GM Financial

Thank you very much for your very detailed responseAgain, I submit to you that you have incurred no costs for these late fees and did not in my mind make a good effort to advise me that the title was not being releasedAt the very least I would have accepted this had you sent a registered letter but you did notThe fact of this matter is that I no longer want the car due to mechanical issuesSince you are not willing to release the title, you are still the "legal" owner of the vehicleYou have made this clear in your statementsPlease advise where I can deliver the car for you to take possession of it .

Complaint: ***
I am rejecting this response because: The following statement: "Our records reflect that you have not been reported to the credit bureaus for any late payments" is inconsistent with (1) statements made by GM Financial employees in phone correspondence and (2) what the credit bureaus currently reflectAttached are PDFs reflecting the status of my GM Account with both Equifax and TransUnionBoth credit bureaus reflect GM financial reporting last on June 16th Further, when I spoke with GM Financial previous to filing complaints the representative on the phone confirmed that it was GM Financial's policy to start and continue negative credit reporting until the issue you had working with the dealership to obtain the paperwork you needed was resolvedShe alleged that this policy was a precaution against the wild possibility that I may somehow still possess the vehicle (despite the fact that the dealership called on multiple occasions, including on the day of turn in, to confirm that they had the vehicle)Ironically, GM Financial customer service representatives acknowledged they had that information from the dealership - but that there were issues with the paperwork between GM Financial and the dealershipAs a matter of fact, it was that conversation that prompted me to file this complaint; because that policy is in violation of my rightsGM Financial reported a missed payment in May and is reporting a worst payment status of 60-DaysI have never missed a payment nor have I ever made a payment late. All payments were made on time; my account was paid up thru April 15thVehicle was remitted to the dealership on March 20thThe nearly month delay for GM Financial and the dealership to effectively work together towards resolution (still unresolved as reflected by attached credit reporting) is unacceptableThe fact that both credit bureaus report late and missed payment and your records allegedly show otherwise is evidence that your "records" are incorrect and/or not in sync with your reporting (and thus your IT system is technically incompetent) or - you are being dishonest; either of which is unsatisfactory.GM Financial may be advised that I have documented this entire episodeAs an active duty military service member I do not have to be represented by a private litigatorCivil penalties for SCRA violations (which this is) are enforced by the U.SDepartment of JusticeCivil penalties are $55,for the first violation and $110,for subsequent violationsThis violation is being actively pursued via routine legal methods (from the Department of Defense) to the Department of Justice.GM Financial's inept policy of negative credit reporting has held my credit hostage and en***gered my security clearanceTo date these issues have not been resolved; (1) My credit reporting is still incorrect, (2) I have not received an official apology from GM Financial, (3) nor has GM Financial made any offers of financial restitution. If these issues are fully resolved I will consider rescinding my complaint (and pursuit thereof) with the Department of Justice.Regards,
*** ***

April 20,
Re: Griffin ***
Complaint ID: ***
GM Financial Account No.: ***
Dear Mr***,
Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
Our records indicate that the payoff check posted to your account on April 10, 2018, with an effective date of March 15, The account is now closed and currently reflects a zero balanceOn April 16, 2018, GM Financial submitted an update to the credit bureaus to remove the derogatory mark and reflect the current account statusThe bureaus generally reflect the updated reporting information within 30-daysYou will receive a credit rating letter in a separate mailingWe apologize for any inconvenience you have experienced as a result of this situation
If you have any further questions or concerns regarding this matter, please feel free to contact GM Financial at ###-###-####
Sincerely,
GM Financial

July 27,
RE: Complaint ID:
*** ***
Dear Mr***,
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

October 25,
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 of today’s date,
our records do not reflect that your account has been reviewed and/or denied the benefits provided for under the Servicemembers’ Civil Relief Act (“SCRA”)If you would like for your GM Financial account to be reviewed for eligibility under SCRA, copies of either your active duty orders, a letter from your commanding officer on military letterhead; or some form of official notification are statutorily requiredPlease remit this information by fax or mail to:
GM Financial
Attn: Customer Service Support
*** ***
*** ** ***
*** *** *** *** ***
Please note that this information is also available on www.gmfinancial.com within the Finance Tools tab under SCRAShould you have any further questions or require additional assistance with regard to this matter, please contact Customer Service directly at ###-###-####
Sincerely,
GM Financial

