Date Received: 2020-10-30
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: The company XXXX XXXX finance vehicle through Gm financial and they have been a constant pain to work with they have constantly repossess my vehicle. Maybe possess my car more than needed and Im constantly having to pay large amounts of money to return my vehicle back into my possession and its not fair to me or my family that we currently have a vehicle taken off without any notification that the vehicle was repossessed somewhere the company needs to be made to properly notify consumers that they will be taking a vehicle back into the custody the person that told me I could never do it on your door never even said anything at all just took off with a vehicle and it sounds like they had cross the vehicle in the back and hit it hard. And I didnt know that it was my vehicle being told I thought it was just a sweet street to come in to cleaning up the leaves off the street like they did last week here come to find out my vehicle got towed from a unknown area and theres no reason for it every time we did this I had to call the police and reported it stolen because it wasnt fair to me if they didnt give me five notice that they were going to be taking my vehicle back even though my vehicle was him lease was out XX/XX/XXXX ask you should I had enough time to settle my account with the dealership and would you and financials will be in dealer sales will sit down And the lines were busy and they never did answer the phone so now they had a vehicle back in the position and its still defective and Im trying to see if they can either replace all my money or place me in a different vehicle because theres some food in me that I had to constantly be in the service department for this vehicle all XXXX four years of rent in this vehicle or three years and is continuously defective it constantly has to have repairs I just spent {$400.00} on it before they roof assessed it also made a payment I actually close to {$800.00} on this vehicle so Im trying to trying to see if the dealership or GM financial can return all my money that I have paid in to the XXXX XXXX XXXX because the car had a recall her and it was also defective also feel like they get over on me on the cost of towing and storage they took my vehicle to follow locations and I had to call for a ride to get my vehicle back in my position in the field would not return the vehicle back to me after I have paid all the money and I just I just want them to return my money.
Company Response:
State: WI
Zip: 532XX
Submitted Via: Web
Date Sent: 2020-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: RE : GM Financial Account # XXXX Had a 4 year lease with GM Financial for a XXXX, with perfect payment history and the account set up on Auto-Pay. I have a perfect credit file on all 3 bureaus, and have never missed a payment. Upon return of the leased vehicle, I was not advised of the {$590.00} return fee, and did not receive a bill for the fee. In addition, the account was always on auto-pay, which GM Financial states they remove automatically at lease return. This was also not advised. Received a phone call on XX/XX/XXXX from an outbound agent for XXXX, stating that there is a balance on the account of {$590.00} and explained what it was for. I advised that I would be happy to take care of the payment, and asked if I can schedule it the following week. He did not state that this was past due, nor did he advise of the actual due date. As agreed based on the conversation, I set up the payment on XX/XX/XXXX to be deducted on XX/XX/XXXX. Today XX/XX/XXXX, I received an alert on my XX/XX/XXXXcredit file that GM reported me 30 days late. Thinking it was an error, I immediately called GM Financial. I explained everything noted above, they verified the pending payment, and then I asked them to remove the 30 day late that they reported. After speaking with managers ( ID # XXXX and ID # XXXX ), they told me that its my fault that I did not know they removed me from auto-pay, as well as took no responsibility for their agent on XX/XX/XXXX advising that I could pay when I did. They refused to remove the late off of my XX/XX/XXXXcredit file, which dropped my score from XXXX to XXXX. I am in process of purchasing a home, and this will drop me to tier 2 credit. I need some assistance here, as the business practices of GM are both unfair and deceptive. Thank you in advance for your assistance. XXXX XXXX
Company Response:
State: WA
Zip: 98661
Submitted Via: Web
Date Sent: 2020-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX XXXX XXXX XXXX settled a multi-state law suit in regards to lending practices for car loans provided to consumers between the years of XXXX to XXXX. This settlement affected 34 states including Georgia. Part of that agreement provided relief for consumer who received loans during that period and XXXX XXXX XXXX and its associated companies XXXX XXXX and GM Financial agreed to the following conditions : XXXX will pay {$65.00} XXXX to the 34 participating states for restitution for certain subprime consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX, XXXX is required to allow them to keep their car and waive any loan balance, up to a total value of {$45.00} XXXX in loan forgiveness, and XXXX will also pay up to {$2.00} XXXX for the settlement administrator who will administer restitution claims, and pay an additional {$5.00} XXXX to the states. The settlement also includes significant consumer relief by way of loan forgiveness. In all, XXXX has agreed to waive the deficiency balances for certain defaulted consumers, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by XXXX, and additional deficiency waivers of loans that XXXX no longer owns but is required to attempt to buy back. My home state of Georgia is apart of this settlement and I was notified about the settlement by the Attorney General of my state. I was informed to contact XXXX XXXX XXXX. in regards to the settlement. After contact XXXX, GM Financial, and XXXX XXXX they informed me to that they were not aware of a settlement and if I had a problem it needs to be disputed through the credit bureaus. I filed a dispute with all three bureaus and instead of investigation the issues XXXX and its other companies added additional negative remarks to my accounts which impacted my credit scores which was opposite of what the law suit stated.
