GM Financial

Complaint:
I am rejecting this response because: While it is true that GM Financial sent a payoff statement, what they sent is useless because it only contains a total payoff amount and no details of what that amount is forIn order to get my vehicle refinanced, I must get a detailed payoff statement that show what portion of the payoff is for the remaining lease payments, what portion is for the residual balance, what portion is for sales tax on the residual buyout balance and any other miscchargesThe payoff statement must have my name listed as co-leseeI have stated that this is what I need many times and I am being told that they cannot provide this detailed informationWhat business cannot provide a detailed statement of what they are charging? As before, GM Financial will disregard the details that I am seeking and say that they have sent a payoff statementHopefully someone at GM Financial will read this request in it's entirety and respond addressing my detailed request and not just say, we sent a payoff statementThat is a total copout
Regards,
*** ***

May 9,
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
Upon review of the
account, our records indicate that you are represented by an attorney, we are unable to communicate with you further as all communications must be directed through your attorney pursuant to Federal law
Should you have any further questions or require additional assistance with regard to this matter, please contact Customer Service directly 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, as I received my Title via overnight mail yesterday, 9/26/
Regards,
*** ***

February 28,
Re: Complaint ID: *** *** ***
Dear *** ***,
Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information
Please be aware, your
payments are due on the 22nd monthly according to your installment contractBilling statements are scheduled to be mailed fourteen days prior to your due date
We are aware of an issue regarding monthly statements arriving delayed to consumersWe apologize for any inconvenience this has caused and appreciate your patience while we resolve this matter
You can also manage your account online and access a copy of your billing statement by registering a MyAccount profile at www.gmfinancial.comYou may also call GM Financial at 1-800-284-at any time to check the status of your account
Should you have any further questions or require additional assistance please contact GM Financial at (800) 284-
Sincerely,
GM Financial

??? I am very confused? You just reject what I am pointing out?Here is the law as the way that I understand it based on what I have read.What the Debt Collector Must Include in its CommunicationUnder the FDCPA, a communication from a debt collector must meaningfully disclose the identity of the debt collector and provide what is called a “mini-Miranda” warningThe communication must: identify the debt collector (name, employer, and telephone number) state that the communication is an attempt to collect a debt, and state that any information obtained will be used for that purpose.GM Financial is claiming they are leaving me messages but they do not fit this mold or the mold that they themselves put forth when they originally called me asking for my money from my insurance company The messages they leave and I have several copies now only includes the persons name a phone number along with a time to call back.I asked them about this law on the phone and now through this venue Is there not an answer for this? Did they actually do what they are allowed to do?It is a very sad day when a company like this has the ability to help one of their customers at no cost to themselves and they choose not to Then on top of that when you add this practice how would anyone know more than I did?I will not be ok with this ruling without understanding this law and if it is being broken or not. Regards,
Jeremiah Keisling

February 23,
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 be
aware, you are only responsible for a payment in the amount of $due on the 28th of each monthPlease be advised the earn tax amount of $is included in the total installment payment of $
Should you have any further questions or require additional assistance in regards to this matter please contact GM Financial at (800) 284-
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because:
Account number: ***

Complaint: ***
I am rejecting this response because: I have been advised by your total loss deptthat the loan was paid in full pending payment from the gap loss coverageI do not agree with your letter, as I was advised 3x on the phone that I did not owe any moneyThis has been an ordeal trying to get someone in your company to resolve this and answer my questions.
Regards,
*** ***

September 6,
Re: Complaint ID: *** *** *** ***
Dear MrEaves,
Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
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 excellence
We appreciate you bringing this matter to our attention and apologize for any inconvenience this has causedWe have included is a copy of the property tax bill for your account, as per your request
If you have any further questions or are in need of additional assistance regarding this matter, please contact GM Financial at ###-###-####
Sincerely,
GM Financial

Attached please find page letter dated 3/8/to GM Financial mailed to different parties at GM one being Consumer Complaint Specialist.Thank you in advance.Respectfully,*** ***

Complaint: ***
I am rejecting this response because: no one reached out to me and the gesture isn’t big enough I received a bill for $$and it was cut to $ Based on my conversation with a Chevrolet service specialist I anticipated, at the most $in damage to the car that would’ve been cut in half by the $damage waiver I received for purchasing the new car
Regards,
*** ***

