GM Financial

Complaint: ***
I am rejecting this response because: My credit score has dropped over points due to you all incorrectly or not at all reporting to the credit bureau about me paying my car noteI asked that you remove the loan completely or compensate me for the "months you all have on my credit report that I didn't not pay" I paid all my car note payments, not to mention I paid them on timeYou all have ruined my credit score and sending it to the credit bureau is not enoughI need my compensation for my credit score dropping or the car loan removed.
Regards,
*** ***

April 27,
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 the
final payment in the amount of $posted to your account on April 25, 2018, with an effective date of February 27, The account is now closed and currently reflects a zero balance
We apologize for any inconvenience you have experienced as a result of this situation and 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 excellenceShould you have any further questions or require additional assistance, please feel free to contact GM Financial 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,
*** ***

November 17,
Re: Complaint ID:
*** * ***
Dear Mr***,
Thank you for the correspondence sent to the Revdex.comWe would like an opportunity to address your concerns, however additional information is requiredAt your
earliest convenience, please forward us your full GM Financial account number or social security numberUpon receipt of this information we will research this matter
Sincerely,
GM Financial

February 28,
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 January 17, 2011, you signed a Retail
Installment Sale Contract for a Mazda in the amount of $15,at an interest rate of 18.85%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning March 3, At your request, GM Financial processed a total of eight deferred payments that extended the maturity date of the contract to October 3,
Your GM Financial account matured on October 3, 2017; at which time the balance was due in full for the amount of $4,Our records reflect that a maturity letter was mailed to the address on file on October 3,
Please be advised numerous efforts were made to contact you with regard to the status of the accountOur records reflect that we last spoke with you on February 8, 2018; at which time no firm arrangements were made on the accountThe last payment received on the account was on January 29,
On February 15, the decision was made to place the vehicle out for repossession, as allowed by your contractThe 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
The “Notice of Right to Redeem or Reinstate” and the “Notice of Our Plan to Sell Property” were mailed to the address of record on February 21, by United Stated Postal Service (“USPS”) Certified MailPlease note that after a review of this account, all statutory notices were mailed to you at your last known addressIn accordance with the applicable law, the statutory notice provided information about how and when to secure any personal property left in the vehicleThese notices also explained that you would be required to pay the difference between the amount you 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 your address of record on June 27, to inform you of the remaining balance owedPlease understand the responsibility for this contractual obligation remains
Included for your review are copies of your contract and account payment historyShould you have any further questions or require additional assistance, please contact GM Financial’ s Customer Service department at ###-###-####
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because:
Regards,
*** ***
thank you for your response my account number is *** my concern is the EARN TAX of per month on my lease payment. my lease contract line "I" base payment $159.82line "J" sales tax 15.18line "M" total monthly payment $ 175.00 why am I being charged an additional per month when the tax is included in the payment also the call center and the corporate office phone number in Texas are a joke, even the corporate office just transfers me immediately to a different extension where I have to hold for 45 minutes

Complaint: ***
I am rejecting this response because:I did not sign any contract that included the stipulation that lease transfers must occur in state only GM Financial only imposed this after the fact I was never told I could not transfer the vehicle out of state This was gross misrepresentation of the product GM Financial will end the contract without penalty or allow me to transfer the lease out of state
Regards,
*** ***

