GM Financial

October 2,
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 January 7, 2012, you signed a Retail Installment Sale Contract (“Contract”) for the purchase of the referenced Chevrolet CamaroWithin the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning on February 06,
Please be advised the legally required “Notice of Right to Redeem or Reinstate” and the “Notice of Our Plan to Sell Property” was mailed to your address of record on October 14, Further review of your account reflects an amended “Notice of Our Plan to Sell Property” was mailed to your last known address of record via certified mail on November 21, All certified items were returned to GM Financial as unclaimedAfter the sale of the vehicle at auction, a “Deficiency Calculation” letter was mailed to your last known address of record on December 31, 2014, at this time a deficiency balance of $11,remainsOur records reflect this item was not returned to GM Financial
Please note, the Statute of Limitations acts as a bar to filing a lawsuit on the debt, but does not require GM Financial to automatically stop all collection activities and does not govern or contain dictates regarding the reporting of the account to the credit reporting agenciesTo inquire about the exact date the GM Financial trade line will be removed from your individual credit bureau reports, please contact the credit bureau reporting agencies directly
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 ***, and find that this resolution is satisfactory to me
Regards,
*** ***

Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
Our research concludes that your options for payment will be payment by phone, and IVR with debit cardSome of these payment options are provided by Western Union and are subject to a convenience feePayment option available at no cost is via mailPlease understand Auto-Pay and payments online are restricted anytime the account has had or more Non-Sufficient Funds returns
Should you have any further questions or require additional assistance, please feel free to contact Customer Service at ###-###-####
Sincerely,
GM Financial

August 1,
RE: Complaint ID: ***
*** ***
Dear Ms***:
Thank you for forwarding the additional correspondence sent to the Revdex.comWe have reviewed your concerns and would like to offer you the following information
On June 5, 2015, you signed a Retail Installment Sale Contract (“Contract”) for the Chevrolet Malibu in the amount of $25,at an interest rate of 9.90%Within the agreement, you agreed to a repay the loan in monthly installments in the amount of $per month, beginning July 20,
Please be advised upon repossession of the vehicle on October 29, 2015, it was sold at auction for $13,which was applied to the remaining balance of the accountGM Financial mailed you a Statement of Final Accounting Deficiency Calculation on December 15, which provided you a breakdown of what is owedWe also sent follow up letters with balance information once a payment was made and offering a settlement amount
Please be advised that 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 make any changes or deletions
Per your request, your current deficiency balance is $12,We have mailed you a copy of your payment history as well as the balance and settlement letters to the address we have on filePlease feel free to contact our office at *** if you have further questions or concerns
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because:
I am rejecting this response because: If you looked into my file you will notice that myself and *** from PSECU have stated that the notarized letter that was sent to me was not acceptable to the Department of TransportationThey claim that the money was never received and that just providing the tax number is not proof that the money was sentThat is why I am asking you to provide the cheque number or another form of proof that my tax money was paid to the stateIf the money was sent to the state, it should be no problem proving that it was in a different form other than the letter and the numbers you provided. As for calling your tax department with questions, that is a waste of my timeI have talked to the tax department, escalations department, mangers and others to resolve this issueThe call always ends in "we will phone you back with an answer" and they never doExtremely poor customer service. At this point I am absolutely disgusted with your companyHow many times do I need to request a different form of proof?
Regards,
*** ***

February 14, 201*
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 July 9, you
set up a Western Union Recurring Payment Plan online, in the amount of $*** to be drafted on the 10th each monthOn February 10, your tax rate increased causing your monthly installment to change from $*** to $*** as notified in your billing statementThe recurring payment amount was no longer sufficient to cover your monthly installment, causing your account to become delinquent
In an effort to resolve this matter, GM Financial has submitted an update to the credit bureaus to remove the derogatory mark and reflect the current account statusThe bureaus generally reflect the updated reporting information within 30-days
If you have any further questions or require additional assistance, please feel free to contact GM Financial at ***
Sincerely,
GM Financial

Your company has not reported truthfullyAll payments were sent on time but were not processed on timeI never received any phone calls or notices saying that the payments were not processedYou need to fix this report.

February 23,
Re: Complaint ID: ***
*** ***
Dear Ms***,
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

Complaint: ***
I am rejecting this response because:I am aware of when my payment is due, that is not the issueThe issue here is the customer service is telling me when to make a payment to avoid being reported as late to credit bureau and when I do make the payment as told is being noted as late paymentHaven't had an issue before until your system update that has messed up payments or your webpage goes under maintenanceThat is not my fault you had upgrade issuesWestern Union payments are processed the next day so I would be considered late either waySo wanting me to use Western Union as an option for payment on 30th day to avoid being reported late is not a good suggestionI have days to make payments to avoid being reported so I shouldn't be told to not make payments past due date
Regards,
*** ***

December 20,
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 June 16, you signed a Retail Installment Sale Contract for a Jeep Compass in the amount of $10,at an interest rate of 20.95%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning July 16,
Please be advised that to be able to reinstate the vehicle, all past due payments, late charges, impound and repossession fees must be paid in fullAlso note that the vehicle could be transported to the auction at any time and without notice any time a vehicle is repossessed
Our records reflect that you completed the reinstatement of this vehicle on December 16,
Should you have any further questions or require additional assistance, please contact GM Financial’s Customer Service department at ***
Sincerely,
GM Financial

