GM Financial

May 2,
Re: Complaint ID: *** *** ** ***
Dear Mrs***,
Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
Please note if you are represented by an attorney, we are unable to communicate with you further as all communications must be directed through your attorney pursuant to Federal law If you are represented by an attorney with respect to your GM Financial account, please have your attorney fax or mail in a letter of representation that includes his or her contact information to:
GM Financial
*** *** *** *** *** *** *** *** *** *** ** *** *** ***
Should 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 ***, and find that this resolution is satisfactory to me
Regards,
*** ***

August 1,
Re: Complaint ID: ***
*** ***
Dear Mr***,
Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
The cut off time and posting timeframes for payments are provided on www.gmfinancial.comThe information in question is located in Customer Service’s Frequently Asked Questions (FAQ’s), under “payments” section within the “Contact Us” page of the site and reads as follows:
When will my payment post to my account?
Any payment made before p.mCT will post to your account on the day you schedule it (excluding weekends and holidays)Any payment made after p.mCT will post to your account the following business day (excluding weekends and holidays)The funds will be drafted from your bank account within two business days from the posting date (excluding weekends and holidays)Only payments made from a bank account may be future dated
Please be advised as your payment will post with the effective date of today August 1, 2017, there will be no negative marks reported to the credit bureau reporting agencies for this payment
We apologize for the poor level of service you feel you have received, and for any inconvenience this situation may have caused Please 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 regarding this matter, please feel free to contact GM Financial directly at *** ***
Sincerely,
GM Financial

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10625634, and have determined that this does not resolve my dispute.Most Recent MessageDate Sent: 5/19/5:55:PMRevdex.com:Please forward this message, to GM Financial,
containing the information they have requested.Account # 451177596last 4: 8737Regards, Charlotte Wagner

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information On October 31, 2005, you signed a Retail Installment Sale Contract (“Contract”) for the purchase of the referenced Chevrolet Malibu. Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning on December 1, 2005. A review of your account reflects that your loan charged off on May 2, 2012, at this time the account was over days past duePlease note that at the time the account became delinquent, and upon charge off, GM Financial attempted collection efforts on the deficiency balance dueOn September 11, 2013, after no success for arrangements regarding the remaining balance your GM Financial account was outsourced to Vital Recovery Services with whom you reached a settlement agreementUpon receiving the final payment as agreed upon between you and Vital, your GM Financial account was closed and updated to reflect as settled in fullHowever, though the account has now been settled in full, it does not alter the previously reported credit bureau reporting of the account 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. Should you have any additional questions regarding this matter please feel free to contact Vital Recovery Services at ###-###-####. Sincerely, GM Financial

Complaint: ***
I am rejecting this response because I refuse to forward our social security number to an unknown personGM Financial has demonstrated by unethical actions of falsifying records and forging documents you can not be trustedFurthermore according to Social Security administration A company cannot refuse service if I do not give my social security number I demand you validate the debt, remove all negative remarks, and dismiss& discharge allege loan immediately
Regards,
*** *** *** ***

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
Our records reflect that on January 1, 2015, you filed a Chapter BankruptcyAccording to your Chapter plan, the trustee was to disburse
payments totaling $19,at 5% interest to GM FinancialAccording to our records and the Trustee’s Final Report and Account, no disbursements were paid to GM Financial
Our records reflect that your monthly installment payments were due on the 1st day of each month and that GM Financial spoke with you on numerous occasions regarding the status of the account; and our records further reflect that there were either no GM Financial approved payment arrangements in place or the approved arrangements were not upheld
After the dismissal of your Chapter Bankruptcy on May 19, 2015, GM Financial did not receive the required payment of the past due amount in order to be able to cease repossession effortsAs allowed by your contract, on June 1, 2015, the decision was made to place the vehicle out for repossessionAt this time, the account was more than days past dueThe repossession order was closed June 11, after the receipt of a payment for the January 1, installment due dateOn July 7, 2015, the account was again reviewed by management and the decision was made to place the vehicle out for repossessionAt this time the account was over days past dueThe account history has been reviewed thoroughly and it has been determined that the handling of the account, including repossession, was in compliance with all state and federal laws
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 August 13, 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 September 15, to inform you of the remaining balance owed
Please be advised that a cease and desist of telephone communication has been documented to the accountWhile you may no longer receive telephone calls regarding the status of your account, GM Financial will continue to communicate with you to the extent allowed by law
Please be advised that the repossession company that you referenced is an independent contractor and is licensed as suchAny claims against their company will need to be addressed directly with their company and/or licensing authority
Included for your review are copies of your 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 ###-###-####
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.As your February installment was due on Monday, February 1, 2016, your account is now into a new billing cycleThis is why you are seeing two
payments owed online, one for the past due installment for February 1, and the second for the current billing cycle due March 1, When you are making your payment online, you are shown the amount to be paid and given the option to edit any information on both the Payment Information and Payment Review Pages, prior to authorizing and making the payment.As per your Contract, if a 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 greaterPlease understand that this is not a grace period as this is a Simple Interest Contract, meaning that interest accrues on a daily basisWe apologize for the inconvenience and appreciate your feedbackIf you have any additional questions or are in need of additional assistance, please contact Customer Service at 1-800-284-2271.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
A review of your account reflects your GM Financial account was reinstated on March 10,
Please note that GM Financial places a high
priority on adhering to all state and federal lawsPursuant to Iowa’s pre-repossession notice requirements, cure notices were sent to all parties of the Contract via first class mail to the last known address on February 11,
Further review of your account reflects several attempts were made in effort to contact you due to the status of the account; however, GM Financial had no success in making contact nor did we receive any return calls from you prior to the repossession
Please be advised that GM Financial takes all complaints seriously and we appreciate you bringing this matter to our attentionWe apologize for the poor level of service you feel you have receivedPlease 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 with regard to this matter, please contact GM Financial directly at ###-###-####
Sincerely,
GM Financial

