Date Received: 2019-08-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had leased a vehicle thru GM Financial for 36 months, my account was on auto-pay and the lease was paid each month on time. On XX/XX/2019 i returned my lease to XXXX and wasn't told of any outstanding charges, Never received a bill or any correspondents i.e. Mail, Email, text, phone stating that i owe any monies. On XX/XX/2019 i received and alert from my credit monitoring of a delinquent account from GM Financial in the amount of {$600.00}. I immediately contacted GM Financial and was told two things one, that the amount shown was and the correct amount was {$430.00}, a charge hidden in the lease agreement ( not transparent and upfront ) for returning the vehicle and not leasing another XXXX vehicle. Second, they admitted to having a wrong address on file where they supposedly sent me the bill, I was told that they would they updated my address and that they would resend me a new bill with the correct amount and also remove the negative hit on my credit report and send me confirmation of that as well. I've been waiting ever since for those notices and NEVER received anything, Called many times thereafter and was told that notices were sent out still nothing was received. On XX/XX/2019 i contacted the again and was told the notices were again sent out but the wrong address '' again '' OOPS! what incompetence. I then requested to just make a payment over the phone and was charged an additional {$10.00} processing fee in addition to the {$430.00}. Again i was told that i will be receiving email confirmation of my payment and ad letter stating that the delinquent account will be removed from my credit score. The Money was drafted from my checking account but no email confirmation 'of course '. On XX/XX/2019 i received another notification from my credit monitoring of a new negative account this time in the amount of {$430.00} this is after the money was already drafted from my account. This is causing my a lot of stress as well as financial loss as i can't obtain credit for my business, cant take advantage of the lower interest rate to refinance my home etc.
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2019-08-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: GM Financial 's computer system committed an error and cancelled the already established automatic payment to this vehicle account ; triggering two late payments one year apart. ever since the inception of the loan GM has failed to establish the automatic payment appropriately, making it an unreliable method to assure consistent and accurate payment to my auto loan. after i spoke to GM 's representatives at XXXX i was told that GM for some reason expired the established payment method after every 12 months thus causing the damage. they said they would fix the reporting and that has not happened. most recently the month of XXXX has not elapsed and am already again being reported late even after the payments have been made on time. proof attached. consequently, my credit reflects two late payments caused by GM Financial 's error to maintain a reliable and accurate automatic payment method.
Company Response:
State: FL
Zip: 33324
Submitted Via: Web
Date Sent: 2019-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-13
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: My lease vehicle was involved in a car accident on XX/XX/XXXX. I was not the driver, my son was driving. I contacted GM Financial to find out what the next steps would be, if my claim was denied. I was told, in a recorded conversation by GM Financial, that " we would need to pick up the vehicle and sell it at auction. We would take that amount off the amount you owe and then we would file a gap coverage claim since all lease vehicles come with gap coverage '' I then called again to the Total Loss department and spoke with a different agent who stated they were waiting for XXXX to release the vehicle. I contact XXXX and the vehicle was released on XX/XX/XXXX and picked up by GM Financial on XX/XX/XXXX. Immediately after this, I had a credit alert notification that my vehicle was placed as 'Derogatory, Repossession ' My issue is the fact that after numerous calls ( nobody from GM Financial has reached out to me ) I was never once told that if GM picked my vehicle up that it would hit my credit as a repo ( this was over 200 points against my credit report ). I am devastated at this. I was never given the option, or choice. It is all in their recorded calls. I have left messages for a supervisor to call me back, and still, not one call. I continued making my lease payments since XX/XX/XXXX so my credit would not have a negative impact. I have never missed a payment, or made a late payment, and now this. No calls to explain to me what is going on. Please help! Kind regards - XXXX XXXX XXXX
Company Response:
State: MI
Zip: 484XX
Submitted Via: Web
Date Sent: 2019-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This complaint is not a duplicate tied to complaint XXXX. I pulled my XXXX credit report and found XXXX XXXX XXXX had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry or provide the signed application which is needed to file a FTC identity theft report. They did not delete the inquiry or provide the documentation required under section 604 of the Fair Credit Reporting Act. This is a violation of the law and they must comply be deleting the inquiry or providing the signed application, so an FTC identity theft report can be filed. Failure to adhere to the law will result in legal action.
