GM Financial

Complaint: [redacted] I am rejecting this response because:The issue never was or has been about the history of the purchase, agreed upon contractual documentation or subsequent correspondenceThe issue is simply about $being sent to GM and they not accounting for it as a payment What is of consequence is in their email they do say they have the option on how to apply the payment which I was not cognizant of but nevertheless it is what it is and the correspondence with GM has been as fruitless as the periodic customer surveys they send out where I have responded with the same complaint only to be replied to with the same rhetoric That said I will settle the financials with GM and be finally rid of any business with them now or in the future Regards, [redacted]

March 21, 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 On April 3, you entered into a Retail Installment Sale Contract (“Contract”) with Gerry Lane Chevrolet for the Chevrolet MalibuGM Financial employees were not present at Gerry Lane Chevrolet (“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 The “Notice of Right to Redeem or Reinstate” and the “Notice of Our Plan to Sell Property” were mailed to your address of record on September 8, These notices 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 February 11, to inform you of the remaining balance owed We empathize with the problems you may have experienced with the vehicle; however, the responsibility for this contractual obligation remainsAll mechanical issues would have needed to be resolved between yourself, Rainbow Chevrolet, and/or the manufacturer of the vehicle, if necessary If you have any further questions or are in need of additional assistance regarding this matter, please contact GM Financial at [redacted] Sincerely, GM Financial

October 28, 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 At this time, GM Financial is currently reviewing your account for a possible refund Should you have any further questions or require additional assistance regarding this matter, please contact GM Financials Lease Servicing Department at 1(800)369- 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 informationAccording to our records a payment in the amount of $1,was received on December 8, This payment satisfied the principal and/or interest balance of the account; however it did not cover the full balance owed, leaving an outstanding late fee balance of $Letters regarding the late fee balance were mailed to the address of record on December 21, and February 23, These letters provided information regarding remaining late fee balance and indicated that once the late fee balance had been satisfied, that GM Financial would release the lien and/or contract for the accountOur records reflect on June 24, 2015, a payment from Liberty Mutual in the amount of $was received and posted to your accountThis payment satisfied the remaining late fee balance of $The title to the vehicle will be released to Liberty Mutual on July 9, Included for review are copies of late fee balance notices that were sent to your address of record Should you have any additional questions or concerns regarding this matter, please contact GM Financial at ###-###-#### Sincerely, GM Financial

Complaint: [redacted] I am rejecting this response because:? I have already provided GM Financial with proof of relocation, documents include moving company documents, vehicle shipping and receipt documents, change of postal address documents, new insurance in new location, copy of apartment lease in new location, offer letter showing my start date at new location, airline ticket reservations showing my dates of travel to the new location.? ? I do not have a receipt of returning my plates, since that is not something that i'm required to request.? They are requesting an uncommon document for the purpose of dismissing my dispute.? ? Regards, [redacted] ? ***

Complaint: [redacted] I am rejecting this response because:Your practices are extremely unethicalThe fact that you received payment for the car prior to the payment date and you are still choosing to ding my credit report which will take years to removed due to a lack of misunderstanding between me and one of your CSRAs I stated previously I was not informed that the insurance payment would not cover my monthly payment and as soon as I received a call from a representative I paid any owed balancesWith your research you can see that I have never missed a payment on this account until this incident of miscommunication and you still choose to turn a blind eye to this factDue to your lack of understanding of the situation I will be refinancing my new auto loan with someone else Regards, [redacted] ***

June 15, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] Dear [redacted] , Thank you for the 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 updateWe apologize for any inconvenience this has caused and appreciate your patience We have mailed a copy of your 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

January 3, Re: Complaint ID: [redacted] ? ? ? ? ? [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 In regards to the two payments in question, both were set up via your online MyAccount profile using Western Union SpeedPayOn December 15, you set up a one-time payment in the amount of $374.32, the confirmation number provided to you for this online transaction was [redacted] On December 16, 2016, a recurring payment in the amount of $was set up, the confirmation number provided to you for this online transaction was [redacted] As these types of transactions are initiated and authorized by the customer only, any changes to the payment would need to be made by the customer prior to processing GM Financial is unable to honor your request to reimburse the $overdraft fee charged by your bank, as the issue was not caused by GM FinancialShould you have any further questions or require additional assistance in regards to this matter, please contact Customer Service Lease Department at [redacted] Sincerely, GM Financial

Complaint: [redacted] 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, [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 you had requested verbally on May 23, 2016, all available call recordings from May 16, through May 23, were reviewedIt was determined that you were provided with incorrect information on May 19, and May 23, For this miscommunication, we apologize? On May 25, 2016, the payment you submitted using a mobile device on May 19, was returned to GM Financial as non-sufficient fundsDue to the miscommunication, GM Financial will reimburse you for Non-Sufficient Funds fees assessed by your bank after the 2nd attempt to withdraw the funds? Please fax in a current bank statement with a running balance that also includes the assessment of Non-Sufficient Funds feesPlease fax this document to Attn: [redacted] and include your GM Financial Account Number on the cover sheetThe bank statement you provided on May 23, is not sufficient as the payment in question is reflected as a Pending Transaction and Non-Sufficient Funds fees assessed are not shownOnce the current bank statement has been received, please allow 2-business days for the reimbursement process to be completed and the check will then be overnighted to your address of record.? Please understand that in the future we will not be able to refund any bank fees assessed for payment methods that are consumer driven, initiated, and authorized.? If a payment does not clear on the first attempt, a second attempt will be made, if your financial institution allows; prior to the payment being returned to GM FinancialAs we have explained to you by phone and via the previous response to this complaint, GM Financial is unable to stop or alter these transactions on your behalf.? We would again like to apologize for any miscommunication that may have occurredUpper management has been made aware of the call reviews and the resulting issues have been addressedShould you have any further questions or require additional assistance, please contact Customer Service at [redacted] .? Sincerely,GM Financial

