GM Financial

March 17, 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 Enclosed is a copy of the Retail Installment Contract (“Contract”), 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 agencyWe have also included a copy of the payment history for your review 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 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 FinancialEnclosed, please find a copy of the GM Financial Fraud Investigation Process, Investigation Request Form, and ID Theft Affidavit Please remit the completed forms and required documents as per the instructions and an investigation will be conducted Should you have any additional facts relevant to the investigation regarding identity theft, please fax the information in to [redacted] , mail documents to the address below If you have any further questions or require additional assistance, please feel free to contact GM Financial at [redacted] GM Financial [redacted] Sincerely, GM Financial

? September 6, 2017? RE:? Complaint ID:? [redacted] ? ? ? ? ? ? ? [redacted] ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? Dear Ms [redacted] :Thank you for forwarding the correspondence sent to the Better Business BureauWe have reviewed your concerns and would like to offer you the following informationOn October 11, 2010, you signed a retail installment sales contract for the Mercedes Ein the amount of $28,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 November 10, The contract is a simple interest contract which means interest accrues daily on the unpaid principal balanceIn 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 dateIf all payments are paid by the due date, the account would have been paid in full on the contract maturity datePlease note that GM Financial places a high priority on adhering to all state and federal lawsThe state of Florida does not require cure notices to be sent prior to submitting the account for repossessionOn June 1, 2017, the decision was made to place the vehicle out for repossession, as the account balance became due on May 1, 2017, was not paid in full and as allowed by your contract.? As per your contract, upon default, GM Financial may require you to immediately pay the remaining unpaid balance of the amount financed, credit service charges and all other agreed chargesThe “Notice of Our Plan to Sell Property” also explained that you would be required to pay the difference between the amount you owe and what the vehicle sold for, plus expensesThe “Deficiency Calculation” letter which outlines the calculations of the deficiency amount was mailed to your address of record on June 6, to inform you of the remaining balance owed after the sale of the vehicle at auction? Copies of your contract and account payment history where mailed for your reference to the home addressShould you have any further questions or require additional assistance regarding your GM Financial account, please feel free to contact GM Financial directly at [redacted] ? Sincerely,? GM Financial

June 29, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] Dear Ms [redacted] , Thank you for the correspondence sent to the Revdex.comAt this time, GM Financial is currently reviewing your accountA full response will be issued once the review has been completed Sincerely, GM Financial

Complaint: [redacted] I am rejecting this response because: The situation at hand is not resolved, but here is my account number requested in the meantime:? [redacted] Regards, [redacted] ***

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information Our records reflect that a payment in the amount of $was received on March 3, We received another payment on March 4, in the amount of $130.00, and an additional payment on March 5, in the amount of $72.50, for a total of $All payments applied to the accrued interest balance and principal balanceLate fees in the amount of $have been assessing throughout the life of the loan and have not been paid, please see payment historyYour online account was unlocked as you requested, please be advised you will need to check your email as well as your spam email for notifications Included for your review are copies of the complete account payment history of your accountShould you have any further questions or require additional assistance, please feel free to contact Customer Service at ###-###-#### Sincerely, GM Financial

January 25, Re: Complaint ID: [redacted] [redacted] Dear Ms [redacted] , 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 your full GM Financial account number or social security numberUpon receipt of this information I will research this matter Sincerely, GM Financial

Complaint: [redacted] I am rejecting this response because: Account number: [redacted]

Complaint: [redacted] I am rejecting this response because: I am already aware of everything you responded withYour response didnt even touch on most of my stated issuesIf I make a payment May 5th, you should not take more money on the 22nd without letting me knowCustomers should be advised against paying if you know that procedure is to take money regardlessCustomers should be advised they cannot choose due datesIf a service rep is going to cancel anything on the account, they should advise the customer, not go ahead without permissionI received poor service a series of times throughout my less than years with my lease, not just onceThat should be addressed betterNot to mention that I already learned your refund process - days by mail! A month to retrieve money that you took despite me owing nothingAnd I have to provide documentation even though you're aware it happened without a doubtRidiculous excuse for customer service Regards, [redacted]

? Thank you for the correspondence sent via the Revdex.comI have reviewed your concerns and would like to provide the following information? GM Financial check number [redacted] in the amount of $has been cut this morning and a request has been submitted to have this refund sent to you by overnight deliveryIf the overnight delivery request is not approved, the check will be mailed by regular mail via the USPSPlease allow up to 7-business days to receive ? Should you have any further questions, such as how the amount was arrived at, please contact the Lease Recovery Department at ###-###-####? Sincerely, GM Financial

April 5, 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 provide the following information Our records reflect GM Financial has not reported the account as a repossessionAn update was submitted to the credit reporting agencies on April 2, to reflect the current status of your accountPlease 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 Should you have any further questions or require additional assistance in regards to this matter please contact GM Financial at ###-###-#### Sincerely, GM Financial

