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 GM Financial understands that customers may face financial hardships throughout the life of their loanPlease understand that deferments are not a contractual obligation and are not always availableAt this time, you have not yet established enough payment history in order to be eligible for this type of payment assistance We would like to apologize for the poor service that you feel you have receivedPlease be assured that GM Financial gives customer service a high priority and is totally committed to achieving excellence A thorough review of your account has been conducted and it has been determined that the handling of your account is in compliance with all state and federal lawsOur research further indicates, that during the conversation you reference, you were provided with all options currently available to you, including voluntary surrender Should you have any further questions or require additional assistance, please contact GM Financial at ###-###-#### Sincerely, GM Financial

February 21, 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 An update was submitted to the credit bureau reporting agencies on February 21, to reflect the current account status and the date last paidPlease 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

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: Account number is: [redacted] Regards, [redacted] ***

November 22, 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 Our records indicate that the payoff has been posted to your account effective October 31, A refund check will be mailed to your address of record on November 27, for the automatic ACH payment that was drafted on November 1, We would like to apologize for the poor level of service you feel that you have receivedPlease be assured that GM Financial gives customer service a high priority and is totally committed to achieving excellence If you have any additional questions regarding this matter please feel free to contact GM Financial at [redacted] Sincerely, GM Financial

Complaint: [redacted] I am rejecting this response because: Regards, [redacted] ? [redacted] GM never informed me of any of this, I called and spoke to a repOn Nov17, and she told me My Recurring payment were active and I had nothing to worry aboutSbe never in formed me I need to take any other actions regarding my paymentsGM is refusing to take responsablity for their miscomunication and misinformtion.I do not have access to this email account and never recived us mail or a phone callAgain I made a call to customer service ? and was told My recurring payment was good on November 17, After they ended my payments, Not Me as they are trying to sayTbey are liers.?

January 15, 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 As previously explained, this account was paid off on July 11, GM Financial received a bill from the state of Kentucky on July 19, via an electronic file and was paid by GM Financial the same dayThe account was thru billed for the property tax from Kenton County on July 19, 2017, the balance on the account is $Please be advised that Kentucky does not offer refunds on partial years As outlined in the lease agreement (See Page 2, under Other Terms and Conditions, Section H), you are responsible for personal property taxes, sales, use or similar taxes assessed on the vehicle whether such fees or taxes are billed during or after the lease term, and whether you are billed by the government or whether we pay them and bill you for them or include the amount of such taxes as part of your scheduled payment Should you have any further questions or require additional assistance, please feel free to contact Customer Service at [redacted] Sincerely, GM Financial

March 2, Re: Complaint ID: [redacted] [redacted] Dear [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: Notice was never sent to me or receivedGM Financial has refused to provide proof of notice being sent on 12/18/This noitice was allegedly sent prior to any enhancements made on the GM Financial system which have absolutely nothing to do with me or negates GM Financial of their legal responsibility of providing said notice even after GM Financial called me on 12/BEFORE their subsequent system shut down and was told by me that notice had NEVER arrivedAnd that conversation was recorded and authorized for being? recorded by GM Financial rep [redacted] ***I will be contacting the Illinois States Attorney Office as well as a private lawyer because no notice was sent in accordance to Illinois Repossession LawAnd GM Financial has refused to provide a tracking number of the notice or any other documentation to provide the whereabouts of the notice ssupposedly sent on 12/18/The system shutdown is the companies issue not mineGM Financial should have had other alternative measures put in place to handle any issues that were to arise during the shutdown which concluded on 1/8/and not 1/5/as they stated in their notices to their customers.? Regards, [redacted] ***

Revdex.com: I have reviewed the response made by the business in reference to complaint ID 11518553, and have determined that this does not resolve my dispute Thank you for respondingMy social security number is [redacted] I'm not sure of the "date of inquiry" but my initial call with GM financial took place during the week ending may thru may 20, which was my wedding dayMy car was towed on June 2nd and I've spoken to approx -different reps between June - June 13thI haven't heard anything from anyone since that time My contact number is ###-###-####I made the complaint with the Revdex.com on June 23, Thank you and I hope to hear back from you soon [redacted] ***

