GM Financial

November 29,
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
Please note on
December 11, 2012, you signed a Retail Installment Sale Contract for a Chevrolet Impala in the amount of $12,at an interest rate of 19.45%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning January 25,
On August 16, the decision was made to place the vehicle out for repossession, as allowed by your contractAt this time the account was days past dueThe 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 lawsThe state of Florida does not require a cure period or notice of repossession be mailed prior to repossession
Our records reflect that a deferment was processed at your request for the month of May and June of GM Financial last spoke with you on July 25, 2016; at which time you set up a payment in the amount of $dated for July 25, as part of the deferment fee and partial payment for April of due dateYou also set up a future dated payment in the amount of $for August 3, for the July installment paymentThese payments were returned to GM Financial due to insufficient funds on August 4, Please be advised numerous efforts were made to contact you with regard to the status, and no further arrangements were made
GM Financial is required to report truthful and accurate information to the credit bureau reporting agenciesOur research concludes that the account status and payment history of your account have been reported to the credit bureau reporting agencies with accuracy; and as a result, we are unable to make any changes or deletions to the account and credit agencies
Should you have any further questions or require additional assistance, please contact GM Financial’s Customer Service department at ***
Sincerely,
GM Financial

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my dispute.Thank you for the additional correspondence sent to the Revdex.comI have reviewed your response and I would like to reiterate the following.As you have been previously advised, I will not be commenting any further on the double payment from 7/29/since that is a COMPLETELY SEPARATE ISSUERegarding the 7/28/refund, per your request, I have emailed you proof of cleared funds in the form of my bank statement reflecting both payments and a before and after balancePer your statement on Revdex.com response, I expect this payment be completely processed no later than 9/13/to 9/20/(to weeks)To ensure that the 7/28/payment will be refunded as we have agreed upon, I have sent correspondence to GM Corporate, as well as Consumer AffairsThe status of these complaints will be updated to settled once your refund has been completely processed.Regards,
*** ***

July 11,
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 you are still responsible for maintaining the monthly installment payments and are still subject to monthly credit bureau reporting until the account is paid in fullLate fees are assessed when a payment is not received within days of the date it is dueOur records indicate that as of July 10, Gap issued a refund check in the amount of $5,Please understand you are responsible for any deficiency balance on the account once insurance and gap proceeds have applied to the remaining contract liability
If you have any further questions or are in need of additional assistance regarding your account, please contact the GM Financial Total Loss Department at ***
Sincerely,
GM Financial

February 7,
Re: Complaint ID: *** *** * *** ***
Dear Mrand Mrs***,
Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
Please be advised GM Financial
received the payoff for the GMC Sierra from Somerset Buick-GMC, Incon January 24, On this same day, prior to the posting of the payoff a right to cure letter was sent to your address of recordA review of the account reflects your GM Financial lease account balance has been paid in full, and paid in full letter will be mailed to your address of record
We apologize for any inconvenience this situation may have caused Should you have any further questions or require additional assistance regarding this matter, please feel free to contact Lease Customer Service department directly at ***
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because:Mr *** not Ms, the complaint shows there math has changedAnd now the lowered my credit rating by reporting my last payment as being over thirty days oldHowever, they fail to address the complaint entirelyThey didn’t explain the $1,balance and how three payments of = 1,It isn’t my job to do there math or to make the monthly reports to the credit bureausFor the last months I have paid, $a month, while the payment was • = $This is more than the late payment of that they are asking, they owe me dollars by my less than perfect math!
Regards,
*** ***

January 11,
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
As previously advised, your GM Financial account matured on July 4, 2016; at which time the balance was due in full for the amount of $2,Please be advised, the new payment plan was offered to you at no interest in efforts to assist you with the remaining balance and was not completed until August 19, At which time the account was over days past duePrior to the loan extension, the loan balance was due in full and continued to be late until that process was completed
If you have any further questions or are in need of additional assistance regarding this matter, please contact GM Financial at *** ***
Sincerely,
GM Financial

Complaint: ***
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,
*** ***

December 29,
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
As a courtesy, GM
Financial waived $*** in late fees in efforts to resolve this matterAs of the date of this letter a deficiency balance is still owed on the Lease in the amount of $***
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
Should you have any further questions or require additional assistance with regard to this matter, please contact Lease *** *** *** ** ***
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 informationOn 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 purchaseIn 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 contractPlease 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 occurredGM 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 timeCopies 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

August 10,
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
A refund has been requested and is being processedA check in the amount of $will be sent via overnight mail to the *** *** *** ***Please allow to business days from the time the check is issued for it to be received
Should you have any further questions or require additional assistance, please feel free to contact Lease Customer Service at ###-###-####
Sincerely,
GM Financial

March 6,
RE: Complaint ID: ***
*** ***
Dear Mr***:
Thank you for the additional 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

May 23,
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
On November 29, 2014, you entered into a Motor Vehicle Lease Agreement for the GMC SierraWithin the agreement, you agreed to a month lease term with a monthly payment in the amount of $per month, due on the 1st day of each month beginning November 29,
Please be aware, your lease matured on March 1, and the vehicle was not turned in or paid off by this dateA payment received on January 11, was applied towards your December 1, installment, the payment received on February 19, was applied towards your January 1, installmentPlease be advised, both of these payments reported over days past dueA payment was not received for your February nor March installmentsThe payoff check from *** *** *** in the amount of $28,posted to your account on April 3, 2018, with the effective date of March 30, 2018, the date it was received
Please understand that GM Financial is required to report truthful and accurate information to the credit reporting agenciesGM Financial will submit an update to the credit reporting agencies to ensure your account reflects accurate informationShould you have any further questions or require additional assistance, please feel free to contact GM Financial at ###-###-####
Sincerely,
GM Financial

