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 December 22, 2014, you signed a Retail Installment Sale Contract (“Contract”) for a Ford Explorer in the amount of $26,at an interest
rate of 15.99%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning on February 5, The contract is a simple interest contract which means interest accrues daily on the unpaid principal balance.Please note that GM Financial places a high priority on adhering to all state and federal lawsThe state of Washington does not require a cure period or notice of repossession be mailed prior to repossessionOn November 2, 2015, the decision was made to place the vehicle out for repossession, as allowed by your contractAt this time the account was days past due for the August 5, installment due dateThe account history was reviewed thoroughly and it has been determined that the handling of the account, including repossession, was in compliance with your contract as well as all state and federal laws.Our records reflect that the last payment received was on July 20, in the amount of $2,for the reinstatement of the vehicle due to the repossession that occurred on July 13, This payment paid the monthly installment due dates of April 5, 2015, May 5, 2015, June 5, 2015, and July 5, This payment also paid the late fee balance owed at that time in the amount of $and the repossession fee in the amount of $Effective January 1, 2015, a change in the Department of Defense’s Financial Management Regulation prohibits service members from allotting pay to buy, lease or rent personal property including vehicles, such as automobiles, motorcycles, and boatsTherefore, you will need to contact DFAS regarding the allotted funds you state were intended for the monthly installments as GM Financial has not received any disbursementsOur records further reflect that you are set up to receive the monthly billing statement via e-billing and by mailDue to the status of the account, you may have been blocked via MyAccount and would have been unable to access the billing statement e-mailed as an attachmentOur records also reflect that these billing statements were also mailed to your address of record and accurately reflected the status of your GM Financial accountPlease be advised that the repossession company is an independent contractor and is licensed as suchAny claims against their company, like those regarding damages that may have occurred during towing, will need to be addressed directly with their company and/or licensing authority. The current amount required to reinstate the vehicle is $3,and is good through November 23, On November 4, you were advised of the reinstatement instructionsShould you have any further questions or require additional assistance, please contact GM Financial at ###-###-####.Included for your records are copies of your contract, account payment history, and all billing statements mailed to your address of record since the reinstatement of the vehicle in July of 2015.Sincerely,GM Financial

I am rejecting this response because:This problem has been on going for over weeks and this is the same response they keep saying: "It is under review". I have sent GM Financial a copy of the cancelled check and am even willing to send them a copy of my bank statement showing it was paid. I expect more than this current response "a letter will be sent".
Regards,
*** ***

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
This refund is scheduled to be refunded on February 19, in the amount of $632.76, which includes a deduction in the amount of $for excess wear and tearRefunds are issued out days after last payment is applied to the accountPlease allow to business days from the time the check is issued for it to be received
Should you have any additional questions regarding this matter please feel free to contact the Lease Loss Recovery Department at ###-###-####
Sincerely,
GM Financial

Upon recommendation from *** at GM Financial, I went to all three credit bureaus directly instead of the credit tracker app thru Capital One who has been reporting to me the hits to my cteditI found out that indeed there are no late payments reportedCapital One just sent me another credit tracker report that GM Financial reported my account with a zero balance deliquentI also know that is because I just puchased a new car two days ago and had absolutely no problem at all getting financedAs well as my credit score not anywhere near the that Capital One said I hadSo I will consider my problem not with GM Financial at allI consider this matter closed and completely resolvedThank you for your time and patience and understandingApparently the Capital One credit tracker app they so famously tour as so awesome is significantly faulty by all accounts

June 18,
Re: Complaint ID: ***
*** J ***
Dear *** ***,
Thank you for the correspondence sent to the Revdex.com. We have reviewed your concerns and would like to offer the following information
Our records
reflect that you spoke to a GM Financial representative on April 10, in regards to your account. In an effort to assist, a deferment was offered for the months of March and April 2018; however, the pending deferments were voided due to non-payment of the deferment fees as agreed to be paid on April 13, 2018. Please note, our records show numerous attempts were made in effort to contact you regarding the status of your account
A review of your account reflects that a payment in the amount of $was received by GM Financial on May 11, 2018; however, this payment was returned to GM Financial by your bank as “Unauthorized” on May 23, 2018. Further review of our records reflects on May 14, the decision was made to place the vehicle out for repossession, as allowed by your contract At this time the account was over days past due
GM Financial funded the purchase of this vehicle in good faith that all contractual repayment obligations would be honored. Repossession is always unfortunate; however, at this time, we are unable to oblige your request for collateral compensation
Should you have any further questions or require additional assistance please contact GM Financial at ###-###-####
Sincerely,
GM Financial

Thank you for the additional correspondence submitted to the Revdex.comI have reviewed your concerns and would like to offer you the following information.Please be advised the date of first delinquency by definition is the date the account first became delinquent and was not brought
currentThis date on your account was reported accurately as December 14, 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
Should you have any further questions or concerns with regard to this matter, please contact GM Financial at ###-###-####
Sincerely,
GM Financial

