Date Received: 2020-04-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a late payment showing on my loan when it was not late. The payment for that specific month was to be placed at the end of the loan. This is an eye sore on my car loan as I have had no late payments & my account has been active the entire time in this loan.
Company Response:
State: DE
Zip: 19977
Submitted Via: Web
Date Sent: 2020-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-24
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: The issue is the vehicle was funded with documentation that did NOT come from me but submitted to the Financial Institution, AmeriCredit Financial, per my conversation with XXXX, Supervisor of the Funding Dept., On XX/XX/2020. I was told that they had received XXXX Cable Bill in my name that I do NOT have.I questioned them funding with this documentation from the dealership when they knew from me that, I had no bills in my name. I was told that they received this from the dealership on my behalf. I was in personal transition at the time of the purchase of this vehicle coming out of bankruptcy & dealing with medical complications. My address hasnt been updated on my license from me moving to family members home. I have NO bills at the residence in my name. During this time I was in fact trying to get all my affairs in order & ended up back on medical twice. The funding Dept notified me BEFORE the vehicle was funded stating a deadline for having documentation in to them in order for the deal to go through. Due to me having medical complications at the time, I wasnt able to produce the documentation meeting the deadline & said if I had to return I would once on me feet. I was prepared to return the vehicle once cleared from XXXX XXXX per a voice message left on my voicemail by the Sales Manager XXXX XXXX. He stated that he needed proof of residency by the next day or they needed the vehicle back. I also have medical documentation to prove of my XXXX during this time if need be to handle this case. I was told by the dealership that they would be able to hold it off while I was on XXXX & if they needed documentation from me they would call & let me know. They stated they would work something out to hold off on the deal & potentially work a better deal possibly with more money down, seeing I wasnt satisfied with the vehicle from the initial day. Instead they pushed the deal through anyway without my knowledge. They produced false documentation to get this deal funded. I have never received a welcome letter, phone call or coupon payment book. I was told by the Finance Manager, XXXX, to expect a call from the Funding Department concerning the vehicle. He said they would ask me some questions regarding the agreement & I must answer correctly or it could ruin the deal. I never received that Welcome Call of questioning. However, I began to receive calls from an unknown Texas number with vague information on my voicemail not addressing me. I called the number thinking they have the wrong contact information for someone theyre trying to reach attempting to get my phone number off of their list. I found out that this number was GM Financial whom merged with AmerCredit & they had an account for me now past due from a vehicle that was funded with false documentation in my name, submitted by XXXX XXXX Dealership.I just recently received a statement invoice from GM Financial after making them aware of this issue as well looking for resolve as the Funding Department told me I had to deal with their customer service. They stated they would look into it & contact me back as well. I suppose sending me a statement for the first time was them contacting me back, still no acknowledgment of the issue for resolution. I DO NOT want the deal/vehicle. I want this off of my credit & they can have their falsified deal/vehicle back. I am longer interested in a better deal with them behind this. They have lied & violated any trust being established to do business with them. I have reached out to them for resolve to no avail. I am now concerned of this affecting my credit of which Im trying to re-establish.
Company Response:
State: MI
Zip: 48076
Submitted Via: Web
Date Sent: 2020-04-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-24
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: I CALLED, AND SPOKE WITH THE REPS ON DIFFERENT DAYS NO ONE WOULD HELP ME. SOMEONE SENT ME A PACKAGE TO COMPLETE TO GET THE ITEM REMOVED BUT IT HAS BEEN REMOVED.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-24
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: Consumer Financial Protection Bureau Complaint RE : GM Financial Leasing I attest that the following is a truthful account of the dispute between myself and GM Financial Leasing. My son and I co-leased a XXXX XXXX XXXX from GM Financial Leasing for a 2 year period of time. The vehicle lease was due to end in XX/XX/XXXX. The vehicle was returned on XX/XX/XXXX even before the due date. At the time that the car was returned it was under the allowed mileage and in near pristine condition. A few weeks after the vehicle was turned in to the local XXXX dealer I received a letter from GM Financial dated XX/XX/XXXX indicating that there was a balance due of {$600.00}! Upon receiving the letter I immediately phoned GM Financial to discuss these charges. I spoke with a representative who explained that the {$390.00} Disposition Fee was in the contract. It should be noted that even if this is in the contract, GM has the discretion to waive this fee if a customer leases or buys another GM vehicle. It was my deisre and I did attempt to lease another GM vehicle before the end of the car lease but was unable to secure a deal that I could financially afford. The salesman at the car dealership would even verify that he worked hard to get me into another leased vehicle. Having been a lifetime owner of numerous GM vehicles, having leased a GM vehicle just prior this this car, as well as my parents being loyal GM owners, and my uncle was a XXXX GM XXXX I found that my loyalty to GM should be taken into consideration and this discretionary policy of who does or doesn't have to pay a Disposition Fee to be an unfair practice. In addition, my payment history with GM Financial was exemplary. During the same phone call I questioned the Excess Wear Charge in the amount of {$170.00} which also appeared on the bill, the representative directed me to a website to look at the pictures of the so called damage to the vehicle hub caps as determined by the person who inspected the car after it was turned in. The representative offered no assistance other than these we valid charges. I asked to speak with a supervisor