Date Received: 2019-08-22
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: Context : We have XXXX XXXX ( XXXX ), a very happy customer of the car. Two days back, our tire got flat. My wife was driving the car with my XXXX kids ( XXXX year old ). Luckily the incident happened 1 mile from home, in the XXXX XXXX area. I was able to reach there after office and got roadside assistance through my insurance along the way. It turns our after waiting for roadside assistance : we do not have a spare wheel, we also do not have the kit to fix flat tire. After calling XXXX customer service : i was confirmed that there should be a flat tire kit atleast. Fast Forward, next day we towed the car to nearby XXXX XXXX, XXXX dealership. The dealership was very nice and took over the Flat Tire case. They fixed the car the next day XXXX. We also found out in the process that one more tire was bad. After 1.5 years and <8K miles on the road : the car has gotten into wear and tear. My wife did not hit any pothole/nails during her <1 mile drive from home. In the process of parking the car at a safer place the the tire got little more damaged. Note : The last we had filled air was 11 months back when we did our 1st year service at the same XXXX XXXX. I am suspecting the diagnostics on the car did not reveal low tire pressure. The dealership also confirmed the air pressure was low. Claim : XXXX should cover the wear and tear of the Tire and pay for the Fees charged by XXXX service since its a brand new car ( leased from them ).
Company Response:
State: WA
Zip: 98029
Submitted Via: Web
Date Sent: 2019-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-22
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 have never been late on any accounts. i have set up auto pay since the beginning of the lease. Gm financial was completely not reporting the month of XX/XX/XXXX, marked XXXX, XXXX XXXX XXXX, as late payments. in the month of XX/XX/XXXX, they updated there report showing XX/XX/XXXX as completely not reporting. and they changed the months late to XXXX, XXXX and XX/XX/XXXX as late. this doesn't make sense. i have bank statement showing they pull and always have on the XXXX of every month. i want this account to show paid as agreed on all the months or completely removed from my credit file. the erroneous reporting of inaccurate information has impacting my loan abilities, my mortgage and car insurance.
Company Response:
State: MI
Zip: 48076
Submitted Via: Web
Date Sent: 2019-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-22
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I paid for a repossession fee back in XX/XX/2018. The amount was {$750.00}. Immediately after, I was billed for a 2nd repossession fee in the same amount of {$750.00}. This has been on my credit report for 18 months now. I have reached out multiple times to the company to resolve the issue. They have already admitted fault, but still refuse to remove the additional fee. They tell me to call another department who was unable to remove it from my account. The latest communication was XX/XX/XXXX where they said they would adjust {$700.00} off my account, which means they are keeping an extra {$48.00} for no reason. I am unable to trade in the car or pay off the loan without paying that {$750.00} fee. I am stuck with the car, which I have been planning on trading in for months. I have filed multiple complaints with their customer service department since last XX/XX/XXXX, and nothing has been done. My credit is being affected as well as the freedom to do what I want with the car.
Company Response:
State: CA
Zip: 93003
Submitted Via: Web
Date Sent: 2019-08-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have reached out several times to GM financial and they said that they would correct any error on my report caused bl there company. Till this day they have not corrected any information on my credit report. I will be filing a lawsuit in my county for them reporting false information on my report. This has caused me financial difficulty and has cost me time and money to dispute this error. Please remove this inquiry within 10 days of this notice. i also have enclosed one of the three letters i received saying that they would remove this inquiry. GM financial should contact XXXX and XXXX to remove inquiry.
Company Response:
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2019-08-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-21
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 disputed a GM Financial account with XXXX. The dispute was submitted on XX/XX/XXXX. I disputed the accuracy of the balance, payment history and late payments. GM Financial removed the monthly payment amount from the report which was {$580.00}. Reporting a balance of {$27000.00} original balance of {$28000.00}. They are reporting payments both on-time and ( late ) from XXXX to XXXX of XXXX which is also wrong but with monthly payments of {$580.00} how could the balance be {$27000.00}. No one at GM financial or XXXX seems to be able to solve this math problem for me.
