Date Received: 2020-10-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is an inquiry from this company on my credit report that I do not recognize and it is fraud. I contacted them via certified mail and they did not respond and were not able to remove the inquiry from my credit report. The fact that the inquiry is still on my report is a violation of the FCRA Laws and I will pursue a civil suit if necessary. I want this fraudulent information removed immediately.
Company Response:
State: CA
Zip: 95826
Submitted Via: Web
Date Sent: 2020-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/20 we spoke to XXXX XXXX XXXX XXXX about leasing a vehicle. They were give EXPLICIT instruction to forward the request to the XXXX ONLY. XXXX XXXX XXXX XXXX forwarded our application to the following WITHOUT AUTHORIZATION : XXXX XXXX, AmeriCredit, XXXX XXXX XXXX, and XXXX XXXX.
Company Response:
State: WI
Zip: 54449
Submitted Via: Web
Date Sent: 2020-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The debt collection agency that represents GM Financial calls me 2-3 times a day. The agent speaks so quickly that I can not make out the details of her Agent ID # or telephone number in the voicemail. When I call the collection office, they tell me they have no record of my telephone number even though I receive 2-3 calls a day. I have never bought or leased an automobile with GM Financial. I have spoken with two agents at the collections office ; however, neither were able to tell me why I am receiving collection calls from GM Financial. I would like to remedy this situation to see if it is a fraudulent account, but I am receiving no assistance from the office contacting me.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2020-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-13
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 sent a final statement with an unspecified " excess wear fee '' of {$320.00}. The company also imposed a " past due payment '' of {$500.00}, and an " official fee/taxes imposed by government agency '' for {$260.00}. None of these fees were disclosed to me when I returned the car. The representative at the dealership looked over the car and said everything looked " great. '' I was told that I would need to pay an excess mileage fee and and " disposition fee, '' but that everything else was " included in the lease. '' I returned the vehicle on XX/XX/2020, about two weeks before the lease was due. I received the letter in question on XX/XX/2020. The date of the letter was XX/XX/2020, but it says that the payment is due on XX/XX/XXXX. I have no problem paying the excess mileage fee and the disposition fee, as these were the fees that I agreed to when we initially signed the lease. When I returned the vehicle, the salesperson told me that I will only be paying the disposition fee and the excess mileage. I called GM Financial on XXXX XXXX to try and get some answers about why these charges were imposed and what they were for and the representative refused to tell me what the " official fee/taxes imposed by government agency '' for {$260.00} was for. They did not know which taxes fees or governmental agency was collecting these fees. The representative told me that the " past due payment '' of {$500.00} was supposed to be for a payment that the company forgot to deduct from my account. I had the loan set up through automatic deductions and the payments always came out on time, with no late payments. No explanation from the company. I was told that the excess wear fee may be from the tires but they were not sure. I will not pay for something that the creditor refuses to explain. I spoke with customer service and they transferred me to another representative and then disconnected the call.
Company Response:
State: CA
Zip: 94954
Submitted Via: Web
Date Sent: 2020-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Ive reached out to GM Financial many times because they continue to report inaccurate information to the credit bureaus. They have two loans on my credit report dating XX/XX/2011 and XX/XX/2011. Both report the same amount of XXXX as the amount of the loan I took out. This is not true! I did not take out two loans two days apart. I would like to have this removed from my credit report. GM Financial has refused to do so. I really need help with this issue.
Company Response:
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2020-10-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a debt from GM FINANCIAL I cant say this more emphatically, I have never had a GM FINANCIAL account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP
Company Response:
State: NY
Zip: 116XX
Submitted Via: Web
Date Sent: 2020-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-11
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I paid a fee to defer my loan payments for certain months but the company mark them as late payments Company Name is GM Financial
Company Response:
State: NJ
Zip: 07003
Submitted Via: Web
Date Sent: 2020-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was reported over 30 days late on an account for a vehicle I turned in ( and paid off in full ) 3 months ago. GM Financial made no attempt to contact me prior to reporting this. I attempted to contact them and their contact form fails every time. My score has dropped 75 points with all three bureaus because of this.
Company Response:
State: MI
Zip: 48183
Submitted Via: Web
Date Sent: 2020-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This complaint is regarding an egregious situation that is occurring to my wife and I by GM Financial with regards to a XXXX XXXX XXXX and a sequence of events that occurred during our lease return process. I have mailed, by certified mail with return receipt request a very detailed summary of the events that occurred. I am attaching my correspondence from XX/XX/XXXX for your reference, along with the supporting certified mail documentation that proves this letter was received by GM Financial. In summary, I visited my mortgage lender to take advantage of the current historic low interest rates and reduce my current mortgage from XXXX XXXX to XXXX XXXX, a move that represents a substantial savings to my family both in the current monthly payment and the long term finance cost for my mortgage. I was rejected for this mortgage, as GM Financial is reporting several late payments and a past due status on my returned lease. I left his office thoroughly embarrassed and extremely upset. All my life I have been extremely responsible with my credit obligations and I have never missed not one payment. I've always enjoyed XXXX credit scores and the easy access to favorable financing terms this credit score provides. Now, I am facing the possibility of losing out on a savings of tens of thousands of dollars due to this egregious error by GM Financial. As you can see in my correspondence, GM Financial fumbled on three seperate occasion the pre lease return Vehicle Inspection appointment that caused my wife to miss several days of work so that she could be home for this appointment. The inspector was a no call, no show on two separate occasions, and because of this, after much back and forth XXXX whom was presented as the supervisor of the department granted a credit of {$390.00} to cover the disposition fee. I urge you to read the letter from XX/XX/XXXX to understand the context of this situation and how exactly GM financial fumbled the lease return experience. Well, now it seems that this was never documented, ( everything else is documented but conveniently the disposition fee credit is not ). I implore GM Financial to simply LISTEN TO THE RECORDINGS to corroborate my version of the story. They clearly state that calls are being recorded, this is a great time to reach into the recording vault. My detailed notes referenced in the XX/XX/XXXX Correspondence will make it very easy for you to locate the specific call. I have also on numerous occasions informed GM Financial of this, in writing, by phone, etc. I truly thought this was resolved with my XX/XX/XXXX letter but now they are destroying my wife and my credit history that is impeccable for 30+ years. We will not tolerate this any longer and want to make very clear should we miss out on the significant savings of refinancing our home mortgage we will pursue a claim for these damages. Easily, valued at XXXX dollars over the life of a 30 year mortgage.
Company Response:
State: CA
Zip: 93312
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I have been calling GM Financial about this Repossessions on my credit and they keep telling me to disputed it and I do and they do nothing about it.i have called them A few dozen time about my account which is pay in full and I have paperwork stating that I have my truck and a letter from them saying it paid off they will not assist me at all. Im trying to purchase a house and this is really stopping me at this time hurting my credit score. And me and my family is suffering from this because we need this off my credit to move forward please please help us.,
Company Response:
State: TX
Zip: 77396
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A