and was told that there was no supervisor available. After my initial phone call to GM Financial I visited the website to view the damage report and look at the pictures. There were scuffs on the hub caps which were determined by the inspector to be excessive but would be consistent with nothing more than the hub cap getting up against a curb. I would venture to guess that nearly 100 % of cars on the road have these kinds of scuffs yet this is what was deemed to be excessive to the tune of {$170.00}. There are no means to dispute or question the people that GM Financial hire to inspect the vehicles after a lease turn-in. I find these type of business practices to be highly questionable and deceptive. Another call was placed to GM Financial a few days later. The charges were again disputed and again a representative indicated that the charges were legitimate. We requested that GM provide proof that the hub caps had been replaced for the {$170.00} charge. We were told that that was not possible. I have the right to request that I have proof of a product for which I am being charged. However, I am aware the reason this is not possible is because the hub caps were NOT replaced or repaired before it was sold or sent to auction, yet GM Financial believes they can levy these outrageous charges to line their pockets and customers have no recourse. Again during this call we requested to speak with a supervisor, who was not available. Was told that this would be sent for a review and they would respond. A return call was never received as was promised. Having receiving NO contact from GM Financial Leasing for almost 6 months I assumed that they had decided to write the charges off. The next contact I received was in early XX/XX/XXXX when I received an automated message asking me to call GM Financial Leasing. Coincidently, on the same day I had received my credit score from the bank where I had applied for a refinance loan. Apparently GM Financial had reported me to the credit bureau in XX/XX/XXXX of having a delinquent loan. On or around XX/XX/XXXX I again phoned GM Financial Leasing and spoke with another representative. At this point in time I am very upset that my credit as well as my son has been ruined and GM Financial had made no attempt to contact me by mail or phone for almost 6 months. She told me that there were numerous automated calls to me that were time stamped as proof that the they had attempted contact with me. I have no knowledge of these calls she referred to. All I can say is that if robo calls were being placed to my phone that they were either being blocked as I am on a no-call list or incoming calls displayed as spam that I do not answer. I told her that I would pay the Disposition Fee ( which I am still in disagreement with ) but that the Excess Wear Charge was still an issue and I continued to ask for proof that the hub caps had been replaced. I told the representative that I wanted this reviewed by a supervisor and wanted a phone call back. On XX/XX/XXXX I received a voicemail from an actual person XXXX # XXXX after XXXX XXXX. I immediately attempted to return the call but the office had closed at XXXX. I was hopeful that this was finally a supervisor returning my call since this was the first time I received ANY contact at ANY time from a live person. On XX/XX/XXXX I contacted the number that XXXX had left only to discover that it was not a supervisor who had contacted me but just another call room representative. Speaking with yet another representative who offered the same line that I had received from all my other contacts. I reiterated that I would pay the {$390.00} but would not pay the {$170.00} without proof that the hubcaps had been replaced. Her response was that they are are not required to repair or replace any damage. What?? This was the first time and first representative that had made such a statement! GM Financial wants to fleece customers by demanding payment for services or products they dont receive. After consulting with someone, the representative came back on the phone and offered to reduce the amount by {$50.00}. I told her that this was not an acceptable amount. She indicated that she would make a note of my refusal to accept the {$50.00} deduction. Clearly if there is discretion to reduce the charge by {$50.00} then they have the ability to waive the charge all together. Placed another call to GM on XX/XX/XXXX by contacting a different phone number hoping that I could perhaps speak with someone other than in the call center. Spoke with someone named XXXX. I explained my situation and dispute. He indicated that he was willing to send an email to have the damage charges reviewed but said that in the 4 years he had been working for GM Financial that he had never seen any reversal because they go by the report from the people who inspect the vehicles after lease turn-in. When I complained that GM Financial had waited 6 months to pursue these charges, he blamed me and also said calls had been made to me to let me know that GM Financial did review and rejected my dispute. This is total fabrication. He also blamed me for being on the no-call list that blocks spam and robo calls. He told me as the previous representative had that GM Financial does not have to prove that they have replaced or repaired any damage. He further stated that these inflated charges and having no means of dispute are just the price of leasing a vehicle. He also told me that GM Financial will not remove anything from the credit report. By the end of the phone call he was no longer willing to send an email to have this reviewed stating that it had already been reviewed, denied and that I had been informed of this back in XXXX ( another complete lie ). GM Financial Leasing is intentionally gouging consumers who have no recourse against a big business, or recourse against the people they contract with to exaggerate damage during inspections and then refuse to provide proof of replacement. I have found hundreds of similar complaints online against GM Financial Leasing and their unscrupulous practices, so I know that I am certainly not alone in my frustrations. Apparently they believe that their customer base is expendable as people vow to no longer purchase another GM product. This experience has been the worse customer service I have ever experienced. Despite efforts to speak with someone in charge to get some resolution to this dispute I have been unable to speak with anyone other than a person in a call center that just repeats what they have been told to say. It appears that GM Financials idea of customer service is automated robo calls and representatives who are not interested in helping consumers.