Company Response:
State: NY
Zip: 10456
Submitted Via: Web
Date Sent: 2019-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX, of full age, certifies and says: 1. I am the FORMER co-signer in the within matter. As such, I am fully familiar with the matter herein to make within the complaint department in support of the individual’s request to enter a formal complaint through The Consumer Financial Protection Bureau against GM Financial, XXXX XXXX XXXX XXXX XXXX, TX (XXXX) XXXX and XXXX. 2. On or aroundXX/XX/2019 through XX/XX/2019I had received an email notification through XXXX XXXX, XXXX XXXX and XXXX that the account for a XXXX XXXX was CLOSED. (account number XXXX where XXXX XXXX (XXXX) XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX, was the primary and I was the co-signer)3. This said account was reported as CLOSED removed from my credit score as stating that it was paid off in full and that there was a $0 balance. 4. Following the aforesaid, another email was sent stating that the account was finalized onXX/XX/2019. This information was also confirmed with a GM customer service rep. 5. Without my knowledge or any paperwork from GM financial, the account was reopened stating that there was a $XXXX balance and is showing up as a “car loan” on my XXXX XXXX credit score only, thus dropping my score 8 points stating that it was a missed payment. My information was reused and submitted by XXXX XXXX XXXX in XXXX XXXX. NJ and GM financial without my consent and the loan was reopened on or aroundXX/XX/2019 now saying, “payment pending”. 6. On or around XX/XX/2019, I had called GM Financial and spoke to a customer service rep named XXXX, who proceeded to tell me that what happened was “none of my business and that there was a balance on the old loan.” 7. Following the aforesaid, I asked how XXXX XXXX was allowed to terminate the lease early without my knowledge and drive off of the dealership lot with a new car without having paid this said balance of $XXXX for two months or negotiating it into the cost of her new loan, but to no avail.8. In furtherance of the above, it is quite obvious that XXXX XXXX made some kind of “deal” in order to obtain and lease or refinance a vehicle, again without my knowledge. 9. As such, on or around XX/XX/2019 I contacted XXXX XXXX where she clearly said that it was for over mileage and nothing more. 10. Thereafter, I was told by XXXX, the GM customer service rep, that the car was already sold at auction but they got less than the asking price, so that balance of $XXXX must be paid.11. In furtherance of the above, I had told XXXX that I knew nothing about this, but he went straight to making a threat about my responsibility for paying this said balance in full or I would be put into collections and any missed payments would show on my credit report.12. Moreover, I continued to ask who is going into collections , why I was NEVER notified of any of these dealings and why I have not received a single document about the termination of the loan or how I am responsible for this balance owed, again to no avail. 13. In furtherance of the above, I was told that I don’t have any right to know anything, but I am being threatened with collections and now this balance has reappeared on my XXXX XXXX credit statement as a “car loan” after it had been officially CLOSED on XX/XX/2019. 14. On or around XX/XX/2019, I filed a complaint with the Consumer Financial Protection Agency letting them know that the loan was closed, removed from my credit reports, then re-opened using my personal information without my knowledge, without my consent and mostly without any written documentation.15. Moreover, I filed a dispute with XXXX who is claiming that the account is closed, but it is still showing up on my credit report. 16. Moreover, GM Financial and their authorized dealership worked out a deal with XXXX XXXX about the vehicle but made a mistake by misjudging what it would sell for at auction. 17. I asked that GM Financial send me this paperwork about the closed account and why it was re-opened, but to no avail. 18. I again filed a dispute with XXXX XXXX to have this balance removed from my credit report, but to no avail as it is still showing up on my credit report.19. GM financial has a habit of refusing to notify people of any type of changes to their accounts for months or not at all, but expects full responsibility for payments in full and will resort to threats or extortion of funds and claims that they are “unaware” of anything. 20. I have suffered significant XXXX, XXXX strain and a major hit to my credit score as a result of the mentioned parties aforesaid actions. 21. The mentioned party will make an attempt to strong-arm me for payment instead, put me in collections or put a missed payment on my credit report as a sick, twisted way to manipulate me. 22. I attempted to contact all mentioned parties to inform me or help my settle this issue, but to my detriment I have been significantly harmed as a result of same. 23. GM financial responded to my original complaint to CFPB but completely avoided the issue at hand and simply regurgitated information from the XXXX lease, thus never answering as to how closing and account, removing it from my credit statement, then putting it back as they see fit , claiming to have no knowledge of what’s going on.24. As such and as a result of the above, I want the GM financial account removed completely from all of my credit reports effective immediately. Thus I am seeking to file a complaint against all parties for lack of performance in handling this matter to which they are liable and for threatening collections or a financial lien against me, as this situation was completely out of my control and negotiations were made without my knowledge or consent.24. GM Financial and their authorized dealerships should be fined for fraudulently reusing my information without my consent to re-open an account that was already closed and removed from my credit history. 25. In furtherance of the above, GM financial is making it seem as if I am the only person on the loan, as only my information is showing up on the bill for payment. I certify that the foregoing statements made by me are true. I am aware that if any of the foregoing statements made by me are willfully false, I am subject to punishment. XXXX XXXX XXXX ALL DOCUMENTS ARE ATTACHED
Company Response:
State: NJ
Zip: 07470
Submitted Via: Web
Date Sent: 2019-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: We Paid in full a lease on a car to GM Financial Leasing in XX/XX/XXXX. We constantly keep receiving bills as well as phone calls for taxes due on the vehicle from XX/XX/XXXXto XX/XX/XXXXat which time we no longer have the car. We have given them all documentation as requested and still nothing resolved for months. It is affecting our credit.
