Date Received: 2019-09-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The GM financial account is being falsely reported in an attempt to re-age the account. Ive disputed this account numerous times with no change. The account should be deleted immediately for false reporting. They are reporting the last payment date as XX/XX/XXXX but charge off/DOFD date as XX/XX/XXXX. This should have been noticed if there was really an investigation into my complaints.
Company Response:
State: NY
Zip: 10456
Submitted Via: Web
Date Sent: 2019-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-06
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: At the start of this loan I had a call to my place of employment. My job has two telephone numbers. They are XXXX and XXXX. Not sure which one they are calling. However I requested that GM Financial only contact me on my cell phone. That request was honored until I was late paying. So far I have told GM Financial three times to stop calling me at my job but yet they keep calling. They call on my cell phone I answer and tell them that I cant talk because Im at work. We disconnect and then they call my work telephone number. The collection practices they are utilizing is very time consuming and distracting for me at my place of employment. Its causing anxiety/panic attacks. If they continue I won't be able to maintain my employment.
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2019-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-05
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: On XX/XX/2015 I signed a lease on a XXXX XXXX XXXX. When talking to the finance manager I understood that my total price with all fees and included would be {$58000.00} in total. I also understood that I would be putting {$20000.00} which would include {$20000.00} down {$600.00} taxes and {$290.00} first payment. I also understood I would make 48 payments of {$290.00} that would total {$13000.00} which included {$7600.00} in that total for depreciation. So added with my {$20000.00} plus {$13000.00} my total I would have in this vehicle would be {$35000.00}. When I asked the fianc person how much I would have left at the end of my lease the finance person told me about {$25000.00} dollars. My total in was {$35000.00} you subtract that from {$58000.00} dollars you are left with {$23000.00}. So Im thinking this is great I can pay cash for the car at the end of my lease. Now Im at the end of my lease I found out from gm financial P.O. XXXX XXXX XXXX, Tx XXXX ( XXXX ) XXXX that my payoff is {$31000.00} and the finance guy obviously lied to me. This total which would be {$35000.00} that I have already paid plus the {$31000.00} they want me to pay would make the vehicle {$66000.00}. This total is know where in the contract? I was furious when I found out I started emailing XXXX XXXX the Ceo of gm XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX tel:XXXX. I got a response from gm financial they were no help. Then I got a phone call from XXXX XXXX XXXX Executive Resolution Liaison Phone : XXXX extension XXXX. They were no help standing by the company even if there wrong. They also put me in contact with XXXX financial director from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX ( XXXX ) XXXX. He was the same way not willing to look at the mistakes that have been made. In my contract I just learn the money factor should of been listed how they got the residual value it wasnt told to me and isnt listed on the contract. I have tier 1 credit and was told my residual value shouldnt be this high. Also on XX/XX/2015 I was sent a notice my contract wasnt right and no need to do another contract. In my contract listed on line 20 it plainly states that any changes a signature by me an the dealership must be in writing. Which they didnt do.
Company Response:
State: NC
Zip: 28328
Submitted Via: Web
Date Sent: 2019-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-03
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I leased a new ( XX/XX/XXXX ) XXXX XXXX XXXX in XX/XX/XXXX. At the time of the lease contract, I purchased an extended maintenance plan for 36 mos/36,000 miles at a cost of {$490.00}. I had been bringing my car to the same dealership for all maintenance ( which was, essentially, just standard items like oil changes and tire rotation ) for the past two years, without issue. I was informed in XX/XX/XXXX that the original dealership was no longer an authorized GMC dealer and that they had closed permanently ( no explanation why ) and that I should move my account to the next closest dealer. When I went for my regularly scheduled maintenance visit, I learned that the new GMC dealer I'd been assigned ( XXXX XXXX XXXX in XXXX XXXX, CA ) has no record of this maintenance agreement, despite my showing them a copy of the lease contract where it clearly states I'd paid for it and how many months/miles it covered. The contract says the maintenance agreement was with XXXX XXXX XXXX ( XXXX also happens to be the name of the financial institution that holds my lease - but they also offer extended warranties and maintenance plans ). I reached out to XXXX, and they have NO RECORD of my having a maintenance plan. Which leads me to believe the most likely scenario that the XXXX XXXX XXXX XXXX dealer pocketed my {$490.00} and never actually bought me the maintenance contract. This fraud may have something to do with why the dealership closed, I have no idea. But I know that I want to get what I paid for, or get my $ refunded since I should have until XX/XX/XXXX or XXXX miles, whichever comes first.
Company Response:
State: CA
Zip: 91356
Submitted Via: Web
Date Sent: 2019-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have turn vehicle in from account showing and it should be closed I now have a new lease that is open with same company. I need old account to show closed paid in full.
Company Response:
State: OH
Zip: 44512
Submitted Via: Web
Date Sent: 2019-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I had identity theft and there are a few inquiries that need to come off my reports asap XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - Gm Financial XX/XX/XXXX - GM financial
Company Response:
State: OH
Zip: 45040
Submitted Via: Web
Date Sent: 2019-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: GM Financial # XXXX is in collection status on my credit report, however this account should never have gone to collection. I have never been late or missed any payments and I have a letter attached that GM sent clearing my account.
