Date Received: 2019-12-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XXXX , XXXX . XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX I sent a cease and desist letter for no further contact about a debt owed on XX/XX/2019 via certified mail. The card was signed by an employee upon return to me to notify of it's receipt. XXXX XXXX XXXX in turn did not provide me a letter after about proving debt to the address I had requested IF debt was valid. All credit reports state no debt is owed and no derogatory marks are listed. I had informed them in my letter that if they contact me again that I will file a complaint with the Federal Trade Commission and all calls will be screened. At XX/XX/2019 they had contacted me again. They were informed of recorded calls again ( via XXXX XXXX XXXX ) and disconnected.
Company Response:
State: WI
Zip: 53719
Submitted Via: Web
Date Sent: 2019-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response:
State: SC
Zip: 29803
Submitted Via: Web
Date Sent: 2019-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-28
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: i been paying all my car payments on time and the app they have been messing up but still showed up as paid on my end. i call and told them the payment on XXXX went through but said i had to file a complaint. im stressing that I immediately want the payment information corrected and want it to show XXXX payments for all months and to contact me if anything show up late so i can clear it up. This drastically hurting my credit and want it to be correct ASAP.!!!!!
Company Response:
State: NJ
Zip: 08028
Submitted Via: Web
Date Sent: 2019-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-27
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I purchased a truck on XX/XX/XXXX. I reviewed the loan application submitted and it clearly states that my mailing address is XXXX XXXX XXXX in XXXX NY XXXX. We received all written paperwork from GM at that address through XX/XX/XXXX. A repossession took place on XX/XX/XXXX, I contacted GM on that date to clear this matter. I asked why the repossession had occurred. I was told that payments were late and all mail concerning the late payments had been returned to GM. I told the representative that we did not receive any correspondence and asked what address had the notices been sent to. I was told XXXX XXXX XXXX. I asked why the address was changed from XXXX, she said someone must have changed it. I asked her to review her records and tell me who and when was this change authorized. She said she couldnt tell, maybe the post office changed it. At that point I decided not to pursue with customer service, my main concern was to just get the truck back. I would contact GM Financial later. I have also contacted their customer service department two more times, XX/XX/XXXX and XX/XX/XXXX notifying them that I have not received my monthly billing statement. The second time I was told the switch had been turned off, she would correct and I would start to receive again. I have not received this either. Prior to XX/XX/XXXX I received the billing statement each month. I did contact GM Financial on XX/XX/XXXX. To date I have received no response.
Company Response:
State: NY
Zip: 13027
Submitted Via: Web
Date Sent: 2019-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/18 GM Financial made a fraudulent inquiry to my XXXX report. XXXX has instructed me to contact each company making the fraudulent inquiries, individually.
Company Response:
State: CA
Zip: 91942
Submitted Via: Web
Date Sent: 2019-11-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/2018 GM Financial Balance- {$0.00} I am requesting for this company to update my credit file as PAID and remove this CHARGE-OFF from my credit file as soon as possible. I am a victim of identity theft and I do not owe this company.
Company Response:
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2019-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response:
State: SC
Zip: 29803
Submitted Via: Web
Date Sent: 2019-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-24
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: On Saturday, XX/XX/XXXX, as I was leaving to take my daughter to XXXX, GM Financial repossessed my car. I was unaware my automated payments were discontinued, which caused a default. While the vehicle was on the tow, I spoke with two different GM Financial representatives, explaining that I did not know payments were discontinued and that I would be happy to pay the delinquency in full, as well as any out of pocket costs GM Financial incurred. GM Financial indicated they did not have a process for that and took the vehicle. GM Financial did not have a current phone number for me and did not mail me any notices to the XXXX XXXX address on file because, as they explained, I elected to receive paperless statements. I receive monthly emails from GM Financial indicating that " my statement is ready for viewing. '' I do not click on the view link. The emails over the last 90 days were the same as I have received over the last 2.5 years. I also would not notice GM Financial 's cessation of withdrawals from my checking account because the monthly payment is extremely low and not something I monitor. GM Financial did not contact GM proper for my current contact information, who has my current contact information as I service my vehicle with GM and have been in recent discussions with GM for new leases for my family this spring. I have also been in for service within the last 90 days. GM Financial also did not XXXX my name, the 1st search result of which would have been the direct dial to my desk. I spoke with three GM Financial representatives on Saturday none of which would tell me why my automated payments were discontinued. I talked to my XXXX year mother last night because the GM Financial representative indicated they called her. My mother said she received daily calls from XXXX, according to the caller ID. My only concern is the reporting of a delinquency on my credit report. I don't care to waste time pointing fingers. According to the website, the past due balance is {$1100.00} ( 94 days ). I will not be permitted to pay until XXXX Monday. Please assist.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2019-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Company Response:
State: FL
Zip: 33511
Submitted Via: Web
Date Sent: 2019-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-22
Issue: Problems at the end of the loan or lease
Subissue: Termination fees or other problem when ending the lease early
Consumer Complaint: We leased a XXXX XXXX XXXX late XXXX XX/XX/XXXX from XXXX XXXX XXXX. Within two weeks the car was in for service due to electrical issues and tire pressure issues. Within a week after that the car was in for the drivers seat moving and squeaking when driving. The continuation of problems continued to occur throughout the lease. Throughout our 2 years of leasing the vehicle the car was at the dealer over 15 times for numerous electrical and system issues. Nearing the 2 year mark the issue seemed to become more frequent and we were to the point where we were not comfortable driving the car any distance due to the numerous error messages, we were receiving around electrical and camera systems. In late XXXX early XXXX of XXXX we stopped into XXXX XXXX XXXX and shared our experience with the staff on the overall health of the car. They recommended that we contact XXXX as they suspected this car had larger issues and that XXXX would take care of the issue. Unfortunately, through numerous calls to XXXX, GM financial, and the dealership we received feedback that they can not help us and that we would need to speak to one of the other entities ( ie. When talking to XXXX they would say we need to talk with GM financial, when talking with GM financial they would say we need to talk to the dealership, when talking to the dealership we would be told we need to talk with XXXX ). After two weeks of this run around we provided the attached letter when we dropped off our vehicle at XXXX XXXX XXXX with a summary of our experience, a letter outlining our expectations and they recommended we continue to call XXXX. For the next month and a half, we continued to try to work with GM/XXXX and requested to speak to a manager to help talk through a possible resolution due to the significant quality issues of the car. As you are aware when requesting to speak to management, they state it could take up to 72 hours to receive a call, numerous times I had to wait over 72 hours to get a call unfortunately no action was taken to talk through possible resolutions. After receiving our bill dated XX/XX/XXXX for {$3500.00}, we reached out GM financial and had a good conversation with a rep. They stated they were very sorry for the experience and that we needed to work directly with XXXX XXXX XXXXXXXX. They then stated they would note this conversation so that it there would be no action taken on our account. At this time, we were able to make contact with XXXX XXXX at XXXX XXXX XXXX who was very empathic to our issue and said he would work with us due to the numerous issues. We have continued to reach out to him for updates and also provides update to GM financial that we were working with the XXXX XXXX XXXXXXXX to find a resolution. On Tuesday, XX/XX/XXXX I was contacted by our financial advisor as we are working through a mortgage refinance that we had a negative hit on our credit and through more review found out that GM financial had sent our bill to collections and attached to our credit report. This event had an approximately 200 point impact on our credit, historically we had a mid XXXX and due to this addition to our credit report it moved us to XXXX. I reached out to GM financial immediately to discuss this issue and the rep validated that they did indeed see the notes in the system that we were trying to work through this. I requested to speak to someone who could discuss the overall problem plus fix my credit issue and they committed I would receive a call within 72 hours. I shared with them I would appreciate a call sooner as this has serious implications on numerous aspects of our financial health. I sit here today over 72 hours after my call to GM financial and have not received a call back. I would also mention that we reached out to XXXX again at XXXX XXXX XXXX who communicated this was great timing as the GM financial rep for the dealership was going to be there that day ( XX/XX/XXXX ) and he would discuss. We are still waiting for an update on that conversation. In short, our disappointment began with the quality of our XXXX lease and the significant inconvenience and safety of owning this car however now it has been escalated due to the customer experience issues we have received throughout this process. The cherry on top was the addition of sending this to credit with no notification and a commitment from GM financial that this was notated, and no action would be taken. My husband and I are successful, honest people that manage our business matters seriously. We could not be more disappointed in the quality and service related to the XXXX experience and the overall customer service we have received to try to work through a resolution. I would appreciate a call from someone that can discuss the holistic solution and a possible resolution.
Company Response:
State: IL
Zip: 60134
Submitted Via: Web
Date Sent: 2019-11-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A