Company Response:
State: CT
Zip: 063XX
Submitted Via: Web
Date Sent: 2019-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-17
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: Leased XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX, CA. on XX/XX/XXXX Was never told about disposition fee at time of signing. If we had, we would never have leased the vehicle. OnXX/XX/XXXX, I suffered a XXXX and have been unable to drive since. We continued with lease. My husband did all driving since then. When we turned in vehicle at end of lease XX/XX/XXXX, 2 months later received a bill for disposition fee of $XXXX plus tax from GM Financial, I went back to lease agreement and saw disposition fee. Contacted GM Financial and told them that I could no longer drive therefore could not buy or lease another vehicle. My husband had his own vehicle. I talked to at least 4 different individuals and got no where. A GM consultant by the name of XXXX who represents XXXX XXXX was suppose to contact me to discuss this problem. She never contacted me. I have made numerous calls to both XXXX XXXX and GM Financial to get help and they do not return my calls.
Company Response:
State: CA
Zip: 94952
Submitted Via: Web
Date Sent: 2019-08-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: GM Financial reported on yesterday that my account was 30 days late. I have never received a call or letter that my account was 30 days late. When I log on to my account it shows that my account is one day late and I have already made arrangements for this payment. This is the second time that my account has been reported past due 30 days and it wasn't. Also, the amount that tI owe and the balance they are reporting is not correct. It has never been correct. GM Finance is not being fair and is violating the Fair Credit Reporting Act. They are not updating my credit report accurately and timely. This impacts me negatively. I have never received written correspondence saying that my account was past due 30 days.
Company Response:
State: SC
Zip: 29681
Submitted Via: Web
Date Sent: 2019-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I leased a vehicle with GM financial in XX/XX/XXXX. 39 month lease. 100 % on time payments. At the end of the lease in XX/XX/XXXX I returned the vehicle. I received confirmation ( in the form of a document I have and signed ) that the 2 sets of keys were returned, the lease has ended, they received the car and the mileage allowed did not go over. I also have a condition report that the car was in perfect condition and dealership was going to sell it. However GM Financial since XX/XX/XXXX keeps submitting to my credit reporting agencies that I am late on payments for XX/XX/XXXX and XX/XX/XXXX and will keep submitting that I am late for every month until this is corrected. due to this incorrect reporting my credit score has dropped around 50 points. I have 100 % on time payments with everything including GM Financial. GM Financial computer system thinks I still have the vehicle and they think I still have payments so when they don't receive a payment they are reporting it late. It's impossible to make a payment on a vehicle that I do not have any longer, nor do I have an open account with GM Financial. When I call GM financial they keep apologizing and say that their records show I owe property taxes on the car, which GM Financial knows is incorrect because the car is in California and we do not have property taxes here. I have been disputing this since XX/XX/XXXX and yet GM Financial continues to report that I own the car and that I have payments. The vehicle has been sold and XXXX dealership confirmed that. My lease is up, I do not have the vehicle and I do not owe any money, especially property taxes. GM Financial refuses to correct it with their automated billing. This problem will never ever end and they will continue to report late payments every month and their computer system will not stop. I need your help to stop this. I have disputes with XXXX, XXXX and XXXX. All agree this is an error but can not stop GM Financial 's reporting late payments every month to them. Please please help me. I have never been late on any payments and this false inaccurate reporting by GM Financial has to end now. I have called GM Financial many times and they do not want to help and they do not want to look into the property tax charges, even the tax collector has called GM Financial to say no taxes are due, yet GM financial continues to say I owe taxes, but they are reporting it to the agencies as late payments. They are really a messed up system that doesn't want to help. i am praying you can help me.
Company Response:
State: CA
Zip: 92126
Submitted Via: Web
Date Sent: 2019-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A