GM Financial

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
Per your lease agreement a payment of $is due on the 14th of each monthWe received a payment in the amount of $on June 27, 2016, at that time the account was only days past dueGM Financial reports to the credit bureaus when the past due balance becomes more than days delinquentYour MyAccount profile will not reflect a balance until it becomes dueLate fees are assessed when a payment is not received within days of the date it is dueOur records reflect that there no late charges assessed or a credit mark on the account at the time
We apologize for the poor level of service you feel you have received 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
Copies of your payment history will be mailed to you address separately
If you have any further questions or are in need of additional assistance regarding this matter, please contact GM Financial at ###-###-####
Sincerely,
GM Financial

Thank you for forwarding the correspondence to the Revdex.comI have reviewed your concerns regarding credit bureau reporting and would like to offer you the following information
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
Please feel free to contact our Customer Service department with any further questions at ***
Sincerely,
GM Financial

March 23,
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
Our records reflect the account was reported in December of for the November paymentYour payment was due on November 14, GM Financial received a payment in the amount of $on October 31, $of that payment went towards your November 14, due dateAn additional payment was made to complete the November payment on December 18, in the amount of $$was applied towards the remaining November 14, payment due date
An update was submitted to the credit bureau reporting agencies on March 23, to reflect the most current informationPlease 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 ###-###-####
Sincerely,
GM Financial

May 29,
Re: Complaint ID: ***
*** K***
Dear Ms***,
Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to provide the following information
Upon further review of the account, our records reflect that on April 10, we also spoke with and informed you that we were able to refund $of the $payment that was made on February 27, The difference of $was applied towards your March installment due datePlease be aware, your account is currently past due for a total amount of $492.14; this includes the April and May installment due dates as well as late fees in the amount of $
Should 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 offer the following information
Please be advised GM Financial has not changed its position regarding the status of your accountDue to your contractual obligation a deficiency balance still remains on the accountPlease understand that the title cannot be released until the deficiency balance has been satisfied If you would like to make arrangements regarding this balance please 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,
*** ***

Complaint: ***
I am rejecting this response because: Due to the extreme negligence of this company and their reporting practice I am no longer qualified to purchase my homeThis is a direct result of the removal and subsequent readd of the account on my credit report. I respectfully requested at least one month of payments waived so I can save enough for a security deposit on a place to live, but have been met with aggressive and rude operatorsYou'd think a company that ruined my life would be more willing to help over their profit margin
Regards,
*** ***

Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following informationOn March 31, 2014, you entered into a Retail Installment Sale Contract (“Contract”) with Tropical Chevrolet for the Chevrolet
SonicGM Financial employees were not present at Tropical Chevrolet (“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 FinancialPer your contract, the annual percentage rate may have been negotiable with the seller at the time of purchaseIn connection with the finance charge of $9146.66, you promised to pay the amount financed of $27,which resulted in a total of payments of $36,398.16, 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 daily on the unpaid portion of the Amount FinancedThe Federal Truth-In-Lending Disclosure states that by 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 9.90% in installments of $Throughout the time that the account has been active, four deferments have been processed per your request for the months of April and May of 2015, December of 2015, and January of Further review of the account activity and payment history reflects that additional interest has assessed due to payments being made after the scheduled due date and during time of payment deferralAll payments have been applied in accordance with the terms and conditions of the contractPlease be advised GM Financial bases its credit decision on the consumers’ credit file obtained from the credit reporting agencies at the time of application, income, expenses and the cost of the collateralAfter thoroughly researching your account and application for credit, GM Financial has been unable to determine that anything outside of the credit process occurredGM Financial is unable to honor your request to revise the ContractAlthough GM Financial does not offer refinancing, customers may choose to refinance their loan with another lender at any timeCopies of your account payment history and contract are being mailed to your address of recordPlease allow 7-business days to receiveShould you have any further questions or require additional assistance with regard to this matter, please contact GM Financial at ###-###-####Sincerely, GM Financial

October 18,
Re: Complaint ID: ***
*** ***
Dear Mr***,
Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following informationOn February 25, 2011,
you signed a Retail Installment Sales Contract (“Contract”) for the Toyota Tundra, in the amount of $23,at an interest rate of 19.20%Within the agreement, you agreed to repay the loan in monthly installments in the amount of $per month, beginning April 11, The contract is a simple interest contract which means interest accrues daily on the unpaid principal balanceIn 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 dateAll payments have been applied in accordance with the terms and conditions of the contract
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, eight deferments have been processed per your request for the months of February and March of 2012, October and November of 2012, August and September of 2013, and May and June of Please understand that when a payment is deferred or delinquent, interest still continues to accrueInformation regarding interest accrual was sent out to the address on file on September 17, and June 13, 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
Please be advised that you may contact the Expired Loans Department once the loan has matured on November 11, to set up further arrangements regarding the remaining balance
For your review are copies of your Account Payment History and ContractShould you have any further questions or require additional assistance with regard to this matter, please contact GM Financial directly at (***
Sincerely,
GM Financial