February 14,
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 July 7, 2015, you
entered into a Closed End Motor Vehicle Lease (“Contract”) for a Buick RegalWithin the agreement, you agreed to a month lease term with a monthly payment in the amount of $per monthOn December 15, you were quoted a payoff amount of $25,At the time of the discussion, you had a December balance in the amount of $in addition to nine full payments remaining on your lease agreement
We have removed the Excess Wear and Tear charge of $237.00, leaving a balance of $3,This balance includes the base lease payments remaining of $3,376.71, December’s past due payment of $278.40, and $in taxesThe check received on January 23, in the amount of $3,was applied to your account leaving a balance of $still duePlease be aware, you are still responsible for maintaining the monthly installment payments and are still subject to monthly credit bureau reporting until the account is paid in full
If you have any questions or require additional assistance, please contact GM Financial at 1-***-***
Sincerely,
GM Financial

August 21,
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
Please be advised GM Financial contacted Carr Auto
Group to verify the return and early termination of the Chevrolet SparkPlease note the vehicle is currently pending sale, once complete a final bill will be sent to your address of record
We apologize for any inconvenience this situation may have causedShould you have any further questions or require additional assistance regarding this matter, please feel free to contact Lease Customer Service department directly at ###-###-####
Sincerely,
GM Financial

March 2,
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
Please be advised that
the payment in the amount of $made on January 26, was returned from your bank as unauthorizedWhen you advise your bank that an ACH transaction from GM Financial was not authorized, we are unable to process future ACH transactions using the same account 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
Should you have any further questions or require additional assistance, please feel free to contact GM Financial Customer Service at ***
Sincerely,
GM Financial

March 23,
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
Our records do not reflect that your GM Financial
account is being reported to the credit agencies as a paid charge-offShould your records reflect this, please forward a copy of your credit report to fax number ###-###-#### for review
Should you have any further questions or require additional assistance with regard to this matter, please contact Customer Service at ###-###-####
Sincerely,
GM Financial

February 5,
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
Our records indicate that the
payment in the amount of $has been posted to your account, effective January 12, The late fee assessed for the December installment has been waivedPlease be assured that GM Financial takes pride in providing world-class customer service and is totally committed to achieving excellenceWe apologize for any inconvenience you have experienced as a result of this situation
Should you have any additional questions regarding this matter please contact GM Financial at 1-***-***-***
Sincerely,
GM Financial

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
On May 28, 2014, you signed a retail installment sales contract for a Chevrolet Cruze in the amount of $23,at an interest rate of
9.90%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning July 12,
A review of your account reflects that several arrangements were promised on your account; however, these arrangements were not satisfiedOn May 13, 2016, the decision was made to place the vehicle out for repossession, as allowed by your contractAt this time the account was days past duePlease note GM Financial places a high priority on adhering to all state and federal laws and a thorough review of your account has been conductedBased on the review of our internal policies and procedures, GM Financial believes that all state and federal laws have been adhered toPlease be advised the state of Illinois does not require a cure period or notice of repossession be mailed prior to repossession unless there is a co-buyer
A Further review of your account reflects that you have elected to reinstate the vehicleAll messages left for the reinstatement department will be returned in the order they are receivedPlease direct any questions regarding retrieving your personal property to Equitable-Calumet Park at ###-###-####
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 excellenceShould you have any further questions or require additional assistance regarding this matter, please contact GM Financial directly at ###-###-####
Sincerely,
GM Financial

January 23,
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
A refund has been requested, a check in the amount of $will sent in the next few daysPlease allow to business days from the time the check is issued for it to be receivedWe appreciate your patiencePlease be assured that GM Financial gives customer service a high priority and is totally committed to achieving excellence
Should you have any additional questions regarding this matter please feel free to contact Lease Customer Service at 800-369-
Sincerely,
GM Financial

May 17,
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 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 ***
Sincerely,
GM Financial

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 a due date change has been completed and changed to the 21st day of each month
In order for a due date
change to be processed on the account, the account must be current or brought current with the request of the due date change at the time it was requestedPlease note all previous due date changes were not processed because the account was not current at the time of the request
Please be advised, that at the time of your request on September 4, 2015, your account was days past due for the August 15, installment due date After the payment made on September 8, had been posted to your account, it would have been necessary for you to contact Customer Service and request the due date change
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
A copy of your account payment history has been included for your reviewShould you have any further questions or require additional assistance with regard to this matter, please contact GM Financial at ###-###-####
Sincerely,
GM Financial
Revdex.comThank you for your help, but what wasn't explained was I was contacted again by the Collections Department FOR paymentI set up the payment bringing the account current and the request still wasn't completed until after the factMy account hadn't been days late though since July of last year and I was on top of my Account until this? My included payment history doesn't show requests made prior and I would like the Call History pulled I can prove that GM FINANCIAL findings are Inaccurate