Date Received: 2020-02-07
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I filed bk chapter XXXX in XX/XX/XXXX// my car loan at the time was 4 payments past due. In XX/XX/XXXX I paid and caught up the loan to keep the car. I signed a reaffirmation agreement with gm financial XX/XX/XXXX. They reported it as included in bk. I disputed for the account to be updated properly. Gm financial approved for it to be removed from my credit bureau. This is not what I asked for. Now have no records on my credit of ever having the loan. It originated in XX/XX/XXXX. Gm has still yet to resolve the reporting issue. They say the have no resolution and are unsure of when they will. I am about to pay off the loan. The give me the run around and candid answers when I call, about getting up to date statements and getting it reported. The only proof I have is bank account records for payments that have been made. I want to pay this off and stop accruing more interest. I have been trying to settle this since XX/XX/XXXX. I also have called every month since XX/XX/XXXX to get this resolved and I get told its being fixed, then again un XX/XX/XXXX getting fixed, XX/XX/XXXX getting fixed, XX/XX/XXXX its getting fixed, XX/XX/XXXX and nope sorry having technical difficulties to get it reported correctly, ever since XX/XX/XXXX still no answer. BK discharged XX/XX/XXXX
Company Response:
State: TN
Zip: 37072
Submitted Via: Web
Date Sent: 2020-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-06
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: XXXX XXXX violated my consumer rights. A representative from XXXX XXXX whom I spoke with on XX/XX/2020 in regards to a previous auto account assumed the role of original creditor and told me that the remaining balance of {$11000.00} could be negotiated down to 50 % of that amounting to {$5900.00}. Then this same representative made the statement that GM financial is currently offering " tax season promotion '' and that I could have {$5900.00} negotiated down to 30 % of that amount. The final amount presented to me was {$3500.00}. This same representative asked if/when will file my federal taxes and went on to say that " if I file my taxes on a certain day I can be sure to receive them by a certain day thus be able to pay XXXX XXXX. I did not know that a representative from XXXX XXXX could speak on behalf on the United States Federal Government. This is also misleading information because 30 % of {$5900.00} is {$1700.00}. Also I called GM financial to verify their " tax season promotion '' and GM financial 's representative ( # XXXX ) stated this is not true.
Company Response:
State: IL
Zip: 60419
Submitted Via: Web
Date Sent: 2020-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Company Response:
State: MA
Zip: 02072
Submitted Via: Web
Date Sent: 2020-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My lease expired XX/XX/XXXX. The car was turned in and I never received any further information or bill from GM Financial. I then received an alert on my credit report stating I had {$410.00} 30 days past due and dropped my score even though I had not received a final bill. Upon calling GM Financial on approximately XX/XX/XXXX I spoke with a representative who stated a final bill was never sent out. She further stated that she would fix the inaccurate credit report and send out the final bill. The account got reported as being in good standing but still showed a late payment.
Company Response:
State: MI
Zip: 492XX
Submitted Via: Web
Date Sent: 2020-02-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had a lease vehicle with GM Financial which was involved in an accident on XX/XX/2019 ( not my fault ) and was a total loss so GM Financial agreed to an early lease termination. The driver at fault did not have insurance so my insurance company ( XXXX XXXX ) sent a payment on XX/XX/2019 in the amount of {$22000.00}. I was told at that time that GM Financial carried GAP coverage which would payoff any remaining balance. I assumed with those two payments the account was paid in full and was never contacted by or received any statements from GM Financial stating there was any balance remaining after the XXXX XXXX and GAP payments were made. On XX/XX/2019 ( 9 MONTHS LATER ) GM Financial reported to the credit bureaus that I had a balance remaining of {$12000.00} and had 6 missed or past due payments. AGAIN, FOR 9 MONTHS I WAS NEVER INFORMED THAT THERE WAS ANY AMOUNT OWED TO GM FINANCIAL. I called GM Financial on XX/XX/2019 to discuss the information reported to the credit bureaus. I was then told I had a balance due of {$460.00}. The GM representative was VERY RUDE and said I should have known there was a balance due. I told her I was not aware of the balance due and if I had been informed about it I would have paid it immediately. I asked why I never received a statement for the balance due after they received insurance payments and she said they don't have to send me anything and that it was my responsibility to know or to call to see if there was a balance due, which is ridiculous. I am XXXX years old and of the many companies that I have done business with over the years not one has ever said I should just know I owe them money or that I should call them to find out how much!! I told her I was willing to pay the balance due immediately if they agreed to correct the information with the credit bureaus. She refused and said if I didn't pay they would report it to collections. When I said that I was disappointed with the way they were treating me & that I probably wouldn't do business with the company again because of this she said that was " fine with her ''.