Company Response:
State: IN
Zip: 461XX
Submitted Via: Web
Date Sent: 2020-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-24
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I was set up on autopay and when the card expired I called to make a payment and they still tried to take the payment that was set up on autopay. But at that point the card had already been expired so it didnt go through and they didnt apply the payment I made for several months, in result they charged me 2 late payments that I really made on time.
Company Response:
State: MA
Zip: 02453
Submitted Via: Web
Date Sent: 2020-04-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Company reporting currently late on an account that was charged off in 2016 lowering my score 30 points per XXXX, they recently change the status on XXXX to currently reporting Charge off monthly, not exactly sure if the balance showing is accurate never received notice of a surplus/deficit if vehicle was sold or when it was sold. Reporting 2 different closing dates between CRA 's.
Company Response:
State: MI
Zip: 48223
Submitted Via: Web
Date Sent: 2020-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I have been in contact with GM Financial about removing a credit remark on my report from XX/XX/19. This was an error due to their company 's app set up of the auto pay being difficult and confusing to navigate for customers. They refuse to remove the remark, even though they have the ability and authority to do so. I was never late in over 20 years of being a loyal paying customer. And I was not late by that much either. I am trying to secure a new loan during this difficult financial time and they are not being flexible or compassionate. I would like to some assistance with this matter and would like to file an official complaint about GM Financial in regards to this. Thank you.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2020-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-22
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: XX/XX/2020 I received a letter from GM FINANCIAL providing me with my payment history and simple interest contract. After reviewing the information, I found several payments that were made only went to the interest and nothing to the principal. If I paid a late fee that amount went to the interest as well instead of the late fee. I paid extra fees due to this error and GM FINANCIAL affected my credit with negative payment history when I paid. I have completed all payments due and now GM FINANCIAL is saying I owe another XXXX? Per GM FINANCIAL website, I have completed all 72 payments but the company is reporting I am only 83 % paid with now this new balance. I reached out to the company on XX/XX/2020 and spoke with a rep named XXXX for 2 hours and she said she saw the errors and reached out to her supervisor XXXX to correct it. I was told it will be fixed but I received a call the next day from a rep named XXXX who told me the balance was correct and I needed to tell GM FINANCIAL when making payments that I wanted certain amounts to be placed to the principal and interest.
Company Response:
State: SC
Zip: 29483
Submitted Via: Web
Date Sent: 2020-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven`t seen any investigation results.
Company Response:
State: NY
Zip: 11003
Submitted Via: Web
Date Sent: 2020-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-20
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: DUE= {$310.00} owe ( 30 days past due ). My lease was due XX/XX/XXXX but dealers were closed so I didn't have a place to hand back my car. ACTIONS= 1. I was told to drop it off at any dealers. But all the dealers shut down their business due to the pandemic around end of XXXX XXXX I am in California ) 2. I was told to hold onto the car and " no additional charges would I apply '' since no dealers were opened. I have proofs of the texts that I sent to GM. 3. I got call from GM in XXXX that I was " late '' and past 30 days due date. 4. I called them, texted them on my dashboard app and texted them on my car. It was extremely difficult to get a hold of anyone. Finally, after 4 attempts, I got thru to someone today. I was transferred 4 times, spoke to 4 sales reps -- all denied that anyone said this to me. The 5th sales rep finally gave me a GM email so I can show them my texts and I will. I need help to handle with GM Financials. It is illegal what they are doing.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2020-04-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A