GM Financial

June 20, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] Dear [redacted] , Thank you for the additional correspondence sent to the Revdex.com.? We have reviewed your concerns and would like to provide the following information Our records reflect that GM Financial sent the Electronic Release to the Virginia DMV on January 22, 2018.? Please be advised you will need to contact your local DMV in regards to the title and time frame to obtain the paper title.? Please be advised, an additional release of lien was sent to your address on file via FedEx tracking number We apologize for any inconvenience this has caused and appreciate your patience.? Please 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 with regard to this matter, please contact Customer Service at ###-###-#### Sincerely, GM Financial

The request we/I have been making is simple: I want you, GM? Financial, to show the actual breakdown of the interest for each deferment, for my loanShow us the exact calculationsA blank worksheet does not provide that? Why won't GM Financial provide information to consumers regarding their account? Does it have to be requested through court? If so, please provide me with the mailing address.?

The response only addresses one part of my complaint and ignores the restWhen the vehicle was sold at auction, there was a surplus due the estateThat was days ago, as of today This whole time I received no refund of any kindMy remaining issues involve the following: at time of my father’s death, his account was currentI quickly reported the death and worked with GM Financial to return the carWhile GM Financial arranged to sell the car at auction, they assessed a late fee to the accountThere was nothing I could do while they prepared to sell the carSo I don’t think it’s right to add this feeThey added one month rent to the account, but paperwork I received from the auction shows the adjusted lease balance on the day the vehicle was soldNo one will explain to me why this is not double countingAnd finally the original tax receipt obtained from Fairfax County is $less than the amount on the account statementI sent a letter March (days ago) asking about all of this and no one repliedWhen I talked to the agent in lease recovery to follow up, she was unable to give me any answersAnd finally, I had to initiate the process myself of getting the property tax refund (which gets sent directly to GM Financial), six months into this whole processThe fact that they have the refund now is all good; my contact at Fairfax County said the refund was sent (as of March 29, days ago)And finally- the complaint reply gives me a number to call- that is the main customer service number for leases; I’ve tried that number many times over the last year and they cannot help me- they say I can only deal with lease recoveryThe agent I spoke with in lease recovery said she has done everything she can do, which is basically listen to me and make a note of my issuesShe does not have the power to answer my issues, have someone who can answer them call me, or actually get the refund outI’m still waiting

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

January 24, RE: Complaint ID: [redacted] ? ? ? ? ? [redacted] ***? Dear Mr [redacted] Thank you for the additional correspondence sent to the Revdex.comI would like an opportunity to address your concerns, however additional information is required At 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

July 26, Re: Complaint ID: [redacted] Dear Mr [redacted] , 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 the full GM Financial account number or social security numberUpon receipt of this information I will research this matter Sincerely, GM Financial

The balance previously reported was listed as "$10,586"; the new reported balance reflected on all three credit bureau reports as of 12/06/is listed as "$6,457" with no "paid in? full" notationsAlso it is reporting the past due as "$6,457" which does not actively reflect a "paid in full" balance; nor does it reflect the reported creditor's "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"? With that being said; the initial complaint was filed after contacting GM Financial directly and getting no where other than being continually transferred to address my concernsI have also attached the MRS settlement letter which I still have not? received a copy via mail of the "paid in full" settlement offer from them; only the e-mail stating it would? reflect after the payment is cleared the bankAttached is also the settlement balance which has showed it cleared my bankAccording to the response from GM Financial "Our records reflect that the account was settled in full on November 13, with MRS, a third party agencyPlease allow 30-days for this information to update and reflect accordingly." This means that the account is settled; has fully cleared the bank and has already "updated" the payment in under 30-days so reported by the creditorAs a result; there seems to be no headway with the originating creditor as they can not "update accurately" the informationTherefore my action stands that the entire? trabe deleted immediately from all three credit bureaus due to the continued slanderous information being supplied to the credit reporting bureaus which does not actively reflect the current information at handPlease see the below information as it seems to the only source of information that is being recorded? accuratelyI also request that the "paid in full" letter me immediately sent to my mailing address that both GM and MRS have on fileIf no appropriate action can be taken? immediately, I have accurately and diligently recorded all information, payments and conversations with MRS and GM along with kept all? correspondences and updated reports with all information? selected to the willful negligence of the reporting creditorAgain I demand that the entire? trabe immediately removed from all three credit bureau agencies.This is the e-mailed letter from MRS BPO:

October 27, Complaint ID: [redacted] ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? [redacted] Dear Ms [redacted] , Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information On July 27, 2015, you and [redacted] entered into a Retail Lease Agreement (“Contract”) for a GMC TerrainWithin the agreement, you agreed to a month lease term with a monthly payment in the amount of $per month, due on the 27th day of each month Although you have advised GM Financial that through divorce proceedings Mr [redacted] was awarded the responsibility for this lease, the contractual obligation still remains for all parties who entered into the contract In order to have removed your liability, prior to the maturity of the lease, the party intending to assume sole responsibility would have needed to contact the dealership who originated the lease and have had to apply for the lease in their name onlyPlease understand that this would be the same process as when the lease was initiated in 2015, including credit approval Should you have any further questions or require additional assistance, please feel free to contact GM Financial at ###-###-#### Sincerely, GM Financial

