GM Financial

July 26, RE: Complaint ID: [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

Thank you for forwarding the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information Please be advised the payoff amounts quoted will include all payments applied to the accountGM Financial provided Fairfield Chevrolet with the correct payoff quote at the time it was requested, this payoff included the payment processed on October 6, Our records reflect on October 7, 2015, a representative notified you that the payoff had not yet been received and that the payment made on October 6, had been processed and applied to the balance of the accountThe representative also explained that a refund would only be processed if there was an overage after the payoff was received Should you have any further questions or require additional assistance with regard to this matter, please contact GM Financial at ###-###-#### Sincerely, GM Financial

August 29, 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 provide the following information Please be advised that a cease and desist of phone communication has been documented to the account to ensure you do not receive further phone callsWhile you may not receive any calls regarding the status of your account, GM Financial will continue to communicate with you to the extent allowed by law Should you have any further questions or require additional, please feel free to contact GM Financial directly at ###-###-#### Sincerely, GM Financial

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my dispute.Thank you for the additional correspondence sent to the Revdex.comI have reviewed your response and I would like to reiterate the following.As you have been previously advised, I will not be commenting any further on the double payment from 7/29/since that is a COMPLETELY SEPARATE ISSUERegarding the 7/28/refund, per your request, I have emailed you proof of cleared funds in the form of my bank statement reflecting both payments and a before and after balancePer your statement on Revdex.com response, I expect this payment be completely processed no later than 9/13/to 9/20/(to weeks)To ensure that the 7/28/payment will be refunded as we have agreed upon, I have sent correspondence to GM Corporate, as well as Consumer AffairsThe status of these complaints will be updated to settled once your refund has been completely processed.Regards, [redacted] ***

Complaint: [redacted] I am rejecting this response because: I had input the information correctlyThis is the second month in a row where Western Union has input information incorrectly, the first month they caught it and had contacted me and fixed itThis month it was not caught on timeThe error was on the end of Western Union, not mine Regards, [redacted] ***

July 19, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] Dear Mr***, Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information Upon review of the account, the history reflects that no derogatory marks have been reportedIn order to ensure that the account history is reflected accurately, GM Financial has requested an update to all three major credit bureausPlease 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 We apologize for any inconvenience this situation may have causedShould you have any further questions or require additional assistance please contact GM Financial at ###-###-#### Sincerely, GM Financial

February 15, Re: Complaint ID: [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 As stated in your contract (See Page 2, under 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 interiorIt also states the vehicle must be returned with four matching tires of equal quality to the originals, and when the unit is returned each vehicle tire must have not less than 1/inch of tread remaining at its shallowest point A review of your contract reflects that an Excess Wear and Tear policy was purchased at the time of the lease originationAs a result, GM Financial has requested an expedited claim from the Excess Wear and Tear coverage providerYou will not be responsible for the remaining balance wear and tear balanceGM Financial will contact you directly once the process is completed We would like to apologize for any inconvenience you have experienced as a result of this situationIf you have any further questions or are in need of additional assistance regarding this matter, please contact GM Financial at 1-***-***-*** Sincerely, GM Financial

January 11, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] 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 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, Should you require additional copies of the statutory notices, a subpoena is required Please be advised that GM Financial has made some long-planned system enhancements that will help us provide an overall better customer experienceDuring the upgrade process, access to your account online and by phone was unavailableAdvance notifications regarding this inaccessibility were included on billing statements and emails to our customersIn addition, alert messages and FAQs were placed on our website providing additional information regarding the improvements being madePlease note that GM Financial is working diligently to ensure that there are no negative impacts to our customers’ accounts We apologize for any inconvenience you have experienced regarding this matter 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 [redacted] Sincerely, GM Financial

? Thank you for forwarding the additional correspondence sent to the Revdex.comDue to Federal Privacy Laws, GM Financial must verify the identity of the consumer prior to releasing account sensitive informationAt your earliest convenience, please provide your full GM Financial account number or the last four digits of your social security number in order to verify your identityUpon receipt of this information we will provide copies of documents sufficient to validate the GM Financial account? If you do not want to provide this information via the Revdex.com, you may contact GM Financial’s Customer Service Department by telephone at 1(800)284-At which time you will be asked to verify account information and you may then request a copy of the contract be mailed or faxed to you.? Sincerely,GM Financial

June 9, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] Dear Mr [redacted] , Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information GM Financial received an application for credit and you have indicated that you are disputing the inquiries as unauthorizedAs of the date of this letter, 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 inquiry to a soft inquiryPlease be advised that it can take the credit reporting agencies four to six weeks to update your credit report Should you have any further questions, please contact the Customer Service Department at [redacted] Sincerely, GM Financial