Company Response:
State: FL
Zip: 33909
Submitted Via: Web
Date Sent: 2020-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-01
Issue: Problems at the end of the loan or lease
Subissue: Termination fees or other problem when ending the lease early
Consumer Complaint: I leased a XXXX XXXX from XXXX XXXX ( Bankrupt ) on XX/XX/XXXX. The Lease included an Extra Wear & Tear Policy ( WSWEAR ) by XXXX of the XXXX XXXX for {$690.00}. I returned the car on time and paid all monthly payments. Then GM Financial billed me {$620.00} for XSWEAR + Disposition Fee {$390.00} + taxes on that fee. I paid them {$570.00} because paying taxes on the Disposition Fee seemed ridiculous to me ( paying taxes on a Fee? ). XXXX paid them directly {$230.00} for my XSWEAR so that now they got overall of {$800.00} to MY name! Thus, according the GM Financial, THEY OWE ME XXXX-XXXX = {$180.00}, and they ignore my requests to pay me that balance!!! GM Financial are CROOKS!!! They are trying to take advantage of the fact that I am a Senior Citizen who can't afford the time and effort required to deal with such crooks!!!!!!!!!!!!!!!!!!!!
Company Response:
State: CA
Zip: 94087
Submitted Via: Web
Date Sent: 2020-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I currently have a loan with GM Financial, and had noticed that my credit report was not reflecting a payment made since XX/XX/2018. I had contacted GM Financial and was informed that it was a system error and this would be resolved by the end of XX/XX/2018. The problem was resolved for a few months, but now shows that a payment has not been paid to my account since XX/XX/2018. I have asked GM Financial, on several separate occasions, to look into this and get it resolved, as I am unable to refinance my vehicle or even utilize my credit because this is affecting not only my credit score, but also my payment history reported to the credit bureaus. Almost a year and a half later, GM Financial is still not reporting any payments that I have made to my account.
Company Response:
State: CO
Zip: 810XX
Submitted Via: Web
Date Sent: 2020-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I would like for GM Financial company to be removed from credit report due to that account is over 7 years old and XXXX XXXX XXXX paid them off in full for the vehicle. GM Financial Company keep reporting negative things to credit bureaus companies.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-28
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: This complaint involves issues with the termination of my lease agreement with GM Financial. The leased vehicle was a XXXX XXXX XXXX XXXX ; it was leased for 36 months and I never missed a payment or was ever late. About 2 months before the expiration of the contract, I started reviewing the process of returning my lease and found out on GM 's website that GMs recommendation, in order to make a hassle-free return according to them, was to order a pre-inspection so I would know what to correct before returning the vehicle. Given I did not want any surprises, I requested the pre-inspection, which was supposed to be just for my information and records as to what to fix prior to returning the vehicle. As a result, however, this information was used against me when I returned the vehicle more than a month later. I must mention that this is not the first time I have leased a vehicle in general and that I am familiar with the process, however, this is certainly the first time that I have experienced a situation like this. Once I requested the inspection, GMs inspector went to my home and inspected the vehicle while I was traveling for work. The person or agent who went, requested my mothers signature in the document even when she was not present with him during the inspection. I want to clarify, my mother was home ; just not physically present during the inspection of the truck, she was simply inside and was just aware that an agent would be conducting an inspection of the leased vehicle. However, since this was supposed to be only a Pre-Inspection, she didnt think it would be a problem signing the document the agent requested. She gave him a set of keys so he could inspect the vehicle and got back inside the house. The report concluded a missing set of keys, tires that needed to be replaced or paid at a full price ( of more than 300 dlls each ), some apparent wear and tear damage to the paint and a check engine light being on. My first thought was that it was unfair and unreasonable to try to charge the full price on the tires since I didnt lease the vehicle to not use it, but on the other hand, I didnt want any trouble while returning the vehicle, thus I simply replaced the tires before returning it. I want to state that I had the original OEM tires in storage because I replaced the tires with bigger all-terrain tires for work as soon as I got the vehicle. Therefore, the original tires that came with the truck were hardly used, if not new ; less than 1,000 miles on the stock factory tires. Approximately a month and a half later when the vehicle was due to be returned, I went to XXXX XXXX, a GM Authorized dealership in XXXX XXXX TX, to return the car. The Used Car Manager inspected the vehicle and received two sets of keys ( which I had since the beginning but the first inspector never requested the second set ), he noticed that the tires were barely used and I explained to him that they were the original OEM set from when I got the vehicle. He mentioned that everything looked fine and that they would send me the report. Shortly after that, GM 's collections department started to call me to collect on the account, because according to them, I owed more than {$1600.00} dlls for all that was reported in the Pre-Inspection report. I explained to them every time they called that the report they were using was a Pre-Inspection report and that I had already