Revdex.com: I have reviewed the response made by the business in reference to complaint ID 11518553, and have determined that this does not resolve my dispute Please enter your reason(s) for rejecting the business response belowThe response from GM Financial is dissatisfying and unnerving to say the leastI know that I was behind two months and as I stated I was contacted by a representative that discussed several options with me, one of them was a deferment that she stated I was eligible forI told her that I was getting married and before I take a deferment I wanted to try to pay for the two months with my expected wedding giftsGM FINANCIAL's rep TOLD ME to TAKE MY TIMEShe NEVER told me that I had a certain date or amount of timeIn fact she told me that I could wait until after my wedding and honeymoon and then call you guys......again with no date givenMy wedding was already fully paid for and was unemployed (I lost my job in March and had to depend on my family to give me money until I could get a job or some means of additional incomeSo why would I outright deny a deferment.??? I certainly did NOTWe discussed it and I was given the option to wait until after the weddingNo one in their right mind would deny a way to keep their vehicle and risk having their vehicle repossessedTo add to that, she made erroneous notes on my file, she did not put any notes stating that she informed me of any dates and put in a "NOT TO CALL NOTE" in my file, which I was informed of AFTER my vehicle was told by a rep who was giving me the info on where my car was towed toSO not only did you make a decision to repossess my vehicle but didn't even notify me of such all due to your repI find your response to be insulting and shows that you will risk customers and their livelihood before admitting any wrong doing on your behalfCommon sense would show that no one would purposely not make contact or any effort to keep their vehicle if they had the information that YOU statedYour inability to see the miscommunication and error on your side that led to this repossession is disgustingI get that your company needs to protect its interest but not at the expense of your customerThis would have all been avoided if that do not call note wasn't on my fileif I was informed I would still have my vehicle and GM Financial would not have to go through the paperwork involved with a repossessionNot to mention that a repossession doesn't look good from a financial business perspective on your end either It was an error that could have been avoided and the response that was given was not acceptableI am still planning on seeing legal advice on the errors made by your rep because I'm sure putting an unauthorized note like that in my file without my knowledge or consent has some illegality to it especially since it resulted in a repossession that has a significant negative and long lasting effect on my creditI feel horrible and I will never refer anyone to your business and I will tell anyone who asks how you take advantage of people who are struggling and make surprise attacks by repossessing their property with no prior notificationAs I stated, I will contact an attorney at some point Regards, [redacted] ***

January 25, RE: Complaint ID: [redacted] [redacted] Dear Ms***, 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

March 23, 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 the account was reported in December of for the November paymentYour payment was due on November 14, GM Financial received a payment in the amount of $on October 31, $of that payment went towards your November 14, due dateAn additional payment was made to complete the November payment on December 18, in the amount of $$was applied towards the remaining November 14, payment due date An update was submitted to the credit bureau reporting agencies on March 23, to reflect the most current informationPlease 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 please contact GM Financial at ###-###-#### Sincerely, GM Financial

Complaint: [redacted] My account number is [redacted] Thank you Regards, [redacted]

The reasons I was paying after due due date was because my payday was after the due date and because every time I called or answered your courtesy calls about my payment before I was told "well, its not actually late until so in so date" And as long as you promise to pay before this date we wont charge a late fee and we wont ding your credit Not one time before was I ever advised or notified that this interest was being added every day I payed after the due date You deceived me by telling me its fine as long as I got that payment in before the grace periodAnd of course you tell people that, you want them to make arrangements to pay after the due dateYOU MAKE MORE MONEY THAT WAY!! I believe you withheld that information on purpose, you know most average customers like myself don't know about these daily interest charges, most are concerned with keeping their credit in good standings and having no late charges like myselfTo me being told " Its really not late till this date means its really not lateAnd the reason I had to defer payments and have my due date changed was due to changing jobs and I did everything in my power to work with GM Financial to make sure my loan got payed during my transition Finally in early one of your officers with a heart contacted me and asked if I was aware that I had interest charges accruing and worked out a payment plan where I made several increased amount payments until I was ahead to the point of paying before my due dateFrom that point forward EVERY payment was made approx weeks earlyThe whole second half of the loanHad I known about your daily interest accrual prior to this I would have done the same from the beginningBut I believe you withheld that information intentionally and have probably done that with many other customersWhy else would you have a department created and devoted to working with customers to make arrangements to pay off these unknown interest charges that were screwed out of them the same way I think they call this deceitful practice Loan SharkingI believe a judge would see it the same way

