GM Financial

May 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
In an effort to resolve this
matter, GM Financial has processed a waiver for the remaining balanceYour account now reflects a zero balanceWe apologize for any inconvenience you have experienced as a result of this situationPlease be assured that GM Financial gives customer service a high priority and is totally committed to achieving excellenceShould you have any further questions or require additional assistance, please feel free to contact GM Financial at ***
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because: We are not comfortable with disclosing personal information to GM Financial In the past GM Financial has sent us falsified records, forged documents, and harassed us for an alleged debt owed without evidence of its existenceWe do not feel safe giving that information to GM Financial.
Regards,
*** *** *** ***

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 has not changed its position regarding this matter and feels that we have provided you with sufficient information reflecting the application of your monthly installment payments and interest accrual during periods of deferred installment paymentsPlease review the Account Payment History previously provided to you. Should you have any further questions or require additional assistance, please contact Customer Service at ***. Sincerely,GM Financial

Complaint: ***
I am rejecting this response because: This response does not address any of my concerns in my complaint. I am well aware of the contract I signed when we purchased our car in 2009. My complaint was that the contract was not clear at the time of purchaseWe feel like we have been taken advantage of because of our credit history. I appreciate the explanation regarding the simple interest loan provided eight years later. Also, in regards to the eight deferments payments, in my complaint I explained that we had financial difficulties and that we were offered payment extensions. My complaint against this company is that they did not explain the details of these extensions AND if this was to help us, why did they allow us to do it eight times? This company is not helping customers I am filing this complaint so that this Bureau investigates the actions of this company and how it does business when it comes to individuals with a low credit history? I have my statements that show payments were made by the due date asked. My complaint specifically states that the statements provided by this company are misleading and confusing. I also stated that I have requested the total principal paid and the total interest plaid to this company and have not been provided this information. The only response provided by this company is providing me with information I already know and are not providing the information I have asked for. I have also mentioned that I had to sign an Installment Agreement with no date? The first statements received after this had no amount or due date on them, however, I was making payments the entire time. This company has not provided an answer to any of my questions and have only used this opportunity to publish my negative history which I am well aware of. It has been a tough eight years, I am not denying that, but still I think we should be treated fairly and without discrimination. Lastly, since the last correspondence, I have not received anything by mail. I have my statements from the past year and will gladly provide them to this Bureau. I do not wish for GM Financial to send me detail payment history. They have already sent me what they call a detailed summary and I could not understand any of it. I even looked into legal advice and they could not understand the paperwork provided to me. I have contacted this Bureau to investigate this company and how it has taken advantage of us and how it does not explain loan extensions and details clearly to their customers, they do not provide information requested by the customers in regards to principal and interest payments, statements are not clear and are misleading and this company has customers sign agreements with no dates. This is my request. I do not need this company to give me a break down of the loan I have had with them for the past eight yearsI would like them to just explain the specific items I have asked.
Regards,
*** *** ***

December 13,
Re: Complaint ID: *** *** ***
Dear Ms***,
Thank you for forwarding the additional correspondence
Please be advised that GM Financial has not changed our position regarding the account
Thank you for your time and insight regarding your experience with GM Financial
Sincerely,
GM Financial

February 14,
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 requiredIf you are unable to provide this information, please contact GM Financial at ###-###-####
Sincerely,
GM Financial

April 12,
*** *** ***
*** ***
Dear Ms***,
Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
Due to a recent enhancement,
an issue was identified Consistent with our obligation to report only accurate information, GM Financial has suppressed reporting while remediation efforts are ongoing Based on your inquiry, we submitted an update to the credit reporting agencies regarding the current status of your account Please allow the credit bureau reporting agencies 30-days to reflect these updatesWe apologize for any inconvenience this has caused and appreciate your patience
If you have any additional questions regarding this matter please feel free to contact GM Financial at ###-###-####
Sincerely,
GM Financial

August 21, RE: Complaint ID: *** *** *** Dear Mr***: 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

Complaint: ***
I am rejecting this response because: it does not state anything reaching a resolution, just a description of you guys thinking I havent paid any of your late fees which I have, check your records for the manual payments
Regards,
*** ***

May 23,
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 September 22, 2015, you entered
into a Retail Installment Sale Contract (“Contract”) with Steward Chevrolet Cadillac for the Kia Sportage in the amount of $18,at an interest rate of 15.59%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning November 5,
On May 17, 2017, the decision was made to repossess the vehicle, as allowed by the contractAt this time the account was days past dueReview of your account reflects that you made a payment on May 22, and the repossession order was closedI would like to apologize for the poor level of service you feel that you have receivedPlease be assured that GM Financial gives customer service a high priority and is totally committed to achieving excellence
We are aware of your bankruptcy filing and\or dischargeThis letter in not an attempt to make demand upon you personally and does not require you to make payment to GM FinancialThe letter is sent simply per your request for informationI have included a copy of your contract and payment history for your reviewIf you have any further questions or require additional assistance, please feel free to contact GM Financial at ***
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because: I no longer owned the car and they knew I had traded it inSo they must remove the incorrect information from our credit reportsIt is not my fault the payment was late
Regards,
*** ***

