GM Financial

July 3,
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
A review of your account reflects
that the account was s paid in full November 7, 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 account at this timeYou may contact the credit reporting agencies directly to confirm the dates they have scheduled for this debt to delete from your credit bureau report
If you have any further questions or are in need of additional assistance regarding this matter, please contact GM Financial at ***
Sincerely,
GM Financial

July 26,
RE: Complaint ID: ***
*** ***
Dear *** ***:
Thank you for forwarding the correspondence sent to the Revdex.comI would like an opportunity to address your concerns, however more information is requiredAt your earliest convenience,
please forward me your full account number or social security numberUpon receipt of this information I will research this matter
Sincerely,
GM Financial

February 14,
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 requiredIf you are unable to provide this information, please contact GM Financial at ###-###-####
Sincerely,
GM Financial

September 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
On October 26, 2016, you
signed a Retail Installment Sale Contract for a Chevrolet Cruze in the amount of $19,at an interest rate of 14.50%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning November 25,
On September 5, 2017, the decision was made to place the vehicle out for repossession, as allowed by the contractAt this time the account was days past dueThe account history was reviewed thoroughly and it has been determined that the handling of the account, including repossession, was in compliance with all state and federal lawsThe state of Illinois requires a cure period or notice of repossession be mailed prior to repossession if there is a co-buyer on the account, a cure notice was sent to the address on file on August 16,
Our records reflect that GM Financial spoke with you on various occasions, however payment arrangements were not firmly set in place or the promises to pay were brokenPlease be advised numerous efforts were made to contact you with regard to the status of the account prior to the last contact made on August 26, and after that dateIn efforts to assist you, a deferment was offered to youHowever, the deferment was not processed due to broken arrangementsStorage charges are owed separately to the repossession agentA repossession fee is charged every time a vehicle is picked up, along with any other repossession feesGM Financial is unable to honor your request to waive the repossession fees
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
You may utilize other payment options such as payment by phone, IVR, or online at www.gmfinancial.comThese payment options are provided by Western Union and may subject to a convenience chargePayment options available at no cost include the ACH payment option online or the GM Financial Automatic Payment PlanPlease be advised depending on the status of your account some of these options may not be available
Included for you review is a copy of the Contract and Payment HistoryShould you have any further questions or require additional assistance with regard to this matter, please contact Customer Service at (*** ***
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because:Account Number: ***
Regards,
*** *** ***

Complaint: ***
I am rejecting this response because: Insurance paid claim based by information provided by GM FinancialI do not owe said amountI owe late fees and at time of incident I owed a parti** car note and a full the remaining balance belongs to GM Financi** as again claim was paid and retroactive to date of accident.
Regards,
*** ***

November 7,
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 of today November 7, 2016,
our records do not reflect that your account has been reviewed and/or denied for the Servicemembers’ Civil Relief Act (“SCRA”)GM Financial has not yet received the statutorily required written notice to the creditor and a copy of the military orders calling the servicemember to military service and any orders further extending military serviceIf you would like for your GM Financial account to be reviewed for eligibility under SCRA, please remit this information by fax or e-mail to:
Fax Number: *** ***
Email: ***
Should you have any further questions or require additional assistance with regards to this matter, please contact Customer Service directly at ***
Sincerely,
GM Financial

December 26,
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 September 22,
2012, you signed a Retail Installment Sale Contract (“Contract”) for the purchase of a Chrysler in the amount of $29,Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning on November 6, GM Financial employees were not present at Advantage Chrysler Plymouth (“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
On November 18, 2017, the vehicle was involved in an accident and declared a total loss by Geico InsuranceOn November 27, 2017, GM Financial quoted a payoff to Geico in the amount of $11,good for daysYou were advised during previous telephone conversations and via the notice mailed to you on November 27, 2017, 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 full
On December 19, 2017, GM Financial received insurance proceeds from Geico in the amount of $9,As per your contract, 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 any other amounts you owe under this contract in any order we chooseThe insurance proceeds were applied to the principal balance of your account reducing what you owePlease be aware, the insurance proceeds received from Geico and were applied to your account balance and were not enough to pay the amount you owe
Included for your review is a copy of the ContractShould you have any further questions or require additional assistance, please contact GM Financial at ***
Sincerely,
GM Financial

February 28,
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
An update was submitted to the credit bureau reporting agencies on February 27, to reflect the current account status and the date last paidPlease 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 (800) 284-
Sincerely, GM Financial

?Thank you for forwarding 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 the name of the GM Financial customer as well as the year,make,
and model of the vehicle in questionBased on the information provided within your complaint, we have been unable to locate a specific GM Financial accountUpon receipt of this information I will research this matter?Sincerely,?GM Financial

It has taken GM multiple telephone inquiries, FCRA disputes and Revdex.com complaints to finally provide documentation.The GM bailout cost us over $Billion Dollars Now GM is proud to make it harder to purchase a GM auto by a prior customer who paid off an auto loan almost two years early -but was late three Christmas seasons and the first month college tuition was dueIt boggles the mind that GM receives mercy but cannot give anyThey may have an obligation to report, but they do not have an obligation to their stockholders to keep their heads in the sand.Please remove the late reports to make it easier to get another GM car! The sales department needs your help!