August 31, RE: Complaint ID: [redacted] Dear Mr [redacted] , Thank you for forwarding the correspondence sent to the Revdex.comI would like an opportunity to address your concerns, however additional information is requiredAt your earliest convenience, please provide your full GM Financial account number or the last four digits of your social security numberUpon receipt of this information I will research this matter Sincerely,GM Financial

October 2, Re: Complaint ID: [redacted] Dear Mr [redacted] , 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

Complaint: [redacted] I am rejecting this response because:The payment in question was for June and should be at days late, 7/31/17, instead of 8/1/as misinformed, causing a 60day late negative report on my credit report due to delay in anticipated delay due to poor customer service from GM financial? I see that you posted the FAQ on payments posting? Shouldn't the agents know what are the FAQ's? ? Why would there be a discrepancy from your policy and what your representatives say? ? Are you saying we as a customer should never rely on an agent's response during a call, because at the end of the day, what matters/will be honored is what is written and posted online? ? Regards, [redacted]

October 18, Re: Complaint ID: [redacted] [redacted] Dear Ms [redacted] , Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information As a courtesy, GM Financial an additional $of the Excess Wear and TearPlease be advised a zero balance letter will be mailed to the address on file Should you have any additional questions regarding this matter please feel free to contact Lease Customer Service at ***-***-*** Sincerely, GM Financial

TelJuly 16, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] Dear Mr***, 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

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] They act like they cant pull up my info without the account number or social but I see for NOW they've stopped callingAcct # [redacted] Now never call me again!? ? Regards, [redacted]

May 22, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] Dear [redacted] ***, Thank you for the correspondence sent to the Revdex.com I would like an opportunity to address your concerns; however, additional information is required At 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

September 23, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] 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 provide GM Financial with your current address, once this information is received the title will be released Should you have any further questions or require additional assistance regarding this matter, please contact Customer Service directly at ###-###-#### Hours of Operation: Monday through Thursday, 7:a.mto 8:p.mCT Friday, 7:a.mto 7:p.mCT Saturday, 7:a.mto 4:p.mCT Sincerely, GM Financial

July 12, Re: [redacted] Complaint ID: [redacted] Dear Ms [redacted] , Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information On April 13, 2017, you signed a Retail Installment Sales Contract for the Dodge Charger in the amount of $29,at an interest rate of 18.05%The contract terms you agreed upon, state the loan would be repaid in monthly installments in the amount of $per month, beginning May 28, GM Financial understands that customers may face financial hardships throughout the life of their loanPlease understand that deferments are not a contractual obligation and are not always availableAt the time of the request, your account was not currently eligible for this type of payment assistance 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 to alter the redemption amount, the amount quoted would need to be paid in full to redeem the unit per state law Should you have any further questions or require additional assistance with regard to this matter, please contact GM Financial directly at ###-###-#### Sincerely, GM Financial

May 17, Re: Complaint ID: [redacted] [redacted] Dear Mr***, Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information On May 16, the decision was made to place the vehicle out for repossession, as allowed by your contractAt this time the account was over days past dueThe “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 10, These notices explained that you would be required to pay the difference between the amount owed to GM Financial and the amount the vehicle sold for, plus expenses if you opted not to redeem/reinstate the vehicleAfter the sale of the vehicle at auction, a “Deficiency Calculation” letter was mailed to the address of record on August 27, to inform you of the remaining balance owed 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 Please be advised GM Financial is required to send a 1099-C to the Internal Revenue Service when an identifiable event occurs, pursuant to the Internal Revenue Code and the attendant Treasury RegulationGM Financial determined an identifiable event pursuant to the Internal Revenue Service regulation occurred for calendar year and sent a 1099-C to you as required by the Code and RegulationsPlease understand that the debt was not canceled or forgiven rather it was discharged and deemed as a loss to the companyThe 1099-C was sent as required by federal law Included for you review is a copy of your Account Payment HistoryIf you have any questions or require additional assistance please contact GM Financial at [redacted] Sincerely, GM Financial

Complaint: [redacted] I am rejecting this response because:Account Number: [redacted] Regards, [redacted]

March 21, Re: Complaint ID: ? ? ? ? ? ? [redacted] Dear Ms [redacted] 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 I have mailed a copy of your Retail Installment Contract, Payment History, and your Final Installment Payment Agreement as requested Should you have any further questions or require additional assistance, please feel free to contact GM Financial Customer Service at [redacted] Sincerely, GM Financial