GM Financial

Complaint: ***
I am rejecting this response because: No resolution was achievedI have engaged with GM financial on multiple occasions for them to resolve this to no avail. Counsel has confirmed this is an SCRA violationAs this remains unresolved I will be following up to pursue civil penalties against GM financial
Regards,
*** ***

Thank you for the correspondence sent to the Revdex.comA review of your concerns has been completed and we would like to offer you the following information
Our records reflect that the account for the Ford Expedition matured on May 3, On this date a
maturity letter was sent to the address of record advising you that the final balance had become due in fullThe balance reflected on this letter is $4,As your Retail Installment Sale Contract is Simple Interest Finance Charge, interest continued to accrue on your account until the principal balance had been paid in full
According to our records payments totaling the amount of $3,were received on May 17, 2011, June 23, 2011, and June 27, These payments satisfied the principal and/or interest balance of the account; however it did not cover the full balance owed, leaving an outstanding late fee balance of $1,A Final Letter regarding the late fee balance was mailed to the address of record on September 14, This letter provided information regarding remaining late fee balance and indicated that GM Financial would continue to hold the title/lien and/or contract for the account until the balance is paid
GM Financial received a payment in the amount of $for the late fee balance on August 23,
On June 30, 2015, an agreement was made in an effort to assist you, by waiving $of the late fee balance, upon the receipt of $On July 6, 2015, GM Financial received personal check # in the amount of $800.00; and the remaining late fee balance of $has been waivedThe title for the Ford Expedition is set to be released on July 27, Had the funds been sent in the form of a Cashier’s Check, as you had indicated on June 30, 2015; the title would have been released three business days from the receipt of the final paymentShould you require the release of the title prior to July 27, 2015, proof of cleared funds are required for personal check # Should you choose to do so, you may fax this proof to ###-###-####
Included for your review are copies of your Retail Installment Sale Contract, Maturity Notice, Final Letter regarding the Late Fee Balance, and a copy of personal check# Copies of your Account Payment History were previously mailed to you on June 29, and July 9,
Should you have any further questions or require additional assistance, please feel free to contact Customer Service at ###-###-####
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because: GM is not looking at the documentation submittedThere was no possible way for us to know that the May payment did not go throughThe evidence clearly shows that a payment was made with a transaction numberThis is the only thing that is available on the website as far as history is concernedThere were no phone calls to notify us, and absolutely no correspondence that something was wrong until after the fact of reporting this to the credit bureau.In addition, we are using the same account that was provided for May and there was nothing wrong with June, July or August payments, unless there is problem with the beginning of the accountWe can not tell anything from this websiteIt is not user friendly and not conducive for communication. If this can not be resolved through Revdex.com, we will continue to seek other ways to rectify GM's misinformation and communication in regards to our account
Regards,
*** ***

July 20,
Re: Complaint ID: ***
*** ***
Dear Ms***,
Thank you for the correspondence sent to the Revdex.com At this time, GM Financial is currently reviewing your account Please allow additional time for your request to be
reviewed Once the review has been completed, a response will be communicated to you via regular mail
Sincerely,
GM Financial

May 29,
Re: Complaint ID: *** *** ***
Dear Mr***,
Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information
As stated on your monthly billing statement under Failure to Pay, We may report information about your account to credit bureausLate payments, missed payments, or other defaults on your account may be reflected in your credit report
Please understand 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 to the credit bureau reporting of your account which is done in accordance with the industry standard of the Metro II format in compliance with the Fair Credit Reporting Act (“FCRA”)
Should you have any further questions or require additional assistance with regard to this matter, please contact Customer Service at ###-###-####
Sincerely,
GM Financial

July 27,
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
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because I never received the title from GM Financial. Can GM Financial provide me with proof that it sent me the title back in February? It gave me tracking info for the signed lien waiver in April but has not yet proved it sent me the title by giving me the delivery tracking/proof of delivery information for February. I believe GM Financial sent it to a third party by mistake back in February, because that is what GM Financial told me (at least once by supervisor *** * ***) in March. I never got the title back in February and GM Financial wants me to pay money to get a duplicate title through getmycartitle.com. I should not have to pay GM Financial for a duplicate title
Regards,
*** ***