March 23,
Re: Complaint ID: ***
*** ***
Dear Mr***,
Thank you for the correspondence sent to the Revdex.comAt this time, GM Financial is currently reviewing your accountA full response will be issued once the review has
been completed
Sincerely,
GM Financial

I am rejecting this response because: no one reached out to me and the gesture isn’t big enough I received a bill for $$and it was cut to $ Based on my conversation with a Chevrolet service specialist I anticipated, at the most $in damage to the car that would’ve been cut in half by the $damage waiver I received for purchasing the new car

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,
*** ***

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
Per your lease agreement a payment of $is due on the 14th of each monthWe received a payment in the amount of $on June 27, 2016, at that time the account was only days past dueGM Financial reports to the credit bureaus when the past due balance becomes more than days delinquentYour MyAccount profile will not reflect a balance until it becomes dueLate fees are assessed when a payment is not received within days of the date it is dueOur records reflect that there no late charges assessed or a credit mark on the account at the time
We apologize for the poor level of service you feel you have received Please be assured that GM Financial gives customer service a high priority and is totally committed to achieving excellenceWe appreciate you bringing this matter to our attention and apologize for any inconvenience this has caused
Copies of your payment history will be mailed to you address separately
If you have any further questions or are in need of additional assistance regarding this matter, please contact GM Financial at ###-###-####
Sincerely,
GM Financial

January 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
Our records
reflect that recurring payments were set up online via MyAccount using Western Union SpeedPay beginning June 26, The payment draft date agreed to was the 26th of each monthThe last payment drafted within this plan was October 26, This type of payment is customer driven, initiated and authorizedPlease note that emails are sent to the email on file with the plan details, and the schedule can be viewed online when it is active
Please be advised numerous efforts were made to contact you with regard to the status of the accountUpon review of the account, GM Financial determined there is no credit mark on the account for November of Please be advised a subpoena is required for all GM Financial’s internal records
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
If you have any questions or require additional assistance please contact GM Financial at (800)369-
Sincerely,
GM Financial

Thank you for forwarding the correspondence to the Revdex.comI have reviewed your concerns regarding credit bureau reporting and would like to offer you the following information
Please be advised 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
Please feel free to contact our Customer Service department with any further questions at ***
Sincerely,
GM Financial

Revdex.com:Please provide this information to the business as requestedThe account number for our old account in question is ***.Our current account is ***.The last four of my social is *** and of my wife who is also on the title is ***If you require additional information, please let me know. Just as a recap, I am disputing the $that was deducted from me after I requested a stop payment because the car had been deemed a total loss prior to the date the payment was taken. The insurance company was willing to pay 100% of the remaining balance on the car and they were quoted at a payoff that was several hundred dollars different from the one I had been quoted at. Which it would appear to me that my quote was without factoring in my payment and with the quote they were provided it accounted for the payment that I requested to be cancelled as the insurance company would be paying the remainder and I could then apply the $towards a new lease through GM Financial. Furthermore, I am disputing the $over-payment that was made in when we leased the car in question. We were trading in a vehicle that was financed through Capital One Auto Finance. At the time, we sent a sizeable insurance check to Capital One to be put towards the remaining balance on the loan and we then financed the remaining negative equity through GM Financial. The negative equity that we financed was about $more than what was owed on the car as we found out several weeks later. Capital One insisted that they sent the remaining balance back to GM Financial since that is where the check originated. I contacted GM Financial numerous times after that and was told that any over-payment would be applied to the payoff/final month lease on the loan. To this day, I never received any documentation showing that the $was applied back to the lease and since the car was total loss, I have since not been able to get any clear information from anyone on whether the $was applied. As far as I can tell, the $was never taken into consideration and there was and continues to be an over-payment on the carAs someone who currently has a GM Financial Lease and is currently in the market for a lease on a truck through the same dealer and GM Financial, I hope that this can be resolved so that I can then apply a refund to a new lease. I have made several attempts to get answers from GM Financial Customer Service and been unable to get any clarification on any of these issues. In several instances, I was told I needed to be transferred to a different department and each time during the transfer process I was disconnected which left me no choice but to proceed with this complaint
Regards,
*** ***

The service I was given was horribleWhat I was first told was not honored and was not looked intoNOT only that but I was told prior that when the time comes someone would be able to helpThe guy said only a certain number of deferments are allowed if the funds are available. Help!!!! is all I wanted but I got nothingMy account is not past due, that I understand but why can't a company stand behind what they say? Why am I the only one who gets that the way I was treated was wrong? and why did it take me having to file a Revdex.com complain to get a simple apologize? The manager that I spoke should call and apologize for the way he talked to meLike I didn't matter and neither did me being a customerNO CALL! Bottom line, maybe my credit isn't where it should be but I am a hard worker and during a hardship you can not say that you understand and then say I can't help you. I knew of the deferment in JulyThe guy said you are one month from being able to file for another and we would waive thatWhy would I lie? And then you guys keep saying I just came off defermentMy September and October payment was made early and only my Novpayment was late because of my medical complications which no one seems to care aboutI wish that "I can't help you" was told from the start and not days later after I borrowed money that I surely don't have to pay back because of what your employee told meI will go further. This is just not fairAll I was told was how it would go on my credit and how I could turn the car inKeep in find folks, I'm not even past due. You offer is not acceptable I will share my experience which is unfairI DO NOT accept this offer