Date Received: 2021-05-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This is regarding a car financed though GM Financial. The car was totaled and paid off in 2018. I called GM Financial after I was notified that the insurance and GAP had paid the car off to ask if we owed anything else. The lady said no that everything was taken care of. I thanked them for their help with everything. About 6 months later {$240.00} was put against me on my credit report. I was so outdone with this and I called them to get it straightened out. I asked them why this was put on my credit and they said it was fees that was not collected. I told them that I had asked if I owed anything once the car was paid off and I was told no. I was never late on any of the car payments. If my son wasn't able to pay it I always paid the payments. My credit is precious to me and I try my best to protect it at all cost. I paid XXXX XXXX to clear this up for me and after many attempts of trying they told me to contact you. They were able to convince one of the credit bureaus that this was not owed and they fixed it on their end. However, one of them did not fix anything and It's hurting my credit so much. Every-time I get my score back up they put it back on there again and my credit report takes a huge dip. If I truly thought that I owed this I would have paid it a long time ago. Please help me with this matter.
Company Response:
State: TX
Zip: 75098
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-20
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: GM Financial is not allowing me to pay extra payment towards my principal balance to pay off my loan early. The loan terms are very confusing and misleading when I purchased the vehicle. There is no way with the current terms of this loan to pay or reduce interest payments or amount.
Company Response:
State: TX
Zip: 77080
Submitted Via: Web
Date Sent: 2021-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-19
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: Gm Financial states lien release letter was sent XX/XX/21. It was never recieved. Ask for them to resend and they direct to a website to charge me {$23.00} for a replacement on a letter I have never recieved.
Company Response:
State: IA
Zip: 52722
Submitted Via: Web
Date Sent: 2021-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-19
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: GM Financial, had not provided me with a billing statement since XXXX XXXX.. For an auto loan. Ive been lied to multiple times by the employees on phone. I been promised billing statements, they said via email, but I dont get one. Ive been battling this corporation for a year.
Company Response:
State: MN
Zip: 55423
Submitted Via: Web
Date Sent: 2021-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-17
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have been paying my car payment through billpay. The checks have been sent out and not returned. The account number is on the checks. However, I keep getting calls saying that I haven't paid my car payment and its going against my credit. I'm doing my part but I have no control over how GM Financial does things.
Company Response:
State: FL
Zip: 32817
Submitted Via: Web
Date Sent: 2021-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-08
Issue: Problems at the end of the loan or lease
Subissue: Excess mileage, damage, or wear fees, or other problem after the lease is finished
Consumer Complaint: Hi AMERICREDIT/GM FINANCIAL ; and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Company Response:
State: MA
Zip: 02119
Submitted Via: Web
Date Sent: 2021-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have received a copy of my credit report and it shows company GM FINANCIAL account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$12000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Company Response:
State: NC
Zip: 27284
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have received a copy of my credit report and it shows company GM FINANCIAL account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$14000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Company Response:
State: NC
Zip: 27284
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have an auto loan with GM FINANCIAL, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called GM FINANCIAL and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and GM FINANCIAL with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never late.
Company Response:
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A