As I have stated before, I called Bay View in September after my car was paid off because they were still on my car registration from California I talked to a *** *** stating that I had not received my car title She claimed they mailed it to my address She then sent me a release of lien letter that she said would remove them from my registration It did not Unfortunately after being laid off from my full time job my focus was on finding work and yes it took years I finally had to move because of the work situation Oregon DMV needs my car title I have been on the phone for hours with your office, CA DMV & WV DMV I talked to a supervisor at GM Financial who told me to go to your getmycartitle website I followed those instructions to no avail I had to pay money that I don't have for an unnecessary release of lien letter that I already have I sent that to WV as instructed I lived there in where they gave me a Non-negotiable title I am not registered in WV But in your web site my car is listed as registered there WV DMV tells me they do not have my title I went back to your getmycartitle web site again last Sunday to try for the title Their response, we cannot create a Duplicate Title for the stae is WV for a Retail account What is that suppose to mean? I have taken the steps asked of me Someone on your end dropped the ball When I called in *** *** tried to send me to the same website Why, couldn't you send me a duplicate title at that time? I think your web site is just a scam to get more money out of people I think you need to send me a duplicate copy of my title You should have done that when I called the first time instead of blowing me off like you are doing now I will never do business wih your company on any level and will warn others You obviously have my records and car information Your web site isn't giving me my title for some reason that I can't explain If it won't release my title why do you keep suggesting I go there? Bay View Acceptance Corporation/AmeriCredit Company now GM Financial are responsible I think you need to do whatever it takes to make sure I get a duplicate title because you dropped the ball in the first place You say you mailed my car title and I'm telling you again I did not receive it

Complaint: ***
I am rejecting this response because: Per the Credit Reporting Agencies there is no law that states this claim. Credit reporting to the agency is completely at the discretion of the agency reporting and their own internal policies. Thank you for not helping out a customer in good standing with you. You only show to prove that big business just wants the consumers money and care nothing for the consumer
Regards,
*** ***

Complaint: ***
I am rejecting this response because: Upon checking my credit history, I see that March payment was reported lateMarch payment was made on the 13th of MarchCan this be corrected? I also never received the extra key that was made during the repossessionIs there anything that can be done about this?
Regards,
*** ***

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information On June 13, 2015, GM Financial provided *** *** with the overnight payoff address and a payoff quote good for days for the BMW
SeriesFurther review of your account reflects that on the dates of June 17, and June 20, 2015, GM Financial representatives notified you that no payoff had been received from the dealership and that the account would remain in a delinquent status until the receipt of the payoff. The payoff for your account was received on June 30, 2015, at this time the account was days past due for the May 19, installment paymentPlease note that on the date you provided as the trade in date, the account was already days past due for the May 19, installment paymentResponsibility for this contractual obligation remains with you until the payoff has been received for your account; the trade in of the vehicle does not negate this obligation 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 bureau reporting agencies with accuracy; and as a result, we are unable to make any changes or deletions to the credit bureau reporting at this time. Should GM Financial receive written documentation from *** *** indicating that they are at fault for the delay in the receipt of the payoff, GM Financial will reconsider your request for removal of the derogatory mark reported on June 19, The letter must be on the dealership’s letterhead and include contact information for the person furnishing the letter on your behalf. Should you have any further questions or require additional assistance with regard to this matter, please contact GM Financial at ###-###-####. Sincerely,GM Financial

Complaint: ***
I am rejecting this response because this is the same response I've been getting via phone or online chatI want someone to contact me immediately to fix this problemMy phone number is ***
Regards,
*** ***

February 15,
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
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 ***
Sincerely
GM Financial

November 30,
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
Per your lease agreement a
payment of $is due on the 9th of each monthGM Financial reports to the credit bureaus when the past due balance becomes more than days delinquentLate fees are assessed when a payment is not received within days of the date it is dueOur records reflect that there are no late charges assessed or a credit mark on the account at the timePlease be advised the Automatic Payment Plan was effective November 9,
We apologize for the poor level of service you feel you have receivedPlease 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
If you have any further questions or are in need of additional assistance regarding this matter, please contact GM Financial at ***
Sincerely,
GM Financial

