GM Financial

Again, the issue is NOT whether there is a balance, the issue is that I am considered past due $dollars when you received over $14kIt's simple mathThanks for nothing

July 3,
Re: Complaint ID: ***
*** ** ***
Dear M** ***,
Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
On April 1, 2016, you entered
into a Retail Lease Agreement (“Contract”) for a Chevrolet MalibuWithin the agreement, you agreed to a month lease term with a monthly payment in the amount of $per month, due on the 30th day of each monthPlease be advised the vehicle was solely leased to you and not a third party
Please note that GM Financial places a high priority on adhering to all state and federal law** The state of California requires a cure period or notice of repossession be mailed prior to repossession, a cure notice was sent to the address on file on April 15, On May 15, 2017, the decision was made to place the vehicle out for repossession, as allowed by your contractGM Financial is both by law and by contract required to report truthful and accurate information to the credit reporting agencie** We are unable to fulfill your request to refund the repossession charge** As of the date of this letter, your account is currently due for the July 1, base rent payment
Please be advised that we only disclose the telephone number where the customer can return the call, and the hours of operation on a public answering machineOur customer’s full name must be stated on the device recording to indicate a private answering device
Included for your review is a copy of your lease agreementIf you have any questions or require additional assistance please contact GM Financial at ***
Sincerely,
GM Financial

February 23,
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
In the state of Arizona, all GM Financial lease purchase option transactions are handled by IFS, a third party vendorThey will provide you with all necessary documents regarding the requested transactionPlease contact IFS directly at ***-***-***
If you have any questions or require additional assistance, please contact GM Financial at 1-***-***-***
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. GM Financial was not present during the contract negotiations between yourself and EnterpriseOn April 30, 2013, you signed a Retail
Installment Contract (“Contract”) for the Mitsubishi Outlander in the amount of $22,at an interest rate of 15.25%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning on June 14, Negotiation of Annual Percentage Rate would have had to occur with the Seller prior to entering into this Contract. As this is a Simple Finance Charge (simple interest) contract, we figure the Finance Charge (interest) on a daily basis at the Annual Percentage Rate on the unpaid part of the Amount Financed (principal)We may apply each payment to the earned and unpaid part of the Finance Charge, to the unpaid part of the Amount Financed and to other amounts you owe under this contract in any order we chooseWe based the Finance Charge, Total of Payments, and Total Sale Price shown on the front of your Contract on the assumption that you will make every payment on the date it is due A review of your account payment history reflects that the application of your payments to the unpaid part of the Amount Financed and to the earned and unpaid part of the Finance Charge is accurate. Included for your review are copies of your Contract and Account Payment History. Should you have any further questions or require additional assistance, please feel free to contact GM Financial directly at 1(800)284-2271. Sincerely,GM Financial

March 24,
Re: Complaint ID: ***
*** ***
Dear Ms***,
Thank you for the addition** correspondence sent to the Revdex.com
Please be advised that GM Financi** has not changed our position regarding the accountAs stated in the contract (See Page 2, under Other Terms and Conditions, section 2-F), if your insurance on the vehicle or credit insurance doesn’t pay all you owe, you must pay what is still owed
Thank you for your time and insight regarding your experience with GM FinancialShould you have any further questions or require addition** assistance, please feel free to contact GM Financi** at ***
Sincerely,
GM Financial

November 7,
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
On September 6, 2012, the vehicle was involved in an accident and declared a total loss by Progressive InsuranceOn September 10, 2012, GM Financial quoted a payoff to Progressive in the amount of $11,good for daysOn September 14, 2012, GM Financial received a payment from Progressive in the amount of $10,As per your contract, the payment was applied to the balance of your account reducing what you oweInsurance proceeds will only be applied to the principal balance of the accountAs outlined in the total loss letter sent on September 10, 2012, 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 fullThe insurance proceeds received from Progressive were applied to your account balance and were not enough to pay the amount you owedThis balance was reported as a charge off on November 30, The GAP Insurance refund was received on December 27, satisfying the charge-off balance
If you have any further questions or are in need of additional assistance regarding your account, please contact the GM Financial Total Loss Department at ***
Sincerely,
GM Financial

When I contacted GMAC in regards to setting up auto pay the rep told me that I was unable to do soI asked about that option because it was financially betterIf I am able to set up this option please contact me as I was told that I could not by your representative

February 14,
RE: Complaint ID: ***
*** ***
Dear Mr***,
Thank you for forwarding the additional correspondence
Please be advised that GM Financial has not changed our position regarding the account
Thank you for your time and insight regarding your experience with GM Financial
Please be advised copy of the Account Payment History will be mailed to you separately
Sincerely,
GM Financial

May 23,
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
A refund has been requested and completed A check in
the amount of $1,was issued to the address of record on May 17, via regular mailOur records reflect that the check has been reconciled
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 ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