Complaint: [redacted] I am rejecting this response because: giving me your customer service number is not helpful at all.If you had read the complaint you would see that I have already called numerous times and no one will help me, hence the Revdex.com complaintMy email is [redacted] my phone number is [redacted] ***My acct number is [redacted] Regards, [redacted]

? Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information.? As per your Retail Installment Sale Contract (“Contract”), if payment is not received in full within days after it is due, you will pay a late charge of $or 5% of the part of the payment that is late, whichever is greater? Your loan matured on November 9, 2013, at which time the remaining balance of $1,became due in fullPlease understand that this is a simple interest contract, meaning that interest accrues daily in the unpaid portion of the Amount FinancedOn the maturity date of your account, the late fee balance owed was $An additional late fee assessed for the final installment due date in the amount of $on November 20, 2013, bringing the total late fee balance owed to $? GM Financial received partial payments on December 12, 2013, January 14, 2014, and January 31, These payments paid the outstanding Amount Financed and Finance Charge balances and paid $towards your late fee balanceA notice regarding the maturity of the account was mailed on November 9, and notices regarding the late fee balance were mailed on February 14, and April 17, All notices were mailed to your address of record.? Our records of your account also reflect that on January 14, 2014, you contacted GM Financial and set up two payments in the amount of $each dated for January 14, and January 31, During this conversation you were advised that a late fee balance would still be owed after the application of these two payments; and that once all balances have been paid, the title would then be releasedOur records further reflect that telephone communication was not attempted regarding this balance as both parties to the contract unauthorized communication at the telephone numbers on file via MyAccount online.? On November 24, 2015, GM Financial received an email regarding the titleA response was issued advising the e-mailing party to call in to Customer ServiceThe next communication with GM Financial occurred on April 8, 2016; where you were again advised of the outstanding late fee balanceAs of today’s date, a late fee balance still remains on your account in the amount of $As late fees are part of your contractual obligation, the title to the Mazda cannot be released until this balance is paid or settledIn an effort to assist you, a member of the leadership team offered the maximum waiver of 50% of the late fee balance owed after the amount $is received.? Copies of your Contract, Account Payment History, Billing Statement dated October 20, 2013, Maturity Notice, and Late Fee Balance Notices have been mailed to the address provided on your Revdex.com complaintShould you have any further questions or require additional assistance with regard to this matter, please contact Customer Service at 1(800)284-2271.? Sincerely, GM Financial

GM Financial is stating that vital recovery should answer questions however GM Financial is reporting the account statusThe reporting of this account as derogatory is incorrect and vital recovery agreed to remove this account upon paymentThis account was paid as per the settlement yet the remove of the account was not completed by GM FinancialI also plan to submit a complaint for Vital Recovery as they need to address their actions as wellGM is responsible for the account status and needs to update the account per the agreed terms with Vital Recover

Revdex.com: I have reviewed the response made by the business in reference to complaint ID 10601768, and find that this resolution Acceptable.However, I need a letter from GM Financial in their letterhead referring to my Loan number With the information given updating the major credit Bureaus, Experian, Equifax and TransUnion to have the day delinquency removed that was reported in January 2015.Time is of the essence and waiting to Days affects me financiallyI must provide this letter to my financial institution now.The letter can be fax to my fax number 246-and mail to my mailing address; PO Box Clayton CA 94517and email to my email address [email protected] also hereby grant GM financial permission to communicated with the credit bureaus Experian, Equifax and TransUnion, In the event they call GM to verify the information on the letter [redacted] This must be noted on my account **I appreciate the time and work put on this of the Revdex.com and GM Financial to find a satisfactory resolution.Your prompt response is highly appreciated

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 meI would like to note that it took days to receive my money and I spent somewhere between and hours on total phone calls with different people and departments.? The bank overdraft fees were not refunded Regards, [redacted]