GM Financial

Revdex.com:
I am providing the information requested by GM Financial.Acct# ***Last 4-digits SS ***Address: *** *** *** *** ** *** ** ***Make/Model: MB GLK
Regards,
*** ***

Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
On July 18, 2015, you signed a retail installment sales contract for a Chevrolet Camaro in the amount of $24,at an
interest rate of 3.00%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning September 1,
Please note that GM Financial places a high priority on adhering to all state and federal lawsThe state of Arkansas does not require cure notices to be sent prior to submitting the account for repossessionOn January 21, 2016, 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 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 laws
A review of your account reflects that billing statements beginning with the statement dated November 11, reflected a past due balance owedPer your telephone conversation with Christine on January 16, 2016, you confirmed all billing statements were received Please be advised numerous calls were made to all authorized numbers on the account between December 14, and January 23, 2016, in an attempt to discuss the status of the account prior to the repossessionOur records further reflect that contact was made with *** *** Jron December 14, and that he was made aware of the status of the account
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 the 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 his account
Copies of your Contract and all billing statements have been included for your reviewIf you have any further questions or are in need of additional assistance regarding this matter, please contact GM Financial directly at 1-800-284-
Sincerely,
GM Financial

February 15,
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
As stated in your contract (See Page 2, under
Standards for Wear and Use), you may be charged for excess wear and use at the end of the scheduled Lease termThe vehicle will not have road damage, chips, scratches, cracks or damage to the glass, body, bumpers, frame or interiorIt also states the vehicle must be returned with four matching tires of equal quality to the originals, and when the unit is returned each vehicle tire must have not less than 1/inch of tread remaining at its shallowest point
A review of your contract reflects that an Excess Wear and Tear policy was purchased at the time of the lease originationAs a result, GM Financial has requested an expedited claim from the Excess Wear and Tear coverage providerYou will not be responsible for the remaining balance wear and tear balanceGM Financial will contact you directly once the process is completed
We would like to apologize for any inconvenience you have experienced as a result of this situationIf you have any further questions or are in need of additional assistance regarding this matter, please contact GM Financial at 1-***-***-***
Sincerely,
GM Financial

June 21,
Re: Complaint ID: ***
*** N ***
Dear Ms***,
Thank you for the additional correspondence sent to the Revdex.comWe have reviewed your concerns and would like to offer the following information
On January 19, 2016, you entered into a Retail Installment Sale Contract (“Contract”) for the Chevrolet Malibu in the amount of $30, The contract terms you agreed upon, state the loan would be repaid in monthly installments in the amount of $per month, beginning March 04,
Within the contract, you agreed to pay us all you owe under the contract even if the vehicle is damaged, destroyed or missing Our records reflect, you were advised during previous telephone conversations and via the notice mailed to you on December 30, 2016, that you were still responsible for maintaining the monthly installment payments and were still subject to monthly credit bureau reporting until the account is paid in full
Our research concludes that the account status and payment history 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 credit bureau reporting of your account We have submitted an update to the credit reporting agencies regarding the current status of your account
Should you have any further questions or require additional assistance, please feel free to contact GM Financial at ###-###-####
Sincerely,
GM Financial

July 10,
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 that the Auto Pay will automatically deduct on the due date, even if a duplicate payment is madeOur records reflect that an additional payment was entered by you, via Western Union Speedpay online on May 5, in the amount of $that resulted in a duplicate payment for May of and put your account ahead
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 excellenceWe appreciate you bringing this matter to our attention and apologize for any inconvenience this has caused
If you have any further questions or are in need of additional assistance regarding this matter, please 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
Our records reflect that the account was settled in full on November 13, with MRS, a third party agencyPlease allow 30-days for this
information to update and reflect accordingly
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 credit bureau reporting
Should you have any further questions or require additional assistance with regard to this matter, please contact GM Financial directly at ###-###-####
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because: I still have not received any information that progress has been madeThe only thing I am being told is that there is no information or updateThis has been ongoing for days and is UNACCEPTABLE. I am entitled to a refund and my credit score is being affected every dayThat is horrible
Regards,
*** ***

March 9,
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 social security number and or account numberUpon receipt of this information I will research this matter
Sincerely,
GM Financial

July 18,
Re: Complaint ID: ***
*** J***
Dear Mr***,
Thank you for the correspondence sent to the Revdex.com We have reviewed your concerns and would like to offer the following information
Our records
reflect that the payoff in the amount of $10,was posted to your account on July 9, 2018, effective the original date it was received and reflects the account as paid in full
In order to ensure that the account history is reflected accurately, GM Financial submitted an update and forwarded the proper documentation to all three major credit bureaus on July 12, 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
We apologize for any inconvenience this situation may have causedShould you have any further questions or require additional assistance with regard to this matter, please contact Customer Service directly at ###-###-####
Sincerely,
GM Financial

