GM Financial

September 6, 2017 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 July 10, 2017, you signed a Retail Installment Sales Contract (“Contract”) for the Buick Encore in the amount of $22,at an interest rate of 5.99%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning August 24, The contract is a simple interest contract which means interest accrues daily on the unpaid principal balance. Please refer to your signed contract under the section entitled FINANCE CHARGE AND PAYMENTS; section a through eThese 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 payYou may also refer to your billing statement under Payoff Information as stated: The current balance shown on the front of the statement may not necessarily be your payoff amount because of possible activity on your account such as payments, adjustments, finance charge accurals, etcIt also states to call Customer Service for an accurate payoffAs per our records, they do not indicate that a call was made requesting a full payoff amount As of date, your total payoff is $and is good through September 15, 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 1-***-***-*** should you have further questions or require additional assistance 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 changedGM 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 Should you have any further questions or require additional assistance, please feel free to contact GM Financial at 1(800)369- 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
Please be advised a request has been submitted for a representative to contact you in regards to this matterFor further assistance, please feel free to contact GM Financial Lease Customer Service directly at ###-###-####
Sincerely,
GM Financial

June 7,
Re: Complaint ID: ***
*** L ***
Dear *** ***,
Thank you for the correspondence sent to the Revdex.com We would like an opportunity to address your concerns; however, additional information is required
For verification purposes, please forward me your account number, last four digits of your social security number, mailing address, along with the make/model of the vehicle Upon receipt of this information we will research this matter
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because: I have already provided GM Financial with proof of relocation, documents include moving company documents, vehicle shipping and receipt documents, change of postal address documents, new insurance in new location, copy of apartment lease in new location, offer letter showing my start date at new location, airline ticket reservations showing my dates of travel to the new location. I do not have a receipt of returning my plates, since that is not something that i'm required to request. They are requesting an uncommon document for the purpose of dismissing my dispute.
Regards,
*** ***

This has been resolved!

July 26,
Re: Complaint ID: ***
*** ***
Dear Mr***,
Thank you for the 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
full GM Financial account number or social security numberUpon receipt of this information I will research this matter
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because: My credit score has dropped 60points in the process of you all not reporting to the credit bureausI tried to get a loan for a house and was denied because the report came back stating I was payments behind on a car note that you all received money forYou all need to forgive my loan and send me the title for the vehicleYou have ruined my credit score and the only solution you think you’re going to do is send my payment to the credit bureauThat’s not solving anything because that’s what was in my contract I signedWas for you all to report my payments to the credit bureau monthly not whenever you all felt like itI have already told you all the outcome that I wantI have been calling you all for the last months asking to correct my payments and none of your managers did anythingBertha, Sam, Ryan or ThomasI spoke to several people who said they are sending reports to get it resolved and here we are nowSend me the title for my vehicle and forgive the loan. Regards,
*** ***

Complaint: ***
I am rejecting this response because: Notice was never sent to me or receivedGM Financial has refused to provide proof of notice being sent on 12/18/This noitice was allegedly sent prior to any enhancements made on the GM Financial system which have absolutely nothing to do with me or negates GM Financial of their legal responsibility of providing said notice even after GM Financial called me on 12/BEFORE their subsequent system shut down and was told by me that notice had NEVER arrivedAnd that conversation was recorded and authorized for being recorded by GM Financial rep *** ***I will be contacting the Illinois States Attorney Office as well as a private lawyer because no notice was sent in accordance to Illinois Repossession LawAnd GM Financial has refused to provide a tracking number of the notice or any other documentation to provide the whereabouts of the notice ssupposedly sent on 12/18/The system shutdown is the companies issue not mineGM Financial should have had other alternative measures put in place to handle any issues that were to arise during the shutdown which concluded on 1/8/and not 1/5/as they stated in their notices to their customers.
Regards,
*** ***

January 9,
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
Your GM Financial account
matured on July 4, 2016; at which time the balance was due in full for the amount of $2,Our records reflect that the July 4, installment payment was received on August 12, At this time the account was over days past due and was reported to the credit bureau reporting agencies for the July installment due dateA loan extension was offered to you at no interest in efforts to assist you with the remaining balance, the Rescheduling process was completed on August 19,
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
Included for your review is a copy of your Account Payment History and a copy of the Final Installment Payment AgreementIf you have any further questions or are in need of additional assistance regarding this matter, 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
On April 7, 2013, you signed a lease agreement for a Chevrolet CruzeWithin the agreement, you agreed to a month lease term with a
monthly payment in the amount of $per month, due on the 7th day of each monthGM 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 reporting
Should you have any further questions or require additional assistance regarding this matter, please contact GM Financial’s Lease Servicing Department at ###-###-####
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because: after the vehicle was sold I entered into an agreement and started making payments of $a monthYou did not include this into this break downWill that show on the documentation that is being sent to me?
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,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my dispute
Please enter your reason(s) for rejecting the business response below. Is there any progress on this complaint?
Regards,
*** ***

You are wrong on both counts. When I signed my new car deal, I released all interest in both the Chevy Cruze being financed and the GM financial account. It is now in the hands of *** *** Chevrolet, and I am NOT responsible any longer.I cannot believe you don't hear a single word I'm saying.If you say I'm not being billed two months ahead, then why does the online payment system show two months due and not one month??If what you said WAS true, then the amount for February ONLY would show due, and not February AND March. Don't you get it?? Are you that stupid?What I saw was a bill for two months? I cannot believe your company is that stupid.Anyway, I am so glad not be a part of it any longer, and my mission in life is to steer everyone away from GM at all costs so they don't have to go through this. Until GM Financial updates their online billing process, they are going to continue to infuriate customers like me and lose business. It is clear to me that GM financial does not realize their error and is only concerned in their self-interests and just hates their customers.All emotions aside, GM Financial needs to completely revamp their online billing system to show only the current month due. If it is even one day past the due date, that does not give GM the right to automatically slap another month due onto the current month. As I have already said ten times, when I went to make my February payment on February 3, it said the amount due was $664. That's TWO months, and that's what I SAW. GM can explain it a hundred different ways but it still does not change the fact that I'm right. If they were right, I would agree with them, and only one month would show due.I am convinced now that the GM financial is quite insane. GM products, like my new Camaro, are the best, but their financing is horrible, and that's why I bought my way out of the contract. It was better before when they had payment books

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 changedUnfortunately, your account is not currently eligible for this type of payment assistance and we are unable to offer a deferment as a courtesy.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:
Regards,
*** ***

August 1,
Re: Complaint ID: ***
*** ***
Dear Mr***,
Thank you for the additional correspondence sent to the Revdex.com We have reviewed your concerns and would like to offer the following information
In order to ensure the derogatory mark has been removed, GM Financial has requested an update to all three major credit reporting agenciesPlease allow the credit bureau reporting agencies 30-days to reflect these updatesPlease understand that any additional disputes submitted through the credit bureaus prior to these changes updating, may cause the credit agencies to void the update submitted by GM Financial
Please note, GM Financial does not offer extensions on lease accountsIf payment arrangements are needed, please contact customer service at your soonest convenience
We apologize for the poor level of service you feel you have receivedGM Financial takes all complaints seriously and we appreciate you bringing this matter to our attentionPlease 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 concerns with regard to this matter, please contact GM Financial at ###-###-####
Sincerely,
GM Financial

July 10,
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
Please be advised that your 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
Should you have any further questions or require additional assistance regarding this matter, please feel free to 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. 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