GM Financial

Complaint: ***
I am rejecting this response because I'm not understanding what you meanI know payments are due on the 11th and from calling the representatives and asking them when my days for it to not report over days in my credit report they give me the date to pay and I pay it on that they givenBut then another agent tells me in order for the payment to be applied the same day it has to be with a credit card and when paying with check it will not be applied until the next daySo either they have giving me bad information which shouldn't be my fault or they do not know what the process isAll this time I been told payments with check are applied the same dayAnd regarding late payments I have called right away when the website was having issues when there where issues with the system upgrade done by GM on their site and it was a know issue of thisSo why would my payments be considered late when the website was down an I made agents aware of it and they new about the payment issues not being able to be doneI'm attaching a screenshot of the message I got when I tried making a payment
Regards,
*** ***

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
On July 23, 2014, you entered into a Closed End Motor Vehicle Lease for a Chevrolet SilveradoWithin the agreement, you agreed to a month
lease term with a monthly payment in the amount of $per month, due on the 23rd day of each monthGM Financial was not present during the signing of the Lease and was not privileged to any agreements between the two parties
As outlined in your lease agreement, you are responsible for excess wear and use and excess mileage charges as described within the LeaseYou have the option of purchasing the vehicle at the end of the Lease termAs GM Financial is an indirect lender, you will need to contact your dealer for finance options
Included for your review are copies of the LeaseShould you have any further questions or require additional assistance regarding your lease, please contact GM Financial at 1(855)719-
Sincerely,
GM Financial

July 26,
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
After further review of
the account, GM Financial was not able to locate the missing payment in questionPlease be advised, additional proof of payment from your financial institution is required, as the payment was submitted through a third-party vendorYour financial institution will need to request proof of disbursement from their vendorAs a courtesy, GM Financial waived the late fees on the accountAs of the date of this letter, the account is paid in full
The contract is a simple interest contract, meaning that interest is accrued daily on the unpaid portion of the amount financed, as indicated on the face of the contractGM 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 with regard to this matter, please contact Customer Service at ***
Sincerely
GM Financial

Complaint: ***
I am rejecting this response because:
Regards,
*** ***

Thank you for the additional correspondence sent to the Revdex.comPlease be advised due to your recent filing for Chapter Bankruptcy on March 4, 2016, your GM Financial account is currently under review
Sincerely,
GM Financial

I spoke to *** in customer service on Dec 10th and told her my husband had lost his job and we were doing the best we could. I did not have the $400+ that day because I had just paid my mortgage the week before and I could not pay until the 18th when I got my next check. This representative failed to put in the notes on the account that I arranged to pay on FRIDAY the 18th. My car was repossessed from my workplace before I even had a chance to make a payment on FRIDAY the 18th. I called GM financial customer service and was told I had to talk to the reinstatement department. I made multiple phone calls on Friday and left messages with no return calls. I called customer service back and asked if there was a way to reach someone because the phone number they gave only allows you to hold for seconds before dumping you into voicemail even though it says you can hold for a representative. Morris said that is the only phone number for them. He offered to confirm that Reposessors Inc had my vehicle which they did. The information could have been gathered on Friday if someone would have returned my call.I had to continue calling back multiple times on Saturday until Brenda told me she couldn't help me and I'd have to call back Monday. I called back again and she returned my call saying she already told me she couldn't help me. I explained Morris confirmed my car was picked up and Repo Inc had the vehicle. She then finally explained she couldn't help me until she could talk to them and they were closed for the weekend and I'd have to pay storage fees for the vehicle. I explained that if I would have been able to make my payment on Friday as I stated to ***, none of this would even be an issue. Brenda transferred me to a customer service manager at my request since she did not have a manager in her dept on Saturday. I explained the situation to the manager who in turn told me she'd email the manager in the reinstatement dept and ask her to call me first thing Monday morning. I took off work on Monday to resolve this issue. I spent the entire day starting at 9am trying to reach a manager from the reinstatement dept. I left multiple messages again since you can't hold for a rep (now I'm up to 30+ phone calls with still no information). They called my home phone when I asked them to call my cell phone When we finally spoke that evening, I still had to ask for the manager as she had not even tried to call me. I was then told by the manager, ***, that the dollar amount was triple what I was told on the 10th. I explained there is no way I would have that kind of money by January 6th which is why I was told the only other option was to sell the vehicle at an auction. The manager stated they had made multiple phone calls to me over the months, but I did not have one phone call on my voicemail or answering machine stating GM Financial was calling and asking me to call them back. If they called, they didn't leave a company name. I don't return calls to people I don't know. I get many survey companies calling as well and do not choose to answer these calls, so there was no way for me to know this was GM Financial calling if they didn't state it in their message.I feel GM financial didn't work with me at all. They make it very difficult for someone to even get ahold of them. Maybe this is by design. The repo company even stated that they had heard GM Financial is an awful company to deal with. Your reputation preceeds you. It's very sad that your company will not work with people that come upon hard times and are still trying to make payments. It would be nice if you'd reconsider your response and actually work with your customers instead of making hard times worse....especially at this time of year. I understand I had a contract but was hoping you had a clause or a management staff with a heart like most others companies do. I have had many others willing to work with us while my husband continues to look for work. We all know that there is very little employment opportunities this time of year. If you don't make this right, I have no choice but to share my story with anyone and everyone I come in contact with. I am not the only one dealing with this same type of issue with your company. If you look online there are many complaints about GM Financial. This should tell you something

