GM Financial

September 22, 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 offer the following information Please understand that GM Financial is unable to research this matter or provide additional information without an authorization and consent form signed by our customerYou may have the customer contact Customer Service at [redacted] to discuss this matter further 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 Please understand, to be eligible for the Auto-Pay option, the GM Financial account cannot have three or more returned items due to customer non sufficient funds (NSF) in the prior six-month period Should you have any further questions or require additional assistance, please feel free to contact Customer Service 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]

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 I will however be watching for a communication from GM Financial.? If one is not received, I will file a new complaint Regards, [redacted]

June 15, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] L [redacted] Dear [redacted] ***, Thank you for the additional correspondence sent to the Revdex.com.? We have reviewed your concerns and would like to provide the following information GM Financial suppressed credit bureau reporting during a recent system enhancement We have submitted an update to the credit reporting agencies regarding the current status of your account.? Please allow the credit bureau reporting agencies 30-days to accept and process the update.? We apologize for any inconvenience this has caused and appreciate your patience We have mailed a copy of a credit rating letter and account payment history for your review.? Should you have any additional questions regarding this matter, please feel free to contact GM Financial at ###-###-#### Sincerely, GM Financial

Please be advised the following response was mailed on June 19, 2018, to the consumer’s address on file: June 19, Re: [redacted] ? ? ? ? ? Complaint ID: [redacted] Dear Mr***, Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information GM Financial suppressed credit bureau reporting temporarily during a recent system enhancementHowever, on June 18, 2018, GM Financial submitted an update to the credit reporting agencies regarding the current status of your accountPlease allow the credit bureau reporting agencies 30-days to accept and process the updatePlease be aware that any disputes submitted through the credit bureaus prior to these changes may cause the credit agencies to void the update submitted by GM FinancialWe apologize for any inconvenience this has caused Should you have any further questions or require additional assistance, please feel free to contact us at ###-###-#### Sincerely, GM Financial

I am rejecting this response because there has not been a refund made yet? ? Once the refund is made, I will accept this.Regards, [redacted]

October 11, Re: Complaint ID: [redacted] [redacted] Dear Ms***, 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

April 3, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] Dear Ms***, 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

August 14, 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 note on September 2, 2012, you signed a Retail Installment Sale Contract for a Toyota Corolla in the amount of $17,at an interest rate of 25.00%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning October 17, At your request, GM Financial processed a total of four deferred payments that extended the maturity date of the contract to February 1, On May 3, 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 lawsThe state of Ohio does not require a cure period or notice of repossession be mailed prior to repossession Please be advised numerous efforts were made to contact you with regard to the status of the accountOur records reflect that we last spoke with you on April 7, 2017; at which time a deferment was offered to you, and informed GM Financial that you would call back the next day with check information for the deferment fee paymentThe last payment received on the account was on February 1, The “Notice of Right to Redeem or Reinstate” and the “Notice of Our Plan to Sell Property” were mailed to the address of record on May 16, by United Stated Postal Service (“USPS”) Certified MailPlease note that after a review of this account, all statutory notices were mailed to you at your last known addressIn accordance with the applicable law, the statutory notice provided information about how and when to secure any personal property left in the vehicleThese notices also explained that you would be required to pay the difference between the amount you owed to GM Financial and the amount the vehicle sold for, plus expenses if you opted not to redeem/reinstate the vehicleAfter the sale of the vehicle at auction, a “Deficiency Calculation” letter was mailed to your address of record on June 27, to inform you of the remaining balance owedPlease understand the responsibility for this contractual obligation remains 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 Included for your review are copies of your contract and account payment historyShould you have any further questions or require additional assistance, please contact GM Financial’ s Customer Service department at [redacted] Sincerely, GM Financial