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

My original complaint against GM Financial has been corrected and closed with my credit report reflecting the correctionGM Financial has again reported the late payment to my credit bureauI contacted GM Financial about this and they told me that my account was closed, it was not reported late again and I needed to wait longerIt has now been a month and there has been no correction to my credit reportI would like to reopen my complaint and have the mark once again removed from my wife's and my credit report. Sincerely, *** *** ***

February 14,
Re: Complaint ID* *** *** ***
Dear Ms***,
Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
The MoneyGram payment in the
amount of $was located and posted to your account on 02/13/2018, with an effective date of 01/16/Your account has not been reported to the credit bureaus for any late payments and no late charges have been assessed to your accountWe apologize for any inconvenience you have experienced as a result of this situation
If you have any further questions or concerns regarding this matter, please feel free to contact GM Financial at ***)***-***
Sincerely,
GM Financial

August 29, 2016 Re: Case Number: *** *** Dear Mr***, Thank you for the correspondence sent to the Revdex.com, I have reviewed your concerns and would like to provide the following information When a payment is received by GM Financial and we are
unable to locate an account associated with the payment, the funds are held for a period of days prior to a refund being released back to the original senderOur records reflect that the funds were returned today August 29, 2016 to Online Resources Corporation (“ORCC”), a third party payment systems providerThe funds are generally sent back electronically by ORCC to the original banking institution within 48-business hours. Should you have any further questions or require additional assistance, please feel free to contact GM Financial at ###-###-#### and reference Suspense Item ***. Sincerely,GM Financial

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Regards,
*** ***

February 16,
Re: Complaint ID: *** *** ** ***
Dear Ms***,
Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
As previously stated, GM Financial is an indirect lender and all credit applications are submitted through an affiliated dealerOn December 2, 2017, an application for credit was submitted through John Sullivan ChevroletGM Financial was not present during the negotiations of this purchase, however, our records indicate that GM Financial was unable to accept the initial terms requestedGM Financial is required to send the applicant a notice of Adverse ActionA secondary notice that reflects the specific reasons we were unable to offer you financing was requested on February 15, Please allow 7-business days to receive these notices via regular mail
If you have any further questions or concerns regarding this matter, please contact your dealership finance department
Sincerely,
GM Financial

May 15,
Re: *** ***
Complaint ID: ***
Dear Ms***,
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, the tax abatement was processed and reduced the amount of property tax owed by $In an effort to resolve this matter, GM Financial has processed a waiver for the remaining balanceYour account now reflects a zero balance
Please be assured that GM Financial gives customer service a high priority and is totally committed to achieving excellenceWe apologize for the poor level of service you feel you have receivedIf you have any further questions or require additional assistance, please feel free to contact GM Financial at ###-###-####
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because: System enhancements don't take monthsThis is willful and wrongful damage.If I pay one second late you're happy to damage my credit for years.But when I pay on time you damage my credit anyway!!
Regards,
*** ***

Thank you for forwarding the additional
correspondence to the Revdex.comI have reviewed your concerns and
would like to offer you the following information
Please note that in order for
GM Financial to review and consider a refund, please provide a
rolling bank
statement showing each transaction that was paidYou may fax, email or call me
directly

July 25,
Re: Complaint ID: ***
*** ***
Dear Mr.***,
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 ***
Sincerely,
GM Financial

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and am providing the information requestedHere is my account number ***
Regards,
*** ***