GM Financial

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 social security number and or account numberUpon receipt of this information I will research this matter Sincerely, GM Financial

August 23, 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

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

April 9, Re: Complaint ID: [redacted] [redacted] GM Financial Account Number: [redacted] Dear Mr& Mrs***, Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information Due to a recent enhancement, an issue was identifiedConsistent with our obligation to report only accurate information, GM Financial has suppressed reporting while remediation efforts are ongoingBased on your inquiry, we submitted an update to the credit reporting agencies regarding the current status of your accountPlease allow the credit bureau reporting agencies 30-days to reflect these updates, from today’s dateWe have also included a copy of the payment history and credit rating letter for your review We apologize for any inconvenience this has caused and appreciate your patienceIf you have any additional questions regarding this matter please feel free to contact GM Financial at ###-###-#### Sincerely, GM Financial

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 matterSincerely,GM Financial

March 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 provide the following information As previously explained, please provide a copy of the plate cancellation receipt as this is required documentation by the countyThis can be obtained from the DMV websiteUpon 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

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information.On December 22, 2014, you signed a Retail Installment Sale Contract (“Contract”) for a Ford Explorer in the amount of $26,at an interest rate of 15.99%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning on February 5, The contract is a simple interest contract which means interest accrues daily on the unpaid principal balance.Please note that GM Financial places a high priority on adhering to all state and federal lawsThe state of Washington does not require a cure period or notice of repossession be mailed prior to repossessionOn November 2, 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 August 5, installment due dateThe account history was reviewed thoroughly and it has been determined that the handling of the account, including repossession, was in compliance with your contract as well as all state and federal laws.Our records reflect that the last payment received was on July 20, in the amount of $2,for the reinstatement of the vehicle due to the repossession that occurred on July 13, This payment paid the monthly installment due dates of April 5, 2015, May 5, 2015, June 5, 2015, and July 5, This payment also paid the late fee balance owed at that time in the amount of $and the repossession fee in the amount of $Effective January 1, 2015, a change in the Department of Defense’s Financial Management Regulation prohibits service members from allotting pay to buy, lease or rent personal property including vehicles, such as automobiles, motorcycles, and boatsTherefore, you will need to contact DFAS regarding the allotted funds you state were intended for the monthly installments as GM Financial has not received any disbursementsOur records further reflect that you are set up to receive the monthly billing statement via e-billing and by mailDue to the status of the account, you may have been blocked via MyAccount and would have been unable to access the billing statement e-mailed as an attachmentOur records also reflect that these billing statements were also mailed to your address of record and accurately reflected the status of your GM Financial accountPlease be advised that the repossession company is an independent contractor and is licensed as suchAny claims against their company, like those regarding damages that may have occurred during towing, will need to be addressed directly with their company and/or licensing authority.? ? ? ? ? ? ? ? ? ? ? ? The current amount required to reinstate the vehicle is $3,and is good through November 23, On November 4, you were advised of the reinstatement instructionsShould you have any further questions or require additional assistance, please contact GM Financial at ###-###-####.Included for your records are copies of your contract, account payment history,? and all billing statements mailed to your address of record since the reinstatement of the vehicle in July of 2015.Sincerely,GM Financial

Complaint: [redacted] I am rejecting this response because: It is not a true response in regards to my issue - the personnel at GM Financial are simply replying to let me know they are reviewing my complaint and that an answer will be sent as soon as the review is completed. This is the same tactic they used when they did not respond to the insurance claim - they gave me the run around until the car was sold. I wish to keep this complaint with the Revdex.com active/open until a true response is received that reflects a sincere, honest, fair review Regards, [redacted]

April 13, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] Dear Mr [redacted] , 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

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 that GM Financial is a financial institution only and is not the manufacturer of your vehicleWhile we empathize with the problems you may have experienced with the vehicle; the responsibility for this contractual obligation remainsAll mechanical issues would need to be resolved between yourself, [redacted] Chevrolet, and/or the manufacturer of the vehicle, if necessary Our position regarding this matter has not changed; unfortunately your account is not currently eligible for the payment assistance you seek If you would like to discuss this matter further with the manufacturer of your vehicle, please contact GM’s Chevrolet Customer Assistance line at ###-###-#### Sincerely, GM Financial

I do not agree with GM Financials response.In the first place there was missed payments, that was after the bankruptcy was filed and the statements stopped comingTrue they were not allowed to send them to me, but my husband was on the loan as a co-borrower and never once called him or sent him notices at any missed paymentsWhen I realized I missed one I would make it up as can be seen by the attached spread sheetThe amounts taken under the GM column are from their records, the amount in my column is from my bank statementsAs also can be seen by the spread sheet is that the total I paid into GM financial is $15,142.30, taken from my bank statementsAccording to their records they credited me with $14,When I take my payment of $x months of the loan that comes to $12,How can this be so far off?Again why didn’t they inform my co-borrower that A) the car was under a bankruptcy order, B) payments are not being made would you please make them, C) a repossession order has been placed do you want to pay to stop it? No correspondence at all until they repossessed the carThen they tell him he can buy it back for $12,+Or have to pay the difference if it sells for less than is owedI do not understand all of the laws but I do understand math and this does not add upThis is not a suitable response to my complaint Regards, [redacted]

