GM Financial

? Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information.? On January 10, 2010, you entered into a Retail Installment Contract and Security Agreement (“Contract”) with Rapid Motor, LLC
for the purchase of the Dodge DurangoGM Financial employees were not present at Rapid Motor, LLC (“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 Financial.? You promised to pay the amount financed of $18,and a finance charge of $15,which resulted in a total of payments of $33,527.52, 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 page one of your Contract under “Promise to Pay and Payment Terms”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 22.50% in installments of $? 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, two 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 June and July of 2010, September and October of 2010, December of 2012, and January of Because of the due date changes and deferments processed at your request, the maturity date of the account moved to August 15, On page two of your Contract under “General Terms”, it is also explained that the actual amount you will pay may be more or less depending on your payment record.? The deferment agreements were e-mailed to *** on October 27, 2010, December 31, 2010, and December 3, Our records reflect that the agreements were signed electronically on the following dates with the following acknowledgement numbers:October 27, with an? acknowledgement number of 800152? January 5, with? an acknowledgement number of 518068December 4, with an acknowledgement number of 279426? 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 date.? On August 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.? GM Financial is unable to honor your request to refund an amount of $3,or release the title to the vehicleFinance Charges are being assessed as per your Contract and within the maximum amounts permitted for this sale by state or federal law.? Copies of your Contract, Account Payment History, and the Simple Interest Maturity Notice mailed to you on August 15, 2015, as well as the electronically acknowledged deferment agreements have been mailed to your address of record.? Should you have any further questions or require additional assistance, please contact Customer Service at ###-###-####.? Sincerely,GM Financial

August 29, 2016? Complaint ID: *** ***? Dear Mr***,? Thank you for the additional correspondence sent to the Revdex.com (“Revdex.com”)I have reviewed your concerns and would like to provide the following information.? Our records reflect that your account was
updated to reflect that your account is in dispute on January 27, 2011, on the date we received and responded to the first credit bureau dispute you submitted through ExperianTo date the account remains in a dispute status as you have not yet indicated verbally or in writing that you are in full agreement with the way GM Financial is currently reporting the account.? ? ? ? Our records further? reflect that GM Financial received two requests for validation of debt, one received on June 17, and the second received on July 25, In an effort to protect your privacy and to comply with all guidelines for sending personal information, all personal identifying information including the address provided, must match the information we have on file for youA review of the letters received reflects an address not on file with GM Financial; and as a result, letters were mailed to you at the address provided on June 18, and July 25, asking you to contact GM Financial at ###-###-####,? as additional information was? required to be able to properly assist you.? Per the Fair Credit Reporting Act (“FCRA”), 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 honor your request to delete the previous credit bureau reporting of your account.If you would like copies of account documents sent to you to validate this debt further, please provide GM Financial by phone or via a response through the Revdex.com with your address of record in 2013.Should you have any further questions, please contact GM Financial at ###-###-####.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
Upon review of the account, GM Financial has submitted an update and forwarded the proper documentation to Transunion to have the day
delinquencies removed that reported in February and March Please allow 30-days for this information to update and reflect accordingly
Should you have any additional questions regarding this matter please feel free to contact GM Financial at ###-###-####
Sincerely,
GM Financial

September 27, ? RE: Complaint ID: *** ? ? ? ? ? ? ? ? *** *** ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? Dear Mr***, Thank you for forwarding the additional correspondenceWe have reviewed your concerns and would like to offer you the following information On January 31, 2011, you signed a Motor Vehicle Retail Installment Sales Contract (“Contract”) for the purchase of a Dodge Charger in the amount of $25,at an interest rate of 18.00%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning on March 17, ? Enclosed is a copy of the Retail Installment Contract (“Contract”), a copy of your state driver’s license and a copy of the credit applicationThese documents are sufficient to validate your obligation for this account and all the information that has been sent to any credit agency 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? If you are the victim of identity theft regarding a GM Financial account and wish to request an investigation, the claim must be submitted in writing and mailed or faxed to GM FinancialYou may find these forms at *** under ‘security.’ Please remit the completed forms and required documents as per the instructions and an investigation will be conducted? If you have any further questions or require additional assistance, please feel free to contact GM Financial at ***? Sincerely, GM Financial

June 6,
Re: Complaint ID: ***
? ? ? ? ? *** G ***
Dear *** ***,
Thank you for the additional correspondence sent to the Revdex.com We have reviewed your concerns and would like to provide the following information
Please be advised that GM Financial has not changed our position regarding the account and the information provided
As previously advised, a copy of your account payment history has been sent Should you have any further questions or require additional assistance with regard to this matter, please contact Customer Service directly at ###-###-####
Sincerely,
GM Financial

August 15,
Re: Complaint ID: ***
? ? ? ? ? *** *** ***
Dear Ms***,
Thank you for the correspondence sent to the Revdex.comAt this time, GM Financial is currently reviewing your accountA response will be issued once the review
has been completed
Sincerely,
GM Financial

