GM Financial

? Thank you for forwarding the correspondence to the Revdex.comI have reviewed your concerns and would like to offer the following information ? On December 24, 2012, you signed a Retail Installment Sale Contract (“Contract”) for the Chevrolet Corvette in the amount of $37,at an interest rate of 14.00% Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning January 24, ? Please be advised that GM Financial places a high priority on adhering to all state and federal lawsThe state of Texas does require cure notices to be sent prior to submitting the account for repossessionThese notices were mailed to the address of record on July 7, and the Acceleration Notice was mailed July 22, The cure notices detailed the amount needed to cure and provided a cure date or date of last payment ? On August 3, 2015, GM Financial made the decision to place the account out for repossession due to the account being over days past due and subsequently the vehicle was repossessed on August 7, After a thorough review of the account it has been determined that the handling of the account including repossession was in compliance with all state and federal laws ? Please note that our system of record indicates that you made a payment of $on August 21, 2015; however, this amount did not meet the required amount to process the reinstatementOn August 25, 2015, GM Financial received another payment of $which covered the remaining reinstatement amount dueOnce this payment was verified, GM Financial sent the release to the repossession agent and your vehicle was available for pick upWe have verified that the vehicle was picked up August 25, 2015, the same date the remaining reinstatement amount was paid ? With regard to your allegations of property damage, please be advised that the repossession company is an independent contractor and is licensed as suchAny claims against their company will need to be addressed directly with their company and/or licensing authority ? I have attached a copy of your Contract and payment history for your review ? Should you have additional questions or concerns, please contact our office directly at ###-###-#### ? Sincerely, GM Financial

June 21, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] N [redacted] Dear Ms***, Thank you for the additional correspondence sent to the Revdex.comWe have reviewed your concerns and would like to offer the following information On January 19, 2016, you entered into a Retail Installment Sale Contract (“Contract”) for the Chevrolet Malibu in the amount of $30, The contract terms you agreed upon, state the loan would be repaid in monthly installments in the amount of $per month, beginning March 04, Within the contract, you agreed to pay us all you owe under the contract even if the vehicle is damaged, destroyed or missing Our records reflect, you were advised during previous telephone conversations and via the notice mailed to you on December 30, 2016, that you were still responsible for maintaining the monthly installment payments and were still subject to monthly credit bureau reporting until the account is paid in full Our research concludes that the account status and payment history 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 of your account We have submitted an update to the credit reporting agencies regarding the current status of your account Should you have any further questions or require additional assistance, please feel free to contact GM Financial at ###-###-#### Sincerely, GM Financial

October 31, Re: Complaint ID: [redacted] [redacted] Dear Ms [redacted] , 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 13, 2013, you signed a Lease Agreement for a Chevrolet MalibuWithin the agreement, you agreed to a month lease term with a monthly payment in the amount of $per month, due on the 12th day of each monthThe lease maturity date of this contract is November 13, Please note at the time of the lease turn in, your account was due for the October 14, base rent due date; however, as a customer courtesy GM Financial is honoring your request for a refund and waiving the remaining base rent in the amount of $299.71, leaving a remaining balance due of $for Excess Wear and Tear A refund in the amount of $was issued by GM Financial Invoice Number [redacted] and sent to your address of record today on October 31, Please allow to business days from the time the check was issued for it to be received Please be advised, as stated in your contract (See Page 2, under Other Terms and Conditions, section Standards for Wear and Use), you may be charged for excess wear and use at the end of the scheduled Lease termThe vehicle will not have road damage, chips, scratches, cracks or damage to the glass, body, bumpers, frame or interior An itemized list of the excess wear and tear charges and pictures can be viewed at [redacted] n by entering the vehicle identification number and account number Should you have any further questions or require additional assistance regarding this matter, please contact GM Financials Lease Servicing Department at [redacted] 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 GM Financial has not changed its position regarding the status of your accountDue to your contractual obligation a deficiency balance still remains on the accountPlease understand that the title cannot be released until the deficiency balance has been satisfied If you would like to make arrangements regarding this balance please contact GM Financial directly at ###-###-#### Sincerely, GM Financial

February 27, Re: Complaint ID: [redacted] [redacted] Dear Ms [redacted] , Thank you for the correspondence sent to the Revdex.comWe would like an opportunity to address your concerns, however additional information is requiredAt your earliest convenience, please forward us your full GM Financial account number or social security numberUpon receipt of this information we will research this matter Sincerely, GM Financial

Complaint: [redacted] I am rejecting this response because: Regards,I have a copy of the check from the dealership that shows proof that this check was cashed on 10-3-! GM financial failed to pay off my account , pulled an extra payment & YES I had it reversed because of the hardship it caused me with nsf fees! I will tell everyone I know NOT to go through GM financial!

