GM Financial

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,
*** ***

October 18,
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 informationOn February 25, 2011,
you signed a Retail Installment Sales Contract (“Contract”) for the Toyota Tundra, in the amount of $23,at an interest rate of 19.20%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning April 11, The contract is a simple interest contract which means interest accrues daily on the unpaid principal balanceIn 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 dateAll payments have been applied in accordance with the terms and conditions of the contract
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 datePlease note that throughout the time that the account has been active, eight deferments have been processed per your request for the months of February and March of 2012, October and November of 2012, August and September of 2013, and May and June of Please understand that when a payment is deferred or delinquent, interest still continues to accrueInformation regarding interest accrual was sent out to the address on file on September 17, and June 13, 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
Please be advised that you may contact the Expired Loans Department once the loan has matured on November 11, to set up further arrangements regarding the remaining balance
For your review are copies of your Account Payment History and ContractShould you have any further questions or require additional assistance with regard to this matter, please contact GM Financial directly at (***
Sincerely,
GM Financial

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information
In order for GM Financial to research and locate a missing payment, proof of cleared funds are requiredIf the missing payment has been cashed
by GM Financial, please fax in a front and back copy of the cashed item to ###-###-####, so that we may begin the research process
Our records do not reflect the receipt of a payment within the month of June of On July 13, 2016, GM Financial received a faxed copy of a Money Order receipt; however, this information is not sufficient to locate a missing payment
Should you have any further questions or require additional assistance, please feel free to contact Customer Service at ###-###-####
Sincerely,
GM Financial

The dealer faxed a letter to your company on Monday 20,I still need a letter to remove the MAY days late on my credit repor, so my lender can send to the appropriate people to removeI cannot wait the to days this is someone's problem and needs to be fixed as soon as possibleThank you

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,
*** ***

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!

March 13,
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

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,
*** ***

August 29, RE: Complaint ID: *** *** *** Dear Ms***: Thank you for forwarding the additional correspondenceWe have reviewed your concerns and would like to offer you the following information On February 24, 2011, you signed a Retail Installment Sales Contract (“Contract”) for the Dodge Ram in the amount of $23,at an interest rate of 11.00%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning March 26, The contract is a simple interest contract which means interest accrues daily on the unpaid principal balanceIn 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 which resulted in the unpaid principal balance that remains todayIf all payments are paid by the due date, the account would have been paid in full on the contract maturity date Please refer to your signed contract under the section entitled FINANCE CHARGE AND PAYMENTS; section a through cThese sections outline how interest is figured based on using the true daily earnings method, how your payments are applied and how late or early payments change what you must pay As of date, your total payoff is $1,and is good through September 8, Please note that daily interest will continue to accrue as long as there is an outstanding balance A detailed payment history and a copy of your Contract have been mailed to the address on file Please feel free to contact our office at *** should you have further questions or require additional assistance Sincerely, GM Financial Tell us why here

July 7,
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 June 16, 2011, you signed a Retail Installment Sales Contract (“Contract”) for the purchase of the Chevrolet Equinox in the amount of $17,at an interest rate of 13.95%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning on July 31, It is important to understand that this contract is a simple interest contract, meaning that interest is accrued daily on the unpaid portion of the Amount FinancedIn 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 which resulted in the unpaid principal balance that remains today
Please note that throughout the time that the account has been active, six deferments have been processed per your request for the months of August and September of 2012, November and December of 2013, and July and August of Deferments are used to assist customers in bringing their accounts currentPlease understand that deferred and delinquent payments cause additional interest to accrueAfter thoroughly researching your account payment record it has been determined that all payments have been applied accordingly
For your review, a detailed payment history, copy of your retail installment contract and the last five billing statements will be sent by mail to your address of recordShould you have any further questions or require additional assistance regarding this matter, please feel free to contact GM Financial directly at *** ***
Sincerely,
GM Financial

I am rejecting this response because: Account number is *** - Balance as of last statement $20,Chevrolet Malibu. Address *** * *** *** *** *** ** ***. I will not give my Social security number on here. If you would like to have someone call me my number is ###-###-####. Calling customer service didn't help. And talking to a supervisor was even worse. Extremely poor customer service. And I work for a bank. So I know how interest is accumulated. But the customer service/collections group I spoke with were not helpful at all. Regards,*** ***

May 24,
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 April 26, 2017, you entered into a Motor Vehicle Lease Agreement for the GMC TerrainWithin the agreement, you agreed to a month lease term with a monthly payment in the amount of $per month, due on the 26th day of each month beginning April 26, The first payment was included in the amount due at lease signing
Upon review of your account, we have verified that your account is set up on automatic ACH payments that began on June 26, A payment for the May 26, installment was not received, causing the account to be past due each monthMultiple attempts were made to contact you regarding the status of your account to the phone number ending in As of today’s date, the account is days past due
As a courtesy, GM Financial has waived the late fees in the amount of $that were assessed to your accountShould you have any further questions or require additional assistance, please feel free to contact GM Financial at ###-###-####
Sincerely,
GM Financial

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
In efforts to resolve this matter, GM Financial waived $1,for excess wear and tear and $in sales taxAs of the date of this letter, there is a remaining lease liability balance still owed in the amount of $
Should you have any further questions or require additional assistance with regard to this matter, please contact Customer Service directly at ###-###-####
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 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:
I have reviewed the response made by the business in reference to complaint ID ***, the last four of SSN is ***
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
I will not submit any dispute or change request to any of the bureau while GM Financial update their data. Also while updating PLEASE (Let all three bureau reflect the same information regarding my account, including payment history) Thank you and, I appreciate GM responding as well as Revdex.com helping me through this process
Regards,
*** ***

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information.Our position has not changed regarding his matterPlease also understand that any fees to retrieve personal property are assessed by the repossession agent and GM Financial is unable to assist you with regard to these costs.Should you have any further questions or require additional assistance, please contact GM Financial at ###-###-####.Sincerely,GM Financial

Complaint: ***
I am rejecting this response because:
My account number is *** and I have all the necessary documents needed to support my complaint
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 meI have finally after months received the title to my vehicle as of Friday November 3, 2017.I made a payment and will continue to do so now that I am able to register my vehicle
Regards,
*** ***

Complaint: ***
I am rejecting this response because: "Please be advised...." Which being translated means, "We hear what you are saying, but we aren't going to do anything about it." I will continue to reject any and all responses from GM Financial until my online account reflects the same information as provided in the payment summary Should anyone else read my responses......please do yourself a favor and do not do business with GM Financial They are consumed with corporate corruption and care absolutely nothing about the customerI did speak to a representative last Friday, which was probably the fifth or sixth person to whom I have spoken since I've had issues with my account Never have I spoken to the same person twice I am extremely happy with my vehicle I am TOTALLY frustrated with the financing I will never do business with GM Financial again They only know of one way (their way) of doing business and have no interest whatsoever in taking a good customer's needs into consideration....even when I am trying to PAY AHEAD my loan If Daniel Berce cares about the company he runs, he should either fix this problem or resign
Regards,
*** ***