February 5, RE: Complaint ID: *** *** *** Dear Ms***: Thank you for forwarding the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following
information Please note that our system of record indicates that your account did not report delinquent to the credit agencies for the January payment dueThis payment was due on January 1, and was posted to your account on January 8, 2018, therefore your credit report was not impacted GM Financial has made some long-planned system enhancements that will help us provide an overall better customer experienceWe sincerely apologize for any inconvenience you have experienced regarding this matter Please contact our office at 1-***-***-*** should you have further questions or concerns Sincerely, GM Financial

January 23,
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
reflect that recurring payments were set up online via MyAccount using Western Union SpeedPay beginning June 26, The payment draft date agreed to was the 26th of each monthThe last payment drafted within this plan was October 26, This type of payment is customer driven, initiated and authorizedPlease note that emails are sent to the email on file with the plan details, and the schedule can be viewed online when it is active
Please be advised numerous efforts were made to contact you with regard to the status of the accountUpon review of the account, GM Financial determined there is no credit mark on the account for November of Please be advised a subpoena is required for all GM Financial’s internal records
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
If you have any questions or require additional assistance please contact GM Financial at (800)369-
Sincerely,
GM Financial

August 10,
Re: Complaint ID: ***
*** ***
Dear Mr***,
Thank you for the additional correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
A refund has been requested and is being processedA check in the amount of $will be sent via overnight mail to the *** *** *** ***Please allow to business days from the time the check is issued for it to be received
Should you have any further questions or require additional assistance, please feel free to contact Lease Customer Service at ###-###-####
Sincerely,
GM Financial

Revdex.com:Please provide this information to the business as requestedThe account number for our old account in question is ***.Our current account is ***.The last four of my social is *** and of my wife who is also on the title is ***If you require additional information, please let me know. Just as a recap, I am disputing the $that was deducted from me after I requested a stop payment because the car had been deemed a total loss prior to the date the payment was taken. The insurance company was willing to pay 100% of the remaining balance on the car and they were quoted at a payoff that was several hundred dollars different from the one I had been quoted at. Which it would appear to me that my quote was without factoring in my payment and with the quote they were provided it accounted for the payment that I requested to be cancelled as the insurance company would be paying the remainder and I could then apply the $towards a new lease through GM Financial. Furthermore, I am disputing the $over-payment that was made in when we leased the car in question. We were trading in a vehicle that was financed through Capital One Auto Finance. At the time, we sent a sizeable insurance check to Capital One to be put towards the remaining balance on the loan and we then financed the remaining negative equity through GM Financial. The negative equity that we financed was about $more than what was owed on the car as we found out several weeks later. Capital One insisted that they sent the remaining balance back to GM Financial since that is where the check originated. I contacted GM Financial numerous times after that and was told that any over-payment would be applied to the payoff/final month lease on the loan. To this day, I never received any documentation showing that the $was applied back to the lease and since the car was total loss, I have since not been able to get any clear information from anyone on whether the $was applied. As far as I can tell, the $was never taken into consideration and there was and continues to be an over-payment on the carAs someone who currently has a GM Financial Lease and is currently in the market for a lease on a truck through the same dealer and GM Financial, I hope that this can be resolved so that I can then apply a refund to a new lease. I have made several attempts to get answers from GM Financial Customer Service and been unable to get any clarification on any of these issues. In several instances, I was told I needed to be transferred to a different department and each time during the transfer process I was disconnected which left me no choice but to proceed with this complaint
Regards,
*** ***

January 8,
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

December 29,
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
As a courtesy, GM
Financial waived $*** in late fees in efforts to resolve this matterAs of the date of this letter a deficiency balance is still owed on the Lease in the amount of $***
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
Should you have any further questions or require additional assistance with regard to this matter, please contact Lease *** *** *** ** ***
Sincerely,
GM Financial

Revdex.com:
My social security number is ***
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 correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information Please be advised GM Financial does not offer a grace period, as per your contract, a late fee is assessed for any payments not received
within ten days of the date it is due. Please note as a courtesy GM Financial has waived the $in late fees that assessed on your accountThis information will appear on your next billing statement Included for your review is a copy of your retail installment contractShould you have any further questions or require additional assistance with regard to this matter, please contact GM Financial at ###-###-#### Sincerely, GM Financial

March 6,
RE: Complaint ID: ***
*** ***
Dear Mr***:
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

Complaint: ***
I am rejecting this response because: I am providing the identifying information, per GM Financial. Account #*** GMC Acadia
Regards,
*** ***

Thank you for the correspondence sent to the Revdex.comI have reviewed your concerns and would like to offer the following information
I would like to apologize for the poor level of service you feel that you have receivedPlease be assured that GM Financial gives customer service
a high priority and is totally committed to achieving excellence
A refund has been requested and is being processedA check in the amount of $will be sent via overnight mail to the address of record in the next couple of daysPlease allow to business days from the time the check is issued for it to be received
Should you have any additional questions regarding this matter please feel free to contact Lease Customer Service at ###-###-####
Sincerely,
GM Financial