November 8,
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 you
were enrolled automatic monthly ACH payments to draft on your due date of the 7th of every monthPlease be advised that the payment in the amount of $made on October 7, was returned from your bank as unauthorized
Please note that the payoff check received from Heller Motors contained an incorrect account number and did not contain any information pertaining to you or your accountGM Financial was contacted by the dealership on October 11, in order to provide additional information to locate the checkThe payoff was posted to your account on October 13, with an effective date of October 2,
We would like to apologize for any inconvenience you have experienced as a result of this situationUnfortunately, we are unable to fulfill your request to refund fees charged by your bankShould you have any additional questions regarding this matter, please feel free to contact GM Financial at ***
Sincerely,
GM Financial

July 9,
Re: Complaint ID: ***
*** L***
Dear Ms***,
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

Complaint: ***
I am rejecting this response because:I have called and spoke to a CSR, their response has not changed - it could still take until July 15th it later for any payments to be reported to the credit bureauThis response is totally unacceptable
Regards,
*** ***

Complaint: ***
Hello, thank you for your responseHowever, until my account if resolved I will continue to move forward with my complaintThanks
Regards,
*** ***

February 14,
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 requiredIf you are unable to provide this information, please contact GM Financial at (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,
*** ***

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information. Our records reflect that a payment in the amount of $was submitted using a mobile device on May 15, at 4:pm (CST)When
you selected “Make Payment” within the Western Union SpeedPay system, you agreed to and authorized this transactionThe payment method you chose to utilize is completely consumer driven, initiated, and authorizedGM Financial is unable to stop or alter these transactions on your behalf At this time, the payment has not yet been returned to GM FinancialAs you were advised on May 19, 2016, Western Union will attempt to pull the payment a second timeYour intentions regarding remitting the payment to GM Financial again on June 1, was documented; however, GM Financial cannot stop the second attempt by Western Union. While we empathize with your situation, GM Financial is unable to refund any bank fees that you may have assessed due to the payment being returned Should you have any further questions regarding this matter, please feel free to contact Customer Service at ###-###-####. Sincerely,GM Financial

March 15,
Re: Complaint ID: *** *** ***
Dear Mr***,
Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information
On February 18, 2014, you entered into a Retail Lease Agreement with *** *** *** for the Chevrolet EquinoxWithin the agreement, you agreed to a month lease term with a monthly payment in the amount of $per month, due on the 18th day of each month beginning February 18,
As outlined in the Lease agreement (See Page 2, under Other Term and Conditions Return of the Vehicle), you will return the vehicle in clean conditionIf you do not buy the vehicle from us under your purchase option, you agree to return the vehicle to us at a place we designateWhen you return the vehicle, you must give us a completed, signed odometer disclosure statementYou agree to pay us any amounts you owe under the Lease and have not paidAs of the date of this letter, there is a remaining lease liability balance still owed in the amount of $1,
Please understand that 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
Enclosed is a copy of the Retail Lease Agreement for your reviewShould you have any further questions or require additional assistance with regard to this matter, please contact Customer Service directly at ###-###-####
Sincerely,
GM Financial