March 31, 2017 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 that a cease and desist of telephone communication has been documented to the accountWhile you may no longer receive telephone calls regarding the status of your account, GM Financial will continue to communicate with you to the extent allowed by law Late fees are assessed when a payment is not received within days of the date it is dueOur records reflect that there are no late charges assessed or a credit mark on the account at the timeThe account is current as of the date of this letter. Should you have any further questions or require additional assistance, please feel free to contact Customer Service at ***. Hours of Operation:Monday through Thursday, 7:a.mto 8:p.mCTFriday, 7:a.mto 7:p.mCTSaturday, 7:a.mto 4:p.mCT Sincerely,GM Financial

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
At your earliest convenience,
please provide a copy of the plate cancellation receiptThis can be obtained from the DMV websiteUpon receipt of this information I will research this matter
Should you have any further questions or require additional assistance please contact GM Financial at ###-###-####
Sincerely,
GM Financial

January 11,
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
As you are not a party to the lease
agreement, please understand GM Financial is unable to discuss account specific information without consent from the account holder
The account holder may contact our Lease Customer Service department directly at ###-###-#### to discuss this matter further
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.On July 11, 2015, you signed a Lease Agreement for a GMC AcadiaWithin the agreement, you agreed to a month lease term with a monthly
payment in the amount of $per month, due on the 10th day of each month.Our records reflect that you attempted to set up a recurring payment schedule online on August 12, 2015, but unfortunately the plan did not processOn September 4, 2015, you were notified of this information and were also advised that you would need to remit the payment yourselfAs a courtesy $in late fees were waivedAn ACH payment was made online using Western Union SpeedPay on the same dateOur records do not reflect that any further recurring payment schedules were attempted to be set up online.Our records further reflect that you spoke to GM Financial on October 20, regarding the past due rent payments for September and October of You did not remit a payment online for these payments until October 21, 2015, when the September rent payment was days past dueOn October 27, your account was set up on EFT to automatically withdraw your rent payments from your bank account beginning in December of 2015.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.Included for your review are copies of your Lease Agreement and Status of AccountShould you have any further questions or require additional assistance, please feel free to contact GM Financial at 1(800)369-5212.Sincerely,GM Financial

July 12,
Re: *** S***
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 aware, GM Financial is an indirect lender and
all credit applications are submitted through an affiliated dealerOn April 21, 2018, an application for credit was submitted through *** ChevroletGM Financial was not present at the dealership during the negotiations, however, our records indicate that GM Financial was unable to accept the initial terms requestedGM Financial is required to send the applicant a notice of adverse actionA secondary notice that reflects the specific reasons we were unable to offer you financing has been requestedPlease allow 7-business days to receive the notice via regular mail
Should you have any additional questions or concerns with regards to this matter, please feel free to contact GM Financial directly ###-###-####
Sincerely,
GM Financial

Thank you very much for your very detailed responseAgain, I submit to you that you have incurred no costs for these late fees and did not in my mind make a good effort to advise me that the title was not being releasedAt the very least I would have accepted this had you sent a registered letter but you did notThe fact of this matter is that I no longer want the car due to mechanical issuesSince you are not willing to release the title, you are still the "legal" owner of the vehicleYou have made this clear in your statementsPlease advise where I can deliver the car for you to take possession of it .

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meThank you
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 the information previously provided to you is accuratePlease allow 30-days for the credit bureau reporting agencies to reflect the update sent on October 14, 2015.Should you have any further questions or require additional assistance, please feel free to contact GM Financial’s Bankruptcy Department at ###-###-####.Sincerely,GM Financial

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11462489, and find that this resolution is satisfactory to me. Please credit the late fees as promised