May 4,
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, GM Financial submitted an update and forwarded the proper documentation to all three major credit bureaus on May 4, 2018, to reflect the current account statusPlease 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 understand that GM Financial is both by law and by contract required to report truthful and accurate information to the credit 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
Should you have any further questions or require additional assistance please 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.Our position regarding this matter has not changedOur research concludes that the account status and account payment history have been reported to the credit bureau reporting agencies with accuracy; and as a result, GM Financial is unable to make any changes or deletions to the credit bureau reporting of your account.Included for your review are additional copies of the Welcome Packet mailed to your address of record on October 2, and the deferment agreement you acknowledged online on June 25, as part of the deferments processed at your request for the installment due dates of June and July Outside of your contract, these documents also provided you with an explanation of the type of contract you entered into with this vehicle purchase.Should you have any further questions or require additional assistance, please feel free to contact GM Financial at 1(800)284-2271.Sincerely,GM Financial

February 27,
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

Complaint: ***
I am rejecting this response because:
I am rejecting this response because: If you looked into my file you will notice that myself and *** from PSECU have stated that the notarized letter that was sent to me was not acceptable to the Department of TransportationThey claim that the money was never received and that just providing the tax number is not proof that the money was sentThat is why I am asking you to provide the cheque number or another form of proof that my tax money was paid to the stateIf the money was sent to the state, it should be no problem proving that it was in a different form other than the letter and the numbers you provided. As for calling your tax department with questions, that is a waste of my timeI have talked to the tax department, escalations department, mangers and others to resolve this issueThe call always ends in "we will phone you back with an answer" and they never doExtremely poor customer service. At this point I am absolutely disgusted with your companyHow many times do I need to request a different form of proof?
Regards,
*** ***

October 27,
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 July 27, 2015, you and *** *** entered into a Retail Lease Agreement (“Contract”) for a GMC TerrainWithin the agreement, you agreed to a month lease term with a monthly payment in the amount of $per month, due on the 27th day of each month
Although you have advised GM Financial that through divorce proceedings Mr*** was awarded the responsibility for this lease, the contractual obligation still remains for all parties who entered into the contract
In order to have removed your liability, prior to the maturity of the lease, the party intending to assume sole responsibility would have needed to contact the dealership who originated the lease and have had to apply for the lease in their name onlyPlease understand that this would be the same process as when the lease was initiated in 2015, including credit approval
Should you have any further questions or require additional assistance, please feel free to contact GM Financial at ###-###-####
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because:
My problem with this is the fact I was unaware of what happens with leftover interest at the end of a loanThey are counting me late for something that hadn't even been established yetMy regular payment was $They are listing a late payment in the amount of $It appears on my credit that I couldn't even make the payment on time of $My payment was $for the entire length of this loanFor the past year I was never lateTrying to establish my creditThe new loan was not even established at the time they are saying the $was lateSo how can they claim at that time $was late when we hadn't even made that new payment agreement All of this is totally wrong. If they wanted to report me late on the 4th it should be reported that I was late in the amount of $2,or whatever the full amount they say I should payNot $that wasn't even establishedThis needs removed I know I'm speaking for someone else but even the finance officer at *** *** agreed this is not rightHe even said GM Financial does some shady thingsI hope this can put a stop to them doing this to others as wellThank you so much.
Regards,
*** ***

June 28,
Re: Complaint ID: ***
*** E***
Dear Mr***,
Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information
After review of the
account, per the Wisconsin Department of Transportation, there is record of trying to title the vehicle on March 7, Wisconsin is showing AmeriCredit as the lienholderAs of June 27, 2018, GM Financial issued another release of lien to the address provided of West Congressional Way Florence, AZ Per the Ohio online record, there is no lienholder listed and a paper title was issued on June 6, with no lienholder
GM Financial is unable to honor your request to provide monetary compensationShould you have any further 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 ***, and find that this resolution is satisfactory to me
I will add that GM Financial really needs to re-evaluate their process and policies with refunding people money that is owed to customers It shouldn’t require over a dozen phone calls, a Revdex.com complaint and over a month of waiting for a refund, especially when the money was pulled from a checking account AFTER the loan was already paid off No other financial institution has been this difficult to work with as GM Financial I will never consider another GM product in the future nor will I ever consider GM Financial for financing ever again When looking to see how a company should NOT conduct business, look no further than GM Financial.
Regards,
*** ***

November 6,
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