GM Financial

Thank you for the correspondence sent to the Revdex.comGM Financial has reviewed your concerns and would like to provide the following information
On November 7, 2012, you signed a Retail Installment Sale Contract (“Contract”) for the purchase of a Chevrolet Sonic in the
amount of $23,at an interest rate of 11.90%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning on January 1,
Please note that GM Financial places a high priority on adhering to all state and federal lawsThe state of Tennessee does not require cure notices to be sent prior to submitting the account for repossessionOn December 2, 2015, 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 lawsThe “Notice of Right to Redeem or Reinstate” and the “Notice of Our Plan to Sell Property” were mailed to your address of record on December 9, In accordance with the applicable law, the statutory notice provided information about how and when to secure any personal property left in the vehicle
Our records reflect that numerous efforts were made to contact you in regard to reinstating the vehicleFurther review of the account shows on December 8, 2015, GM Financial was notified by you that you did not intend to reinstate the unit
As outlined on page of your contract, if you choose not to redeem the unit, the Chevrolet Sonic will be sold at auctionUpon the sale of the vehicle, we will apply the money from the sale to the amount you owe after subtracting allowed expensesIf the money from the sale is not enough to pay the amount you owe, you must pay the remaining amount to GM Financial unless the law provides otherwise
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
Included for your review are copies of your contract, and account payment historyShould you have further questions or elect to reinstate the vehicle, please contact GM Financial at ###-###-####
Sincerely,
GM Financial

Here is the information requestedaccount #: ***last of SSN: ***address: ** *** ** *** ** ***make/model of vehicle: Chevy Malibu 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 August 10, 2007, you signed a retail installment sales contract for a Chevrolet MalibuWithin the agreement, you promised to
pay the amount financed of $10,and a finance charge of $5603.90, which resulted in a total of payments of $15,705.60, if all payments are made on the due dateIt is important to understand that this Contract is a “simple interest” contract in which interest is accrued dailyBy 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 18.95% in installments of $
In review of your account activity and payment history additional interest accrued over the life of the loan due to payments being made after the scheduled due date and deferments that were processed at your requestThroughout the time the account was active; deferments were processed for the months of April and May of 2008, May and June of 2009, May and June of and April and May of The account has also been paid past the installment due date on numerous occasionsIt is important to understand that when payments are paid late or deferred, interest will continue to accrue on the unpaid principal balance
Our records reflect that the account matured on April 10, On this date a maturity letter was sent to the address of record advising you that the final balance had become due in full Additional review of our records indicates that GM Financial had verbal contact with you on April 9, and that the representative made you aware of the remaining balance at that timePayment arrangements were made to pay four installments of $monthly beginning May of with the final payment due in August of Our records reflect that only two payments of $were received on May 23, and June 25, These two payments did not complete the GM Financial approved arrangement
Please note a review of your account reflects that your loan charged off on August 30, GM Financial attempted to reach you regarding the status of the account and upon charge off regarding the deficiency balance remaining
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
Please be advised GM Financial is unable to release the title as a deficiency balance still remains on the account
Included for your review is a copy of your contractPlease note a copy of your account payment history is being mailed to your address of recordShould you have any further questions or require additional assistance with regard to this matter, please contact GM Financials Loss Recovery department at ###-###-####
Sincerely,
GM Financial

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

September 6,
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 full GM Financial account number or social security numberUpon receipt of this information I will research this matter
Sincerely,
GM Financial

June 14,
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 me your account number, last four digits of your social security number, mailing address, along with the make/model of the vehicle Upon receipt of this information we will research this matter
Sincerely,
GM Financial

February 7,
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 April 22, 2016, GM Financial received an application for credit submitted at Bel Air NissanYou have indicated that you are disputing the inquiries as unauthorized; and as a result, GM Financial has requested that the appropriate credit reporting agencies remove the GM Financial inquiry from your credit reportIn the event that the credit bureau reporting agencies are unable to delete the inquiry, we have asked that at a minimum that they convert the hard inquiry to a soft inquiryPlease be advised that it can take the credit reporting agencies four to six weeks to update your credit report
Copy of the Inquiry Removal letter has been included for your reviewShould you have any further questions contact Customer Service at ***
Sincerely,
GM Financial

January 9,
RE: Complaint ID: ***
*** ***
Dear Ms***,
Thank you for the additional 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

August 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
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
Please be advised the mileage exceeded by miles at $per mile, for a total of $plus taxGM Financial is unable to honor your request to waive the remaining Excess Miles, as it is non-negotiableAs of the date of this letter a deficiency balance is still owed on the Lease in the amount of $Our records reflect that the final bill was sent to the address on file on August 7,
A copy of the final bill is included for you reviewShould you have any additional questions regarding this matter please feel free to contact Lease Customer Service at ***
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 provide the following information
We apologize for the inconvenience you have experienced
recently when trying to access your online account profileWe are working diligently to resolve this issue and will contact you directly when access has been restoredWe apologize for any inconvenience this has caused and appreciate your patience while we resolve this matter
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
Should you have any further questions or require additional assistance in regards to this matter, please contact GM Financial at (***) ***-***
Sincerely,
GM Financial