resolved everything in that very same report, however, they simply ignored me and didnt care. They simply declined to conduct their own due diligence and just wanted me to pay. I requested several times to speak to a supervisor, only to be left on hold for 30 minutes to over more than an hour and after holding for that long I was simply told that there was no person with more authority that could talk to me. This situation turned really stressful due to the calls becoming more and more often, but since I wanted to resolve the matter I always answered the calls and explained, again and again, the situation. Having to go back and forth for months discussing on the phone with GM 's reps and explaining repeatedly that I had solved the issues described in the Pre-Inspection report. Throughout the conversations with GM, I would be repeatedly transferred back and forth to different call center agents, and to the best of my knowledge, I became aware that the agents themselves had reports and notes of the past conversations that I would have with them. I will not assume if they simply refused to acknowledge my conversations or simply decided to ignore the notes, but it is factual that everything was in writing and on their end visible. While, again, I was never transferred to a supervisor or to a person with the authority to resolve the issues even when I requested it several times. During this long and stressful period dealing with GM, I began the compilation of information, the receipt of payment for the installation of the new set of tires, as well as photographic evidence demonstrating the original tires on the truck at the time of the return. I also found out by the manager at the GM dealer in XXXX XXXX to whom I returned the vehicle to, that the vehicle had already been sold at a local auto auction. I went and spoke to the Auction to obtain their inspection report. I provided all this information, along with 25 pictures of the vehicle over to GM. Although I submitted all this information to GM, their collectors response was always the same. Finally, after a few calls from the Manager at the Local dealer in XXXX XXXX ( I will provide you with his information ), all the information submitted, and several times on the phone, stressing my position that I had fixed the vehicle ; All this in a period of months, I was finally able to get GM Financial to recognize that the tires had been replaced as well as that they received 2 sets of keys, they stated that they were Making me the favor to drop the charges down to roughly {$450.00}. However, during this period, my credit score became affected by their negative remarks of being past due on the account for more than 120 days. After discussing this matter with the credit bureaus, they had advised me to either fix the issue directly with the creditor or file a complaint. Unable to reach an agreement with GM, and due to their negligence which has impacted my credit score, further impacting my normal financial routines, job reputation and limiting my ability to borrow funds for my college education, I am now requesting your intervention. I want to make it clear that I have tried to resolve this issue with GM, exhausting all my possibilities for a course of more than 6 months, and answering all their calls even when I completely lost hope in them resolving the problem. I was not given the opportunity to speak with somebody that was not a collector, somebody with at least the intention and common sense of trying to resolve an issue, apparently, for them you are guilty unless you prove them wrong, and even after that, you are still guilty. I have received multiple collection calls for this account, and after explaining the matter to the collectors over and over, they refused to acknowledge my situation and my solutions and instead harassed me with more calls asking for payment in a very forceful manner and not understanding that this was not about the money. In a very condescending manner, they were instead offering me payment installments in exchange for me to pay, not understanding that I dont have a financial problem in paying the amount that they were asking ( as a proof, I paid a similar amount for 36 months without problem, as if was the monthly lease payment of the car ), however, I refused to pay because I didn't and still don't owe them anything. These collection calls have made it difficult for my ability to be able to move about my day, my job and my college duties, without having to spend time on the phone with these collectors and explaining to them the situation over and over. I feel under duress and harassed by the entire way GM Financial has handled this situation with complete disregard not just to the clean record of payments that I made to them over the course of the entire lease contract for three years, but for the wrongful report on which they based their collection activity against me.
Company Response:
State: FL
Zip: 33619
Submitted Via: Web
Date Sent: 2020-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: GM FINANCIAL is reporting a balance on an unverified and fully paid lease account of {$8100.00}. this balance reporting is wrong I paid this lease 100 % in full, never late. The account is showing incorrect and is fraudulent!!!!. GM FINANCIAL is damaging my credit and reputation unjustly and WITHOUT Legal reporting/Dispute process. They have not ALLOWED ME TO review the proposed amount and dispute per FCCA the amount they are claiming i owe. This is a Violation of the FCRA and my person rights!!! I hereby demand this account be removed from my credit file, or positive proof of this amount be provided, as I NEVER took out/requested ANY credit from GM FINANCIAL or applied for any LOANS, CREDIT, AMOUNTS for XXXX from them.
Company Response:
State: NC
Zip: 28173
Submitted Via: Web
Date Sent: 2020-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A