GM Financial

June 28,
Re: Complaint ID: ***
*** E***
Dear Mr***,
Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information
After review of the
account, per the Wisconsin Department of Transportation, there is record of trying to title the vehicle on March 7, Wisconsin is showing AmeriCredit as the lienholderAs of June 27, 2018, GM Financial issued another release of lien to the address provided of West Congressional Way Florence, AZ Per the Ohio online record, there is no lienholder listed and a paper title was issued on June 6, with no lienholder
GM Financial is unable to honor your request to provide monetary compensationShould you have any further questions or require additional assistance please 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. GM Financial has not changed its position regarding this matter and feels that we have provided you with sufficient information reflecting the application of your monthly installment payments and interest accrual during periods of deferred installment paymentsPlease review the Account Payment History previously provided to you. Should you have any further questions or require additional assistance, please contact Customer Service at ***. Sincerely,GM Financial

Complaint: ***
I am rejecting this response because: GMAC is requesting account number- here it is for them #***
Regards,
*** ***

Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
As of May 09, 2016, GM Financial updated and forwarded the proper documentation to all three major credit bureaus to have the day delinquency marks removed that reported in September and October Please allow 30-days for this information to update and reflect accordinglyShould you have any further questions or require additional assistance with regard to this matter, please contact GM Financials Lease Customer Service 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.Our position regarding this matter has not changedOur research concludes that the account status and account payment history have been reported to the credit bureau reporting agencies with accuracy; and as a result, GM Financial is unable to make any changes or deletions to the credit bureau reporting of your account.Included for your review are additional copies of the Welcome Packet mailed to your address of record on October 2, and the deferment agreement you acknowledged online on June 25, as part of the deferments processed at your request for the installment due dates of June and July Outside of your contract, these documents also provided you with an explanation of the type of contract you entered into with this vehicle purchase.Should you have any further questions or require additional assistance, please feel free to contact GM Financial at 1(800)284-2271.Sincerely,GM Financial

May 4,
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, GM Financial submitted an update and forwarded the proper documentation to all three major credit bureaus on May 4, 2018, to reflect the current account statusPlease 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
Please understand that GM Financial is both by law and by contract required to report truthful and accurate information to the credit 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 contact GM Financial at ###-###-####
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because:According to my records and documentation I contacted *** *** *** and GM Financial on March 12th of to provide the information that I was informed of about an inaccurate VIN # by *** *** *** *** did not notify us of the error beforehand. I went to *** *** *** in person after I was told about the error by the insurance company. The insurance company advised that the vin # that I provided belonged to another one of their customers. To no avail, I couldn’t get any assistance over the phone or in person and was quickly dismissedGM Financial was initially updated (in March of not May of 2017) by me via phone, not by *** *** ***When I contacted you, GM Financial, you were also unable to assist meI expressed my concerns about paying for a vehicle that I thought I purchased in good faith with a legal contract which wasn’t the case.As per the insurance company’s explanation, the vehicle I had driven for a year was unknowingly uninsured. I also learned that the contracts I’d signed are null and void (GAP, auto protection etc.), because the vin # was attached to another individual’s truckI made several phone calls to you trying to gain further insight as to how this could happen, but no one could offer an explanation that made senseI didn’t make a payment in March because of the confusion surrounding this contract. I explained that until this issue is resolved, I will not continue to pay on a vehicle that may or may not belong to meEven though the issue was not resolved and I wanted my truck, I made a payment in the amount of $in April of and another payment of $in May of 2018, with both payments being greater than the $You accepted those payments without question or hesitation and still the issue with my contract was not addressedI then received a Notice of Default, Right to Cure, and Intent to Accelerate at the beginning of June requesting I pay over $30,at onceOn June 13th I spoke with a representative to question them about the contract once again as well as the notice receivedI told him I would make my June payment and he acted as if everything was okAccording to you the vehicle was placed out for repossession on that same dayOn June 16th the vehicle was repossessedOn June 18th and 19th I reached out to GM Financial to find out if we can correct the contract issues etc, but as usual, I received rude customer service My wife called and spoke to a representative named Evan for minutes and all he stated was that an unsigned contract was legal and there was nothing he could do to help meShe asked to speak to his manager and he said she was not available, but then transferred her to the managers (*** ***) voicemailWe’re still waiting for the return phone callOn June 22nd my wife called corporate and was transferred to a representative to help with the contract etcAfter a 41-minute conversation and them reviewing the contract they stated it was not legally signed (as I already knew) and stated they would assist in contacting the dealership and getting a legal contractThey also informed my wife that they would not send the truck to auction until we had a chance to get the vehicle back with an amended/legal contract. I was also informed by the GM Financial rep that the dealership will be held liable for the remaining balance of the truck. I contacted GM Financial again today, June 26, and was informed that they sent the vehicle to the auctionAt this point, there is not a valid contract between you and I, there is no signed amended contract by me, and is borderline fraud at best due to changing said vin # on my contract without my knowledge, approval, or signature. With this being said, it is your legal obligation to remove any negative credit reporting from the credit bureaus in regard to my credit.
Regards,
*** ***