May 14, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] K [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 Upon review of the account, our records indicate that you spoke with a representative on February 14, and set up a postdated check in the amount of $for February 27, An additional payment was submitted using a mobile device on February 22, in the amount of $The payment method used for this payment is completely consumer driven, initiated, and authorized Our records reflect a check in the amount of $was mailed to the address of record on May 2, and has been reconciled We apologize for the poor level of service you feel you have receivedGM Financial takes all complaints seriously and we appreciate you bringing this matter to our attentionPlease 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 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 provide the following information GM Financial received two applications from [redacted] Chevrolet, one on September 3, and September 4, GM Financial is unable to remove the inquiries dated September 3, and September 4, submitted on your behalf at [redacted] Chevrolet as the inquiries resulted in the establishment of a vehicle lease with GM Financial Should you have any further questions or require additional assistance, please feel free to contact GM Financial at 1(800)369- Sincerely, GM Financial

I need to pass on my account information of my GM account number which is # [redacted] With a Recent update to add to my claim We have had the vehicle returned to usBut now they are demanding all the money now to include August in the month they took the car unlawfully and only returned the vehicle a few days before September I made a full payment on it Friday 8/28/and now they want another this Friday totalling $We did try to have it refinanced at our credit union to pay it off through GM Financial only too find out that the vehicle is $over book value so the credit union cannot even refinance the vehicle for a much better rate and lower paymentWe are forced to deal with GM Financial after everything that has happenedWe did not go through the credit union to purchase the vehicle as I just recently became a member and It is my fiances credit union also My fiance and I are getting married in September and we're not married when I purchased the vehicle with my fiance cosigning on the loan

March 2, 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 provide the following information Please be advised, your GM Financial account ending in [redacted] has been corrected and reflects the payment made on January 8, in the amount of $and was applied towards your monthly payment due for January 1, Your account is currently due for March 1, As of the date of this letter, GM Financial determined there are no credit marks or late fees on the account We apologize for any inconvenience this situation may have causedShould you have any further questions or require additional assistance with regard to this matter, please contact Customer Service 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.As previously stated, the double payment is a separate issue so I won't be commenting on it.As pointed out on the original complaint I email the request to initiate the transfer on 6/30/Diana, the back office manager, failed to send the Assumption Authorization Form and Credit Application until nearly two weeks later (on 7/12/16)This is not only outside of the hour guideline per GM Financial but also after numerous complaints to your reps and manager Victoria H***...all of whom admitted that GM Financial made mistakes in my caseTherefore, I'm unclear on how you would be able to categorize this as being handled in a "timely" fashionBecause of all of the mistakes and delays, MsH [redacted] put my case as her top priority and admitted that it was now a "special circumstance" caseShe also promised to work directly with Diana for the remainder of the transfer processIf my case was standard, GM Financial management would not have intervened to this degree.Now comes the start of the second set of delaysOn 7/12/16, after the assuming party and I submitted the above-mentioned documents, GM Financial fails to get a response back from the credit report agency until nearly a week later (on 7/18/16) because they had again delayed on the paperwork...this time in submitting to the 3rd party agencyAgain, this is outside of the promised hour window.In short, if these two delays had not occurred (i.eif GM Financial didn't make these mistakes) then the transfer of the vehicle would have completed BEFORE the $payment on 7/29/Since the actions of GM Financial is directly responsible for extending the transfer process and triggering the payment, I shouldn't be penalized for itPlease check these facts against the notes on my account again should you need to verify my claimsIn short, I'd like to extend you one final opportunity to reverse the $chargeIn doing so, I will mark this complaint as settle and won't escalate this issue further to GM corporateThank you for your considerationI trust that you'll find this a fair resolution under these circumstances Regards, [redacted] ***

? Thank you for forwarding the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information.? Please understand that your refund is set to be released days from the date the November 6, payment was receivedIn order for GM Financial to release a refund early, copies of proof of cleared funds for the payoff and any payment made within the last days are requiredAcceptable forms of proof of cleared funds are a front and back copy of the cashed check(s) or a bank statement with a running balance reflecting the payment(s) to GM Financial has been paidGM Financial is unable to accept a bank statement as proof of cleared funds if the item in question is reflected as “pending”.? As of today’s date, GM Financial has not received proof of cleared funds for the payoff of your accountIf proof of cleared funds for the payoff of your account is not received, the refund in the amount of $is scheduled to be released on December 1, Please allow 7-business days from this date to receive the refund via regular mail.? Should you have any further questions, please feel free to contact Customer Service at 1(800)284-2271.? Sincerely,GM Financial

May 3, Re: Complaint ID: [redacted] [redacted] Dear Mr [redacted] , 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 your full GM Financial account number or social security numberUpon receipt of this information I will research this matter Sincerely,GM Financial

October 20, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] Dear Mr***, Thank you for the additional 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

October 26, Re: Complaint ID: [redacted] Lorraine [redacted] 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 in an effort to resolve this matter GM Financial has waived the remaining balance in the amount of $as a courtesy Should you have any further questions or require additional assistance regarding this matter, please contact GM Financials Lease Servicing Department at ###-###-#### Sincerely, GM Financial

this is not acceptable Our rights were violated during this process and the fees are beyond excessivethere are so many complaints and many are talking about a class action law suit regarding this company When the car was taken we paid within minutes and GM was supposed to be open till 8pm we were put on hold at 7:and then the disconnected at 7: The answering machine was picking up when we called back 7:58.the way this was handled was so messed up I have everything recorded due to the fact allstate my insurance company was on the line with me trying to verify coverage since you couldn't find the faxes they had sentwe want a refund and have already had an attorney say we should just one, but the Revdex.com needs to step in and help protect us from companies Regards, [redacted] ***