March 15, Re: Complaint ID: [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 refund has been requested and completedCheck number 13214472, in the amount of $was sent to the address of record on March 13, via overnight mail, with a tracking number of [redacted] Our records reflect that the check was delivered on March 14, Should you have any further questions or require additional assistance, please feel free to contact Lease Customer Service at ###-###-#### Sincerely, GM Financial

Thank you for forwarding the additional correspondence sent to the RevDex.comPlease be advised GM Financial has not changed its position regarding the status of your account Should you have any further questions or require additional assistance with regard to this matter, please contact GM Financial at ###-###-#### 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 be advised GM Financial has not changed its position regarding the status of your accountDue to your contractual obligation a deficiency balance still remains on the accountPlease understand that the title cannot be released until the deficiency balance has been satisfiedIf you would like to make arrangements regarding this balance please contact GM Financial directly at ###-###-#### Sincerely, GM Financial

Complaint: [redacted] I am rejecting this response because: I have been in contact with GM Financial on multiple occasions and have been the sole person responsible for trying to figure out why GM Financial can't find my moneyAt no point prior to this response has anyone from GM Financial indicated to me that they couldn't provide me with information regarding this leaseWhile I appreciate your interest in protecting the information contained within my wife's lease agreement, the writer of this response is apparently the only one who feels it's necessary to do soRegardless of your take on this matter, I was able to resolve this issue, and GM Financial is sending the money to me in check form, with my name on itPerhaps if you were so concerned about the security of the information contained in this lease agreement it wouldn't have taken you over a month to refund the payment on a closed account Regards, [redacted] ***

Complaint: [redacted] I am rejecting this response because: the credit bureaus told me that if GM Financial removed there comments than the dispute will be resolvedResult of this not happening I have lost a mortgage loan because GM Financial couldn't simply remove there comments from the dispute and I have removed all the comments of the dispute with all three of my credit bureaus, but they couldn't do there partI no know that they can't take care of there customersIs just simply sad customer service. Regards, [redacted] ***

I greatly appreciate your review into this matter and yes the research did conclude they did adhere to the policyHowever, my request for review was not to see if policy was followed, but to show how the word choice provided set an expectation that no issues should have prevented the deferment to become availableSince they are subject to management approval, I was asking if this can be done as a courtesy in the eyes of customer serviceThe contract nor the policy were ever in questionYour response was aimed towards the adherence to policy and not the wording of the conversation and how it could have led to hopesThank you

Thank you for forwarding the additional correspondence sent to the Revdex.comDue to Federal Privacy Laws, GM Financial must verify the identity of the consumer prior to releasing account sensitive informationAt your earliest convenience, please provide your full GM Financial account number or the last four digits of your social security number in order to verify your identityUpon receipt of this information we will provide copies of documents sufficient to validate the GM Financial account If you do not want to provide this information via the Revdex.com, you may contact GM Financial’s Customer Service Department by telephone at 1(800)284-At which time you will be asked to verify account information and you may then request a copy of the contract be mailed or faxed to youSincerely,GM Financial

Thank you for forwarding the additional correspondence to the Revdex.comI have reviewed your concerns and would like to offer the following information The insurance proceeds received on June 15, have been applied to the principal balance of your account as per your contractPlease note that you are still responsible for maintaining the contracted installment paymentsI have included a copy of your contract for your reviewOn Page Section your contract states; If the property collateral is released by you (secured party) for an agreed amount prior to maturity and which amount does not pay the amount in full, I agree to continue regular monthly payments under the original terms of this agreement, unless agreed upon in writing to the contrary I have included a letter mailed to you on June 24, which GM Financial which provided the amount required to pay the account off and requested that you contact us regarding the balance owedI have also included the last five billing statements that were mailed that disclosed the past due payment amount, current payment amount, total amount due and the due dateOur system of record also indicates that GM Financial has attempted to contact you regarding the remaining balance and left multiple messages for a return call As of September 1, the remaining payoff amount for the account is $1,and is good through September 11, This amount includes a principal balance of $1,616.92, $due in interest and $due in late feesA payment history is attached for your review Please understand 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 comply with your request to make changes to your GM Financial trade line Should you have additional questions or concerns, please contact our office directly at ###-###-#### Sincerely, GM Financial

June 6, Re: Complaint ID: [redacted] ? ? ? ? ? [redacted] M [redacted] Dear Miss [redacted] , Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information Due to a recent enhancement, an issue was identified Consistent with our obligation to report only accurate information, GM Financial has suppressed reporting while remediation efforts were ongoing In order to ensure that the account history is reflected accurately, GM Financial submitted an update and forwarded the proper documentation to all three major credit bureaus on June 1, Please be advised that GM Financial is required to report truthful and accurate information to the credit reporting agenciesThe bureaus generally reflect the updated information within 30-daysPlease understand that any additional disputes submitted through the credit bureaus may 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