Complaint: ***
Good morning, I received an email stating that I would receive a tracking number Within 24-hours on 02/21/and it has been way passed that time frame and I still haven’t received anything
Regards,
***

Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information. Please understand that copies of deferment agreements are not a type of document that is normally requested as customers either maintain the e-mailed version or print copies of the document for their recordsApproval from upper management in several departments had to be obtained, prior to the issuance of copies via regular mail on May 23, Please allow 7-business days to receive the copies of the documents mentioned in our previous response. Please also understand how much you pay over the life of this loan is entirely dependent on how you’ve paid the monthly installmentsThe Total Sale Price shown in the Truth In Lending Disclosures assumes that all payments will be made as scheduledA review of your account payment history indicates that quite a few payments were paid significantly late and that you deferred monthly installments within the first year of your loan when the daily amount of interest was highest. Although you have paid installments of $465.66, a principal balance of $3,still remains due to additional interest assessed and paid over the life of the loan as a direct result of the account payment history of your accountYour loan matures on August 15, Interest still continues to accrue on a daily basis on the unpaid portion of the Amount Financed (principal balance) and once the maturity date expires, the remaining balance becomes due in fullThe account payment history mailed on May 23, provides the complete breakdown of each of your monthly installment payments. The payoff for your account is currently $3,and is good through June 6, 2016, ten days from today’s dateThis amount is comprised of:NET PAYOFF: $3,PRINCIPAL AMOUNT: $3,INTEREST DUE: $53.85The current daily interest amount is $2.24. Should you have any further questions or require additional assistance, please contact Customer Service at ***. Sincerely,GM Financial

I received a check today from GM financial and I believe it came in yesterdayGM financial is really annoying and that office ought to be closed down for goodI’m really tired of their delay tactic GM is playing with meThis company issued a check with my ex-husband name on it when they knew we have been divorced, my ex-husband never paid for my vehicle and all the payments have been coming to them from my account and even the bank verification I faxed to GM was my account with only my name on it and even the billing statement has been my name onlyDid they see my ex-husband name from the account the money came from? I’m returning back the check with next day delivery to be corrected because my ex- husband and I were not making the car paymentI have not been with my ex-husband since Thank you

April 4,
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
A refund has been requested
and completedCheck number ***, in the amount of $was sent to the address of record on March 23, Our records reflect that the check was reconciled on April 2,
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 concerns regarding this matter, please feel free to contact GM Financial at ###-###-####
Sincerely,
GM Financial

October 4,
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
Our records reflect that the payment in question was applied to your lease accountAs of the date of this letter, there is no payment due on the account until October 11, for the monthly base rent payment
Should you have any further questions or require additional assistance, please feel free to contact GM Financial Customer Service at ***
Sincerely,
GM Financial

Revdex.com:May account number for gmfinancial is this: ***
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Regards,
*** ***

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,
*** ***Hi My account number is *** I spoke with *** in the loss department in December of and was told that everything was paid off and I would probably get a refund of two payments which would have been around I received nothing but a bill months later for This is wrongHow can a company do this? Please let me know if yo will make this right or do I have to hire an attorney?thank you *** ***

Complaint: ***
I want it to be clear that my issue does not have to do with your response regarding "inaccessibility" to my accountMy problem with GM Financial is that you accepted and cashed a payout check without bothering to link it to my accountMy problem with GM Financial is that when I interacted with staff, I was either told the problem was with my insurance carrier who issued the check (and to contact them about it) or, after it was clear GM Financial was the one who was wrong after I produced the cleared check, to simply waitI was dismissed at every pointI was not given a time period as to when my account would be correctedIn other words, I don't accept your response regarding "advance notifications regarding inaccessibility" being sent to meINACCESSIBILITY HAS NOTHING TO DO WITH IMPROPER RECORD KEEPING OF MY ACCOUNTHow dare you even suggest that it was MY oversight that led to this problemI, and anyone with common sense, knows GM Financial is fully to blame. I checked my account this morning on 1/31/It is showing my "next payment due" date of 2/26/- amount: $I want this corrected and it must show that there are no additional payment due datesI will continuously reject responses until this is correctedMy time has been wasted dealing with incompetence, so now I demand that my account reflect correctly.
*** ***

Complaint: ***
I am rejecting this response because:As I stated in my first rejection, despite what the author of the email claims, I was able to handle this issue with absolutely no concern on the part of the GM Financial people I spoke with regarding my my name not being on the lease agreementClearly there is something wrong with the business practices of GM Financial regarding these types of issues, or some re-training needs to occurSimply restating that you can not share any information with me regarding this lease account because I'm not listed on it is ridiculous, and a clear indication that you didn't even read my last responseThere simply is no need for you to continue to inform me of a business practice your people clearly don't adhere toNo matter what canned response you send me is going to excuse the fact that GM Financial took over a month to return my extra payment.
Regards,
*** ***

October 20,
RE: Complaint ID: ***
*** ** ***
Dear Ms***,
Thank you for the additional 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