GM Financial

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

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 both you and William Tankersley filed a Chapter bankruptcy on November 3, that included your GM Financial accountThe payoff for the GM Financial account was received on January 12, 2012, while the bankruptcy was still activeThe Reaffirmation Agreement for this account was not filed until January 13, 2012, after the account had closed GM Financial has submitted an update today to the credit bureau reporting agencies to reflect the reaffirmation of the account and to update the account status as closed and paid in fullPlease allow 30-days for the credit bureau reporting agencies to reflect these changes 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
On May 31, 2014, you signed a Retail Installment Sale Contract (“Contract”) for the Chevrolet Malibu in the amount of $32,
at an interest rate of 7.90%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning on July 15, By defaulting on the installment payments, you broke the terms of this contract resulting in the repossession of the vehicle on August 11,
Please note that GM Financial places a high priority on adhering to all state and federal lawsPursuant to Illinois’s pre-repossession notice requirements, cure notices were sent to all parties of the Contract via first class mail to the last known address on June 29,
On August 11, 2015, the decision was made to place the vehicle out for repossession, as allowed by your contract, at this time the account was days past dueThe Notice of our Plan to Sell Property, the Notice of Right to Reinstatement and Redemption and Intent to Sell were mailed to all parties of this Contract via first class mail on August 13, The 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
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
GM Financial funded the purchase of this vehicle in good faith that all contractual repayment obligations would be honored Repossession is always unfortunate; however, we are unable to comply with your request for a refund
Included for review are copies of your Contract and Account Payment HistoryShould you have any additional questions regarding this matter, please feel free to contact our Loss Recovery department at ###-###-####
Sincerely,
GM Financial

What's been stated by GM Financial about the specifics of my lease agreement terms are not in dispute and is the same exact response I've received following numerous other calls, emails, etcto the company...which directly avoids my point of contentionGM Financial showed a balance of $until we went to pay our April payment at which point it was then showing months dueWe immediately made payment at that timeGM Financial's failure to maintain and implement it's website, as other customers have complained about on this Revdex.com forum, was the direct cause of my payment being credited days past the day markWhat's most troubling after reaching out to the company numerous times regarding my frustrations, is their failure to acknowledge fault or take steps to correct this customer service error which is the actual violation of the Fair Credit Reporting ActHiding behind dates and not acknowledging a system that a customer has informed them was misleading, flies in the face of the fairness that the Act was intended to upholdI'm asking GM Financial to consider the entirety of the circumstances surrounding this March/April payment when determining if a late payment was indeed made as they are required to do under the FCRA.Regards,
*** ***

This GM Financial Representative out off obvious rucky Employers have not learn yet of the cover up way practice of GM Financial teaches First Obviously theirs some issues in their representative Department coding,encoding,recording knotes on convention with client consumers vs erro in GM Financial erros incompenten by GM Financial Representative due to error can be made by GM Financial, due to the only use of a hand type knotes vs clients consumers of human erro by GM Financial, could be made blamed in fault in making consumer default due to this only use of practice by taking knotes insted both verbal recordings & type mirroring the same conversation in type knotes by GM Financial secondly GM Representative on recording didn't even give a identity number on this convention erro once agin ask GM Financial what are their Representative duties on a beging conversation with a consumer if they say ID number then this (erro) in fact is in their department third ask them if theirs a recorded audio of conversation on 12/9/ifso ask to hear it if not I will have federal court to supena GM Financial phone records & conversation I & payments that proves I have paid double a priyor time before even if I have to pay for records to be search thank you *** *** my contact is ***
Regards,
*** ***

Thank you for forwarding the additional correspondence to the Revdex.com
We have reviewed the further information you provided on April 9, regarding your GM Financial accountWe have updated and forwarded the proper documentation to all three major credit bureaus to have the day delinquency removed in March Please allow 30-days for this information to reflect on your credit bureau report
Please feel free to contact our Customer Service department with any further questions 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
On March 28, 2015, you entered into a Retail Installment Sale Contract (“Contract”) with *** Chevrolet for the Chevrolet
MalibuGM Financial was not present at *** Chevrolet (“Dealer”) during the signing of the contract and was not privileged to any agreements between the two partiesThe contract was subsequently assigned to GM Financial
We empathize with the problems you may have experienced with the vehicle; however, the responsibility for this contractual obligation remainsAll mechanical issues would need to be resolved between yourself, *** Chevrolet, and/or the manufacturer of the vehicle, if necessary
GM Financial is unable to honor your request to defer the September 30th and October 30th retail installment paymentsPlease understand that deferments are not a contractual obligation and are not always availableAt this time, you have not yet established enough payment history in order to be eligible for this type of assistance
If you would like to discuss this matter further with the manufacturer of your vehicle, please contact GM’s Chevrolet Customer Assistance line at ###-###-####
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because:I have spoke to my financial institution several times, one time was a conference call with a representative from GM, and the check my bank sent was cashed by GM on Sep I faxed proof of funds to GM over a week ago, and was told be the last representative I spoke with that they do not have access to see if that was receivedI spoke with my bank today and told them GM claims to have refunded the money on Sep 17, and they informed me they have not received any refund from GMThey are in the process of providing me with a formal letter to to provide to GM stating that there was no refund issued
Regards,
*** ***