March 9,
Re: Complaint ID: *** *** ***
Dear Ms***,
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

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
Please be
advised the title was released on September 13, via FedEx overnight tracking number ***A refund is scheduled to go out on September 23, and will be sent via regular mailIn order to expedite the refund process, proof of cleared funds are requiredPlease fax in a front and back copy of the cashed item to (***) ***-***, so that we may expedite the refund process
We 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 Customer Service at (***) ***-***
Sincerely,
GM Financial

February 27,
Re: Complaint ID: *** *** ** ***
Dear Mr***,
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

October 31,
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
On August 13, 2013, you signed a Lease Agreement 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 12th day of each monthThe lease maturity date of this contract is November 13,
Please note at the time of the lease turn in, your account was due for the October 14, base rent due date; however, as a customer courtesy GM Financial is honoring your request for a refund and waiving the remaining base rent in the amount of $299.71, leaving a remaining balance due of $for Excess Wear and Tear
A refund in the amount of $was issued by GM Financial Invoice Number *** and sent to your address of record today on October 31, Please allow to business days from the time the check was issued for it to be received
Please be advised, as stated in your contract (See Page 2, under Other Terms and Conditions, section Standards for Wear and Use), you may be charged for excess wear and use at the end of the scheduled Lease termThe vehicle will not have road damage, chips, scratches, cracks or damage to the glass, body, bumpers, frame or interior
An itemized list of the excess wear and tear charges and pictures can be viewed at ***n by entering the vehicle identification number and account number
Should you have any further questions or require additional assistance regarding this matter, please contact GM Financials Lease Servicing Department at ***
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because: I am not represented by an attorneyI contacted several attorneys to be advised of my rightsI have not hired any counsel to represent me because I was advised to contact the Revdex.com first in an attempt to reach someone of purpose at GM Financial who would address my concern as contacting just phone representatives did not rectify the situation and has not in over months.I want my title and the letter of permission to register my vehicle, as I am entitled to
Regards,
*** ***

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

Complaint: ***
I am rejecting this response because:As I stated in my first rejection, despite what the author of the email claims, I was able to handle this issue with absolutely no concern on the part of the GM Financial people I spoke with regarding my my name not being on the lease agreementClearly there is something wrong with the business practices of GM Financial regarding these types of issues, or some re-training needs to occurSimply restating that you can not share any information with me regarding this lease account because I'm not listed on it is ridiculous, and a clear indication that you didn't even read my last responseThere simply is no need for you to continue to inform me of a business practice your people clearly don't adhere toNo matter what canned response you send me is going to excuse the fact that GM Financial took over a month to return my extra payment.
Regards,
*** ***

March 2,
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
Our records indicate that on January
15, 2018, a release of lien was mailed to your address on filePlease be advised, your name as reflected on the Motor Vehicle Title and your GM Financial account was *** JohnsonAn additional release on lien was mailed on February 14, to your updated address on file
Unfortunately, GM Financial is unable to send a release in a name other than the name reflected on the title and system of recordPlease contact the Kentucky Department of Motor vehicles and provide the required documentation in order to update the name reflected on the title
If you have any additional questions regarding this matter, 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 offer the following information
On August 10, 2007, you signed a retail installment sales contract for a Chevrolet MalibuWithin the agreement, you promised to
pay the amount financed of $10,and a finance charge of $5603.90, which resulted in a total of payments of $15,705.60, if all payments are made on the due dateIt is important to understand that this Contract is a “simple interest” contract in which interest is accrued dailyBy signing the contract, you agreed to abide by these terms, including paying the principal amount plus finance charges accruing on the unpaid balance at the rate of 18.95% in installments of $
In review of your account activity and payment history additional interest accrued over the life of the loan due to payments being made after the scheduled due date and deferments that were processed at your requestThroughout the time the account was active; deferments were processed for the months of April and May of 2008, May and June of 2009, May and June of and April and May of The account has also been paid past the installment due date on numerous occasionsIt is important to understand that when payments are paid late or deferred, interest will continue to accrue on the unpaid principal balance
Our records reflect that the account matured on April 10, On this date a maturity letter was sent to the address of record advising you that the final balance had become due in full Additional review of our records indicates that GM Financial had verbal contact with you on April 9, and that the representative made you aware of the remaining balance at that timePayment arrangements were made to pay four installments of $monthly beginning May of with the final payment due in August of Our records reflect that only two payments of $were received on May 23, and June 25, These two payments did not complete the GM Financial approved arrangement
Please note a review of your account reflects that your loan charged off on August 30, GM Financial attempted to reach you regarding the status of the account and upon charge off regarding the deficiency balance remaining
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; and as a result, we are unable to make any changes or deletions to the credit bureau reporting
Please be advised GM Financial is unable to release the title as a deficiency balance still remains on the account
Included for your review is a copy of your contractPlease note a copy of your account payment history is being mailed to your address of recordShould you have any further questions or require additional assistance with regard to this matter, please contact GM Financials Loss Recovery department at ###-###-####
Sincerely,
GM Financial

June 14,
Re: Complaint ID: ***
*** ***
Dear *** ***,
Thank you for the correspondence sent to the Revdex.com We would like an opportunity to address your concerns; however, additional information is required
For verification purposes, please forward me your account number, last four digits of your social security number, mailing address, along with the make/model of the vehicle Upon receipt of this information we will research this matter
Sincerely,
GM Financial