Complaint: [redacted] I am rejecting this response because:As I stated in my first rejection, despite what the author of the email claims, I was able to handle this issue with absolutely no concern on the part of the GM Financial people I spoke with regarding my my name not being on the lease agreementClearly there is something wrong with the business practices of GM Financial regarding these types of issues, or some re-training needs to occurSimply restating that you can not share any information with me regarding this lease account because I'm not listed on it is ridiculous, and a clear indication that you didn't even read my last responseThere simply is no need for you to continue to inform me of a business practice your people clearly don't adhere toNo matter what canned response you send me is going to excuse the fact that GM Financial took over a month to return my extra payment Regards, [redacted] ***

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 28, 2015, you signed a Florida Closed End Motor Vehicle Lease for a GMC AcadiaWithin the agreement, you agreed to a month lease term with a monthly payment in the amount of $per month, due on the 28th day of each month Please be advised for a Lease account, the website is only able to reflect the current amount due, at the time it becomes due If your account is current at the time of log in, a payment will not be reflected till after the due dateIn the month of October 2015, the account was reported past due to the credit bureau reporting agencies for the September 28, base rent due dateGM Financial received a payment of $499.10, on November 3, 2015, for the September base rent due date; at this time the account was days past dueThis payment was received by paper check at the payment lockbox locationFurther review of our records indicates the first payment submitted by ACH was received on November 25, 2015, and applied toward the October base rent due date Please note payments are posted to your account the same date they are received by the payment processing center If you choose to mail in your monthly installment payment, GM Financial is not responsible for delays in delivery by the United States Postal Service (“USPS”) If you would like to avoid additional mailing time, you may utilize other payment options such as payment by phone, IVR, or online at www.gmfinancial.comThese payment options are provided by Western Union and are subject to a convenience fee if applicablePayment options available at no cost include the ACH payment option online or the GM Financial Automatic Payment PlanOnline access is available to all customers; however certain restrictions may apply 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 comply with your request to make any changes or deletions to the credit bureau reportingOn October 23, 2015, a late fee in the amount of $was waived as a courtesy; no additional late fees will be waived 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 excellenceGM Financial takes all complaints seriously and we appreciate you bringing this matter to our attentionShould you have any further questions or require additional assistance regarding this matter, please contact GM Financials Lease Servicing Department at 1(800)369- Sincerely, GM Financial

Complaint: [redacted] I am rejecting this response because: Is there anything that you can do to assist me trying to get my loan paid off as you have gotten A lot money from my loan than what I originally borrowed when I purchased the car, even if you could just waive the late fees that have accrued the account and make me current so I can have a fresh start with the remaining of my loan I would greatly appreciate this help Thanks Regards, [redacted] ***

Revdex.com: I have reviewed the response made by the business in reference to complaint ID 10853893, and have determined that this does not resolve my dispute Complaint # [redacted] was supposedly handled by GM FinancialThey were to remove an incorrect past due on my credit reportThey promised the Revdex.com and myself they would remove the mistakeWhat they did was kept the late payment on my credit report on 10/9/and on 10/11/added an improved payment which has caused my credit score to tumbleIt needs to be totally removed!!!!! Not left on my creditAnd it needs to be GM Financial admitting they made a mistake for it to be removed and for it not to affect t my credit!TranslateDesired Resolution / OutcomeDesired Resolution:Correction to a credit reportselectDesired Outcome:Remove the late payment from my credit report

June 28, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] E [redacted] Dear Mr [redacted] , Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information After review of the account, per the Wisconsin Department of Transportation, there is record of trying to title the vehicle on March 7, Wisconsin is showing AmeriCredit as the lienholderAs of June 27, 2018, GM Financial issued another release of lien to the address provided of West Congressional Way Florence, AZ Per the Ohio online record, there is no lienholder listed and a paper title was issued on June 6, with no lienholder GM Financial is unable to honor your request to provide monetary compensationShould you have any further questions or require additional assistance please contact GM Financial at ###-###-#### Sincerely, GM Financial

Complaint: [redacted] I am rejecting this response because: For the record, I signed up for automatic payments on 5/10/which was confirmed on 5/16/with a letter that states the first payment will come out on 7/3/I can provide you with that letter if you can't find itIf you would, please check your phone record, I called GM financial to set these payments up, and followed your customer service representatives instructions so that all payments would be made on-timeAlso, I attached the emails from GM financial that recognize, GM financial did have issues with their billing system, which I have resolved by spending hours of my time on the phone with your representativesAt this time no further action regarding this complaint is neededYou will be notified if another issue arises Regards, [redacted] ***

