GM Financial

On February 9, I received a response from GM Financial requesting the account number to further research my initial concern. Then I received a response stating that if I believe this is a fraudulent account I am to taken certain actions. When I made my initial call made to GM Financial, I spoke to one of your company customer service representatives. He searched his data base, placed me on hold, then returned and stated to me that he couldn't my name nor account number in his system. I told him that there is an account reporting to the Credit Bureau's with a $6,balance and how do I get this removed. Then I received a letter in the mail confirming my conversation and instructions of how to file a complaint I also hired a credit repair company trying to have this account removed, and then I started to put in complaints with the credit bureaus myself to investigate this account.
It's a simple question: Do you have an account in your system with the provided account number and my name in your financial/data system? If not, please have the information removed from the Credit Bureau's immediately. the
It's obvious to me that by re-directing me to file out more paperwork to file a fraudulent case, I clearly have my answer that you don't have my name nor an account number. I would suggestion to have one satisfied customer, because of the many complaints I have reviewed, to fix this situation. I don't enjoy the ramifications of having my reputation tarnished especially when it affects my family. This is the only account keeping me from purchasing a home. I had been homeless and leaving with relatives for two years.
I need a response within days.

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 reflect that MrJames ***’s Lexus ISwas repossessed on January 20, 2016, due to non-paymentPlease understand
that with regard to repossession, the State of South Carolina is a redemption only state; therefore, the balance will need to be paid in full in order for you to get the vehicle back.Should you have any further questions or require additional assistance, please feel free to contact GM Financial at ###-###-####.Sincerely,GM Financial

June 19,
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
On March 15, 2018, you
enrolled your account in the online recurring payment plan through Western Union SpeedPay, effective with your March 22, 2018, due date and ending on January 22, Please note, your lease matures on February 22, As these types of transactions are initiated and authorized by the customer only, any changes to the payment schedule would need to be made by you online
Please be advised, the next payment is scheduled to draft on June 22, You can manage your recurring payment plan by logging in online at *** with your user id and passwordFrom the Account Dashboard page, click on the blue, “Pay Online” buttonYou will see four tabs on the top of the next page, select the “Manage Plans and Accounts” tabYou will find the option to view and/or delete the recurring payment plan here
A review of your account indicates a refund has been processed as of today’s date for the overpayment in April Please allow 7-days for delivery by the US postal serviceShould you have any further questions or require additional assistance, please feel free to contact GM Financial at ###-###-####
Sincerely,
GM Financial

Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information.Our position regarding this matter has not changedOur research concludes that the account status and account payment history have been reported to the credit bureau reporting agencies with accuracy; and as a result, GM Financial is unable to make any changes or deletions to the credit bureau reporting of your account.Included for your review are additional copies of the Welcome Packet mailed to your address of record on October 2, and the deferment agreement you acknowledged online on June 25, as part of the deferments processed at your request for the installment due dates of June and July Outside of your contract, these documents also provided you with an explanation of the type of contract you entered into with this vehicle purchase.Should you have any further questions or require additional assistance, please feel free to contact GM Financial at 1(800)284-2271.Sincerely,GM Financial

Complaint: ***
I am rejecting this response because: if I do not owe the additional 12.41why am I getting an invoice from you that says due with a due date??
Regards,
*** ***

June 26,
Re: Complaint ID:
*** M ***
Dear Ms***,
Thank you for the additional correspondence sent to the Revdex.comWe have reviewed your concerns and would like to offer the following information
On June 26, 2013, you entered into a Retail Installment Sale Contract (“Contract”) for the Infiniti Gin the amount of $30, The contract terms you agreed upon, state the loan would be repaid in monthly installments in the amount of $per month, beginning August 10,
As stated on your Retail Installment Sale contract (See Page 2, section (b) under Finance Charge and Payments), how we will apply payments We may apply each payment to the earned and unpaid part of the Finance Charge, to the unpaid part of the Amount Financed and to other amounts you owe under this contract in any order we choose
Our records reflect on March 23, 2018, a correction to your account was requested to apply the $that was posted on March 6, for the April payment due date On May 9, 2018, the account reflects a customer courtesy waiver in the amount of $for the late charges
In review of your account, as of today no derogatory marks for and current calendar year have been reported to the credit bureau reporting agencies with regards to your account
Should you have any further questions or require additional assistance, please feel free to contact GM Financial at ###-###-####
Sincerely,
GM Financial

