GM Financial

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.As previously stated, the double payment is a separate issue so I won't be commenting on it.As pointed out on the original complaint I email the request to initiate the transfer on 6/30/Diana, the back office manager, failed to send the Assumption Authorization Form and Credit Application until nearly two weeks later (on 7/12/16)This is not only outside of the hour guideline per GM Financial but also after numerous complaints to your reps and manager Victoria H***...all of whom admitted that GM Financial made mistakes in my caseTherefore, I'm unclear on how you would be able to categorize this as being handled in a "timely" fashionBecause of all of the mistakes and delays, MsH*** put my case as her top priority and admitted that it was now a "special circumstance" caseShe also promised to work directly with Diana for the remainder of the transfer processIf my case was standard, GM Financial management would not have intervened to this degree.Now comes the start of the second set of delaysOn 7/12/16, after the assuming party and I submitted the above-mentioned documents, GM Financial fails to get a response back from the credit report agency until nearly a week later (on 7/18/16) because they had again delayed on the paperwork...this time in submitting to the 3rd party agencyAgain, this is outside of the promised hour window.In short, if these two delays had not occurred (i.eif GM Financial didn't make these mistakes) then the transfer of the vehicle would have completed BEFORE the $payment on 7/29/Since the actions of GM Financial is directly responsible for extending the transfer process and triggering the payment, I shouldn't be penalized for itPlease check these facts against the notes on my account again should you need to verify my claimsIn short, I'd like to extend you one final opportunity to reverse the $chargeIn doing so, I will mark this complaint as settle and won't escalate this issue further to GM corporateThank you for your considerationI trust that you'll find this a fair resolution under these circumstances
Regards,
*** ***

July 5,
Re: Complaint ID: ***
*** ***
Dear Ms***,
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

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

Complaint: ***
I am rejecting this response because: A) Under what circumstances was it undeliverable? I ensured that my address was correct, and that the other party on the title had done the same. B) How has it been almost a month since my title has been returned as undeliverable to GM Financial, yet nobody has bothered to contact me to get this rectified?
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,
*** ***

January 19,
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

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

This matter may take several months
*** ***

February 27,
Re: Complaint ID: *** *** ***
Dear *** ***,
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 30, you signed a retail installment sales contract for a Pontiac GC in the amount of $12,at an interest rate of 10.00%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning June 14,
Please note that GM Financial places a high priority on adhering to all state and federal lawsAs per Maryland state law, a cure notice was mailed to your address of record on September 26, Per this notice, you had until October 11, to cure this defaultOn November 16, 2017, the decision was made to place the vehicle out for repossession, as allowed by your contractAt this time the account was over days past dueBased on the review of our internal policies and procedures, GM Financial believes that all state and federal laws have been adhered toThe “Notice of Right to Redeem or Reinstate” and the “Notice of Our Plan to Sell Property” were mailed to your address of record on February 15,
GM Financial funded the purchase of this vehicle in good faith that all contractual repayment obligations would be honoredRepossession is always unfortunate; however, at this time, we are unable to oblige your request to alter the redemption amount, the amount quoted would need to be paid in full to redeem the unit per state law
GM Financial is both by law and by contract required to report truthful and accurate information to the credit reporting agenciesWhile there are times, and yours is one of them, where we might like to follow our hearts and the equities of the situation and ignore our legal and contractual obligations, we just cannot do soWe understand you are not disputing the accuracy of the credit information we have reported, however we have reviewed the data sent to the credit reporting agencies regarding your account and have determined that the information is accurately reported
Should 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 additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
GM Financial employees were not present at *** *** *** (“Dealer”) during the signing of the contract and GM Financial was
not an original contracting party in any agreements between the two partiesThe contract was subsequently assigned to GM FinancialPer your contract, the annual percentage rate may have been negotiable with the seller at the time of purchase
On August 30, 2010, you signed a Retail Installment Sales Contract (“Contract”) for the Kia Sportage in the amount of $20,at an interest rate of 21.95%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning October 14, The contract is a simple interest contract which means interest accrues daily on the unpaid principal balanceThe Total Sale Price shown in the Truth-In-Lending Disclosures on the face of your contract assumes that all payments will be made as scheduledThe actual amount you will pay may be more or less depending on your payment recordIn 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, six deferments have been processed per your request for the months of May and June of 2011, January and February of 2013, and October and November of Please understand that when a payment is deferred or delinquent, interest still continues to accrueInformation regarding interest accrual and deferments began to appear on the monthly billing statement following the deferred period between and Our records reflect that this information was provided to you on billing statements dated March 23, and December 25, 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
On July 14, 2015, one year prior to the maturity date of your contract, the Simple Interest Maturity Notice was mailed to all parties to the Contract at their last known addressThis notice advised you of the balance of your account as of the date of the notice and that based on your payment amount and the balance of your account, it was anticipated that your final payment due at maturity will be more than your regular monthly payment amountInterest accrual was also explained within this notice
Although GM Financial does not offer refinancing or provide settlement options for the payoff of an account, customers may choose to refinance their loan with another lender at any timePlease be advised that you may contact the Expired Loans Department once the loan has matured on September 14, 2016, to set up further arrangements regarding the remaining balance
For your review are copies of your account payment history, contract, billing statements dated March 25, and December 25, 2015, as well as the maturity letter dated June 14, Should you have any further questions or require additional assistance with regard to this matter, please contact GM Financial directly at ###-###-####
Sincerely,
GM Financial

