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GM Financial Reviews (4044)

Complaint: ***
I am rejecting this response because:
My problem with this is the fact I was unaware of what happens with leftover interest at the end of a loanThey are counting me late for something that hadn't even been established yetMy regular payment was $They are listing a late payment in the amount of $It appears on my credit that I couldn't even make the payment on time of $My payment was $for the entire length of this loanFor the past year I was never lateTrying to establish my creditThe new loan was not even established at the time they are saying the $was lateSo how can they claim at that time $was late when we hadn't even made that new payment agreement All of this is totally wrong. If they wanted to report me late on the 4th it should be reported that I was late in the amount of $2,or whatever the full amount they say I should payNot $that wasn't even establishedThis needs removed I know I'm speaking for someone else but even the finance officer at *** *** agreed this is not rightHe even said GM Financial does some shady thingsI hope this can put a stop to them doing this to others as wellThank you so much.
Regards,
*** ***

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

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following informationOn December 13, 2013, you signed a Retail Installment Sale Contract (“Contract”) for the purchase of the referenced Chevrolet Cruze. Within
the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning on January 27, By defaulting on the installment payments, you broke the terms of this contract resulting in the repossession of the vehicle on December 18, and April 28, 2015.On December 18, the account was placed out for repossessionOn the date of repossession this account was delinquent for the required monthly installments of October, November and December. GM financial agreed to allow the unit to be reinstated once payment was received to bring the past due balance to a current statusSince the reinstatement in January our records indicate that a payment in the amount of $was received on April 17, 2015; however, on April 24, the payment was reversed and returned due to Non-Sufficient fundsAs a result the account remained delinquent for the required monthly installments of February, March and AprilPlease note that GM Financial places a high priority on adhering to all state and federal lawsThe state of Louisiana does not require cure period or notice of repossession be mailed prior to repossessionOn April 27, 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 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 GM Financial funded the purchase of this vehicle in good faith that all contractual repayment obligations would be honored. Repossession is always unfortunate; however, at this time, we are unable to oblige your request to credit the account or reinstate the vehicle. As outlined on page of your contract, if you choose not to redeem the unit, the Chevrolet Cruze will be sold at auctionUpon the sale of the vehicle, we will apply the money from the sale to the amount you owe after subtracting allowed expensesIf the money from the sale is not enough to pay the amount you owe, you must pay the remaining amount to GM Financial unless the law provides otherwise. A copy of your account payment history and contract has been included for your review.If you elect to redeem the vehicle or require additional assistance, please feel free to contact GM Financial at ###-###-####Sincerely, GM Financial

December 6,
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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11135610, and find that this resolution is satisfactory to me. BUT I NEED TO KNOW WHAT DO I NEED TO FAX IN AND O WHOM DO I FAX IT TO

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
Due to a recent enhancement, an issue was identified causing an additional itemized tax entryAs previously explained, you are only responsible for a payment in the amount of $due on the 27th of each monthThe earn tax amount of $is included in the total installment payment of $Please be advised your GM Financial lease account reflects current with the next monthly base rent due date of July 27,
We apologize for any inconvenience this has caused, should you have any further questions or require additional assistance in regards to this matter please contact GM Financial at ###-###-####
Sincerely,
GM Financial

I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me. GM Financial would like my account number. I am sending this through you to forward to them. My account number is ***. The last four digits of my SSS # are ***. Please let them know that I do not want any information that tells me that I need to take another step to get my car title which is what I have been given for the past months. It was paid off through them and I never received it, DMV in California never received it and it is not at the WV DMV. They should have it and I would like for them to send it to me.

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

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,
*** ***

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

Complaint: ***
I am rejecting this response because: why do I need to wait for a check to be mailed?? The last attempt was overnighted, I want my refund overnighted. Also, that was not an apology, that was a condescending remark. The poor service 'I feel' - are you kidding me???? I can lay out point by point every failure, lie, misrepresentation, etc, I was hung up on - unacceptable.And to prove the lack of communication within this 'organization' I received a phone call Finally yesterday from GM financial. Once again they assured me the check was being sent, overnighted with a true apology letter. Completely different response then what they sent through you. However, I have yet to receive my refund - I wont be holding my breath.
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 30,
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
Please note, there was no attachment provided with your complaint
Please be advised that GM Financial has not changed our position regarding the account
Should you have any further questions or require additional assistance please contact GM Financial at ###-###-####
Sincerely,
GM Financial

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

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
The complaint has not been resolved fully The vehicle has been returned and I just received the payment history a few days ago in the mail I still awaiting a response from GM Financial on the credit reporting and reimbursement of fees for their error
Regards,
*** ***

Complaint: ***
I am rejecting this response because: You have billed me TWO months in a row for $($25.42) which I have paid. My credit should be for that amount PLUS 3/months of lease payments not yet due
Regards,
*** ***

December 22,
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 numerous efforts were made to contact you with regard to the status of the account prior to the last contact made on August 29, and after that dateThe state of Illinois requires a cure period or notice of repossession be mailed prior to repossession if there is a co-buyer on the account
Our records reflect that a Notice of Our Plan to Sell Property and Notice of Right to Redeem or Reinstate was mailed out to the address on file December 18,
Please be advised that GM Financial has not changed our position regarding the account
Should you have any further questions or require additional assistance, please contact GM Financial at (877)848-
Sincerely,
GM Financial

April 11,
Re: Complaint ID: *** *** * ***
Dear Mr***,
Thank you for the correspondence sent to the Revdex.com I would like an opportunity to address your concerns; however, additional information is required At 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

Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
Our records reflect that on September 14, you informed us that a payment in the amount of $would be made on September 22, via web, and during this conversation our records do not reflect that a deferment was discussed or requestedThe payment was made on September 21, by you, via webGM Financial made contact with you again on November 12,
Please be advised that GM Financial has not changed our position regarding the accountThank you for your time and insight regarding your experience with GM Financial
Sincerely,
GM Financial

April 13,
Re: *** *** Complaint ID: *** GM Financial Account No.: ***
Dear *** ***
Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
On December 28, 2017, the vehicle was involved in an accident and was declared a total loss by American Family Insurance GM Financial received a payment from American Family Insurance in the amount of $15,055.75, which has been posted to your account
With regard to the Guaranteed Auto Protection (GAP) Insurance, this is a blanket GAP coverage for all GM Financial lease vehicles in the event of a total loss GM Financial is actively working with your insurance company and the GAP provider, ***, to complete your claim Upon receipt of the GAP proceeds, GM Financial will issue any overage payable refund directly to you
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 the poor level of service you feel you have received You may contact our total loss department directly at 1-877-203-for updates regarding your claim
Sincerely,
GM Financial

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Address: P.O. Box 9000, Lutherville, Maryland, United States, 21094

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