GM Financial

It is obvious that this business does not want to settle this disputeThey are WRONG! That bankruptcy that was filed DID NOT INCLUDE either the cars nor the houseThey are liars and I have the bankruptcy case number if they want to clarify just how wrong they really areWhy would we have paid it off if it was included??? If you include purchases such as that in a bankruptcy then you do not pay it off duh! Check the books you were not even in the picture when we filed this bankruptcy and you took over after the car was paid offThis does not include you at allFurthermore, the reasons you have done this is out of spiteThose are fraudulent statements you are making on our credit reports and this bankruptcy was dismissed in February You do not even know your facts let alone tell us we placed you in the bankruptcyIf so then give me back the money we paid you and then you can make your statement trueIf you want to go to court on it we willKeeping this in mind, we are going to see *** *** about your unfounded accusationsWe know for fact this will prove you wrong We want this removed from our credit report and that is that

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 that the system will prevent you from making a payment online if you have had or more Non-Sufficient Funds returns within the
last monthsYou may utilize other payment options such as payment by phone, and IVR with debit cardSome of these payment options are provided by Western Union and are subject to a convenience feePayment options available at no cost include the GM Financial Automatic Payment Plan and mail
Should you have any further questions or require additional assistance, please feel free to contact Customer Service at ###-###-####
Sincerely,
GM Financial

August 29,
Re: Complaint ID: ***
*** ***
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
Please be advised that a cease and desist of phone communication has been documented to the account to ensure you do not receive further phone callsWhile you may not receive any calls regarding the status of your account, GM Financial will continue to communicate with you to the extent allowed by law
Should you have any further questions or require additional, please feel free to contact GM Financial directly at ###-###-####
Sincerely,
GM Financial

March 28,
Re: Complaint ID: ***
*** * ***
Dear Ms***,
Thank you for the correspondence sent to the Revdex.comAfter reviewing your account, we would like to off the following response
On February 11, 2014, you
signed a Retail Installment Sale Contract for the purchase of a Chevrolet Cruze in the amount of $31,at an interest rate of 11.90%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning on March 13, The contract is a simple interest contract which means interest accrues daily on the unpaid principal balanceIf all payments are paid by the due date, the account will be paid in full on the contract maturity date
On January 2, 2017, the vehicle was involved in an accident and declared a total loss by Progressive InsuranceOn March 8, 2017, GM Financial quoted a payoff in the amount of $15,good for days to Progressive Insurance and yourselfOn March 21, 2017, GM Financial received a payment from Progressive Insurance in the amount of $8,As per your contract, the payment was applied to the balance of your account reducing what you oweWe may apply each payment to the earned and unpaid part of the Finance Charge, to the unpaid part of the Amount Financed and to any other amounts you owe under this contract in any order we chooseInsurance proceeds will only be applied to the principal balance of the account
Within your contract, you also agreed to pay us all you owe under the contract even if the vehicle is damaged, destroyed or missingThe insurance proceeds received from Progressive Insurance have been applied to the balance on your account and was not enough to pay the amount you oweThe amount required to pay off the account on the above vehicle is $6,This payoff must be received by April 6, and is subject to change if the payoff expires, changes to the account payment history occur or fees assess to the accountThe daily interest amount for this payoff is $ At this time, a gap insurance claim is still pending
On March 9, a total loss letter was mailed to you, explaining the total loss processIn the letter it was explained that you are still responsible for maintaining the monthly installment payments and are still subject to monthly credit bureau reporting until the account is paid in fullGM 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 agencies with accuracy; and as a result, we are unable to make any changes or deletions to the credit bureau reporting of your account
Should you have any further questions or require additional assistance, please feel free to contact the Total Loss department at ***
Sincerely,
GM Financial

While I appreciate the response please refer to the complaint for the amount that is in disputeThe figures that are listed below leaves a difference of 21.82, which the dealer is paying shortlyThe amount in dispute is that was reported Dec 11, which I have called several times onIt was sent to collection by GMAC to Firspoint Collection Resources Inc and is reporting as open as of Sep At the time I had a loan with you but there was no balance owing and to date with the exception of the there is not a balance owing and have never been a late paymentI would like the removed from my credit as it is adversely affecting my score.

