GM Financial

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information.On July 11, 2015, you signed a Lease Agreement for a GMC AcadiaWithin the agreement, you agreed to a month lease term with a monthly
payment in the amount of $per month, due on the 10th day of each month.Our records reflect that you attempted to set up a recurring payment schedule online on August 12, 2015, but unfortunately the plan did not processOn September 4, 2015, you were notified of this information and were also advised that you would need to remit the payment yourselfAs a courtesy $in late fees were waivedAn ACH payment was made online using Western Union SpeedPay on the same dateOur records do not reflect that any further recurring payment schedules were attempted to be set up online.Our records further reflect that you spoke to GM Financial on October 20, regarding the past due rent payments for September and October of You did not remit a payment online for these payments until October 21, 2015, when the September rent payment was days past dueOn October 27, your account was set up on EFT to automatically withdraw your rent payments from your bank account beginning in December of 2015.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.Included for your review are copies of your Lease Agreement and Status of AccountShould you have any further questions or require additional assistance, please feel free to contact GM Financial at 1(800)369-5212.Sincerely,GM Financial

Complaint: ***
I am rejecting this response because:This response does not address how they will prevent this from happening again in the future. This is the fourth time I have had additional charges to my lease statement. The first time I called Texas myself to resolve, the second time the Customer Service Rep took care of it. These last times I had to go this far to resolve it. I want new plates for my vehicle in order to "disconnect" my vehicle from whoever's car it is in Texas that continues to incur these toll charges, at GM Financials expense
Regards,
*** ***

Complaint: ***
I am rejecting this response because:GM Financial was contacted SEVERAL times by the institution handling the sale of the vehicle and also by me. Why were we not told this was what was needed in order to complete the transaction???? Why was I not sent this form when I inquired how to go about selling my vehicle??? Why has it been almost months of waiting and finally a Revdex.com complaint in order to get this resolved? I have kept insurance on the vehicle for months WAITING on GM Financial to figure out how to transfer a title
Regards,
*** ***

The last of my social is ***The vehicle was a Chevy CruzeThe car was in my maiden name*** ***.

Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information.Our research concludes that the information previously provided to you is accuratePlease allow 30-days for the credit bureau reporting agencies to reflect the update sent on October 14, 2015.Should you have any further questions or require additional assistance, please feel free to contact GM Financial’s Bankruptcy Department 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
The complaint has not been resolved fully The vehicle has been returned and I just received the payment history a few days ago in the mail I still awaiting a response from GM Financial on the credit reporting and reimbursement of fees for their error
Regards,
*** ***

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 you have been approved for a deferment of the September 30, and October 30, installment due dates, upon
receipt of the $deferment feeOur records further indicate that you intend to pay this fee online on October 2, 2015.Should you have any further questions, please feel free to contact Customer Service 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
On April 5, you signed a retail installment sale contract for the Jeep Liberty in the amount of $19,at an
interest rate of 19.95%The contract is a simple interest contract which means interest accrues daily on the unpaid principal balanceIf all payments are paid by the due date, the account will be paid in full on the contract maturity date
It is important to understand that when payments are paid late or deferred, interest will continue to accrue on the unpaid principal balanceThe balance that remained on your account at the time of maturity was the direct result of the account payment history since the inception of the contractI have thoroughly reviewed your account payment historyThroughout the time your account has been active; eight extensions have been granted at your request for the months of May and June of 2010, February and March of 2011, October and November of 2011, and July and August of The account has also been past due on multiple occasions, including times over days past due and times over days past due
The unpaid principal balance remaining upon the maturity of the account in January of was rescheduled at your request for a term of months at $with no additional interest accrualPer the Final Installment Payment Agreement you signed on January 17, 2015, the monthly installments were to begin on February 10, with the new Final Installment Due Date of January 10, On May 21, 2015, you were quoted a payoff of $3,good through May 31, This amount included the remaining principal balance of $2,plus the late fee balance of $
Should you have any further questions regarding this matter, please feel free to contact Customer Service at ###-###-####
Sincerely,
GM FInancial

July 13,
Re: Complaint ID: ***
*** E***
Dear Mr***,
Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information
On August 3, 2011, you signed a Retail Installment Sales Contract for the Dodge Ram in the amount of $13,at an interest rate of 20.50%The contract terms you agreed upon, state the loan would be repaid in monthly installments in the amount of $per month, beginning September 17,
On June 28, 2018, the decision was made to place the vehicle out for repossession, as allowed by the contractThe 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
Our records indicate that we spoke to you on June 29, in regards to the status of your accountAt this time, the representative explained the amount needed in order to stop further repossession efforts; at which time no firm arrangements were made on the accountThe last payment on record prior to the repossession was made on June 28, in the amount of $100.00; at which payment was applied towards the April installment due date
Upon review of the account, our records reflect that the vehicle was repossessed on June 30, A “Notice of Right to Redeem or Reinstate” and the “Notice of Our Plan to Sell Property” were mailed to the address of record on July 5, These notices explained that you would be required to pay the difference between the amount you owed to GM Financial and the amount the vehicle sold for, plus expenses if you opted not to redeem/reinstate the vehicle
A copy of your account history has been requested and will be mailed to the address of recordShould you have any further questions or require additional assistance please contact GM Financial at ###-###-####
Sincerely,
GM Financial

