Date Received: 2024-01-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: A late payment is showing in my credit reports from XXXX, 1 late payment. I was XXXX with XXXX and was XXXX from work. I missed 3 weeks of work and was able to make that payment for that month. Its now XXXX and I have no other issues with the company or late payments on the account. The REFUSE to assist me on this matter.
Company Response:
State: FL
Zip: 32818
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I sent a registered security to GM Financial XXXX loan 's indenture trustee on XX/XX/ to process for payment for account number XXXX and also per the electronic transfers act to remit my interest coupon dividends to my account listed in an instruction letter. I have yet to see an update on my account reflecting my payment by way of a registered security. Nor have they sent the security back to me if they did not accept it which proves they either accepted the registered security or they mutilated it which are also terms for discharge in Article iv of there XXXX SEC filing. ARTICLE IV SATISFACTION AND DISCHARGE SECTION 4.1. Satisfaction and Discharge of the Indenture. This Indenture shall cease to be of further effect with respect to the Notes except as to ( a ) rights of registration of transfer and exchange, ( b ) substitution of mutilated, destroyed, lost or stolen Notes, ( c ) rights of Noteholders to receive payments of principal thereof and interest thereon, ( d ) Sections 3.3, 3.4, 3.5, 3.8, 3.12, 3.13, 3.14, 3.17, 3.23, and 3.25, ( e ) the rights, obligations and immunities of the XXXX Indenture Trustee hereunder ( including the rights of the Indenture Trustee under Section 6.6 and the obligations of the Indenture Trustee under Section 4.2 ). and ( f ) the rights of Noteholders as beneficiaries hereof with respect to the property so deposited into the Accounts payable to all or any of them, and the Indenture Trustee, on demand of and at the expense of the Issuer, shall execute proper instruments acknowledging satisfaction and discharge of this Indenture with respect to the Notes, when : ( i ) All Notes theretofore authenticated and delivered ( other than ( A ) Notes that have been destroyed, lost or stolen and that have been replaced or paid as provided in Section 2.5, and ( B ) Notes for whose payment money has theretofore been deposited in trust or segregated and held in trust by the Issuer and thereafter repaid to the Issuer or discharged from such trust, as provided in Section 3.3 ) have been delivered to the Indenture Trustee for cancellation ; ( ii ) The Issuer has paid or caused to be paid all Issuer Obligations ; and ( iii ) the Issuer has delivered to the Indenture Trustee and the Noteholders an Officers Certificate and Opinion of Counsel and if required by the XXXX or the Indenture Trustee an Independent Certificate from a firm of certified public XXXX, each stating that all conditions precedent herein provided for relating to the satisfaction and discharge of this Indenture have been complied with. SECTION 4.2. Application of Trust Money. All moneys deposited into the Accounts pursuant to Section 4.1 shall be caused to be held in trust and applied by the Indenture Trustee, in accordance with the provisions of the Notes and this Indenture, to the payment to the Noteholders of the particular Notes for the payment or redemption of which such moneys have been deposited into the Accounts, of all sums due and to become due thereon for principal and interest ; provided, that such moneys need not be segregated from other funds except to the extent required herein or in the XXXX Servicing Agreement or required by law. To conclude if they do not discharge after receiving my registered security I will file a complaint through the SEC for securities fraud.
Company Response:
State: OH
Zip: 445XX
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to file a formal complaint against the following companies for what I believe to be a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am seeking your assistance in investigating and addressing this matter. Under the FCRA, specifically 15 USC 1681 Section 602, I am entitled to privacy concerning my credit information. I have reason to believe that this creditor has violated this right by disclosing my credit information without proper authorization. Furthermore, in accordance with 15 USC 1681 Section 604 ( a ), Section 2, a creditor is prohibited from furnishing information regarding my account without obtaining my written permission. I have not provided written permission to this creditor for the disclosure of my credit information, and I believe they have acted in violation of this provision. Additionally, I would like to draw attention to 15 USCS 1666b, which states that a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose. This creditor has incorrectly reported a late payment, I request an investigation into this matter. I kindly request that the Consumer Financial Protection Bureau investigate this complaint and take appropriate action against them if it is determined that they have violated the FCRA. I also request that any inaccuracies in my credit report resulting from this violation be corrected promptly. Thank you for your prompt attention to this matter.