March 6, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] Dear Mr***, Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information Upon review of the account, an update was submitted to the credit bureau reporting agencies on March 5, The account reflects 1/30, 0/60, and 0/Please 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

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 Please enter your reason(s) for rejecting the business response below.I now understand that GM Financial cannot stop the [redacted] processHowever, I was told by your company that they could stop it with a promise to payWhen a customer is told by a representative of a company that a procedure can be done, they believe themIt became truth because your employee told me that is how your company worksShe said it as though it was a standard operating procedureI understand that I agreed to have the money taken out by [redacted] ***, however, your employee told me that by her entering information into your system, it would stop the processYour company lied to meThis caused me unnecessary harm in the form of overdraft feesShe said that what she entered into the system would stop [redacted] from running the payment againThis is about me trusting your company and your trained representativesYou are avoiding the fact that your employee flat out lied to me, putting me in a position where I couldn't protect myself due to an untruthI could have borrowed money to cover it if I was told that it would run again regardlessBut that isn't what I was toldI was told that my bank account wouldn't be touched againThis gave me a sense of security given by your company.Your company caused me unnecessary overdraft feesYour customer service representatives lie, mock, and insult your customers and instead of making it right you continue to show me that my business isn't importantYou say that you take your customer service seriously, yet you continue to inform me that what happened to me is acceptable and okayThis situation shouldn't happen to customersIf a customer is harmed by something a company does, and that company cares, the company makes it rightI trusted that your employees knew what they were talking about, I trusted that the information I was given was accurateAnd now I have been put in a situation where your company lied and you are standing by that lie.? Regards, [redacted]

November 18, 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 required to report truthful and accurate information to the credit bureau reporting agenciesOur research concludes that the 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 credit bureau reporting Included 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 Harvest at [redacted] 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.? On December 10, 2012, you signed a Retail Installment Sale Contract (“Contract”) for the purchase of a Chevrolet Cruze in the amount of $21,at an interest rate of 10.90%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning on January 24, 2013.? Please note that GM Financial places a high priority on adhering to all state and federal lawsThe state of Pennsylvania does not require a cure period or notice of repossession be mailed prior to repossessionOn November 19, 2015, the decision was made to place the vehicle out for repossession, as allowed by your contractAt this time the account was days past due for the September 24, installment due dateThe vehicle was recovered on November 22, and reinstated on November 24, On June 23, 2016, the decision was again made to place the vehicle out for repossession, as allowed by your contractAt this time, the account was days past due for the April 24, installment due dateThe vehicle was again recovered on June 24, The account history was reviewed thoroughly and it has been determined that the handling of the account, including both repossessions, are in compliance with your contract as well as all state and federal laws? Please understand that due to the bankruptcy filed and discharged, GM Financial is unable to issue a monthly billing statement; however, our records reflect that you were advised verbally in February, March, April, and June of your monthly due date and the past due balance owed on your accountAll payments that you have provided proof of have been accurately accounted for within the payment history of your accountBased on a review of this information, it appears that payments are not being made every single month, and this led to the delinquency of the account and the assignment of the vehicle for repossession? The State of Pennsylvania is a redemption state, meaning that if we repossess the vehicle, you may get it back by paying the unpaid part of the Amount Financed plus the earned and unpaid part of the Finance Charge, any late charges, and any other amounts lawfully due under this contractGM Financial made an exception and allowed the reinstatement of the vehicle in November of Since the reinstatement of the vehicle, you have not maintained strict compliance with the terms and conditions of your Retail Installment Contract or the Reinstatement Agreement; resulting in a second repossession of this vehicleGM Financial is unable to make any further exceptions, and in order for you to get the vehicle back; you will have to pay everything owed under this contract in full, prior to the vehicle being sold at auctionOur records reflect that you were advised of this information on June 27, 2016.? Additional copies of your contract, payment history, and Reinstatement Agreement have been mailed to your address of record.? Should you have any further questions or require additional assistance, please contact GM Financial at ###-###-####.? Sincerely,GM Financial

December 15, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] Dear MsStrong, 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 refund check in the amount of $was mailed to your address of record on December 14, We apologize for any inconvenience you have experienced as a result of this situation Should you have any additional questions regarding this matter, please contact GM Financial at [redacted] Sincerely, GM Financial

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and will forward the requested account number for further resolution Regards, [redacted]

February 13, Re: Complaint ID: [redacted] ? ? ? ? ? ? [redacted] Dear [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 the payment in question was located and applied to your account, effective the original date it was received and reflects the account as paid in full as of January 11, 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 Lease Customer Service directly at [redacted] Sincerely, GM Financial

Complaint: [redacted] Thank you for the response, I'm looking forward to reaching a resolution for this? My account number was [redacted] Regards, [redacted]

July 25, Re: Complaint ID: [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 understand that GM Financial is required to report truthful and accurate information to the credit bureau reporting agenciesWe have contacted the credit bureau reporting agencies and confirmed that your GM Financial lease account has not been reported negatively Should you have any further questions or require additional assistance regarding this matter, please feel free to contact Lease Customer Service department directly at [redacted] Sincerely, GM Financial

Complaint: [redacted] I am rejecting this response because: it was never days past due based on the insurance payment being sent to you Regards, [redacted]