I need more explanation why I was reported May days late to the credit bureauWhen it was paid off in Feb I still feel like this is not accurate and lawful in my opinion.

June 28,
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
On March 31, 2017, you set
up an online Western Union recurring payment schedule to draft $on the 3rd of every month, beginning on April 3, with a final payment date of April 3, This type of payment is customer driven, initiated and authorizedPlease note that emails are sent to the email on file with the plan details, and the schedule can be viewed online when it is active
GM Financial made multiple attempts to contact you beginning on May 25, in regards to the status of the accountA onetime mobile payment was made on June 10, in the amount of $Our records indicate you spoke to a representative on June 11, in regards to your account
Upon further review of the account, our records reflect you set up an online Western Union recurring payment schedule on June 26, to draft $on the 4th of every month, beginning July 4, with a final payment date of February 4,
Please understand that GM Financial is both by law and by contract required to report truthful and accurate information to the credit reporting agenciesWe have reviewed the data sent to the credit reporting agencies regarding your account and have determined that the information is accurately reportedAs a result, we are unable to make any changes or deletions to the credit bureau reporting of your account which is done in accordance with the industry standard of the Metro II format in compliance with the Fair Credit Reporting Act
Should you have any further questions or require additional assistance please contact GM Financial at ###-###-####
Sincerely,
GM Financial

June 16,
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 although
the principal and interest was paid off, there are still late fees owed on the accountOur records reflect that you spoke with a GM Financial representative on February 25, and you were made aware of thisAs a courtesy, GM Financial waived half of those late fees, leaving you with a total of $in late fees on the accountThese fees will need to be paid to be able to release the title
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

Complaint: ***
I am rejecting this response because: I do not see how paying 3/of the loan after one year still requires payments monthlyEspecially when vehicle has been totaled outAgain I will not be happy until my creeit report is fixedThis is not fair to the customer who did everything to resolve the loanIf credit report is not corrected I will continue to protest fees due.
Regards,
*** ***

I have all the money order recipes they say they never got I have those and I called and they were cashed

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
On October 29, 2014, you signed a Retail Installment Sale Contract (“Contract”) for the purchase of a Toyota Camry in the amount of $ 16,at an interest rate of 20.00%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning on November 28,
On June 1, 2016, the decision was made to place the vehicle out for repossession, as allowed by your contractAt this time the account was over days past duePlease note that GM Financial places a high priority on adhering to all state and federal lawsThe state of North Carolina does not require cure notices to be sent prior to submitting the account for repossessionThe account history was reviewed thoroughly and it has been determined that the handling of the account is in compliance with your Contract and all state and federal laws
Please be advised numerous efforts were made to contact you with regard to the status of the accountOur records reflect that we last spoke with you on May 13, 2016; at which time you declined a deferment that was offered to you, and informed GM Financial that a payment would be made at the end of the monthThe last payment received on the account was on March 22,
Please understand that GM Financial is both by law and by contract required to report truthful and accurate information to the credit reporting agenciesWhile there are times, and yours is one of them, where we might like to follow our hearts and the equities of the situation and ignore our legal and contractual obligations, we just cannot do soAccordingly, and with mixed emotions, I must inform you that GM Financial is unable to honor your request to delete or alter your account information from your credit report
Should you have further questions or require any additional assistance, please contact GM Financials Loss Recovery department at ###-###-####
Sincerely,
GM Financial

Complaint: ***I am rejecting this response because: No one has contacted meStill cant log into accountDon't receive any statements in mailBusiness as usual with GM Financial Regards,*** ***

October 17,
Re: Complaint ID: *** *** ***
Dear Ms***,
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

February 6,
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
reflect the payment drafted on December 26, was returned as account frozen, thereby terminating your automatic payment planPlease be advised, your January payment was made online on January 21, and has posted to your accountYour next payment will be due on February 23,
If you have any further questions or are in need of additional assistance regarding this matter, please contact GM Financial at 1-***-***-***
Sincerely,
GM Financial

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 social security numberUpon receipt of this information I will research
this matter Sincerely,GM Financial