Company Response:
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2020-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-27
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: i paid off my lease for my 2018 XXXX XXXX to GM Financial on XX/XX/XXXX. I had auto pay set up. On XX/XX/XXXX they pulled another payment of {$380.00}. On XX/XX/XXXX my wife called the help desk, she was told it would be back in my account within 10 days. On XX/XX/XXXX I called the help desk, I was told at that time it was processed Wednesday XX/XX/XXXX, I should be receiving it within a few days. On XX/XX/XXXX I called the help desk again, I was told at this time, it would need to be mailed out to me by check. It is XX/XX/XXXX. I have not received it. I work for a Bank, when we receive a payoff we terminate the auto pay. I don't understand why an additional payment was taken, and why it is taking so long to return. Also why the different stories when I call inquiring about it.
Company Response:
State: IA
Zip: 508XX
Submitted Via: Web
Date Sent: 2020-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-27
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: Finaced a lease vehicle from GM Financial on XX/XX/XXXX and returned the lease vehicle at the end of the lease on XX/XX/XXXX to XXXX XXXX dealership. All payments has been made per the contract I signed. Contract has ended and all payments was made in full per contract.Gm financial is reporting to the credit bureaus that I have a remaining balance on my account, but all payments has been make per the contract.Gm financial states the balance is for wear and tear and over mileage which I have disupted several times. I also contacted an attorney that stated wear and tear and mileage at the end of a lease could not be considered a part of the contract. only payments not made during the lease contract can be considered as a balance owed at the end of the lease.
Company Response:
State: MI
Zip: 48180
Submitted Via: Web
Date Sent: 2020-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-27
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: We leased a vehicle from GM for a term of 36 months and paid all payments promptly as due. We turned in the vehicle prior to the lease end ( XX/XX/2020 ) to GM. The vehicle was much lower mileage than allowed and it was in outstanding condition. We were told and assumed that our relationship was complete. We got a statement from GM Financial on XX/XX/XXXX, which indicated we owed {$240.00} including {$12.00} Past Due Payment charge. I immediately called GM Financial and offered to pay the invoice, but I asked them to remove the {$19.00} late fee. I called twice, got no offer to remove the late fee and asked to speak to a supervisor. Each time I was placed on hold for over 30 minutes and then hung up on. I also sent a letter explaining and asking the same consideration to GM Financial via fax and email. There was no response. On XX/XX/XXXX we received notice that GM Financial had reported us to the various credit reporting agencies stating that we were delinquent on our a/c. I tried again yesterday ( XX/XX/XXXX ) and today to resolve this matter with GM Financial. I even offered to pay the unwarranted {$12.00} to settle. I asked that they contact the credit reporting agencies to clear the erroneous information. They refused. I know of no further action on my part to resolve this in a satisfactory manner.