February 16,
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
Please be advised that we received a payment in the amount of $on February 15, that applied towards your January of base rent payment, and a partial for February of paymentAs of the date of this letter, you have made out of monthly base rent payments and currently have a balance of $for your February of payment
Our records reflect that the June of payment was not received until July 8, We received two payments in February of that covered December and January 2016, however the account has been running past dueAs previously advised, a copy of the Account Payment History will be mailed to you separately
If you have any questions or require additional assistance please contact GM Financial at ***
Sincerely,
GM Financial

March 7,
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
Our records indicate that GM Financial issued a refund check in the amount of $on February 12, to the address on fileAn additional refund was issued in the amount of $on February 26, We received a request on March 6, to cancel and reissue check # *** in the amount of $This request has been submitted and is being processed
Should you have any further questions or require additional assistance in regards to this matter please contact GM Financial at ###-###-####
Sincerely,
GM Financial

GM financial acknowledged that on July 2, they were contacted and made aware that the vehicle we financed with GM Financial was traded in on a new car on June 30, The June payment was due on the 26th of June which made it days past the due date. Our records show that we gave them the dealership name, address and phone number during the July 2nd contact I received a notice in August that the account was past due and they reported it to my creditI called the dealership and they said that they sent the payoff on July 6, 2015. It seems odd that they received the second check that was sent over night and this was the same address that the first one was sent to. I am going to get a copy of the first check and the address it was sent to and attach it to this response. GM Financial seem to have discarded the first check as it was not returned to the dealership or attempted to cash it, in a way to make our last payment seem as being late and to charge us for late fees, extra interest and other fees, so as not to have to refund us an money owed for over payment. Our records show that during the two times I attempted to contact GM Financial between July 6th and again on July 13, by phone, they did not return my callI mailed a letter and attached the sale agreement that showed the new vehicle purchase and the trade in of the GMC Acadia that was financed by GM Financial, but this was also not acknowledged

May 29,
Re: Complaint ID: *** *** ***
Dear Mr***,
Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information
As stated on your monthly billing statement under Failure to Pay, We may report information about your account to credit bureausLate payments, missed payments, or other defaults on your account may be reflected in your credit report
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 to the credit bureau reporting of your account which is done in accordance with the industry standard of the Metro II format in compliance with the Fair Credit Reporting Act (“FCRA”)
Should you have any further questions or require additional assistance with regard to this matter, please contact Customer Service at ###-###-####
Sincerely,
GM Financial

June 14,
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

January 11,
Re: Complaint ID: ***
*** ***
Dear Ms***,
Thank you for the correspondence sent to the Revdex.comI would l*** 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 26,
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

Thank you for the additional correspondence sent to the Revdex.comI have reviewed yourconcerns and would like to offer the following informationA review of your account reflects a payment arrangement was agreed upon on August 26, to make two payments fora total of $to be paid on August 28, 2015, and a third payment in the amount of $to be paid on September 4, 2015. Our records reflect no payment was received on August 28, 2015; however, on September 3, a payment wassubmitted in the amount of $via WEB/ACH with Confirmation NoThis payment was applied toward the June 18, and July 18, installment due dates.At this time, the account is currently past due for the August 18, installment due date in the amount of $454.45.Should you have any further questions or require additional assistance with regard to this matter, please contact GM Financial directly at (800)*** Sincerely,GM Financial

Complaint: ***
I am rejecting this response because: No resolution was achievedI have engaged with GM financial on multiple occasions for them to resolve this to no avail. Counsel has confirmed this is an SCRA violationAs this remains unresolved I will be following up to pursue civil penalties against GM financial
Regards,
*** ***

June 29,
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 informationThe contract is a simple interest contract which means interest accrues daily on the unpaid principal balanceThe Total Sale Price shown in the Truth-In-Lending Disclosures on the face of your contract assumes that all payments will be made as scheduledThe actual amount you will pay may be more or less depending on your payment record
In 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 datePlease note that throughout the time that the account has been active, six deferments have been processed per your request for the months of February and March of 2007, October and November of 2007, and May and June of Please understand that when a payment is deferred or delinquent, interest still continues to accrue
If you have any further questions or are in need of additional assistance regarding this matter, 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 meThank you
Regards,
*** ***