at (***) ***-***
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because: This "resolution" was organized by me after my 10th phone call to GM FinancialA very nice young lady FINALLY assisted me with getting the check reissued after a phone call on March 7th. While I ultimately got the return of the money I asked for this "solution" only addresses a small portion of my complaint. What was not addressed is the fact that I had to wait full days after this company received an excess in pay to get my money returned to me. In addition, the most important factor, is how many times I had to call in and how many HOURS I spent on the phone just to get a resolution. The people who talked to me or claimed would send an email because there was "nothing that could be done" will continue to be able to treat other customers this way. In addition, even AFTER a complaint to the Revdex.com nothing was done to assist my problem other than "looking into my account". The first check was supposed to be mailed to me at the beginning of February and I'm receiving it March 12th. This company and it's representatives should be ashamed of themselves to treat customers this wayI will NEVER do business with this company again and will continue to write public reviews warning others to do the same. I have nothing more to say here in regards to this matter.
Regards,
*** ***

I will be filing a complaint with the Consumer Financial Protection Bureau because this indeed is an example of what happens in subprime lending (which GM Financial was already in trouble with them in 2014)A direct quote "It appears that these investigations, which include potential criminal enforcement, are looking into whether these lenders are securitizing and packaging loans for sale to investors without ensuring the quality of loans or fully disclosing their risks." I was not fully aware of everything

September 6, 2017 RE: Complaint ID: *** *** *** Dear Ms***: Thank you for forwarding the additional correspondenceWe have reviewed your concerns and would like to offer you the following information On July 10, 2017, you signed a Retail Installment Sales Contract (“Contract”) for the Buick Encore in the amount of $22,at an interest rate of 5.99%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning August 24, The contract is a simple interest contract which means interest accrues daily on the unpaid principal balance. Please refer to your signed contract under the section entitled FINANCE CHARGE AND PAYMENTS; section a through eThese sections outline how interest is figured based on using the true daily earnings method, how your payments are applied and how late or early payments change what you must payYou may also refer to your billing statement under Payoff Information as stated: The current balance shown on the front of the statement may not necessarily be your payoff amount because of possible activity on your account such as payments, adjustments, finance charge accurals, etcIt also states to call Customer Service for an accurate payoffAs per our records, they do not indicate that a call was made requesting a full payoff amount As of date, your total payoff is $and is good through September 15, Please note that daily interest will continue to accrue as long as there is an outstanding balance A detailed payment history and a copy of your Contract have been mailed to the address on file Please feel free to contact our office at 1-***-***-*** should you have further questions or require additional assistance Sincerely,GM Financial