The Kia Forte was purchased in when *** L*** and I were still married and remained in his possession in McAllen TexasThe divorce decree in clearly states he will keep possession of vehicle and the debt owed but I am primary signer on the vehicleDue to his unexpected hospitalization into intensive care unit, newly diagnosed terminal illness and uncertain prognosis in November, I requested a deferment for months of December and JanuaryPlease note that prior to this unexpected event payments have been made as promisedOn 03/12/2015, I made call to GM representative to notify them the reason for delay "3" days prior of day markI notified GM that my ex-husbands sister had just informed me that he would no longer be able to make payment as promised due to illnessI specifically told GM representative that day and made it absolutely clear that I did not want it to hit day mark and effect my credit, her immediate response to my comment was I will give you an "extension" When this was offered an "extension" by representative, it was my understanding that an "extension" meant I was granted time to pay car as agreed without account being reported late to the credit bureau I would have made the payment on 03/12/if GM representative would have explained to me that she would give me an "extension" but that it would still be reported to credit bureauWhen I spoke to another one of GM representatives on 03/19/ I notified her that car was appraised but that dealership but that they required me to be present which is a 4-hour drive from where I live therefore was going to leave work early on 03/20/2015, hand over check and car to dealership on 03/21/at which time she also granted me another "extension" until 03/23/The vehicle has been paid in full as promisedI have a copy of check dated 03/21/2015, confirmation of date submitted to GM 03/23/along with dealership appraisal that was performed on 03/16/Now I was notified by Equifax that payment was reported lateSince then I have spoken to of GM financial representatives and none of them are able to help me or even explain to me what an "extension" meansOne of GM supervisors (Mary Hernandez) apologized and stated that GM will use this as a teaching tool to educate GM representatives to explain what an "extension" meansAnother GM representative (Anthony) said it was my fault for "assuming" an extension meant they would not report account as late but not even he could explain to me what an "extension" meant I was mislead and due to failure of GM representatives to inform me that despite this so-called "extension" it would still be reported to credit bureau after day mark was hit therefore this has lowered my credit score and now will increase my interest rates in any future investments, loans, car loans etc. Furthermore, response for me to contact your "customer service" line has been done with no assistance at allI was given the run around and transferred over multiple times to different representatives with no resolutionI am once again requesting to remove negative late payment from credit bureau due to representation by GM representatives
Regards,

Your company has not reported truthfullyAll payments were sent on time but were not processed on timeI never received any phone calls or notices saying that the payments were not processedYou need to fix this report.

March 14,
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
On November 17, the
vehicle was involved in an accident and declared a total loss by *** *** InsuranceThe payoff that was quoted to the Insurance Company on December 5, was $11, On January 3, 2018, GM Financial received a payment from *** *** in the amount of $9,that was applied to the deficiency balanceAn additional payment in the amount of $1,from GAP was applied to the account on January 23,
GM Financial submitted an update and forwarded the proper documentation to all three major credit bureaus on March 9, 2018, to reflect the account with no credit marks and paid in fullPlease 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
Please note, a refund has been requested and completed A check in the amount of $was issued to the address of record on March 12, Please allow 7-business days to be received
Should you have any further questions or require additional assistance with regard to this matter, please contact Customer Service directly at ###-###-####
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because: Please see attached credit report informationI am attaching a report pulled by mortgage lender in September, and a report pulled by mortgage lender in OctoberNote the difference in GM Financial reportingThe October report is showing 90+ days late times In addition, it show Last Activity being 03/2017, meaning it will continue to affect my credit report longer than the year limit
Regards,
*** ***

October 31,
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 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 accuracyPlease note that GM Financial has responded to all credit bureau disputes accurately and in a timely mannerUnfortunately, we are unable to fulfill your request to make an adjustment to the credit bureau reporting
If you have any further questions or are in need of additional assistance regarding this matter, please contact GM Financial at ***
Sincerely,
GM Financial

June 21,
Re: Complaint ID: ***
*** ***
Dear *** ***,
Thank you for the correspondence sent to the Revdex.com We would like an opportunity to address your concerns; however, additional information is required
For verification purposes, please forward us your account number, social security number, mailing address, along with the year/make/model of the vehicle Upon receipt of this information we will research this matter
Sincerely,
GM Financial

August 1,
RE: Complaint ID: ***
*** ***
Dear Ms***:
Thank you for forwarding the additional correspondence sent to the Revdex.comWe have reviewed your concerns and would like to offer you the following information
On June 5, 2015, you signed a Retail Installment Sale Contract (“Contract”) for the Chevrolet Malibu in the amount of $25,at an interest rate of 9.90%Within the agreement, you agreed to a repay the loan in monthly installments in the amount of $per month, beginning July 20,
Please be advised upon repossession of the vehicle on October 29, 2015, it was sold at auction for $13,which was applied to the remaining balance of the accountGM Financial mailed you a Statement of Final Accounting Deficiency Calculation on December 15, which provided you a breakdown of what is owedWe also sent follow up letters with balance information once a payment was made and offering a settlement amount
Please be advised 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
Per your request, your current deficiency balance is $12,We have mailed you a copy of your payment history as well as the balance and settlement letters to the address we have on filePlease feel free to contact our office at *** if you have further questions or concerns
Sincerely,
GM Financial

Revdex.com: Thank you very much to the Revdex.com. I don't think this would have happened without your help
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Regards,
*** ***

January 29,
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
A review of our records does not reflect that your
account has been reported days delinquent to the credit bureau reporting agenciesIn order to ensure that the account history is reflected accurately, GM Financial has submitted a manual update and forwarded the proper documentation to all three major credit bureausThe bureaus generally reflect the updated information within 30-days, if an update was required
Please note the vehicle is currently pending sale, once complete a final bill will be sent to your address of record if a balance exists
Should you have any further questions or require additional assistance with regard to this matter, please contact GM Financials Lease Customer Service at (800) 369-
Sincerely,
GM Financial

June 13,
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 requiredFor
verification purposes, please reply with the account number and/or the last four digits of your social security number, along with the year, make, and model of the vehicleUpon receipt of this information I will research this matter
Sincerely,
GM Financial

July 24,
Re: Complaint ID: ***
** ** ***
Dear Mrs***,
Thank you for the additional correspondence sent to the Revdex.com We have reviewed your concerns and would like to offer the following information
In order to ensure that the account history is reflected accurately, GM Financial submitted an update and forwarded the proper documentation to all three major credit bureaus on July 23, 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
We apologize for any inconvenience this situation may have causedShould you have any further questions or concerns with regard to this matter, please contact GM Financial at ###-###-####
Sincerely,
GM Financial