Date Received: 2020-10-07
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Received a phone call claiming to be GM Financial alleging I owed {$120.00}? I experienced a total loss of my vehicle and had been told my insurance settled. All payments were made timely on my loan. I asked for an explanation was was told the caller did not have that information? I was uncomfortable giving any payment information over the phone, and indicated, if true I would absolutely pay if they could send me the information in writing. I have never received any written communication from GM Financial. I received at least 3 additional calls and continued to request documentation and was assured that I would have 30 days to resolved from the time I received there communication. I still have received no documentation explaining why I owe this amount, and have now learned they reported me to the credit bureaus and my credit score has dropped XXXX points? I talked with GM Financial today and was told the amount is the difference between what my insurance payed in the final payout. If I knew this earlier I would have paid the amount. As a result of what I learned today I paid this over the phone. I find it unethical to hurt my credit score without receiving documentation of this situation as I requested and was told I would receive. Today I ask for their assistance in correcting my credit score they indicated I would have to file a dispute with the credit bureaus. This seems wrong since they reported me to the credit bureaus? Again, I find this unacceptable as they did not comply with my request and their acknowledgement that they would send documentation.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2020-10-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-01
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XXXX keeps outdated account. Ive sent several letters Requesting the removal and the account remains on my credit report. The results of their most recent investigation also concluded the account was old and outdated yet it still remains on my report. See attached.
Company Response:
State: AZ
Zip: 85635
Submitted Via: Web
Date Sent: 2020-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I completed the lease term on my XXXX XXXX this XXXX. I have NEVER been late and I settled my end of lease commitments and I closed out my account with a XXXX balance. In XXXX, I received a {$30.00} bill from GMC Financial. I called GMC Financial and they said it was an error and to disregard it. I had XXXX balance. In XXXX, I received an alert from my XXXX XXXX monitoring with a 30 day derogatory on my credit report. I call GMC Financial again and they said they would correct it. There were notes in the system from my previous calls already. They said they would fax me a letter to confirm and they never did. Again, in XXXX, I received another alert saying I was 60 days late for {$30.00} to XXXX XXXX. I called them again and they confirmed the notes in the system and agreed they were correcting the matter. They said they would fax me a letter and again, they never did. I've called and complained two more times after and finally I received a faxed letter saying I have never been late. See Attached. Yesterday, I was denied a my new lease vehicle because of the incorrect late payments reported by GMC Financial. GMC Financial ruined my credit and the ability to buy a new vehicle. The new leasing company is requiring XXXX down payment as a result of these recent late payments. GMC financial has affected my financial livelihood with their negligence and poor customer service. This is disheartening.
Company Response:
State: CA
Zip: 911XX
Submitted Via: Web
Date Sent: 2020-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: General Motors Leasing Company reported derogatory information on my credit report to the following bureaus : XXXX, XXXX, and XXXX. The information reported was late-payment for the month of XXXX. Ms. XXXX, the consumer, experienced a hardship due to an erroneous mistake from the IRS in the month of XXXX, whereas, the consumer 's account was locked by the XXXX XXXX XXXX XXXX XXXX : in this case, payment was not able to be processed. For the month of XXXX, the consumer requested a deferment due to the Pandemic and hardship faced. In the month of XXXX, the consumer did her best to make a payment, at which, GM allocated that payment for the month of XXXX. The consumer returned to work during at 40 % on Phase II on XX/XX/2020. GM reported that payment 30-days late ; after knowing, the current situation-at-hand dealing with the Pandemic and tough financial decision. The consumer has leased two cars from GM and has never been late! This is the first-time! The consumer was able to re-finance the car with her credit union at a lower-rate ; and, the balance owed on the account was paid-in-full on XXXX, XXXX. GM never considered the consumer 's financial-hardship for the month of XXXX, and, refused to take into consideration, the consumer 's commitment in leasing two-cars for the past six-years ; and has never been late! The consumer 's FICO score was decreased by 100-points! In addition, the consumer takes her credit-score very seriously ; and has been on-point with paying on time for the past three-years. Having this derogatory information removed with fairness and non-judgemental, will allowed the consumer to feel secure knowing, that GM has the consumer 's best interest at heart and, that her secret-clearance will not be severed by GM 's determination to not attempting to remove negative information on my credit-report during a hardship and devastating time due to the COVid-19 Pandemic.