What's been stated by GM Financial about the specifics of my lease agreement terms are not in dispute and is the same exact response I've received following numerous other calls, emails, etcto the company...which directly avoids my point of contentionGM Financial showed a balance of $until we went to pay our April payment at which point it was then showing months dueWe immediately made payment at that timeGM Financial's failure to maintain and implement it's website, as other customers have complained about on this Revdex.com forum, was the direct cause of my payment being credited days past the day markWhat's most troubling after reaching out to the company numerous times regarding my frustrations, is their failure to acknowledge fault or take steps to correct this customer service error which is the actual violation of the Fair Credit Reporting ActHiding behind dates and not acknowledging a system that a customer has informed them was misleading, flies in the face of the fairness that the Act was intended to upholdI'm asking GM Financial to consider the entirety of the circumstances surrounding this March/April payment when determining if a late payment was indeed made as they are required to do under the FCRA.Regards, [redacted]

February 10, 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 offer the following informationOn April 15, 2013, you entered into a Retail Installment Sale Contract (“Contract”) with Pruitt Ford for the Ford Edge in the amount of $16,at an interest rate of 13.60%Within the agreement, he agreed to repay the loan in monthly installments in the amount of $per month, beginning May 15, On December 08, 2016, the decision was made to repossess the vehicle, as allowed by the contractAt this time the account was days past duePlease be aware, numerous efforts were made to contact you regarding the status of his accountThe 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 lawsIncluded for your review is a copy of the Contract and Account Payment HistoryIf you have any further questions or are in need of additional assistance regarding this matter, please contact GM Financial at [redacted] Sincerely,GM Financial

If this is truly the case, why did it take an entire month for you to say you need an official rejection letter from the DMV? They have no idea what you're talking about, by the wayYou have their contact info with the initial request I mailed to youSince you apparently think all of your customers are compulsive liars, please feel free to directly contact the Oregon DMV to verify they did not receive the titleI'll expect to hear back from you in another month...Also, still waiting on reimbursement for all the fees I've incurred due to your lack of response.Regards, [redacted]

March 29, 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 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

Complaint: [redacted] I am rejecting this response because GM has full authority to change/correct a report made to credit bureaus that has severely impacted my credit standing and has also cost me thousands of dollars in interest, never mind all the interest that GM has made on my account over nearly yearsGM, like any good and responsible company, could devise exception / grace policies for longstanding customersMaking payments on time, paying off the note early, and attempting to make a payment online that did not go through should NOT result in this lame excuse for a resolution Regards, [redacted]

Complaint: [redacted] I am rejecting this response because: After numerous correspondence you have not answered my questions and after 5/hours on hold I know you do not answer your phoneEither the Revdex.com or you need to escalate this or perhaps the media or FL Attorney General can get my SIMPLE QUESTIONS ANSWERED Regards, [redacted]

November 30, 2016? Re: Complaint ID: [redacted] ? ? ? ? ? ? [redacted] ? Dear Ms [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 a judgment is a public record and is reported by the courts, not GM FinancialPublic Records are also reflected on the credit report separately from any creditor tradeline informationThe balance reflected on the GM Financial tradeline is the deficiency balance of your account.? Our research concludes that the status of your account has 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.? Please be aware that Harvest is servicing your account balance on behalf of GM FinancialIf you have any further questions or are in need of additional assistance regarding this matter, please contact Harvest at [redacted] .? ? ? ? ? ? ? ? ? ? ? Sincerely, GM Financial

Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following informationAs 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 recordOur 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 onlineOn 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 receivedCopies 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-Sincerely, GM Financial

Complaint: [redacted] I am rejecting this response because:? Per the Credit Reporting Agencies there is no law that states this claim.? Credit reporting to the agency is completely at the discretion of the agency reporting and their own internal policies.? Thank you for not helping out a customer in good standing with you.? You only show to prove that big business just wants the consumers money and care nothing for the consumer Regards, [redacted] ?

Complaint: [redacted] I am rejecting this response because: I do not see how paying 3/of the loan after one year still requires payments monthlyEspecially when vehicle has been totaled outAgain I will not be happy until my creeit report is fixedThis is not fair to the customer who did everything to resolve the loanIf credit report is not corrected I will continue to protest fees due Regards, [redacted] ***