Complaint* ***
I am rejecting this response because:you have my information !! I will give it to you againMy ss# ***!!! I’ve also spoke with yet another representative from your company and I was told that I was getting a paper check on April th?!?! WTF? I owe bills of a total of plus I’m down 107.00$ in my bank account!
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,
*** ***

August 17, 2016? Re: Complaint ID: *** * ***? Dear Mr***,? Thank you for the correspondence sent to the Revdex.com regarding your GM Financial accountI have reviewed your concerns and would like to provide the following information.? At this time, the
account is currently still under reviewPlease allow an additional 7-days to complete the research and issue a response? Sincerely, GM Financial

January 9,
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
Your GM Financial account
matured on July 4, 2016; at which time the balance was due in full for the amount of $2,Our records reflect that the July 4, installment payment was received on August 12, At this time the account was over days past due and was reported to the credit bureau reporting agencies for the July installment due dateA loan extension was offered to you at no interest in efforts to assist you with the remaining balance, the Rescheduling process was completed on August 19,
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 account and credit agencies
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

March 19,
Re: Complaint ID: *** ? ? ? ? ? *** ***
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
As previously explained, our records reflect the account was last reported in December of for the November paymentYour payment was due on November 6, GM Financial received a payment in the amount of $on November 22, An additional payment was made to complete the November payment on December 8, in the amount of $
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
Please note that if your records reflect differently, please feel free to send in proof of cleared funds for the November of paymentUpon receipt of this information I will research this matter
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: my complaint is due to the fact that the dealer took > days to ground the vehicle and the charges for the late return were passed on to me.?
Regards,
*** ***

August 1,
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 note when processing a
payment via *** *** Speed Pay if the funds do not clear on the first attempt, a second attempt will be made if your financial institution allowsPlease understand that once you agree and authorize the payment GM Financial is unable to stop the second attempt even if additional arrangements have been made
Unfortunately, we are unable to comply with your request to reimburse any overdraft fees assessed by your financial institutionOur records reflect you were previously advised of this information
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 excellenceShould you have any additional questions regarding this matter, please feel free to contact GM Financial directly at ###-###-####
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because:? ? I understand I am to pay my monthly payment - I have never missed a payment or had NSF fees but when I attempted to change my financial information on your website it charged my old financial institution and my current.? I want the $in fees back.? The point of autopay is to set it and forget it - so for months I have been paying and now my bill is down to and on statements there was errors on my excise tax.? I will pay the $which has been resolved.? But I want the fees I incurred rebated.? 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,
*** ***

June 20,
Re: Complaint ID: ***
? ? ? ? ? *** ***
Dear *** ***,
Thank you for the additional correspondence sent to the Revdex.com in regards to the unauthorized inquiry on your credit report We have reviewed your concerns and would like to provide the following information
On January 2, 2018, GM Financial received an application for credit submitted at *** *** You have indicated that you are disputing the inquiry as unauthorized; and as a result, GM Financial has requested that the appropriate credit reporting agencies remove the GM Financial inquiry from your credit report In the event that the credit bureau reporting agencies are unable to delete the inquiry, we have asked that at a minimum they convert the hard inquiry to a soft inquiry Please be advised that it can take the credit reporting agencies four to six weeks to update your credit report
We have mailed a copy of the Inquiry Removal letter for your review Should you have any further questions or require additional assistance with regard to this matter, please contact Customer Service at ###-###-####
Sincerely,
GM Financial

January 10,
RE: Complaint ID: ***? ? ? ? ? ? *** ** ***?
Dear Mr***,
Thank you for the additional 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 number and or account numberUpon receipt of this information I will research this matter
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because:? ? ? This "resolution" was organized by me after my 10th phone call to GM FinancialA very nice young lady FINALLY assisted me with getting the check reissued after a phone call on March 7th.? While I ultimately got the return of the money I asked for this "solution" only addresses a small portion of my complaint.? What was not addressed is the fact that I had to wait full days after this company received an excess in pay to get my money returned to me.? In addition, the most important factor, is how many times I had to call in and how many HOURS I spent on the phone just to get a resolution.? The people who talked to me or claimed would send an email because there was "nothing that could be done" will continue to be able to treat other customers this way.? In addition, even AFTER a complaint to the Revdex.com nothing was done to assist my problem other than "looking into my account".? The first check was supposed to be mailed to me at the beginning of February and I'm receiving it March 12th.? This company and it's representatives should be ashamed of themselves to treat customers this wayI will NEVER do business with this company again and will continue to write public reviews warning others to do the same.? I have nothing more to say here in regards to this matter.?
Regards,
*** ***

Complaint: ***
I am rejecting this response because the point still remains that I requested arbitration and was waiting on a date$was still unethical and the repossession was still a power move on GM Financial part? Forcing me to pay without the right to arbitrationAnd for them to still be able to cause unfair credit reporting should be against the lawAt the end of the contract they received more than fair value and I received the titleI am requesting that they be removed.?
Regards,
*** ***

Complaint: ***
I am rejecting this response because:The issue is not resolved yet, so I am not accepting itBut my account number is ***?
Regards,
*** ***?