Thank you for forwarding the additional correspondence sent to the Revdex.com. I have reviewed your concerns and would like to offer the following information
The insurance proceeds received on May 15, are intended for the repair of the vehicle. As you have indicated that the repairs will not be completed, the insurance proceeds have been applied to the principal balance of your accountYou are still responsible for maintaining the contracted installment payments
If in the future, prior to the payoff of the account, you decide to have the repairs completed on the vehicle; GM Financial will require a copy of the Insurance Estimate and Final Repair Bill for the repairs completedOnce GM Financial confirms the repairs have been completed per the estimate, the funds will be removed from your principal balance and be paid to the party who repaired the vehicle
We apologize for any miscommunication that may have occurredGM Financial may be able to offer payment assistance; if you are interested, please contact GM Financial at ###-###-#### to discuss options available to you
Sincerely,
GM Financial

this matter has not been resolved, however here is my account number for GM Financial to research: ***

February 8,
Re: Complaint ID: ***
*** ** ***
Dear Ms***,
Thank you for the correspondence sent to the Revdex.comWe have reviewed your concerns and would like to provide the following information
Please understand that we have provide all the documents we are able to provide, concerning the sales tax paid on behalf of your lease account to Pennsylvania State Sales TaxThe payment was paid using permit number ***, as there are not individual checks sent for each accountPlease understand GM Financial does not have a check number to provide to you
Should you have further questions or require any additional assistance, please contact Customer Service at ***
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because: I contacted the business in regards to these payment plans, and was told upon both times of contact that these plans were no longer being continued, as one was set up in errorI dont understand how I was told by two different people that these payment plans were cancelled, and that there is no issue with a double payment being charged both times, especially after an entire months head notice, and I even spoke to a representative the day before my second payment was processedTherefor, this means that I was given incorrect information from both representatives I had spoken with (who also could not find any record of other people speaking to me) and therefor caused a multitude of hassling effectsIf the employees of the company cannot let their consumers know that a plan wasnt actually cancelled (a plan that the business itself had to cancel as stated by multiple employees) let alone tell me that the second payment was already PENDING to be processed therefor causing an overdraft of funds in my account, how can I believe in the reliability of any statements made by the company, let alone trust them with my funds in the future? I was given information by multiple employees, therefor effecting my financial situation for an extended period of time after with absolutely no resolution and now punishments for disputing through my bank directly, as I now have to way to make payments through that checking account to the business now as it is flagged unreliable and will be bounced, therefor costing me MORE money to open a new account to make a payment
Regards,
*** ***

June 4,
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
Due to a recent enhancement, an issue was identifiedConsistent with our obligation to report only accurate information, GM Financial has suppressed reporting while remediation efforts are ongoingOn May 18, 2018, GM Financial submitted 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 updatesPlease understand that any disputes submitted through the credit bureaus prior to these changes may cause the credit agencies to void the update submitted by GM FinancialWe also mailed this information to the address on file on May 21, 2018, along with a credit rating letter for your review
We apologize for any inconvenience you have experienced as a result of this situationPlease be assured that GM Financial gives customer service a high priority and is totally committed to achieving excellenceShould you have any further questions or require additional assistance, please feel free to contact GM Financial at ###-###-####
Sincerely,
GM Financial