August 23,
Re: Complaint ID: ***
*** ***
Dear *** ***,
Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information
As you have been previously advised, in order to refund one of these payments, proof of cleared funds is requiredProof of cleared funds can be a bank statement reflecting both payments and a before and after balance, or a letter from your bank on bank letter head referencing that both payments have cleared as well as the dates cleared; this letter must also provide the name and contact information of the bank representative providing the informationPlease understand that the refund process can take 3-weeksYou may fax the proof of cleared funds to Lease Servicing at ###-###-#### or you may email the documents to [email protected]
Should you have any further questions regarding this matter, please contact Lease Servicing 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
On August 28, 2015, you signed a Florida Closed End Motor Vehicle Lease for a GMC AcadiaWithin the agreement, you agreed to a
month lease term with a monthly payment in the amount of $per month, due on the 28th day of each month
Please be advised for a Lease account, the website is only able to reflect the current amount due, at the time it becomes due If your account is current at the time of log in, a payment will not be reflected till after the due dateIn the month of October 2015, the account was reported past due to the credit bureau reporting agencies for the September 28, base rent due dateGM Financial received a payment of $499.10, on November 3, 2015, for the September base rent due date; at this time the account was days past dueThis payment was received by paper check at the payment lockbox locationFurther review of our records indicates the first payment submitted by ACH was received on November 25, 2015, and applied toward the October base rent due date
Please note payments are posted to your account the same date they are received by the payment processing center If you choose to mail in your monthly installment payment, GM Financial is not responsible for delays in delivery by the United States Postal Service (“USPS”) If you would like to avoid additional mailing time, you may utilize other payment options such as payment by phone, IVR, or online at www.gmfinancial.comThese payment options are provided by Western Union and are subject to a convenience fee if applicablePayment options available at no cost include the ACH payment option online or the GM Financial Automatic Payment PlanOnline access is available to all customers; however certain restrictions may apply
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 comply with your request to make any changes or deletions to the credit bureau reportingOn October 23, 2015, a late fee in the amount of $was waived as a courtesy; no additional late fees will be waived
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 excellenceGM Financial takes all complaints seriously and we appreciate you bringing this matter to our attentionShould you have any further questions or require additional assistance regarding this matter, please contact GM Financials Lease Servicing Department at 1(800)369-
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 meExcept for the fact that we were told this would of never been take in the first place Also we have been told on more than one time that a check would be cut and mailed over night by the 22nd on November and that did not happen Was also told that we would get a return call and that did not happen So we will believe the fact that a check was cut and mailed once we get it Until that happens we believe this response to be useless
Regards,
*** ***

Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information. Your account payment history has been reviewed and the April 24, base rent payment was received on May 25, 2016, when
your lease account was days past dueAs this date was also the reporting date for your account, GM Financial has submitted a request to remove the negative information reported on that datePlease allow 30-days for the credit bureau reporting agencies to reflect this updatePlease be aware that GM Financial reports to the credit bureau reporting agencies days from your base rent due date each month. Should you have any further questions or require additional assistance, please contact Customer Service at ###-###-####. Sincerely,GM Financial

Complaint: 1***
I am rejecting this response because:per my lease agreement, I had the right to a pre-inspection and the opportunity to make any actual repairs myself to avoid excess wear and tear chargesI was advised that I could be present for a preinslection at the dealership prior to the actual inspectionI was told that I would be called when this was scheduled and I was not notified of an appointmentGM instead skipped the pre-inspection and billed me for hours of hypothetical labor that was never performed on the vehicleThe car also sat on the dealership lot for weeks, prior to the GM inspection and out of my possessionSince I was not given my right to the pre-inspection I cannot agree with the amount of damage that was photographed on the vehicleWhen the car was left with the dealer there was not the amount of damages that was provided in the photographsI believe GM Financial is I’m breech of contract as I was not given my right to the agreed upon pre-inspection prior to these outlandish charges being processed against me.
Regards,
*** ***

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer you the following information. GM Financial was not present during the contract negotiations between yourself and Jeff Wyler ChevroletOn April 21, 2012, you signed
a Retail Installment Sale Contract (“Contract”) for the Chevrolet Impala in the amount of $34,at an interest rate of 11.90%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning on June 5, The contract is a simple interest contract which means interest accrues daily on the unpaid principal balanceIf all payments were paid by the installment due date, the account would be paid in full on the contract maturity date. In review of your account activity and payment history additional interest has accrued over the life of the loan due to payments being made after the scheduled due date and deferments that were processed at your requestOver the life of this loan; four deferments were processed at your request for the months of August and September of and June and July of The account has also been paid past the installment due date on numerous occasions; including times over days past due, time over days past due; and time over days past dueIt is important to understand that when payments are paid late or deferred, interest will continue to accrue on the unpaid principal balance Please understand that enrollment in the GAP program is voluntary and is not required to obtain creditYou purchased this GAP program from Western Diversified Services, Inc.; not GM FinancialAs such, GM Financial cannot account for what the GAP program will and will not cover in the event of a claimYou will need to contact Western Diversified Services, Incto discuss your policy. GM Financial received a payment of $4,from Western Diversified Services, Incon August 17, The remaining amount required to pay off the account on the above vehicle is $4,This payoff must be received by September 5, and is subject to change if the payoff expires, changes to the account payment history occur or fees assess to the account. Included for your review are copies of your Contract, Account Payment History, and GAP Addendum. Should you have any further questions or require additional assistance, please contact the Total Loss department at 1(877)203-5536. Sincerely,GM Financial