Thank you for the additional correspondence sent to the Revdex.comYour concerns have been reviewed and we would like to offer the following information.Your account is currently under review with our Tax DepartmentOnce the review has been completed you will be contacted by a member of leadership from Customer Service with the resultsShould you have any further questions or require additional assistance regarding your GM Financial Lease, please contact Customer Service directly at ###-###-####.Sincerely, GM Financial

I do hope you find a way to close the loop that allows customer requests for documentation to remain unfulfilled again, and again, and again

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,
*** ***

July 10,
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
Upon review of the account, our records indicate on June 16, 2018, the GAP proceeds received from First Colonial Insurance Company in the amount of $5,793.89, were applied to your account with the effective date as the date of lossA refund request has been requested and completedA check in the amount of $was issued to the address of record on July 6,
We apologize for the poor level of service you feel you have receivedGM Financial takes all complaints seriously and we appreciate you bringing this matter to our attentionPlease be assured that GM Financial gives customer service a high priority and is totally committed to achieving excellence
Should you have any further questions or require additional assistance 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
I 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
A new refund has been requested and is being processedA check in the amount of $will be sent via overnight mail to the *** *** *** address in the next couple of days
Should you have any additional questions regarding this matter please feel free to contact Lease Customer Service at ###-###-####
Sincerely,
GM Financial

My contract states 17.25%apr; of payments
Regards,
*** ***

Complaint: ***
I am rejecting this response because:my payments were caught upI paid everything up to datethe lady I spoke to on the phone told me the repo order was cancelled on the 19th of the month and my car wouldn't be towedthey should go into the recordings and listen to the conversation we hadI took care of the and change like agreedthen over a week later my car was taken from my house with all my work equipment in it and I couldn't go to work because my keys were in there and all my toolsthey might want to look up the unlawful repossession in new York state because what the did violated that lawwhen I called the bank the same day they told me there was no repo order opened and it shouldn't have been takentook them mins to find out what happened with my car
Regards,
*** ***

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 do not reflect that this letter has been receivedPlease refax this document to ###-###-#### or ###-###-####, or you may e-mail it as an attachment to ***. Please understand that this letter does not guaranty the removal of the truthful and accurate derogatory information previously reported, it only allows for additional consideration of your request to be givenThe removal of the derogatory information is subject to upper management approvalIf approved, an update will be submitted to the credit bureau reporting agencies; however, any update of information on a credit report is still subject to the credit agencies processing timeframes, which is why customers are advised to allow 30-days for any changes to be reflected. Please follow up on your request with GM Financial’s Customer Service Department at ###-###-#### Sincerely,GM Financial

Complaint: ***I am rejecting this response because: I would like to see proof of that GM Financial sent the required letters to my address of recordAlso, I would like to know the exact address they "sent" the required notices toThey did not state what address it was sent toIf they did not send it to an adress I authorized communication from or the original address on fileThen they did not fulfill their duties and they're collection activities are illegalPlease also provide proof that I authorized any adress changes. Please also note: if this matter isn't handled correctly and legally within the next daysI will take legal action against GM FinancialI am an attorney and I have researched the law very carefully on this matter and GM Financial is in violation of the law. Please se take this matter seriously. Regards,*** ***

August 12,
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

November 13,
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
Our records indicate that
your payoff has been posted to your account effective October 27, The electronic lien is scheduled to be released to you on November 17, as per our standard lien release time frame
If you have any additional questions regarding this matter, please feel free to contact GM Financial at ***
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because:
Regards,
*** ***
I am not familiar with the attachment sent I am just requesting that GM Financial remove this account from all three of the bureaus