February 27,
Re: Complaint ID: *** *** ***
Dear *** ***,
Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
On April 30, you signed a retail installment sales contract for a Pontiac GC in the amount of $12,at an interest rate of 10.00%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning June 14,
Please note that GM Financial places a high priority on adhering to all state and federal lawsAs per Maryland state law, a cure notice was mailed to your address of record on September 26, Per this notice, you had until October 11, to cure this defaultOn November 16, 2017, the decision was made to place the vehicle out for repossession, as allowed by your contractAt this time the account was over days past dueBased on the review of our internal policies and procedures, GM Financial believes that all state and federal laws have been adhered toThe “Notice of Right to Redeem or Reinstate” and the “Notice of Our Plan to Sell Property” were mailed to your address of record on February 15,
GM Financial funded the purchase of this vehicle in good faith that all contractual repayment obligations would be honoredRepossession 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
GM Financial is both by law and by contract required to report truthful and accurate information to the credit reporting agenciesWhile there are times, and yours is one of them, where we might like to follow our hearts and the equities of the situation and ignore our legal and contractual obligations, we just cannot do soWe understand you are not disputing the accuracy of the credit information we have reported, however we have reviewed the data sent to the credit reporting agencies regarding your account and have determined that the information is accurately reported
Should you have any further questions or require additional assistance with regard to this matter, please contact GM Financial directly at ###-###-####
Sincerely, GM Financial

June 14,
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
A review of your account
reflects that the last regular credit bureau update was sent on May 22, in which the account was reported as currentPlease note that GM Financial has responded to all credit bureau disputes accurately and in a timely mannerPlease understand that any disputes submitted through the credit bureaus may void the updates submitted by GM Financial
In order to ensure that the account history is reflected accurately, GM Financial has submitted a manual update and forwarded the proper documentation to all three major credit bureausThe bureaus generally reflect the updated information within 30-days, if an update was required
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:
Regards,
*** *** as of 5/14/I haven’t received my title to my vehicleEvery time I call they say it’s out in the mailI just want my title to my car.

Complaint: ***
*** is my number
Regards,
*** ***

Complaint: ***
I am rejecting this response because: My GM Financial account number is ***
Regards,
*** ***

Complaint: ***
I am rejecting this response because:At time of loss and after signing the initial contract I have been paying for GAP coverage, and was told that as soon as payment was received by GM Financial that the GAP coverage would take in effect I am certainty not going to make payments on this loan when I have already made and maintained GAP coverage insurance at time of purchase My complaint is not regrading the loan itself it is regarding the GAP Insurance By initialing GAP insurance coverage I agreed to pay a extra portion included in my monthly loan payment, in return if and when the vehicle is determined a total loss by accident - then it was my understanding contractually that this coverage would take care of the difference My vehicle was determined a total loss by my insurance on March 7th, Contractually, GAP Coverage which I have already paid into should take effect there after as explained at time of purchase This was my included in my original complaint and I deem it still valid.
Regards,
*** ***

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,
*** ***In response to the request made by the business, the account number is ***

August 3,
Re: *** ***
Complaint ID: ***
Dear *** ***,
Thank you for the additional correspondence sent to the Revdex.comWe have reviewed your concerns and would like to offer the following information
On January 23, 2017, you entered into a Motor Vehicle Lease Agreement for the Chevrolet VoltWithin the contract terms, you agreed to a month lease term with a monthly payment in the amount of $per month, due on the 22nd day of each month beginning January 23, Payments are due according to the schedule outlined in your contract
Our research concludes that the account status and account payment history have been reported to the credit agencies with accuracy and in compliance with the Fair Credit Reporting Act (“FCRA”)Please understand that GM Financial is required to report truthful and accurate information to the credit reporting agenciesWe have not changed our position regarding the account and are unable to fulfill your request to make a goodwill adjustment to the credit bureau reportingA payment history was mailed to your address of record on July 24,
Should you have any additional questions or concerns with regards to this matter, please feel free to contact us directly (800)284-
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,
*** ***SSN ***Acct# ***