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GM Financial Reviews (4045)

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

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

??? 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

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

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,
*** ***

June 20,
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

September 23,
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 provide GM Financial with your current address, once this information is received the title will be released
Should you have any further questions or require additional assistance regarding this matter, please contact Customer Service directly at ###-###-####
Hours of Operation:
Monday through Thursday, 7:a.mto 8:p.mCT
Friday, 7:a.mto 7:p.mCT
Saturday, 7:a.mto 4:p.mCT
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

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

February 5, RE: Complaint ID: *** *** ***
Dear Mr***: Thank you for forwarding the correspondence sent to the Revdex.comI would like an opportunity to address your concerns, however more information is requiredAt your earliest convenience, please forward me your full account number or social security numberUpon receipt of this information I will research this matter 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

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

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

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,
*** ***

July 20,
Re: Complaint ID: ***
*** ***
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 us your account number, social security number, mailing address, along with the year/make/model of the vehicle Upon receipt of this information we 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
On August 10, 2007, you signed a retail installment sales contract for a Chevrolet MalibuWithin the agreement, you promised to
pay the amount financed of $10,and a finance charge of $5603.90, which resulted in a total of payments of $15,705.60, if all payments are made on the due dateIt is important to understand that this Contract is a “simple interest” contract in which interest is accrued dailyBy signing the contract, you agreed to abide by these terms, including paying the principal amount plus finance charges accruing on the unpaid balance at the rate of 18.95% in installments of $
In review of your account activity and payment history additional interest accrued over the life of the loan due to payments being made after the scheduled due date and deferments that were processed at your requestThroughout the time the account was active; deferments were processed for the months of April and May of 2008, May and June of 2009, May and June of and April and May of The account has also been paid past the installment due date on numerous occasionsIt is important to understand that when payments are paid late or deferred, interest will continue to accrue on the unpaid principal balance
Our records reflect that the account matured on April 10, On this date a maturity letter was sent to the address of record advising you that the final balance had become due in fullAdditional review of our records indicates that GM Financial had verbal contact with you on April 9, and that the representative made you aware of the remaining balance at that timePayment arrangements were made to pay four installments of $monthly beginning May of with the final payment due in August of Our records reflect that only two payments of $were received on May 23, and June 25, These two payments did not complete the GM Financial approved arrangement
Please note a review of your account reflects that your loan charged off on August 30, GM Financial attempted to reach you regarding the status of the account and upon charge off regarding the deficiency balance remaining
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 credit bureau reporting
Please be advised GM Financial is unable to release the title as a deficiency balance still remains on the account
Included for your review is a copy of your contractPlease note a copy of your account payment history is being mailed to your address of recordShould you have any further questions or require additional assistance with regard to this matter, please contact GM Financials Loss Recovery department 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
My account number is ***
Regards,
*** ***

Complaint: ***
I am rejecting this response because:
Here's my account ***I would only like you guys to remove the dispute comments from September that was done, because I had all of my creditors remove the dispute against you guys and they told me to tell GM Financial to remove
there comments from the dispute that way it will be canceledI need this be done ASAP because my mortgage loan will NOT close if you guys to remove your commentsI cannot wait days for you guys to remove a comment from a disputePlease help by removing comments today if possible. 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
Social is *** account is under my husband name *** ***
Regards,
*** ***

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

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

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