Company Response:
State: NY
Zip: 10314
Submitted Via: Web
Date Sent: 2019-08-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: 22 hard inquires on my credit report, i did not look for these multiple online inquires. all these are too much on my credit report. also i only have one open account it is showing multiple open accounts and i have paid everything in collections.
Company Response:
State: NJ
Zip: 08234
Submitted Via: Web
Date Sent: 2019-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-27
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising
Consumer Complaint: To whom it may concern : On XX/XX/XXXX, I took my leased XXXX XXXX in to XXXX XXXX for service on my brakes because they had become stiff and I almost crashed the vehicle. During this time the Service Rep XXXX XXXX explained that I would have to leave the vehicle. I requested to know if the mechanic working on the vehicle had any idea what was wrong with the vehicle since he had already heard the key complaints. According to Mr. XXXX, XXXX had received a bulletin from General Motors that there had been many cars coming back with serious brake master cylinder issues. Puzzled by his explanation I proceeded to ask Mr. XXXX could he elaborate. To which he said it has to do with the hose and the vacuum pipe. I then asked but if it is the hose and its a leak wouldn't brake fluid and a replacement hose fix the issue?? Mr. XXXX responded with a chuckle " No, its a lot more complicated than that ''. I then proceeded to take the chuckle as I'm a girl so I would not understand mechanic or vehicle repair jargon. Following this response from him I asked for Mr.XXXX to write down the issues so that I can do some further research at home. Upon arriving home I XXXX the term " XXXX Brake Master Cylinder Issues '' and immediately on the first page and site was " XXXX CLASS ACTION LAWSUIT OVER BRAKE MASTER CYLINDER ISSUES '' I proceeded to read the article and jot down the name of the attorney handling the case. It turns out a couple with the same issues as I brought their XXXX XXXX in to the shop for service for the brakes that were stiffening. Soon after the dealership told them they fixed it. The couple believing it was fixed drove the car got into an accident and nearly got killed. This couple then commenced a Class Action to which inadvertently I guess I will be a part of or not ... Not sure if I am. In any event getting back to my vehicle I called the following day for a status and to explained to Mr. XXXX that I had uncovered something I had not been made privy to. You see approximately several months before I had my brakes worked on by XXXX XXXX and no one let me know that they existed an issue with the brakes. At the very least if this bulletin has been out since XXXX when I leased my car and it is XXXX couldn't anyone notify us that there exist a SERIOUS ISSUE that can kill my entire family??? No instead I nearly get killed, the elderly couple who commenced the action almost get killed and scores of other helpless individuals that own or lease XXXX Vehicles Including the Nations Entire Police Force are forced to play Russian Roulette with our lives in faulty vehicles and XXXX and General Motors CEO XXXX XXXX XXXX are reluctant to make this apriority and issue recalls on ALL XXXX XXXX, XXXX, AND XXXX TRUCKS!!! There are numerous complaints lodged with the National Highway Safety And Transportation Board and yet nothing has been done to remedy this serious issue. What's more is that if your out of warranty they will not fix it either!!!! I have contacted the General Motors Corporate Division to no avail. No help or assistance was provided. To add insult to injury XXXX XXXX the dealership my vehicle was at after learning I knew forced me to bring back the loaner and take my XXXX XXXX XXXX if I was NOT willing to pay for repairs!!!! When I explained that my husband was not home and I had my kids with me but did NOT want to risk putting in this vehicle they did not care. Not only were they callous but I was forced to go and get the vehicle with my infant daughters and son. When I yelled at the Service Manager out of anger for making take that risk they apparently called General Motors and requested that I service my vehicles elsewhere! A day or two after a rep from General Motors called and I was told never come back to the XXXX XXXX for service because Mr. XXXX had called to complain about me. Now mind you I leased my XXXX XXXX from them. I am outraged at the service from the XXXX XXXX and General Motors and at this point want them to let me out of this vehicle that I continue paying {$730.00} on and CAN NOT USE! its a lemon and will never perform satisfactory or safely. I will not feel comfortable letting anyone in my vehicle let alone drive it myself. Further research showed the XXXX XXXX XXXX and numerous other XXXX models have Brakes Master Cylinder Issues, Vibration at Hwy Speeds, Lack of Air Bag Deployment, Air Conditioning Issues and other problems with Front Drivers Side Knocking Noises! I pray you can assist me with this Behemoth Lemon!!!!! Thank you. Respectfully, XXXX XXXX View full complaint
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: In divorce settlement the ex took the car and signed me up as co-owner and than didnt pay. Car was repossessed and now thats on my credit report when i dont have nothing to do with car Credit agency saying lease company is throwing it on me as well because name was on lease. But i sent them all documents of divorce and still nothing. Now i cant even dispute
Company Response:
State: NY
Zip: 11355
Submitted Via: Web
Date Sent: 2019-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A