GM Financial

? Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information.? On June 5, 2010, you entered into a Motor Vehicle Retail Installment Sales Contract (“Contract”) with *** *** ** *** for the
purchase of the Chevrolet CorvetteAmeriCredit Financial Services, Inc(“AmeriCredit”) employees were not present at *** *** ** *** (“Dealer”) during the signing of the contract and AmeriCredit was not an original contracting party in any agreements between the two partiesThe contract was subsequently assigned to AmeriCreditOn October 1, 2010, AmeriCredit was purchased by General Motors, and the company name was changed to GM Financial? Within the contract, you promised to pay the amount financed of $24,and a finance charge of $12,which would result in a total of payments of $36,966.24, if all payments are made on the contracted date they are dueIt is important to understand that this contract is a “simple interest” contract, meaning that interest is accrued daily on the unpaid portion of the amount financed, as indicated on the face of your contractExplanation of interest accrual, application of payments, and how late or early payments change what you must pay is explained on page two of your contract under the section titled “Finance Charge and Payments”By 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 15.15% in installments of $513.42, and any other charges within this contract? A review of your account activity and payment history reflects that additional interest accrued over the life of the loan due to payments being made after the scheduled due date, three due date changes, and deferments that were processed at your requestThroughout the time your account has been active, deferments were processed for the months of October and November of Because of the due date changes and deferments processed at your request, the maturity date of the account moved to September 15, ? A deferment agreement was e-mailed to you at *** on October 17, 2011; and our records reflect that you acknowledged this agreement online on the same date with an Acknowledgement number of Within this agreement you were advised that interest will continue to accrue during the month(s) deferred on the unpaid balance of the contract at the rate specified in the contract and any deferment fee collected may not be sufficient to pay this accrued interest, and that this would result in a final higher payment due at the end of your contract on the new maturity dateAn additional notice regarding interest accrual was reflected on the first billing statement following the deferred installment period.? On September 15, 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 again explained within this notice.Finance Charges have been assessed as per your contract and within the maximum amounts permitted for this sale by state or federal lawAdditional copies of your Contract, Account Payment History, the electronically acknowledged deferment agreement, the billing statement dated November 20, 2011, and the Simple Interest Maturity Notice mailed to you on September 15, 2015, have been mailed to your address of record for your reviewPlease allow 7-business days to receive.? At this time the payoff amount for your account is $2,726.53, good for ten days through June 26, This amount includes the following:PRINCIPAL AMOUNT:? ? ? ? ? ? ? ? ? ? ? ? $2,699.71INTEREST DUE:? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? $26.82INTEREST PER DAY:? ? ? ? ? ? ? ? ? ? ? ? ? ? ? $1.11? Please understand that once your maturity date expires, the remaining balance becomes due in full and the account will continue to report to the credit bureau reporting agenciesIf you are unable to pay this balance in full at one time, GM Financial provides assistance in the form of a Final Installment Payment Agreement, where the remaining balance is rescheduled for a specified timeframe at 0% interestAfter your loan matures on September 15, 2016, and if you would like to take advantage of this assistance, please contact GM Financial’s Expired Loans department at ###-###-####.? Should you have any further questions or require additional assistance, please contact GM Financial’s Customer Service department at ###-###-####.? Sincerely,GM Financial

Complaint: ***
I am rejecting this response because: They should forgive the rest of the money they say I owe , because they got the money from the auction, and I paid most of the money and lost most of the money but who cares right I sign a contract....? I tried to refinance but I couldn't because I miss payments with GM
Regards,
*** ***

Complaint: ***
I am rejecting this response because:
? I paid off my Dodge Charger on 04/02/I called GM Financial because there records was showing I still owed a final paymentWhen I called GM Financial I spoke to a supervisor and she stated the final payment was cashed and sitting in a fileSupervisor said to give them hours to apply the final payment to my accountI gave them over a weekI called 5/8/and the automated service said my title was released on 4/18/I called and spoke with a supervisor and she said no one put it in to have the title released to meCustomer services representative are rudeI want the title to my carI paid for the car and never received my titleThis is retaliation for filing a complaint against this finance companyI just want the title to my carThis is unacceptable