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,
*** ***

I have contacted GM Financial each month since December to have the same result where something was sent to update all credit Bureaus which is done however the very next day or within a week another deragatory response shows upI need the cause of the reporting to be fixed as my account has been paid in full since DecemberHowever four months in a row it has been reported as days lateOnce this is happens I need to jump through hoops to find somebody that can help me and I have to re explain the entire story and allow 30-days for update each time to have my credit report fixedI have to contact the credit bureaus to update quicker because it has been seriously affecting my credit.Please provide me with the reason that this keeps being reported, assurance that this was updated on my credit report as well as my husbands, and contact information for a person that I can directly speak to should this happen again Regards,*** ***

Thank you for the additional correspondence sent to the Revdex.com (“Revdex.com”)I have reviewed your comments and would like to offer the following response.GM Financial considers all customer concerns very seriously and your account history and activity were reviewed thoroughly to ensure strict compliance with your contractBased on this review, GM Financial has not changed its position regarding the status of your account.Should you have any further questions or require additional assistance, please feel free to 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 provide the following information. The letter you reference was sent as a result of disputes you had submitted through the credit bureau reporting agencies
where you claimed the account did not belong to you or that you were not liable for the account (i.eex-spouse or business) Our records reflect the receipt of a partial investigation request packet; however, the documents provided did not include enough information to begin an investigationA copy of the complete packet to request an Identity Theft Investigation has been provided to you as an attachment to this responsePlease complete these forms in their entiretyIn addition to these forms, please include a copy of a filed police report with a case number, a clear copy of your driver’s license, as well as copies of canceled checksPlease remit these documents to: Once the required documents are received, GM Financial will investigate your claimThe investigation will be resolved in the following manner: If GM Financial can establish the true identity of the victim and determines the claim to be valid, the victim will be notified via mail and GM Financial will report to the credit bureau agencies that the GM Financial account should be deleted from the victim's credit file. If GM Financial cannot establish the true identity of the claimant, or, in good faith, determines the claim to be invalid, the claimant will be notified via mailThe GM Financial account will not be deleted from the claimant's credit file. If you have questions or concerns regarding your identity theft claim, please email the Central Fraud Department at [email protected] include your name, contact phone number, account number if applicable, and a brief description of your question or concernA representative will contact you. 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,
*** ***

March 19,
Re: Complaint ID: *** *** ***
Dear Mr***,
Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information
On November 18, 2015,
you signed a Closed End Motor Vehicle Lease (“Contract”) for a Buick EnclaveWithin the agreement, you agreed to a month lease term with a monthly payment in the amount of $per month, due on the 18th day of each monthLate fees are assessed when a payment is not received within days of the date it is due
A review of your account indicates that you enrolled for the Automatic Payment Plan (“ACH”) on December 10, and would be effective with your lease payment due on January 18, Please note our records show numerous attempts were made in effort to contact you regarding the status of your account
Our records reflect that you have a current late fee balance of $334.39, which have been assessed throughout the life of the leaseAs a courtesy, GM Financial has submitted a request to waive $in late fees
Should you have any questions or require additional assistance in regards to this matter please contact GM Financial at ###-###-####
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because:There were not multiple attempts made to contact meActually 6/1/I was sent an email from GM reminding me to cancel my auto payment(this document has been uploaded)However, as you said, the auto payment ended April 3, so this is a confusing email!I do not understand the importance of dating when I contacted youYes I did set up the auto payment again, but I will be checking on it manually for now on until the end of my lease, which will be the last lease I will ever have with GM if this is not fixed. This late payment needs to be removed off of my account ASAPThe last time I set up auto payment, I was not given a date to end it, unlike this time.
Regards,
*** ***

Thank you for the correspondence sent to the Revdex.comI have reviewed your
concerns and would like to provide the following information.You will need to contact Western Union for proof of MTCN# ***Should you have any further questions regarding this matter please contact Western Union directly.Sincerely,GM FinancialSincerely,GM Financial

I have my documentation stating otherwise and it is you people who have stirred the potI have called your business in the past to discuss this and calls were never returnedYour fear is that you have been proven wrong by the consumer and yet to childish to admit your wrongI have all documents here in my possession that prove we had absolutely nothing to do with your company when you took over and had finished paying off Americredit before you people ever came on the sceneI will do a write up on your company now as per request through one of the bureaus, with my evidence in hand and they will post on my behalfLet's see who has egg on their face thenWe have also went to *** *** who will be reviewing all of this and decide whether a fine is in order for fraudulent information on our credit reportsThis is not over till this cancer patient says otherwise!