July 26,
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
After further review of
the account, GM Financial was not able to locate the missing payment in questionPlease be advised, additional proof of payment from your financial institution is required, as the payment was submitted through a third-party vendorYour financial institution will need to request proof of disbursement from their vendorAs a courtesy, GM Financial waived the late fees on the accountAs of the date of this letter, the account is paid in full
The contract is a simple interest contract, meaning that interest is accrued daily on the unpaid portion of the amount financed, as indicated on the face of the contractGM 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 account and credit agencies
Should you have any further questions or require additional assistance with regard to this matter, please contact Customer Service at ***
Sincerely
GM Financial

September 1,
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
GM Financial
employees were not present at Van Horn Hyundai (“Dealer”) during the signing of the contract and GM Financial was not an original contracting party in any agreements between the two parties
A payment in the amount of $was received on August 15, for the Gap refundOur records do not reflect that you were informed by GM Financial that the Gap refund will be applied towards the monthly paymentsPlease understand that all ancillary product refunds are applied to the principal balance
GM Financial is unable to honor your request to apply the refund towards your monthly payments
Should you have any further questions or require additional assistance, please feel free to contact Customer Service at ###-###-####
Sincerely,
GM Financial

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***2, and find that this resolution is satisfactory to me
Regards,
*** ***

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!

October 27,
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 July 27, 2015, you and *** *** entered into a Retail Lease Agreement (“Contract”) for a GMC TerrainWithin the agreement, you agreed to a month lease term with a monthly payment in the amount of $per month, due on the 27th day of each month
Although you have advised GM Financial that through divorce proceedings Mr*** was awarded the responsibility for this lease, the contractual obligation still remains for all parties who entered into the contract
In order to have removed your liability, prior to the maturity of the lease, the party intending to assume sole responsibility would have needed to contact the dealership who originated the lease and have had to apply for the lease in their name onlyPlease understand that this would be the same process as when the lease was initiated in 2015, including credit approval
Should you have any further questions or require additional assistance, please feel free to contact GM Financial at ###-###-####
Sincerely,
GM Financial

September 19, RE: Complaint ID: *** *** *** Dear Mr***:
Thank you for forwarding the correspondence sent to the Revdex.comWe have reviewed your concerns and would like to offer you the following information Please be advised that we have updated and forwarded the proper documentation to all three major credit bureaus to remove the delinquency reported with regard to the payoff sent in from the dealershipPlease allow 30-days for this information to reflect on your credit bureau report Please feel free to contact our office at *** should you have further questions or concerns regarding this matter Sincerely, GM Financial Tell us why here

April 11,
Re: Complaint ID: *** *** ***
Dear Mrs***
Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information
Our records reflect
that a refund has been requested and completed A check in the amount of $was issued to the address of record on April 10, via regular mailPlease allow 7-days to be received from the date the refund was issued
Should you have any further questions or require additional assistance please contact GM Financial at ###-###-####
Sincerely,
GM Financial