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,
*** ***

June 7,
Re: Complaint ID: ***
? ? ? ? ? ? *** O*** ***
Dear *** *** ***,
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

April 13,
Re: Complaint ID: *** ? ? ? ? ? *** ***
Dear Mr***,
Thank you for the correspondence sent to the Revdex.com I would like an opportunity to address your concerns; however, additional information is required At your
earliest convenience, please forward me your social security number and/or account numberUpon receipt of this information I will research this matter
Sincerely,
GM Financial

March 19,
Re: Complaint ID: *** ? ? ? ? ? *** ***
Dear Mr***,
Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information
On November 18, 2015,
you signed a Closed End Motor Vehicle Lease (“Contract”) for a Buick EnclaveWithin the agreement, you agreed to a month lease term with a monthly payment in the amount of $per month, due on the 18th day of each monthLate fees are assessed when a payment is not received within days of the date it is due
A review of your account indicates that you enrolled for the Automatic Payment Plan (“ACH”) on December 10, and would be effective with your lease payment due on January 18, Please note our records show numerous attempts were made in effort to contact you regarding the status of your account
Our records reflect that you have a current late fee balance of $334.39, which have been assessed throughout the life of the lease As a courtesy, GM Financial has submitted a request to waive $in late fees
Should you have any questions or require additional assistance in regards to this matter please contact GM Financial at ###-###-####
Sincerely,
GM Financial

July 3,
Re: *** ***
? ? ? ? ? Complaint ID: ***
Dear *** ***,
Thank you for the correspondence sent to the Revdex.comWe have reviewed your concerns and would like to offer the following information
A review of your account
indicates a day payoff quote was mailed to the address on file and faxed to the number requested as of today’s dateIf you would like further information regarding this matter, additional information will be requiredFor verification purposes, please reply with the full account number and the last digits of the Vehicle Identification Number “VIN” or feel free to contact us 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 informationGM Financial has not changed its position regarding the status of your account
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 or the loss of the payment 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.comSome of these payment options are provided by Western Union and are subject to a convenience feePayment options available at no cost include the ACH payment option online or the GM Financial Automatic Payment Plan
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 make any changes or deletions to the credit bureau reporting of your account
Should you have any further questions or require additional assistance regarding this matter, please contact GM Financial’s Lease Servicing Department at 1(800)369-
Sincerely,
GM Financial

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11022891, and find that this resolution is satisfactory to me? Thank you for the letting me be on the title.?
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
Regards,
*** ***I would also like to add that as of yesterday I was able to get a hold of their customer service lineAfter waiting over an hour they finally figured out my problemA payment was made from another financial company that was not myself and they had to fix the corrected amount that I own on the vehicle because the money was taken back out because it was paid by mistake to the wrong accountThey saw the payment was made on June 20th, They did not notice it until November 17, They did not contact me nor notify me of this and lead me to believe I owed more than I was suppose toAfter trying to get a correct answer after months I finally was told of this paymentThere was a lack of communication as well as doing their job to track these payments on their partI have yet to talk to a supervisor and have spent the last weeks trying to get a hold of someone on the customer service lineI would still like to file a complaint and add this bit of information on to the original complaintMy social is ***The GM Financial account number is ***