Company Response:
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2020-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Americredit pulled my credit without authorization on XX/XX/2020. As a result there is a hard inquiry on my XXXX credit report negatively impacting my credit score, which will remain there for two years unless they provide a " deletion letter ''. The company was contacted by phone when the issue was discovered. I was told they had no record of accessing the credit report and agreed to provide the letter of deletion. The letter was never received. Several follow up attempts, including an email sent on XX/XX/2020 have been disregarded. I have no other recourse or way to remove this inquiry from my credit report. Only they can rectify their error and they refuse to do so resulting in my hardship.
Company Response:
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2020-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-30
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: This is for GM Financial. I am unable to make a payment towards my principal without calling in and typically waiting on hold for over 30min. I have tried all other option chat, text, and the online portal. When I call in they say there is no way for me to make all other payments besides my auto pay go directly towards the principal. The only option they offer is to call after I make a payment and tell them it should go towards the principal.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-29
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: XX/XX/XXXX Filed for bankruptcy in Texas. Automatic stay in place GM Financial website stated We are aware of you Bankruptcy. We are not collecting any payments but you can make a payment if you choose. XX/XX/XXXX Bankruptcy discharged. Went to start making payments with GM Financial, website still said the same as above. Payments were made on XX/XX/XXXX and XX/XX/XXXX as I could afford them. Both were for {$200.00}. The website still stated that they were not collecting payments. XX/XX/XXXX Received a phone call from GM Financial stating that payment was due. I told them that the website said that payments were not being collected. He stated that this was an issue with one department not talking to the other and that the website statement was an error. Nothing was said that I was behind on payments or that there were late charges. At this point, I started making regular payments after this call. XX/XX/XXXX I started to receive phone calls from GM stating that my account was past due. I asked how that was possible and why didnt I receive a statement for the past year. They stated it was a system issue. My payment also did not show applied and they said it was applied to last year, when they stated that I did not have to make payments. XX/XX/XXXX In writing, I requested that they not call. They called 10 times after that until they finally stopped. Three times they acknowledged that I asked not to be called but stated that they did not have to honor that. Basically, I did what GM Financial said to do. They were not collecting payments. At no point did they say that the payments would be applied to the earliest missed payments. By doing this, they violated the automatic stay on the account that was allowed by the bankruptcy court. I made payments totaling {$3200.00}, GM Financial only applied {$1600.00} per their records.
Company Response:
State: GA
Zip: 30101
Submitted Via: Web
Date Sent: 2020-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-28
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 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: 02780
Submitted Via: Web
Date Sent: 2020-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-26
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: In XX/XX/XXXX, I was put in a hardship do to my son being in the hospital and I had to be put out of work. In XXXX I asked for my payments to put in deferment due to the hardship. GM said that my loan account could not be deferred due to it being a lease and because of that my late payment is XXXX it caused all the late payments from XX/XX/XXXX to XX/XX/XXXX. I finished the loan agreement in XXXX and returned the property back
Company Response:
State: PA
Zip: 19140
Submitted Via: Web
Date Sent: 2020-09-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: GM Financial has reported myself as charge-off account, despite my numerous requests for negotiation and proof on the debt. This is happening during the covid19 pandemic and GM financial refuses to abide by gov't direction to work with impacted consumers. GM Financial has reported my account 120 days late in XX/XX/2020, no prior notices or 30, 60, 90 days late process ( jumped directly to 120 days, with no notice or consumer notification to allow me time to address in correct legal fashion as per FCRA, FCCA. GM Financial continues to violate/damage my credit standing in an attempt to force there agenda of aggressive actions, and force me to bend to there demands and tactics. How can GM Financial continue to not follow prescribed US govt directions during these troubled Covid19 times?? Where is the help to impacted consumers? where is the corporate humanity? .
Company Response:
State: NC
Zip: 28173
Submitted Via: Web
Date Sent: 2020-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A