Complaint: ***
I am rejecting this response because:GM Financial, I am glad you appreciate me holding you accountable with the Revdex.com It is evident that you have a severely flawed system and it is my hope that you take this as a an opportunity to address these inadequacies within your institution It was only after my repeated attempts in escalating frustration and ultimately contacting Revdex.com that GM Financial complied with my request This is extremely unacceptable customer service You clearly misunderstood my intention for resolution, I was not seeking any monetary compensation but mearly an acknowledgment of GM Financials cheap tactics to delay/ignore my requests I see that GM Financial completely feels like they made every effort to meet my needs but that is simply not true, I have no interest nor the time to sit around and make this up nor does my credit union A simple written apology of the handling of this matter would have been acceptable to me and maybe even a follow up with whom ever is managing this department It is truly my hope that this concern does not fall on deaf ears and it would show true character and pride in your company if there was a more dignified response to this matter
Regards,
***-*** ***

June 20,
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 be advised that the payment in
question was postdated for May 31, on May 15, through our Western Union Automated System with a checking account, this payment is customer authorized and initiatedOur records reflect that GM Financial spoke with you and a representative from Americu Credit Union on June 7, 2017, and determined that the information inputted by you was entered incorrectly
GM Financial is unable to honor your request to delete or alter your account information from your credit report
GM Financial is required to report truthful and accurate information to the credit bureau reporting agenciesOur research concludes that the account status and payment history of your account have been reported to the credit bureau reporting agencies with accuracy
If you have any further questions or are in need of additional assistance regarding this matter, please contact GM Financial at *** ***
Sincerely,
GM Financial

February 5,
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
Please be advised the
payment in question was located and applied to your account and reflects the account as paid in full as of December 13, A refund has been requested and is being processedA check in the amount of $2,will be mailed to the address on file
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 Customer Service directly at (*** ***
Sincerely,
GM Financial

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

December 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
Please be advised the
remaining balance of your GM Financial Lease account has been waived
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 regarding this matter, please feel free to contact GM Financial Lease Customer Service directly at *** ***
Sincerely,
GM Financial

February 22,
Re: Complaint ID: ***
*** ***
Dear *** ***
Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information
On November 17, you
set up a Western Union Recurring Payment Plan online, in the amount of $*** to be drafted on the 18th each monthPlease note that your regular monthly payment is $*** as notified in your billing statementThe most recent statement reflects the amount that is currently due $*** and the amount that was not fulfilled with the last payment made on the account in the amount of $***Please note these types of transactions are initiated and authorized by the customer only and any changes to the payment schedule would need to be made by you online
Should you have any further questions or require additional assistance in regards 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, as I received my Title via overnight mail yesterday, 9/26/
Regards,
*** ***

Thank you for the additional correspondence sent to the Revdex.comGM Financial has reviewed your concerns and would like to provide the following information.On December 10, 2015, notes indicate that you would pay something towards the account; at this time the representative advised you that a minimum of a payment and half would be requiredYou advised the representative that you could not say how much you will pay and were advised by the representative that this would not secure the unitThere were no firm payment arrangements in place at the time of repossession.A thorough review of our records reflects that after the call on December 10, and prior to the repossession on December 18, 2015, attempts were made to reach you at your home and cellular numbersIf your voice mail does not provide your full name, for privacy reasons, only a generic message will be leftThe voice message will include the first name of the representative calling, indication that the call is in reference to a personal business matter, and a call back telephone number.GM Financial’s Reinstatement Department received one voice mail on December 18, at 1:22pm (CST)A return call was made on the same date to your cellular number and a message left at 4:29pm (CST)At my request, you were again contacted on Monday, December 21, at 9:44am and 9:45am (CST) at your cellular number, and 9:47am (CST) at your home numberTwo messages were leftOn December 21, 2015, GM Financial received a voice mail at 9:56am (CST) and return calls were made to your home and cellular numbers at 12:05pm and 12:07pm (CST)Our records reflect you contacted the Reinstatement Department at 4:26pm (CST) and spoke with member of leadership at that timeYou purchased this vehicle on April 23, and to date GM Financial has only received installment paymentsOn December 8, 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 October 7, 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 lawsProper notification was sent to you via Certified Mail pursuant to Wisconsin law to your address of record on November 19, 2015.GM Financial has not changed its position regarding this matter, as we made numerous attempts to reach you in an effort to cure the default prior to the repossessionIf you change your mind regarding the reinstatement or redemption of the account, please feel free to contact GM Financial directly at ###-###-####

Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information.As GM Financial has explained to you by phone and via the previous Revdex.com Complaint response, you are not being billed two months aheadThe amount reflected on MyAccount is for the past due February 1, installment due date and for the current billing cycle due March 1, 2016.Our records reflect that payoffs were quoted to *** *** Chevrolet on February 4, and February 5, As of today’s date the payoff for your account has not been received and the account is still activePlease understand that you are still responsible for the account until the payoff has been received by GM Financial.If you have any further questions or are in need of additional assistance, please contact Customer Service at 1-800-284-2271.Sincerely,GM Financial