GM Financial

Complaint: ***
I am rejecting this response because:GM Finance removed all the data from my credit reports and added it back There was no payments showing except for the month of May There are causing me issues with how they are mishandling my credit I would appreciate if they returned it to how they reported in on May I attached the information that GM reported I will be filing an additional complaint and seek legal actionThey removed the information and then reinsertedAccording to FCRA? Inform consumers about negative information which is in the process of or has already been placed on a consumer's credit report within one month.I was not informed before you reinserted this information that you removed It’s not fair or good business practice You go months without reporting and this is even prior to your update to your systems?
Regards,
*** ***

Please enter your reason(s) for rejecting the business response below.I requested a copy of the following documents that you listed:October 27, with an? acknowledgement number of 800152? January 5, with? an acknowledgement number of 518068December 4, with an acknowledgement number of 279426I was denied these documents by your "Manager"I was told I could not have access to these documents but if a subpoena is issued in court then you would provideWhat is wrong with that picture? ? I am a consumer and have every right to view any and all documents to verify what you "claim" was in them? By not providing them you are being deceitful and elusive.? There are no unpaid balances as you allegeAll payments have been madeAccording to GM Financial website, as of May 14, Total payments that were made was 79; unless, it has since been altered.? I have contacted the SD Attorney Generals Office and your corporate officeI know there is a social media blog regarding GM Financial and your tactics of adding on additional payments, refusal to send titles once contracts have been finished, and refusal to provide documentsPractices you are clearly following? A Class Action lawsuit has been discussed.? ? ? ?

I have not forgotten my password? I have successfully logged in recently? I can see you do not want to admit your company made an error? I will NOT be recommending your company to anyone for future? All I asked for was an apology for your company error

May 29,
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 the account number and/or the last four digits of your social security number, along with the year, make, and model of the vehicleUpon receipt of this information I will research this matter
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because: I Have given my social and account number to multiple employees of this company.Also in the response I am supposed to respond to, they give no one except a number that leaves you on hold for an hour or two while no one answers or nothing gets done even after you have spoken to several employees including "managers"
Regards,
*** ***

Complaint: ***
I am rejecting this response because: your response admits violating the terms of the contractIt says you may change the scheduled payments, not you may change the scheduleSo the charge for immediate payment of the taxes was improperTherefore the repossession was unlawfulThis means GM Financial broke the terms of the contract when you repossessed the vehicleMy desired solution remainsI want this properly reported to the credit reporting agencies as all payments on time and that GM Financial unlawfully and unilaterally terminated the lease without causeAdditionally, I want reimbursement for the travel I've had to pay for without the vehicleIn exchange, I'll consider this matter resolved to our mutual satisfaction and agree to not seek further damages
Regards,
*** ***

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information.On September 10, 2015, both you and *** *** signed a Motor Vehicle Retail Installment Sales Contract (“Contract”) for the Nissan Maxima in
the amount of $21,at an interest rate of 17.95%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning on October 25, 2015.Although you’ve stated that you do not have possession of the vehicle, all parties to the contract are still responsible for maintaining the monthly installment payments as per the ContractAs of today’s date, the December 25, installment due date is days past dueAt this time, the vehicle has not yet been assigned for repossessionAs per state law, prior to repossession, a cure notice will be issued by First Class Mail to all liable parties to the Contract.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.Should you have any further questions or require additional assistance, please contact GM Financial at 1(800)944-5047.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.We apologize that you feel that you have been misled; however, how we will figure the Finance Charge (“interest”), apply payments, and how late or early payments change what you must pay is clearly reflected on page of your contract in the first section titled “Finance Charge and Payments”.? By signing the contract you agreed to the terms and confirmed that before you signed the contract that it was given to you and that you were free to take it and review itHow payments have been applied to your account balance has always been clearly conveyed on your monthly billing statements.? Each time a payment is made the next billing statement will reflect the breakdown of the payment into principal and interestCopies of your last three billing statements have been included for your reviewPlease understand that how much interest you pay over the life of this loan is completely determined by how you make your monthly payments, early, on time, or lateThe amounts reflected on the face of your contract in the “Federal TruLending Disclosures” section was calculated based on the assumption that you will make every payment on? the date it is dueShould you have any further questions or require additional assistance, please feel free to contact GM Financial at ###-###-####.Sincerely,GM Financial

March 20,
Re: Complaint ID: ***
? ? ? ? ? *** ***
Dear *** ***? ,
Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information
On January 17, GM
Financial received an application for credit submitted at *** *** ***You 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 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 or require additional assistance please contact GM Financial at ###-###-####
Sincerely,
GM Financial