July 28,
RE: Complaint ID: ***
*** Bond
Dear MrBond:
Thank you for forwarding the correspondence sent to the Revdex.com and would like to offer you the following response
Please be advised that GM Financial places a high priority on adhering to all
state and federal lawsThe state of Maryland does require a Pre-Repossession notice to be sent prior to submitting the account for repossessionThis notice was mailed to the address of record on May 10, The cure notice detailed the amount needed to cure and provided a cure date or date of last payment
On July 4, 2017, GM Financial made the decision to place the account out for repossession due to the account being over days past due and subsequently the vehicle was repossessed on July 11, A Notice of our Plan to Sell Property and Notice of Right to Redeem was mailed to you on July 12, This letter detailed the information and amount needed to reinstate the accountThe letter also specifically states that any additional amounts coming due or expenses incurred that are not reflected on the notice, will be added to the total you must pay
After a thorough review of the account it has been determined that the handling of the account including repossession was in compliance with all state and federal lawsOur records also reflect as of July 24, 2017, the reinstatement amount was paid and the vehicle is back in your possession
Should you have further questions or concerns, please contact our office at ***
Sincerely,
GM Financial

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11300660, and have determined that this does not resolve my disputeagain NOTHING is done about this still! I I have been charged several months for late fees and you have reported in my credit that they were not paidFix the credit report! Figure out WHY you are trying to say we have payments due still!

May 11,
Re: *** *** Complaint ID: ***
Dear Ms***,
Thank you for the correspondence sent to the Revdex.comAt this time, GM Financial is currently reviewing your accountPlease allow additional time for your request
to be reviewedOnce the review has been completed, a response will be communicated to you via regular mailShould you have any questions while we review your account, please feel free to contact GM Financial at ###-###-####
Sincerely,
GM Financial

August 1,
Re: Complaint ID: ***
*** ***
Dear *** ***,
Thank you for the correspondence sent to the Revdex.com We have reviewed your concerns and would like to provide the following information
On May 22, 2015, you entered into a Lease Contract (“Contract”) with *** Chevrolet, LLC for a Chevrolet Equinox Within the contract, you agreed to a month lease term with a $payment, due on the 22nd of each month beginning on May 22,
Our records reflect that you enrolled for the Automatic Payment Plan (“ACH”) on July 8, and would be effective with your lease payment due on August 22, Please note, a notice was mailed to the address of record on July 23, explaining this information
On July 21, 2015, you spoke with a GM Financial representative in regards to your ACH, at this time it was explained that your ACH would be effective August 22, and other payment options were provided to you in order to make your July base rent due date Please be advised, the MyAccount dashboard will reflect the scheduled payment amount and also advises you to refer to your monthly statement for the total amout due Please note, payments submitted online are processed through Western Union Speedpay and will reflect a zero amount due; however, you are still able to make your payment online by selecting “pay other amount” on the payment screen
Upon review of the account, the payment received on August 24, in the amount of $was applied towards your July base rent due date, this caused your GM Financial account to be one month behind GM Financial made multiple attempts to contact you regarding the status of your account
On October 12, 2017, you spoke with a GM Financial representative and it was explained that your account was one month behind and there were late fees assessed in the amount of $ As of the date of this letter, a remaining lease liability balance is still owed on the account in the amount of $1, Please be aware, our Loss Recovery Department will work with you on making arrangements for the remaining balance due
Should you have any further questions or concerns with regard to this matter, please contact GM Financial 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,
*** ***

March 6,
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
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

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information.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 agencies with accuracy; and as a result, we are unable to make any changes or deletions to the credit bureau reporting of your accountOur research further indicates that all credit disputes received have been responded to accurately and in a timely manner.The late payments in question were all paid online via MyAccount using Western Union SpeedPayThis type of payment is customer driven, initiated and authorizedPlease see below for specifics about these particular payments.Included for your review are copies of your contract and the complete account payment history of your accountShould you have any further questions or require additional assistance, please feel free to contact Customer Service at 1(800)284-2271.Sincerely,GM Financial

April 18,
Re: *** *** Complaint ID: *** GM Financial Account No: ***
Dear Ms***,
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 you called in on February 10, and were provided a payoff amount of $1,A payment was received the same day in the amount of $1,Please be advised this amount did not satisfy the payoff balanceOn April 10, the loan was paid off with the final payment in the amount of $
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 the poor level of service you feel you have receivedIf you have any further questions or concerns regarding this matter, please feel free to contact GM Financial at ###-###-####
Sincerely,
GM Financial

September 15,
RE: Complaint ID: ***
*** ** ***
Dear Ms***,
Thank you for the additional 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

June 22,
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
Upon review of the account, on June 20, 2017, GM Financial
submitted an update and forwarded the proper documentation to all three major credit bureaus for the removal of the negative reportingPlease allow 30-days for this information to update and reflect accordingly
Please be advised GM Financial waived the billed amount of $and the $for Excess Miles from your GM Financial Lease account.GM Financial is unable to honor your request to refund any additional amountsPlease note a paid in full letter will be mailed to your address of record
We apologize for any inconvenience this situation may have causedShould 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