Complaint: [redacted] I am rejecting this response because:I have received a letter of Leon release via FedEx this morningI have not however received the check for the balance of the payoff.Regards, [redacted]

September 29, ? RE:? Complaint ID:? [redacted] ? ? ? ? ? ? ? [redacted] ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? Dear [redacted] : ? 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 Tell us why here

March 16, Re: Complaint ID: [redacted] [redacted] Dear Ms [redacted] Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information On January 30, 2016, and February 1, GM Financial received two applications for credit submitted at [redacted] ChevroletYou have indicated that you are disputing the inquiries as unauthorized; and as a result, GM Financial has requested that the appropriate credit reporting agencies remove the GM Financial inquiries from your credit reportIn the event that the credit bureau reporting agencies are unable to delete the inquiries, we have asked that at a minimum that they convert the hard inquiries to a soft inquiriesPlease be advised that it can take the credit reporting agencies four to six weeks to update your credit report Copy of the Inquiry Removal letters has been included for your reviewShould you have any further questions contact Customer Service at [redacted] 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

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information On March 24, 2016, GM Financial provided you with a 10-day payoff quote in the amount of $21,525.45, good through April 3, As per your request an additional payoff quote was faxed to you at 313-846-on March 25, 2016, good through April 4, in the amount of $21,A check was received on April 5, in the amount of $21,Please understand the payoff quote is subject to change due to the interest accruing dailyThe amount owed is additional interest since the payment was received a day after the good though date of April 4, Should you have any further questions or require additional assistance with regard to this matter, please contact GM Financial at (800) 284- Sincerely, GM Financial

Complaint: [redacted] I am rejecting this response because: I am not sure what the process is here, but I am offended that GM Financial, with all its resources, continues to stall updating my account? Clearly no one is in charge of customer service and I continue to have entry level employees attempting to fix this problem? As the screenshot attached to this email will show, my next payment due date still says November, 2017, when it should be December, 2017, and the number of payments remaining says when I only have payments remaining? GM Financial's typical answer to my complaint is "The way our system is set up....." ? Then change the system? It's that easy? I am growing more and more weary of this cat and mouse nonsense through the Revdex.com and am inclined to find an attorney who would be more than happy to represent me in this matter? My time is important? I continue to be angered by having to respond to GM Financial's unwillingness to cooperate or assist with this matter? I was told by a representative last Friday that I would be contacted yesterday? To-date (Tuesday evening, 8:p.m., CST) I have not received a phone call from them? I would like to go on record, however, that I have downloaded an app that will allow me to record phone calls and will make it clear the next time I am contacted that every syllable of our conversation will be recorded? Had I been given options at my dealership when I purchased my vehicle and HAD I KNOWN the problems I would have encountered as a result of this loan, I would have surely gone another direction? If anyone reading this post is considering buying a GM vehicle of any kind...take my advice: ? get your own financing elsewhere....even when zero percent interest is offered on the loan Regards, [redacted]

Complaint: [redacted] I am rejecting this response because:Account number is? [redacted] Regards, [redacted] ?

January 31, Re: Complaint ID: [redacted] [redacted] Dear Ms [redacted] , Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information In regards to the two payments in question, both were set up via your online MyAccount profile using Western Union SpeedPayOn December 18, you set up a one-time payment in the amount of $402.05, the confirmation number provided to you for this online transaction was [redacted] On December 21, 2016, a recurring payment in the amount of $was set up, the confirmation number provided to you for this online transaction was [redacted] Please be advised that a payment overage refund in the amount of $was sent to your address on January 30, via FedEx overnight, tracking number [redacted] *** I would like to apologize for the poor level of service you feel that you have received as well as any inconvenience you have experiencedPlease 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 1- [redacted] Sincerely, GM Financial

January 31, Re: Complaint ID: [redacted] [redacted] Dear Ms [redacted] , Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information In regards to the two payments in question, both were set up via your online MyAccount profile using Western Union SpeedPayOn December 18, you set up a one-time payment in the amount of $402.05, the confirmation number provided to you for this online transaction was [redacted] On December 21, 2016, a recurring payment in the amount of $was set up, the confirmation number provided to you for this online transaction was [redacted] Please be advised that a payment overage refund in the amount of $was sent to your address on January 30, via FedEx overnight, tracking number [redacted] *** I would like to apologize for the poor level of service you feel that you have received as well as any inconvenience you have experiencedPlease 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 1- [redacted] Sincerely, GM Financial