October 3, RE: Complaint ID: [redacted] [redacted] Dear Mrs [redacted] , Thank you for forwarding the additional correspondenceWe have reviewed your concerns and would like to offer you the following informationOn March 5, 2016, you signed a Motor Vehicle Retail Installment Sales Contract (“Contract”) for the purchase of a Ford Fin the amount of $37, at an interest rate of 11.25%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning on April 19, As per your Contract, on Page Section F, it states: PHYSICAL DAMAGE INSURANCE PROCEEDSYou must use physical damage insurance proceeds to repair the vehicle, unless we agree otherwise in writingHowever, if the vehicle is a total loss, you must use the insurance proceeds to pay what you owe usYou agree that we can use any proceeds from insurance to repair the vehicle, or we may reduce what you owe under this contractIf we apply insurance proceeds to the amount you owe, they will be applied to your payment sin the reverse order of when they are dueIf your insurance on the vehicle or credit insurance doesn’t pay all you owe, you must pay what is still owedOnce all amounts owed under this contact are paid, any remaining proceeds will be paid to you Please note that our system of record indicates that on December 28, 2016, your vehicle was deemed a total lossA letter was mailed to on January 16, 2017, which explained to you that during the total loss process you were responsible for keeping the account current otherwise, your account would report to the credit bureau agenciesThis letter also explained that you would be responsible for paying any difference owed per your ContractGM Financial received insurance proceeds in the amount of $34,on February 1, 2017, which was less than the full balance owedThe remaining balance was not paid off until February 27, 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 agencies with accuracy; and as a result, we are unable to make any changes or deletions to the credit bureau reporting of your account at this time A payment history and a copy of your contract was mailed to you for review If you have any further questions or require additional assistance, please feel free to contact GM Financial at 1(***)***-*** Sincerely, GM Financial Tell us why here

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following informationA review of your account has been completed; and as as a result, the remaining property taxes assessed on your account have been waived It appears that after you provided a copy of the Vehicle Return Receipt, base rent and late fee charges were waived; however, the Property Tax department was not notified of the earlier turn in date, so that the property tax assessed could be adjusted both internally and with the City of Austin An update has been submitted to the credit bureau reporting agencies to reflect your lease account as closed and paid in fullPlease allow 30-days for the agencies to reflect these changesWe apologize for any inconvenience this may have causedSincerely,GM Financial

January 26, Re: Complaint ID: [redacted] Dear Mr***, Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information On December 29, 2017, you entered into a Motor Vehicle Lease Agreement (“Contract”) with Frank Shirey Cadillac Incfor the Cadillac XTGM Financial was not present at Frank Shirey Cadillac Inc(“Dealer”) during the signing of the contract and was not privileged to any agreements between the two partiesThe contract was subsequently assigned to GM Financial Please be aware, as stated in your contract (See Page 1) it states, you agree to the terms of this leaseYou acknowledge you have examined the vehicle, that the vehicle is equipped as you want, and that it is in good conditionUnfortunately, GM Financial is unable to honor your request to cancel your contractPlease be advised the responsibility for this contractual obligation remains.Should you have any further questions or require additional assistance regarding this matter, please feel free to contact GM Financials Lease Customer Service department directly at [redacted] Sincerely, GM Financial

Complaint: [redacted] I am rejecting this response because: Regards, [redacted] I accept the offer regarding the March 3, and March 13, ? I was told by a representative that I shouldn't have any repossession fees on the accountCan you tell me what the repo fees are for? ? Will the payment for April be considered late?

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meJust minutes ago I logged onto the website to thank you for fixing TransUnion and Experian and I thanked you for the checkHowever I did ask about Equifax since Equifax is still showing as outstandingI understand now (after reading your response here) that the delay is on them.? I sincerely thank you for resolving the matter.? Regards, [redacted]

July 12, Re: [redacted] S [redacted] Complaint ID: [redacted] Dear Mr [redacted] , Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information Please be aware, GM Financial is an indirect lender and all credit applications are submitted through an affiliated dealerOn April 21, 2018, an application for credit was submitted through [redacted] ChevroletGM Financial was not present at the dealership during the negotiations, however, our records indicate that GM Financial was unable to accept the initial terms requestedGM Financial is required to send the applicant a notice of adverse actionA secondary notice that reflects the specific reasons we were unable to offer you financing has been requestedPlease allow 7-business days to receive the notice via regular mail Should you have any additional questions or concerns with regards to this matter, please feel free to contact GM Financial directly ###-###-#### Sincerely, GM Financial

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] ***

Complaint: [redacted] I am rejecting this response because: I AM REQUESTING FULL REFUND OF $& TITLE SINCE I PAID IN FULLHERE IS MY ACCOUNT NUMBER WITH GM FINANCIAL ? [redacted] 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 Our records reflect that on January 26, 2014, you enrolled online via Western Union SpeedPay in a recurring payment schedule to be paid on the 27th of each monthThe request to cancel the recurring payment schedule was received on June 30th, 2015, after the last payment had been processed on June 27, GM Financial received the payoff for your account from CEFCU in the amount of $32,on June 29, Due to the receipt of the payoff, a refund of $is scheduled to be issued to you via regular mail on July 29, To have the refund released prior to the scheduled date, proof of cleared funds for any payment made within the last thirty days is requiredAcceptable proof of cleared funds includes a copy of the bank statement reflecting the posted payment(s) and a running account balanceDocumentation can be faxed to ###-###-####, please reference your account number of [redacted] on all documentationShould you have further questions or require any additional assistance, please contact GM Financial directly at ###-###-####Sincerely,GM Financial

April 24, Re: [redacted] ? ? ? ? ? Complaint ID: [redacted] ? ? ? ? ? GM Financial Account No.: [redacted] ? Dear Mr [redacted] , Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information Our records indicate that the payment in question posted to your account today, with an effective date of February 23, 2018, in the amount of $We apologize for any inconvenience you have experienced as a result of this situation If you have any further questions or concerns regarding this matter, please feel free to contact GM Financial at ###-###-#### Sincerely, GM Financial