January 11,
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 you are not a party to the lease
agreement, please understand GM Financial is unable to discuss account specific information without consent from the account holder
The account holder may contact our Lease Customer Service department directly at ###-###-#### to discuss this matter further
Sincerely,
GM Financial

Thank you for your feedback in such on this matterI'm happy that I get the title of my Dad's vehicle put in my name but I have another concernThe loan you have with my dad is still going to be in his nameBut the problem is probate is to get all debt out of his nameIf I'm going to pay over $a month for a vehicle I for one would love the credit put on my credit reportI have no money for a big down payment for a refinance loanBut then I ask myself if you know and trust me to put me on the TITLE of my dads car then why is it so hard to just put me on the loan contractThis seem's illegal because how are you going to collect debt of a loan of contract from a deceased personYou would take a big loss if something would happen if it came back to your companyI just want my credit build upSo later on in life I can purchase another vehicleMy point of view is I pay off my fathers loan then go to a car dealership and be told I don't have a substantial credit score and no history of any vehicles in good standing being paid offSo then I would be approved at allMy dad isn't here anymore to purchase a vehicle in his name for me so I can pay it off for him like I did his last vehiclesI built his credit upThe Chevrolet Cruze holds a lot of my heart because it's the only thing I have left of himMy brother and sister took everything elseBut thank you for your timeHope we can settle the matter
Regards,
*** ***

March 6,
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
At your earliest convenience,
please provide a copy of the plate cancellation receiptThis can be obtained from the DMV websiteUpon receipt of this information I will research this matter
Should you have any further questions or require additional assistance please contact GM Financial at ###-###-####
Sincerely,
GM Financial

August 29,
Re: Complaint ***
*** ***
Dear Mr***
Thank you for forwarding the correspondence to the Better Business BuearuWe have reviewed your concerns and would like to offer you the following information
Please note based on your inquiry, we will submit an
update to the credit reporting agencies regarding the current status of your accountPlease allow the credit bureau reporting agencies 30-days to reflect these updatesWe apologize for any inconvenience this has caused and appreciate your patience
Should you have any further questions or require additional assistance regarding this matter, please feel free to contact our office at 1-***-***-***
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because:I never received a past due notice or phone call. I don't believe that I should be responsible for any late payments until I can review my account by getting my statements. I was paperless statements not knowing that I could not see my statements online. I have requested my statements twice now, each time stating that I want to see my statements before I pay any additional amount.I also believe that GM Financial billing system is not correct. I made a payment in January for $190.86, which never got posted to my account. After I complained, GM Financial sent me a refund check for $190.86. If I am delinquent and have a past due amount, why was my payment not applied to my account. So now I have no idea what is going on. My billing statement has one amount, my account on the website has another amount
Regards,
*** ***

Thank you for the correspondence sent to the Revdex.comA review of your concerns has been completed and we would like to offer you the following information
Our records reflect that the account for the Ford Expedition matured on May 3, On this date a
maturity letter was sent to the address of record advising you that the final balance had become due in fullThe balance reflected on this letter is $4,As your Retail Installment Sale Contract is Simple Interest Finance Charge, interest continued to accrue on your account until the principal balance had been paid in full
According to our records payments totaling the amount of $3,were received on May 17, 2011, June 23, 2011, and June 27, These payments satisfied the principal and/or interest balance of the account; however it did not cover the full balance owed, leaving an outstanding late fee balance of $1,A Final Letter regarding the late fee balance was mailed to the address of record on September 14, This letter provided information regarding remaining late fee balance and indicated that GM Financial would continue to hold the title/lien and/or contract for the account until the balance is paid
GM Financial received a payment in the amount of $for the late fee balance on August 23,
On June 30, 2015, an agreement was made in an effort to assist you, by waiving $of the late fee balance, upon the receipt of $On July 6, 2015, GM Financial received personal check # in the amount of $800.00; and the remaining late fee balance of $has been waivedThe title for the Ford Expedition is set to be released on July 27, Had the funds been sent in the form of a Cashier’s Check, as you had indicated on June 30, 2015; the title would have been released three business days from the receipt of the final paymentShould you require the release of the title prior to July 27, 2015, proof of cleared funds are required for personal check # Should you choose to do so, you may fax this proof to ###-###-####
Included for your review are copies of your Retail Installment Sale Contract, Maturity Notice, Final Letter regarding the Late Fee Balance, and a copy of personal check# Copies of your Account Payment History were previously mailed to you on June 29, and July 9,
Should you have any further questions or require additional assistance, please feel free to contact Customer Service at ###-###-####
Sincerely,
GM Financial

Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
GM Financial has submitted an update and forwarded the proper documentation to all three major credit bureausPlease allow the credit bureau reporting agencies 30-days to reflect these updatesPlease also 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 with regard to this matter, please contact Customer Service directly at ###-###-####
Sincerely,
GM Financial

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11462489, and find that this resolution is satisfactory to me. Please credit the late fees as promised

January 24,
Re: Complaint ID: *** *** ***
Dear Ms***,
Thank you for the correspondence sent to the Revdex.comAt this time, GM Financial is currently reviewing your accountA response will be issued once the review
has been completed
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because I never received the title from GM Financial. Can GM Financial provide me with proof that it sent me the title back in February? It gave me tracking info for the signed lien waiver in April but has not yet proved it sent me the title by giving me the delivery tracking/proof of delivery information for February. I believe GM Financial sent it to a third party by mistake back in February, because that is what GM Financial told me (at least once by supervisor *** * ***) in March. I never got the title back in February and GM Financial wants me to pay money to get a duplicate title through getmycartitle.com. I should not have to pay GM Financial for a duplicate title
Regards,
*** ***

May 21,
Re: Complaint ID: *** *** ***
Dear *** ***,
Thank you for the additional correspondence sent to the Revdex.com I have reviewed your concerns and would like to offer the following information
Please be advised the refund requested was completed for account ending in ***, check number ***, in the amount of $was sent to the address of record on May 15, via overnight mail, with a FedEx tracking number of *** For the account ending in ***, check number ***, in the amount of $via FedEx tracking number *** Lastly, for the account ending in ***, check number *** in the amount of $via FedEx tracking number *** Our records reflect that the checks were delivered on March 16, at 4:pm
Should you have any further questions or require additional assistance, please feel free to contact Lease Customer Service at ###-###-####
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because: This isn't resolved GM would like my account number to look into the issue, the account number is ***
Regards,
*** ***

Complaint: ***
I am rejecting this response because:
Hello Miss ***, Here is the new information needed to complete my complain*** * ***g m acc.#*** ss# ***phone ###-###-####Thank You*** * ***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 March 31, 2014, you entered into a Retail Installment Sale Contract (“Contract”) with Tropical Chevrolet for the Chevrolet
SonicGM Financial employees were not present at Tropical Chevrolet (“Dealer”) during the signing of the contract and GM Financial was not an original contracting party in any agreements between the two partiesThe contract was subsequently assigned to GM FinancialPer your contract, the annual percentage rate may have been negotiable with the seller at the time of purchase In connection with the finance charge of $9146.66, you promised to pay the amount financed of $27,which resulted in a total of payments of $36,398.16, 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 daily on the unpaid portion of the Amount FinancedThe Federal Truth-In-Lending Disclosure states that by 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 9.90% in installments of $ Throughout the time that the account has been active, four deferments have been processed per your request for the months of April and May of 2015, December of 2015, and January of Further review of the account activity and payment history reflects that additional interest has assessed due to payments being made after the scheduled due date and during time of payment deferralAll payments have been applied in accordance with the terms and conditions of the contract Please be advised GM Financial bases its credit decision on the consumers’ credit file obtained from the credit reporting agencies at the time of application, income, expenses and the cost of the collateralAfter thoroughly researching your account and application for credit, GM Financial has been unable to determine that anything outside of the credit process occurred GM Financial is unable to honor your request to revise the ContractAlthough GM Financial does not offer refinancing, customers may choose to refinance their loan with another lender at any time Copies of your account payment history and contract are being mailed to your address of recordPlease allow 7-business days to receiveShould you have any further questions or require additional assistance with regard to this matter, please contact GM Financial at ###-###-#### Sincerely, GM Financial

October 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
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