May account number for gmfinancial is this: ***

August 31,
Re: Complaint ID: ***
*** D ***
Dear Ms***,
Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
A review of the
account reflects a pending deferment has been requested for the months of July and August Our records further reflect the deferment agreement was sent to you via email, and was electronically signed and returned to GM Financial as of August 30, Please allow 3-business days for the process to be completedYou may follow up on this request with GM Financial at ###-###-####
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because: I have not received lien release or title to my car in the mail yetOnce they both are received I will accept responseI still believe an investigation into GM/Americredit's practice of not sending proper releases and clear titles to consumers in the first place is still warrantedI believe they have set up & run the website www.getmycartitle.com to extract extra unnecessary & illegal fees from consumersIt was their first response to me when I called & told them I was paying vehicle off a few months early back in & made sure they had my correct current mailing address (is same now still) to mail clear title toThey told me I was going to have to go through www.getmycartitle.com & pay extra fees before even receiving final paymentIs their ownership & use of that website to gain extra fees legal?
Regards,
*** ***

March 14,
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
Due to a recent enhancement, an issue was identified causing an additional itemized tax entryAs previously explained, you are only responsible for a payment in the amount of $due on the 27th of each monthThe earn tax amount of $is included in the total installment payment of $Please be advised your GM Financial lease account reflects current with the next monthly base rent due date of July 27,
We apologize for any inconvenience this has caused, should you have any further questions or require additional assistance in regards to this matter please contact GM Financial at ###-###-####
Sincerely,
GM Financial

May 17,
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 May 3, 2017, GM
Financial received an application for credit submitted at Castle ChevroletYou have indicated that you are disputing the inquiry 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 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

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,
*** ***

September 27,
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 information
Please be advised our records reflect the title for the Volkswagen Jetta was delivered to the address you provided on September 26,
We apologize for any inconvenience this situation may have caused Please be assured that GM Financial gives customer service a high priority and is totally committed to achieving excellenceShould you have any additional questions regarding this matter, please feel free to contact GM Financial directly at ###-###-####
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because:Waiting for a response from GM Financial. They are still looking in to it
Regards,
*** ***

Complaint: ***
I am rejecting this response because: Here is my account number*** for the equinox and *** for the Terrain
Regards,
*** ***

February 20, RE: Complaint ID: *** *** *** Dear *** ***: 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

July 16,
Re: Complaint ID: ***
*** ***
Dear Ms***,
Thank you for the correspondence sent to the Revdex.com We have reviewed your concerns and would like to offer the following information
On August 21, 2012, you
signed a Retail Installment Contract and Security Agreement for the Mercury Mountaineer in the amount of $19,at an interest rate of 20.99% The contract terms you agreed upon, state the loan would be repaid in monthly installments in the amount of $per month, beginning September 21, This is a simple interest contract which means interest accrues daily on the unpaid principal balance The Total Sale Price shown in the Truth-In-Lending Disclosures on the face of your contract assumes that all payments will be made as scheduled The 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 date, due date changes and deferments that were processed at your request Please note that throughout the time that the account has been active, eight deferments were processed per your request for the months of November and December of 2013, July and August of 2014, September and October of and June and July of Please understand that when a payment is deferred or delinquent, interest still continues to accrue After thoroughly researching your account payment record it has been determined that all payments have been applied in accordance with the terms and conditions of your contract
For your review we have mailed a copy of your contract and account payment history Should you have any further questions or require additional assistance with regard to this matter, please contact Customer Service directly at ###-###-####
Sincerely,
GM Financial

January 4,
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
GM Financial is making some long-planned enhancements that will help us provide a better customer experienceAccess to your account online and by phone will be unavailable while we make updatesWe expect to resume service Jan5, so please check back with us at that timeIn the meantime, check our FAQs for more information
Upon further research of the account, GM Financial will send response to customer
Sincerely,
GM Financial

Thank you for the correspondence sent to the Revdex.comI would like an opportunityto address your concerns, however additional information is requiredAt yourearliest convenience, please forward me your full GM Financial account number orsocial security numberUpon receipt of this
information I will research thismatter Sincerely,GM Financial

Complaint: ***
I am rejecting this response because:GM Financial is ignoring the problem caused on their end by a computer problem in December, and putting all the corrective action effort on the customerI have confirmed with my bank, *** ***, that payment was made in early December, well ahead of the due date. I also confirmed payments were made in the previous month (November) and the month after (January) the payment in question. Because GM Financial lost the record of my December payment (but did cash the check!), I have filed a claim with *** *** who will be contacting GM Financial directly. If WF is unable to resolve the payment issue, I will contact GM Financial again. Regards,
*** ***