Company Response:
State: CA
Zip: 95864
Submitted Via: Web
Date Sent: 2020-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: in XXXX of 2019 i made a vehicle lease payment of XXXX dallors i was XXXX dallors short of making the correct payment and GM financial reported a late payment to my credit report which i want removed becuase i made a payment the information is incorrect
Company Response:
State: NJ
Zip: 08724
Submitted Via: Web
Date Sent: 2020-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-27
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: My XXXX XXXX was financed through GM Financial. According to the lender, I am behind for XXXX, XXXX, and XXXX XXXX payments, with XXXX XXXX being due on XX/XX/XXXX. I was always a customer that paid in a timely manner. It was only when my health began failing and I began accruing medical bills, that I started falling behind in bills. I conveyed this to GMF, I explained that I was travelling back and forth [ from Louisiana ] for care at XXXX XXXX [ in Texas ]. I explained that this required frequent stays of several days so the expense of merely travelling was a hindrance, let alone the medical bills. in XX/XX/XXXX I had XXXX for XXXX XXXX. in XXXX I was diagnosed with XXXX XXXX. Because of the extensive XXXX I still need/needed, I exhausted my FMLA and had to vacate my position I maintained for nine years. The cost to maintain my COBRA insurance is nearly $ XXXX so things are incredibly difficult given that my income on LTD is only 60 % of what I was accustomed to when the vehicle was originally financed. I made a payment of {$140.00} to be applied to XXXX. I then made a full payment for XXXX plus {$6.00}. According to GMF, I made an error and I did NOT receive a deferment for XXXX as I thought I had. It's been incredibly difficult trying to keep track because my treatment alters my cognition and memory. Regardless, my last full payment was made on XXXX. In the past, I have let several agents know that I am paid between the XXXX and the XXXX of the month so that is when they can expect payment. Though I have already given representatives firm promises to pay, I've continued to be contacted. I've been called incessantly. For instance, on XX/XX/XXXX I was called five times between XXXX, leaving three voicemails. While I acknowledge that I should have answered, I am mourning the loss of my partner who was buried on XX/XX/XXXX, struggling with my health, and dealing with a leaking roof, leaking pipes, black mold, and warped flooring all the result of Hurricane Delta. I am absolutely at my wits end! I assumed they were calling to get a promise to pay and I knew that they should have known when I make the payment. I never received a letter stating they were considering repossession, though they claim one was mailed via postal mail on XX/XX/XXXX. I have been having issues receiving my mail and have filed several complaints with the USPS regarding the carrier.. it's for that reason that I opted in for electronic notifications, requesting that I be contacted electronically because it is more secure. I should have been sent something either electronically, or certified so it would require a signature and could be tracked. Additionally, the very day before my car was picked up, I received an email from XXXX XXXX XXXX ( Team Leader, Retail Servicing ), stating that they were " not going to recover [ your ] vehicle at present. '' By the time I received the email, it was too late to contact the company so I planned on doing so on Monday. Instead, my car was picked up at some point Friday night/Saturday. I understand that I was behind on payments and I sincerely apologize - that is not like me - but this is reprehensible that a vehicle could be repossessed without being notified. I don't feel that the repossession fees are justified given the circumstances.
Company Response:
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2020-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: on XXXX XXXX i leased a car from XXXX/ General Motors Financial , for 3 years, i did auto payments of XXXX $ a month, in XX/XX/2020 i noticed from my credit card company that i am late on the payment for 75 days, i was shocked, i new, i have auto payment like all my other payment, i called GM , they said that the auto payments was only for 1 year, and they stopped the payment from XXXX, XXXX and XXXX, 75 days, i never stop the auto payment since i leased the car for 3 years, i never got any letter from them notifying me before XXXX that they stop the auto payment, i was sick at home for 3 months with the corona virus, now i`m having big problem with my credit score, i paid the same day the payments for 3 months and advance payment for next month, i never got any latter from GM say anything about the stopping the auto payment, GM telephone # i called is XXXX XXXX XXXX, account # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX Thank you for your help
Company Response:
State: CA
Zip: 91607
Submitted Via: Web
Date Sent: 2020-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-23
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: My original complaint, XXXX, was about not getting loan information on time to make the 1st payment and GM Financial not responding to my calls. Today I finally received the information from GM Financial, I bought the new truck on XX/XX/2020, and it shows me being a month late already. I sent the 1st payment to the dealer as instructed and my check has cleared my bank. I called GM Financial customer service as soon as I received the letter and all they will say is they don't have it and I must find out how it was sent, when it was sent. This is all information they and the dealer, XXXX XXXX XXXX in XXXX XXXX FL have, not me. As before they have not returned a call to me concerning this problem. Also, I have heard nothing about the first complaint.
Company Response:
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2020-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A