Company Response:
State: NM
Zip: 88220
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to file a formal complaint against the following companies for what I believe to be a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am seeking your assistance in investigating and addressing this matter. Under the FCRA, specifically 15 USC 1681 Section 602, I am entitled to privacy concerning my credit information. I have reason to believe that this creditor has violated this right by disclosing my credit information without proper authorization. Furthermore, in accordance with 15 USC 1681 Section 604 ( a ), Section 2, a creditor is prohibited from furnishing information regarding my account without obtaining my written permission. I have not provided written permission to this creditor for the disclosure of my credit information, and I believe they have acted in violation of this provision. Additionally, I would like to draw attention to 15 USCS 1666b, which states that a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose. This creditor has incorrectly reported a late payment, I request an investigation into this matter. I kindly request that the Consumer Financial Protection Bureau investigate this complaint and take appropriate action against them if it is determined that they have violated the FCRA. I also request that any inaccuracies in my credit report resulting from this violation be corrected promptly. Thank you for your prompt attention to this matter.
Company Response:
State: NM
Zip: 88220
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Repossession
Subissue: Deficiency balance after repossession
Consumer Complaint: I was never provided given a repossession warning letter, nor a ( redemption notice ) which is required to be provided to me by law. My vehicle was sold in an auction within 7 days from being taken. GM financial continues to report false and or inaccurate information to XXXX, XXXX and XXXX XXXX credit bureaus. XXXX shows {$28000.00} as the original loan balance and {$29000.00} written off amount with a balance owed of {$9800.00}. Payments that I made while the vehicle was in my possession is not even listed or deducted from the original balance at all. The information being reported to the credit bureaus is false and inaccurate therefore its illegal and a direct violation of my rights. Please remove this inaccurate account off my credit report and I will like to be compensated for being violated by GM Financial.
Company Response:
State: MI
Zip: 48219
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states. '' It is the policy of the Congress that each financial Institution has an obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers non public personal information. The financial institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX whether it be verbal, non verbal, written, implied or otherwise is revoked. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Company Response:
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: They reported that I was late paying them for XXXX. The payment is due on the XXXX I got my bill on the XXXX of the month thats when I sent it back to them they cash the check on the XXXX. The lady I talk today side they didnt send the later charges in but it show up on my Credit report. And she said that they dont send that and till it 30 days late. I not 30 days late. So would youll please take that off my credit report
Company Response:
State: LA
Zip: 70301
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: GM Financial is reporting to the credit bureaus that repossession of XXXX XXXX XXXX took place XX/XX/XXXX. The XXXX XXXX XXXX was repossessed XX/XX/XXXX ; one ( 1 ) missed payment. GM Financial reported to Consumer Financial Protection Bureau in a previous dispute repossession occurred repossession occurred XX/XX/XXXX. I request GM Financial delete this account or correct this inaccurate information provided to credit bureaus.
Company Response:
State: OK
Zip: 741XX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/, XXXX XXXX XXXX put my XXXX XXXX account into collections. They put it into collections because XXXX XXXX was in a company corporate name that wasn't personally guaranteed. This account never belonged on my credit in the first place. They took my consumer information and placed it on my credit report and that's not what should have happened. 16 CFR 313.7 15 usc 6802 Per the FCRA as a federally protected consumer I am now opting out of any and all authorizations I the consumer may have given you written, unwritten, verbally and non verbally per 15 USC 6802 it is effective immediately and indefinitely. Since the debt is now with a third-party collection agency, it has already been charged off. As outlined in XXXX XXXX XXXX, this represents a certificate of indebtedness, which is categorized as income. It's important to note that income is not reportable on my credit report. " If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. '' - XXXX XXXX XXXX
Company Response:
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2024-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I was offered a payoff amount to settle my debt in full. I was informed that I would receive a credit removal letter. GM Financial failed to pay a warrranty and an insurance amount when my car was totalled. Some procedural mistakes was made and I had to pay the full balance of the car when it was destroyed in an accident a XXXX XXXX XXXX. It was over XXXX. Now they have the nerve to report that I did not pay them.
Company Response:
State: CA
Zip: 92551
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A