Here we go again!! I bought out my lease on 8/22/from GM financial accountGM Financial eventually got everything figured out and transferred ownership to meThen on 10/9/15, reported to credit bureaus I was lateThen on 10/11/2015, reported an improved payment statusBoth of these are affecting my credit reportI have been trying desperately to get them removedComplaints with Revdex.com were filed )I talked to your office on 1/29/about how these erroneous entriesYou told me to call gm financial againWhich I did on 1/29/They told me they would have them removed once againWell guess what? Now I'm really upset because NOW they ADDED another IMPROVED payment on 1/30/16????!!!!!! What the heck???!!!! Are these people stupid or what??!!! Do I have to sue them and get an attorney involved? I thought the Revdex.com is supposed to help consumers resolve these issuesTranslateDesired Resolution / OutcomeDesired Resolution:Correction to a credit reportselectDesired Outcome:Please FORCE GM FINANCIAL TO REMOVE NOW ALL THREE ERRONEOUS CREDIT DINGS ON MY CREDIT REPORT!!!! I will NOT ACCEPT ANYTHING AND ANY RESOLVE UNTIL GM FINANCIAL CAN PROVE IN WRITING THAT THEY HAVE DONE SO!!!

June 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 offer the following informationThe contract is a simple interest contract which means interest accrues daily on the unpaid principal balanceThe Total Sale Price shown in the Truth-In-Lending Disclosures on the face of your contract assumes that all payments will be made as scheduledThe actual amount you will pay may be more or less depending on your payment record
In review of the account activity and payment history, more of your monthly payments were applied to accrued interest due to payments being made after the scheduled due datePlease note that throughout the time that the account has been active, six deferments have been processed per your request for the months of February and March of 2007, October and November of 2007, and May and June of Please understand that when a payment is deferred or delinquent, interest still continues to accrue
If you have any further questions or are in need of additional assistance regarding this matter, please contact GM Financial at ***
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because: The following statement: "Our records reflect that you have not been reported to the credit bureaus for any late payments" is inconsistent with (1) statements made by GM Financial employees in phone correspondence and (2) what the credit bureaus currently reflectAttached are PDFs reflecting the status of my GM Account with both Equifax and TransUnionBoth credit bureaus reflect GM financial reporting last on June 16th Further, when I spoke with GM Financial previous to filing complaints the representative on the phone confirmed that it was GM Financial's policy to start and continue negative credit reporting until the issue you had working with the dealership to obtain the paperwork you needed was resolvedShe alleged that this policy was a precaution against the wild possibility that I may somehow still possess the vehicle (despite the fact that the dealership called on multiple occasions, including on the day of turn in, to confirm that they had the vehicle)Ironically, GM Financial customer service representatives acknowledged they had that information from the dealership - but that there were issues with the paperwork between GM Financial and the dealershipAs a matter of fact, it was that conversation that prompted me to file this complaint; because that policy is in violation of my rightsGM Financial reported a missed payment in May and is reporting a worst payment status of 60-DaysI have never missed a payment nor have I ever made a payment late. All payments were made on time; my account was paid up thru April 15thVehicle was remitted to the dealership on March 20thThe nearly month delay for GM Financial and the dealership to effectively work together towards resolution (still unresolved as reflected by attached credit reporting) is unacceptableThe fact that both credit bureaus report late and missed payment and your records allegedly show otherwise is evidence that your "records" are incorrect and/or not in sync with your reporting (and thus your IT system is technically incompetent) or - you are being dishonest; either of which is unsatisfactory.GM Financial may be advised that I have documented this entire episodeAs an active duty military service member I do not have to be represented by a private litigatorCivil penalties for SCRA violations (which this is) are enforced by the U.SDepartment of JusticeCivil penalties are $55,for the first violation and $110,for subsequent violationsThis violation is being actively pursued via routine legal methods (from the Department of Defense) to the Department of Justice.GM Financial's inept policy of negative credit reporting has held my credit hostage and en***gered my security clearanceTo date these issues have not been resolved; (1) My credit reporting is still incorrect, (2) I have not received an official apology from GM Financial, (3) nor has GM Financial made any offers of financial restitution. If these issues are fully resolved I will consider rescinding my complaint (and pursuit thereof) with the Department of Justice.Regards,
*** ***

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.I would also like to add that if there was derogatory information to report, I believe that would have been reported with no problem and if GM financial is making updates to their system, some type of communication should be made with their customers so that we are aware and can make adjustments and arrangements if we need to Just like customers are expected to communicate, the companies should do the same
Regards,
*** ***