November 24, 2015I contact GM Financial and spoke to *** *** * ***, on 11/24/at that time I was informed that the settlement could be no lower than $he was to send me the agreement/documents/letter in the mail (I gave him my exact address including making sure he understood my apartment was D (stating D like David) and via e mail at ***.He also stated that after payment it would take 30-days for this to be updated in the system and sent to the three credit reporting agents - I am asking that this be expedited.December 1, 2015I did not receive anything via United States Postal Service or e-mail I then call him again He stated the letter was sent to apartment B, I also told him I did not get an e mail; stated he was taking it to customer service so they could e mail it to me.I can be contacted via ###-###-####December 3, 2015I did not receive anything any e mails and I again contacted GM Financial this time opting to speak with someone else other than Anthony I spoke to *** *** * *** He look at the information and stated the other agent for whatever reason did not put in the email (or didn't follow through) He told me he would have it printed out signed by his manager and send it to me within the next minutes that was approximately 1/pm eastern it is now after pm and I have not received any emails. I am now requesting that this matter be turned over to someone who will follow through on taking the necessary steps so payment can be made and the credit reporting agencies will be informed

Again, the issue is NOT whether there is a balance, the issue is that I am considered past due $dollars when you received over $14kIt's simple mathThanks for nothing.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, the last four of SSN is ***
Regards,
*** ***

Empathy does not solve my issue AT ALL! I wonder if anyone else has had the same problem but I'm more than sure I'm not the only oneSo much technology available these days you mean to tell me you don't have a system in place to assist when something like this happens, whether it be the consumers fault or your own and in this case it's BOTH. I'll admit my faults but I'm still waiting on the company to admit theirs, but oh that's right they can'tWhy is that, because they don't record their phone callsI had a phone call that I wanted pulled and was told it wasn't available because it wasn't recordedNow see I have a problem with that, how am I going to "show" you where you all opened your mouths twice and made a mistakeI explained to them don't talk to me like everyone in your company is perfectAdmit that mistakes happen, tell me that yes they may have told you what you're saying MsHowardNope, nothing of the sort, instead you want to tell me "based on the notes". To my recollection you are depending on a human being to recall the facts of a phone call as best as they canWell there is ALWAYS room for human error, again I admit mine...when are you going to admit yours??? The fact that you use a 3rd party to process payments can be a hindrance within itselfWe have come so far and you're basically telling me that you "can't see" what is going onWhat type of customer service is this where the deptscan't see the same thingYou show payment being submitted while your bank (that you have no access to) shows otherwiseTell me how does that help the consumer when billing comes into playAll of this is rhetorical at this moment but my issue isn't resolvedI have submitted another complaint simply because your customer service fails to lack the capacity of giving consistent informationBecause of the lack of competency we are here on Revdex.comI'm being "talked" to as if my issue is going to directly affect the individual to whom I'm speaking to at the timeMy issue isn't coming out of your *** ***'s check, Brit's check, and *** or *** at the corporate office's checkYes I spoke to corporate as well because you all need to get it togetherNever in my life have I had to report a company...NEVER! Do you want my business or not? Do you want business with future consumers or not? I only care about one thing, figure it out!

Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information.We apologize for any miscommunication you feel may have occurred.GM Financial places a high priority on adhering to all state and federal lawsThe state of Missouri requires a cure period or notice of repossession be mailed prior to repossession twice per contractThese notices were mailed to both parties liable for this contract at your last known address on May 12, and August 12, The decision was made to place the vehicle out for repossession, on September 2, 2015, 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 lawsAs you were previously advised, our records reflect that the deferment amount was due on August 21, and that numerous phone calls were made, to both parties of this account, and voice messages were left in an effort to discuss the status of the account from August 24, up through the date the repossession occurredE-mail correspondence was also sent to *** regarding the status of the account on August 31, 2015, September 8, 2015, and September 16, 2015; prior to the date of the repossession.Please be advised that the repossession company is an independent contractor and is licensed as suchAny claims against their company, like those regarding the damage to your driveway, will need to be addressed directly with their company and/or licensing authorityPlease understand that not all telephone calls are recorded and are for internal use for training purposes onlyIncluded for your review is an additional copy of the e-mail sent to *** on September 8, 2015.Should you have any further questions, please feel free to contact GM Financial at ###-###-####.Sincerely,GM Financial

Revdex.com:
My account number is ***. I sent a copy of letter from GM starting account paid in full and a copy of my bank statement showing the $payment made to GM Financial. I expect a check issued immediately for overpayment
Regards,
*** ***