GM Financial

I do hope you find a way to close the loop that allows customer requests for documentation to remain unfulfilled again, and again, and again

September 23,
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
Please provide GM Financial with your current address, once this information is received the title will be released
Should you have any further questions or require additional assistance regarding this matter, please contact Customer Service directly at ###-###-####
Hours of Operation:
Monday through Thursday, 7:a.mto 8:p.mCT
Friday, 7:a.mto 7:p.mCT
Saturday, 7:a.mto 4:p.mCT
Sincerely,
GM Financial

What's been stated by GM Financial about the specifics of my lease agreement terms are not in dispute and is the same exact response I've received following numerous other calls, emails, etcto the company...which directly avoids my point of contentionGM Financial showed a balance of $until we went to pay our April payment at which point it was then showing months dueWe immediately made payment at that timeGM Financial's failure to maintain and implement it's website, as other customers have complained about on this Revdex.com forum, was the direct cause of my payment being credited days past the day markWhat's most troubling after reaching out to the company numerous times regarding my frustrations, is their failure to acknowledge fault or take steps to correct this customer service error which is the actual violation of the Fair Credit Reporting ActHiding behind dates and not acknowledging a system that a customer has informed them was misleading, flies in the face of the fairness that the Act was intended to upholdI'm asking GM Financial to consider the entirety of the circumstances surrounding this March/April payment when determining if a late payment was indeed made as they are required to do under the FCRA.Regards,
*** ***

Complaint: ***I am rejecting this response because: I would like to see proof of that GM Financial sent the required letters to my address of recordAlso, I would like to know the exact address they "sent" the required notices toThey did not state what address it was sent toIf they did not send it to an adress I authorized communication from or the original address on fileThen they did not fulfill their duties and they're collection activities are illegalPlease also provide proof that I authorized any adress changes. Please also note: if this matter isn't handled correctly and legally within the next daysI will take legal action against GM FinancialI am an attorney and I have researched the law very carefully on this matter and GM Financial is in violation of the law. Please se take this matter seriously. 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 provide the following information
Please be advised, your
GM Financial account ending in *** has been corrected and reflects the payment made on January 8, in the amount of $and was applied towards your monthly payment due for January 1, Your account is currently due for March 1,
As of the date of this letter, GM Financial determined there are no credit marks or late fees on the account
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

September 29, 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 Tell us why here

August 12,
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 full GM Financial account number or social security numberUpon receipt of this information I will research this matter
Sincerely,
GM Financial

Thank you for the correspondence sent to the Revdex.com (”Revdex.com”)I have reviewed your concerns and would like to offer the following information. The address of record for the account will always be the garaging address for the vehicle; however, our records reflect that the PO
Box address is reflected as your Billing Address Please note that after choosing your payment option online, either ACH or ATM/Debit Card, you are able to edit all fields under the Account Information section of the payment with the exception the GM Financial Account Number. The editable fields include:First Name, Last NameAccount Address Line or PO Box NumberCity, State, ZipPhone NumberEmail Address Under the Payment Information section you may edit the following fields:Payment DatePay Other Amount We apologize for the miscommunication; however, should you have any further questions or require additional assistance, please feel free to contact GM Financial Lease Servicing at 1(800)369-5212. 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 10,
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
Upon review of the account, our records indicate on June 16, 2018, the GAP proceeds received from First Colonial Insurance Company in the amount of $5,793.89, were applied to your account with the effective date as the date of lossA refund request has been requested and completedA check in the amount of $was issued to the address of record on July 6,
We apologize for the poor level of service you feel you have receivedGM Financial takes all complaints seriously and we appreciate you bringing this matter to our attentionPlease 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 please contact GM Financial at ###-###-####
Sincerely,
GM Financial

January 4,
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

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

June 18,
Re: Complaint ID: ***
*** J ***
Dear *** ***,
Thank you for the correspondence sent to the Revdex.com. We have reviewed your concerns and would like to offer the following information
Our records
reflect that you spoke to a GM Financial representative on April 10, in regards to your account. In an effort to assist, a deferment was offered for the months of March and April 2018; however, the pending deferments were voided due to non-payment of the deferment fees as agreed to be paid on April 13, 2018. Please note, our records show numerous attempts were made in effort to contact you regarding the status of your account
A review of your account reflects that a payment in the amount of $was received by GM Financial on May 11, 2018; however, this payment was returned to GM Financial by your bank as “Unauthorized” on May 23, 2018. Further review of our records reflects on May 14, the decision was made to place the vehicle out for repossession, as allowed by your contract At this time the account was over days past due
GM Financial funded the purchase of this vehicle in good faith that all contractual repayment obligations would be honored. Repossession is always unfortunate; however, at this time, we are unable to oblige your request for collateral compensation
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:I have spoke to my financial institution several times, one time was a conference call with a representative from GM, and the check my bank sent was cashed by GM on Sep I faxed proof of funds to GM over a week ago, and was told be the last representative I spoke with that they do not have access to see if that was receivedI spoke with my bank today and told them GM claims to have refunded the money on Sep 17, and they informed me they have not received any refund from GMThey are in the process of providing me with a formal letter to to provide to GM stating that there was no refund issued
Regards,
*** ***