December 27,
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

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 note on February 22,
2012, you signed a Retail Installment Sale Contract for a GMC Terrain in the amount of $33,at an interest rate of 11.60%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning March 23,
On July 13, 2016, the decision was made to place the vehicle out for repossession, as allowed by your 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 Michigan does not require a cure period or notice of repossession be mailed prior to repossession to the buyer, only the co-buyer
Our records reflect that we last spoke with you on June 13, 2016; at which time you set up a payment for June 30, that applied towards March and a partial payment of April installments, and no further payment arrangements were madePlease be advised numerous efforts were made to contact you with regard to the status of the account after that payment applied to the account on June 30, Our records reflect that there is a reinstatement hold on your account until August 1,
Please understand that storage charges accrue daily and are owed separately to the repossession agentA repossession fee is charged every time a vehicle is picked up, along with any other repossession fees
Included for your review are copies of your contract, and account payment historyShould you have further questions or require any additional assistance, please contact the Reinstatement Department at ###-###-####
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because: They responded with the name “***” instead of *** as submittedHow many other *** ***’s have Ford F150s financed through them? These are the exact responses I have endured that are common practice for GM Financial to deflect accounting sheets to show payments received etcI finally resorted to refusing to make any payments until they sent me the print out of payment which they never would then proceeded to put derogatory remarks on my credit reportsI communicated this to them by phone and in writingOver ten years later, they continue to adjust dates so that this account will not fall off my report.
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my dispute
Per my phone conversation, I accidentally accepted the business response to resolve my complaint. This was done in errorBased on the message from the business, I do not accept that they are being truthful when they state they were reporting to all CRAs MONTHLY on both mine and my spouse's accountsWe repeatedly asked them to show us proof but they would promise to mail the reports showing they were reporting to the credit agencies, which they never did It was only after talking to a supervisor and their manager that both came out in the open and stated they had not been reportingFurthermore it looks suspicious that they contacted the credit bureau reporting agencies on June This was the same week we refinanced the car with another financial institution and had the loan paid off in full All I am requesting is proof that they were reporting to the CRAs on a monthly basisIf no proof, then we still would like the stated desired settlement be met Regards, ***
Regards,
*** ***

EVERY DAY we receive MULTIPLE phone calls from GM FinancialYet since I have made this report for help since I am getting nowhere with them privately they have not made one phone callFirst reposnse was to ask me to provide more information as if they didn't have it alreadyI question the legality of taking payments, and deducting late charges before paying payment so that the car payment is never listed as "paid" damaging both credit and telling us we owe paymentsTried to handle this on our own but no one is providing proof that these are legal actionsHaving had different car loan carriers already I can tell you this is not the norm but need someone to look into thisThey are completely avoiding dealing with thisGoing to have to go to a "higher up" soonAgain I reiterate that we have suddenly had no calls since this filing however we revived calls every day on landline, cell phone, and even on a specified "do not contact line".

Thank you for your additional informationI have read numerous complaints about GM financial and creating situations like mineAll of my attempts to fax my phone records to your company were rejected, because they show no phone callsThis is when Ms*** told me, if they make a call and it doesn't go through it is not their problemI also received to right to cure letter, though you may say you sent them and one to each of us on the loanYour customer service department told me they do not send out repossession lettersYour reinstatement department said they had sent out one?? I'm still patiently waiting to receive either in the mailI feel as though not one person at your company is listeningI feel as thought I am just repeating the same things over and I know I amNow I have been a long standing customer for many yearsThe way I was treated and talked to on the phone by your company was extremely unprofessionalNever have I been treated this poorly companyI also refuse to call your customer service department for this reasonAs I told your supervisor in your reinstatement dept, I have spoken to a lawyerDo I want to hire one no, that will only be more money out of my pocket due to your companyThough the lawyer did try, my assumption would be I had a good caseSuch as the breach of peace law, which was violatedAlso an implied acceptance was violated, in which even a verbal agreement between myself andThe customer service representative about the two different dates that were given to me were agreed uponIf I was not given the second date, why would I have paid the the interest payment for the defermentI was given the dates of August 21st or August 28thWhich I promptly paid the amount agreed on, on the date agreed uponYet, your company is accusing me of lying? I am not gaining anything at this point, I have paid all of your outrageous fees, to retrieve my carI paid $in late fees, $for a reinstatement fee and $to get my car off of a lot where it should not have been taken in the first placeI lost a paycheck, being able to get my children from school, and not being able to go to workThis error was not on my part or why would I still be questioning for some type of answers that make senseI would very much appreciate speaking to someone who actually cares about what their customers are being put throughPlease do not waste any time typing your customer service number down pleaseI will keep searching for my answers and someone to talk to about this matterAs I believe I was treated unfairly and very poorly, this being spoken by a veteran of the army that served your company and families.