May 2,
Re: Complaint ID: *** *** ***
Dear Ms***,
Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information
On August 22, 2016,
you signed a Retail Installment Contract for the Chevrolet Malibu in the amount of $37,at an interest rate of 9.40%, agreeing to all the terms and conditions of the contractWithin the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning September 21,
On February 12, the vehicle was involved in an accident and declared a total loss by *** InsuranceOn February 23, 2016, GM Financial received a payment from *** Insurance in the amount of $13,that was applied to the deficiency balance with an effective date of February 12, An additional payment in the amount of $7,from GAP was applied to the account on April 17, with an effective date of February 12,
You were advised during previous telephone conversations, that you are still responsible for maintaining the monthly installment payments and are still subject to monthly credit bureau reporting until the account is paid in fullAs of the date of this letter, please note there have been no derogatory marks reported to the credit agencies
Please be aware, the insurance proceeds received from *** *** and your GAP claim were applied to your account balance and were not enough to pay the amount you oweAs of the date of this letter a deficiency balance is still owed on the account in the amount of $good through May 12,
Should you have any further questions or require additional assistance please contact GM Financial at ###-###-####
Sincerely,
GM Financial

March 29,
Re: Complaint ID: *** *** ***
Dear Mr***
Thank you for the correspondence sent to the Revdex.comGM Financial has reviewed your concerns and would like to provide the following information
GM Financial has requested that the appropriate credit reporting agencies remove the first GM Financial inquiry from your credit report, as the second inquiry resulted in a Lease AssumptionIn the event that the credit bureau reporting agencies are unable to delete the inquiry, we have asked that at a minimum that they convert the hard inquiry to a soft inquiryPlease be advised that it can take the credit reporting agencies four to six weeks to update your credit report
We apologize for the poor level of service he feels he has received Please be assured that GM Financial gives customer service a high priority and is totally committed to achieving excellenceWe appreciate you bringing this matter to our attention and apologize for any inconvenience this has caused
Should you have any further questions or require additional assistance with regard to your lease account, please contact me directly at the number below
Sincerely,
GM Financial

Complaint: ***GM Financial, Thank for replying thisI don't think I should put my full social security number here(see last # below)Your GM reference # for this case is ***.(see attachment) However you can call me at *** for further sensitive information
Regards,
*** ***SS# ***

September 23,
Re: Complaint ID: ***
*** ***
*** ***
Dear Mrand Mrs***,
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

Once again I faxed the letter from dealerThis will be Th attempt to reach your companyI cannot believe how much of a struggle this is to get a fax to your companySo far your company has poor business practices especially in the communication

Complaint: ***
I am rejecting this response because:As you can see from a letter I just received, GM FINANCIAL is reporting a credit tradeline over days later for a lease that terminated on September 29, 2016. Additionally, as stated in my original complaint to the Revdex.com, State Attorney's Office, the CFPB and the FTC, GM Financial for some odd reason not only waited FULL MONTHS to bill me for the lease that was completed successfully and terminated on 9/29/but also NEVER NOTIFIED ME in any capacity whatsoeverGM Financial NEVER sent me a bill by US MAIL or EMAIL on record nor did they EVER CONTACT ME on my PHONE NUMBER OF RECORD, TEXT MESSAGE to the PHONE NUMBER OF RECORD, NEVER SENT ME EXPRESS MAIL, NEVER LEFT A VOICEMAIL and CERTAINLY NEVER SENT A PERSON LIVE EITHER TO MY HOME OR TO MY OFFICES OF RECORD AT ANY POINT WHATSOEVER.I VERY RECORDED DETAILED MESSAGE WAS LEFT WITH EUNICE PONCE stating the fact and stating that GM FINANCIAL has until 5pm this Friday August 4th to comply or I will be forced to file both a State and Federal Lawsuit for violating the Fair Credit Reporting Act and causing willful financial harmTo summarize, GM FINANCIAL leased a vehicle and was turned in on September 29, and for some apparent reason, they chose not only to NEVER send out a final bill to be reviewed and paid, but they waited months to start the due date and without any notification whatsoeverLastly, after receiving alerts on my credit report of a delinquent account, I caled GM Financial and they ask for all my information and said absolutely everything was 100% current on my current account and never again MENTIONED anything owed on this past account that was satisfactory and turned in (terminated) on 9/29/16.
Regards,
*** ***