September 27,
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
Please be advised our records reflect the title for the Volkswagen Jetta was delivered to the address you provided on September 26,
We apologize for any inconvenience this situation may have caused Please be assured that GM Financial gives customer service a high priority and is totally committed to achieving excellenceShould you have any additional questions regarding this matter, please feel free to contact GM Financial directly at ###-###-####
Sincerely,
GM Financial

My contract states 17.25%apr; of payments
Regards,
*** ***

July 16,
Re: Complaint ID: ***
*** ***
Dear Ms***,
Thank you for the correspondence sent to the Revdex.com We have reviewed your concerns and would like to offer the following information
On August 21, 2012, you
signed a Retail Installment Contract and Security Agreement for the Mercury Mountaineer in the amount of $19,at an interest rate of 20.99% The contract terms you agreed upon, state the loan would be repaid in monthly installments in the amount of $per month, beginning September 21, This is a simple interest contract which means interest accrues daily on the unpaid principal balance The Total Sale Price shown in the Truth-In-Lending Disclosures on the face of your contract assumes that all payments will be made as scheduled The 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 date, due date changes and deferments that were processed at your request Please note that throughout the time that the account has been active, eight deferments were processed per your request for the months of November and December of 2013, July and August of 2014, September and October of and June and July of Please understand that when a payment is deferred or delinquent, interest still continues to accrue After thoroughly researching your account payment record it has been determined that all payments have been applied in accordance with the terms and conditions of your contract
For your review we have mailed a copy of your contract and account payment history Should you have any further questions or require additional assistance with regard to this matter, please contact Customer Service directly at ###-###-####
Sincerely,
GM Financial

Complaint: ***
I am rejecting this response because: The situation at hand is not resolved, but here is my account number requested in the meantime: ***
Regards,
*** ***

Complaint: ***
I am rejecting this response because: I have not received lien release or title to my car in the mail yetOnce they both are received I will accept responseI still believe an investigation into GM/Americredit's practice of not sending proper releases and clear titles to consumers in the first place is still warrantedI believe they have set up & run the website www.getmycartitle.com to extract extra unnecessary & illegal fees from consumersIt was their first response to me when I called & told them I was paying vehicle off a few months early back in & made sure they had my correct current mailing address (is same now still) to mail clear title toThey told me I was going to have to go through www.getmycartitle.com & pay extra fees before even receiving final paymentIs their ownership & use of that website to gain extra fees legal?
Regards,
*** ***

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information.On December 22, 2014, you signed a Retail Installment Sale Contract (“Contract”) for a Ford Explorer in the amount of $26,at an interest
rate of 15.99%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning on February 5, The contract is a simple interest contract which means interest accrues daily on the unpaid principal balance.Please note that GM Financial places a high priority on adhering to all state and federal lawsThe state of Washington does not require a cure period or notice of repossession be mailed prior to repossessionOn November 2, 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 August 5, 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 laws.Our records reflect that the last payment received was on July 20, in the amount of $2,for the reinstatement of the vehicle due to the repossession that occurred on July 13, This payment paid the monthly installment due dates of April 5, 2015, May 5, 2015, June 5, 2015, and July 5, This payment also paid the late fee balance owed at that time in the amount of $and the repossession fee in the amount of $Effective January 1, 2015, a change in the Department of Defense’s Financial Management Regulation prohibits service members from allotting pay to buy, lease or rent personal property including vehicles, such as automobiles, motorcycles, and boatsTherefore, you will need to contact DFAS regarding the allotted funds you state were intended for the monthly installments as GM Financial has not received any disbursementsOur records further reflect that you are set up to receive the monthly billing statement via e-billing and by mailDue to the status of the account, you may have been blocked via MyAccount and would have been unable to access the billing statement e-mailed as an attachmentOur records also reflect that these billing statements were also mailed to your address of record and accurately reflected the status of your GM Financial accountPlease be advised that the repossession company is an independent contractor and is licensed as suchAny claims against their company, like those regarding damages that may have occurred during towing, will need to be addressed directly with their company and/or licensing authority. The current amount required to reinstate the vehicle is $3,and is good through November 23, On November 4, you were advised of the reinstatement instructionsShould you have any further questions or require additional assistance, please contact GM Financial at ###-###-####.Included for your records are copies of your contract, account payment history, and all billing statements mailed to your address of record since the reinstatement of the vehicle in July of 2015.Sincerely,GM Financial