March 1,
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
Please note on
June 24, 2015, you signed a Retail Installment Sale Contract for a Chevrolet Cruze in the amount of $13,at an interest rate of 14.25%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning July 24,
On September 26, 2017, the decision was made to place the vehicle out for repossession, as allowed by your contractAt this time the account was 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
A repossession fee is charged every time a vehicle is picked up, along with any other additional fees
Our records reflect that you completed the reinstatement of this vehicle on September 29,
On October 10, 2017, GM Financial received a check in the amount of $9,The payment was not sufficient to satisfy the loan balance and was applied to the principal balanceAn additional payment was received on February 17, in the amount of $which satisfied the loanDue to the issues you have experienced, a check in the amount of $has been sent to the address on file via FedEx overnightPlease be advised your account currently reflects a zero balance
Should you have any further 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
Regards,
*** ***

March 29,
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
Please be advised, a refund
check in the amount of $1,was mailed to your address of record on March 28, We apologize for any inconvenience and appreciate your patience
Should you have any additional questions regarding this matter, please contact GM Financial at ###-###-####
Sincerely,
GM Financial

That is very good business practices that your ,so called company keepsHowever, our documentation never stated otherwise and if you had so rightfully purchased the company when you say then why, tell me, did you send us a letter telling us basically that we were late for a payment when the account has been previously paid offGM Financial or as many people put it...Government MotorsBail out kings of the USA, ? It is then quite obvious to my spouse and I but dumb founded to you all that you had no comprehension of the payoff what so ever till you then realized your ignoranceThis is over now that we have spoken to the lawyers and they will direct us where to tell you to go from hereYou will be receiving our documentation that we have that we know you do not possess and then you can barbeque it, eat it and digest the truthThat is something your company knows nothing about, even if it bit you in the backsideWe will as much as possible make sure our review of your Business Ethics , as poorly as they are, don't go unnoticed! Thank God we are done with this company and its heathens!

April 11,
Re: Complaint ID: *** ? ? ? ? ? *** ***
Dear Ms***?
Thank you for the correspondence sent to the Revdex.com At this time, GM Financial is currently reviewing your account Please allow additional time for your
request to be reviewed Once the review has been completed, a response will be communicated to you via regular mail
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because: I just received paperwork from your company that I forwarded to my financial institution
Regards,
*** ***

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

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.? I reviewed my account online at GM Financial and my account showed a past due of $79.45, which I made a one time payment.? I should no longer have a past due amount
Regards,
*** ***

October 23, ? RE:? Complaint ID:? ***? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? *** *** ? ? Dear *** ***: ? Thank you for forwarding the additional correspondence sent to the Revdex.com ? Please note that GM Financial has submitted an update and forwarded the proper documentation to all three major credit bureaus to remove the delinquency reportedPlease allow the credit bureau reporting agencies 30-days to reflect these updates ? Our records also reflect that a refund check in the amount of $was mailed out to you on October 20, We genuinely apologize for any inconvenience this has caused and appreciate your patience in resolving this matter? Sincerely, GM Financial ? Tell us why here

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***2, and have determined that this does not resolve my dispute
To whom it may concern, ? My complaint number is ***I am responding to the information you have received from GM FinancialLet me ? start off by saying that I have spoken to a couple of different supervisorsOne of the supervisor informed me that my payment was received in the payment ? department and cashed and they could not read the back of it and transfer it ? to another department? I feel that as a paying customer who has not been late with any of my payment , should not be penalized for something it the company’s faultThis is not fair to ? paying customer who do right by the systemIt’s not fair to me that the company wants me to pay for there mistakeI do not have extra money for there mistakeThey are charging me late fees for something I had paid on timeThis is unacceptableI have all my receipts from the time I received the carAll payment made on time For me to be told by the Revdex.com I need to get a copy of the front and back of the money order is unacceptableI would like for the Revdex.com to ask the GM Financial leasing company where does the payment goes when it the payment are mailed it in to there companyThe money order was mailed in with the statement that is received and mailed back in with the paymentThe account number is on the statementThe account number was on the money orderExplained to me, what is so hardI am not trying to be difficult, ? but it’s the principalI feel that GM Financial leasing is not cooperating in this matter? They had no problem cashing my July payment along with all the other payment they receivedThey stated that they will investigate, but I feel that they did not dig deeper to resolve the problemWhoever you get on the phone, is only reading what notes someone enteredThis is not helping the customerThey should start from the beginning when ? the payment was first ? received from there ADP departmentThey have my payment and the statementThere was a male supervisor that hung up this eveningIt does not matter if the customer is irate or notYou do not hang up on a customerThis is not how you do businessWhat if the shoe was on the other footNow, I want to know how and what is the Revdex.com is going to do and handle this problem? Please get back to me?
Regards,
*** ***

July 27,
Re: Complaint ID: ***? ? ? ? ? ? *** B ***
Dear Ms***,
Thank you for the correspondence sent to the Revdex.comWe have reviewed your concerns and would like to offer the following information
Our records indicate, on
July 24, 2018, GM Financial emailed a copy of the contract and the title to the email address on record
Should you have any further questions or concerns with regard to this matter, please contact Customer Service directly at ###-###-####
Sincerely,
GM Financial