The daily charges against me were never reveled to me until March ? ? First of all I made all my payments on or soon after the day of my paycheckYou can see this in my payment historyWhen I started getting calls because my due date was on the 9th of the month and I was making my payments on the 20th No one ever told me of these charges only that, No Mr James your not technically late and no you will not be reported as late to the credit bureaus and as long as your not late and you will be charged no late fees.? So of course I was always encouraged to pay when I could after the due date that way you make the most money and as far as I know I am doing OK because I have no marks against my credit and no late charges.? So finally someone with a concern contacted around March and said No sir you have no late pays fees and no marks against your credit but paying after the due date is building up charges that will cost you at the end.So at that time I made arrangements to pay over my amount for several payments and get ahead of my due dateYou can see my payment history after June that I was always to days early and? thats? how its been since then? There was one employment change in that was the deferment request due to changes in my payment scheduleI was never advised that these deferments were a bad thing against me just that I may pay like $extra at the end of the loan.And yes I received the notice in that my last payment would be more than normalNOT THAT IT WOULD BE $MORE!!! ? ? So as far as I knew I was doing well with the loan? throughout the whole loanWhy? Because I had no late pays on my credit and no late charges? I had no Idea you had charged me over $due at the end of the loan and within daysI? Was always told by your people as long as I payed before it was actually late everything would be ok.? ? ?

July 9,
Re: *** ***
? ? ? ? ? Complaint ID: ***
Dear Ms***,
Thank you for the correspondence sent to the Revdex.com.? We have reviewed your concerns and would like to offer the following information
GM Financial has
mailed a Fraud Investigation packet to your address of recordPlease allow 7-business days for deliveryOnce received, please remit the completed forms and required documents as per the instructions and an investigation will be conducted regarding your claim of an unauthorized account being opened in your name
Should you have any further questions or require additional assistance, please feel free to contact us 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,
*** ***

Thank you for forwarding the additional correspondence
Please be advised that GM Financial has not changed our position regarding the account
Thank you for your time and insight regarding your experience with GM Financial
Sincerely,
GM Financial

November 3,
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
A review of your account reflects that the vehicle was involuntarily repossessed on November 8, 2011, and after the sale of the vehicle a deficiency balance remainedThis balance was reported as a charge off on December 14, The date of first delinquency for your account is August 8, Your account reflects that the last regular credit bureau update was sent on November 9, in which the account was updated from charge-off to settled in full
Please understand that GM Financial is required to report truthful and accurate information to the credit reporting agenciesOur research concludes that the account status and account payment history have been reported to the credit agencies with accuracyAs a result, we are unable to make any changes or deletions
If you have any additional questions regarding this matter please feel free to contact the GM Financial at ***
Sincerely,
GM Financial

September 25, ? RE:? Complaint ID:? *** ? ? ? ? ? ? ? *** *** ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? Dear Ms***: ? 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

August 2,
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 note all previous due date changes were not processed because the account was not current at the time of the request, and required a return phone call when the account was brought current
In order for GM Financial to research and locate a missing payment, proof of the cleared funds are requiredIf the missing payment has been cashed by GM Financial, please fax in a front and back copy of the cashed check or a bank statement with a running balance, before and after both transactions, to (*** *** so that research may begin
Should you have any questions or require additional assistance regarding this matter, please feel free to contact GM Financial directly at (*** ***
Sincerely,
GM Financial

July 12,
Re: Complaint ID: ***
? ? ? ? ? *** S ***
Dear *** ***,
Thank you for the additional correspondence sent to the Revdex.com We have reviewed your concerns and would like to offer the following information
Upon review of your account, our records indicate the payment made on June 18, in the amount of $was applied towards your May 18, installment due date Please note, this payment was received on the 30th day
On July 2, 2018, GM Financial submitted an update to the credit bureaus to reflect the current account status and remove the derogatory mark that reported for your May installment due date The bureaus generally reflect the updated information within 30-days, if an update was required Please understand that any additional disputes submitted through the credit bureaus prior to these updates may cause the credit agencies to void the update submitted by GM Financial
We would like to apologize for the poor level of service you feel that you have received Please be assured that GM Financial gives customer service a high priority and is totally committed to achieving excellenceIf you have any additional questions regarding this matter please feel free to contact GM Financial at ###-###-####
Sincerely,
GM Financial

This complaint is still not resolved.? We are still getting negative hits on our credit history from GMC stating delinquent account.? The most recent dated 6/1/18.?