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2019-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-13
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: XXXX Data Breach left me in financial Rouin. I can't apply for anything with out getting denied. This gross negligence of my consumer information has devastated my world and my finances. Even my Health. I know have XXXX XXXX, XXXX, XXXX, and XXXX all due to XXXX Data breach
Company Response:
State: IN
Zip: 46201
Submitted Via: Web
Date Sent: 2019-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XXXX XXXXXXXX XXXX I went on a medical leave of absence due to my XXXX XXXX from my employer XXXX XXXX. Located in XXXX, XXXX After making a phone call to Gm Financial 's customer service department to inform of the XXXX and attempt to make deferment arrangements, I was told that I could not obtain a deferment due to no payments being made on the account. I then called GM Financial again and spoke with a different representative. After explaining my situation to him, he obliged to helping. He advised that he could assist me if I could make the XXXX payment which was due XXXX/XXXXXXXX before XXXX XXXXXXXX XXXX I was advised to download the GM Financial app to my cellular device for faster payment service. A payment was initiated and processed on XXXX/XXXXXXXX @ approximately XXXX EST. The payment was made by XXXX XXXX XXXX XXXX my sister ) and was from her XXXX XXXX XXXX XXXX checking account ending in XXXX. The app asked for a XXXX digit account number, which XXXX XXXX XXXX XXXX XXXX not have XXXX digit account numbers, they are XXXX digit account numbers. On the XXXX XXXXXXXX XXXX My sister advised that she did not see the payment pending on her account and suggested I call GM Financial, which I promptly did. I was transferred to the " online Department '' who advised me that the payment was recieved and was not late and would be posted by XXXX EST. On Friday XXXX/XXXXXXXX the same representative that advised that I make the first payment in the amount of XXXX gave me a call to set up a deferment for XXXX and XXXX of XXXX. I advised him that my official return to work date was XXXX and that I'd be able to catch up. The representative set me up with the deferment and gave me a pin number. When I tried to follow the link to put the pin number in, it said there was no match to the account. I attempted to contact GM Financial on Saturday XXXX to find out their offices closed at XXXX EST. I attempted to call on XXXX and got an automated message saying " Due to unforseen circumstances, our offices are closed and will reopen tomorrow. I then contacted GM Financial again, Tuesday XX/XX/ and was advised that the payment was not recieved, stating that the account number " was not found. The payment was immediately mafde via telephone representative with the very same account number and was processed immediately. To no fault of my own I now have a missed/ late payment recorded on my credit file. This has plummeted my credit score 75 points. Not to mention my daughter XXXX XXXX XXXX is the cosigner whose credit score plummeted 92 points because of this.
Company Response:
State: PA
Zip: 19320
Submitted Via: Web
Date Sent: 2019-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-07
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: GM Financial Account XXXX - GM Financial has dropped my credit score from over XXXX to XXXX, and is not even hearing me out - I have submitted a lengthy report with supporting documents to them through the XXXX - I am now at the end of the lease and my credit is bad and it is all because of them - They tacked on a fee which was never communicated to me, and was never explained - I tried to pay for it, correct it, dispute it and simply just ask what it was for - After 3 years of phone calls, emails, website messages, and paying extra, they did not help - All I wanted was to get current on payments, ( So I could set it and forget it with auto payments ) - You cant set up auto pay with them until you are current - This was difficult, when the fees and calls for fees with no explanations, keep coming in - I have a detailed list of all the employees, employee IDs, dates, and correspondences - I have the Account Payment History they sent me, my hand written log, my bank records to match it - I have everything you could possibly ask for - What I still dont have is the original reason/date/amount, that started this late payment or fee - None of this would have happened in the first place without this first fee discrepancy - This unexplained, non-communicated fee or charge is the catalyst for my entire payment history with them Reasons GM said I might owe : - System Issues - Missed payment possibly ( XX/XX/XXXX ) - Local taxes - 32-Day late fee - Missed payment possibly ( XX/XX/XXXX ) - Missed payment sometime between ( XXXX XXXX ) To this day, all they have to say in response is a letter that ( STILL HAS THE WRONG ADDRESS ON IT! ) : Upon review of the account payment history, our records reflects the payments in question for XXXX, XXXX, and XX/XX/XXXX have been applied to the account. ( XX/XX/XXXX ) This does not explain anything. It does not explain the original fee that started the problem In fact, it does not even explain any missing payments at all! It simply says all payments have been applied This is not even why I contacted the XXXX on them! This letter they sent ( I have attached ) is so bad, it didnt even fix one of the possible problems of my address in the top corner. And if that isnt bad enough, they sent the same response letter with the incorrect address twice! My complaint is that they ruined my credit with no explanation. I DID find a missing payment, but that was way after the fact, and because they would not let me get current so I could use auto pay. Furthermore they didnt even find that missing payment, I did! And in good spirit I admitted it during my research for my XXXX response. They didnt even find or communicate that one to me. Summary- Sometime in the beginning of the lease they charged me a fee and didnt tell me. When I caught it a little bit later, they couldnt explain, it and told me to ignore it. This is when the many reasons started coming in After some waiting, I began faxing them proof of payments, emailing them, calling them, being told to wait again I paid late fees, and anything I could to try and end it. Recently I reached out to the XXXX. No Luck there. So now I am in need of a new car, and my credit is making it too expensive to get one. I have attached all of the XXXX documents, with dates and references.
Company Response:
State: FL
Zip: 33417
Submitted Via: Web
Date Sent: 2019-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I was contact by way of a bill from the IRS stating that I owed approximately four thousand dollars. I Then contacted via a phone call to inform them that this must be a mistake, and was told that a 1099C form was filed by a company by the name AmeriCredit to which I have not heard of before, my research lead me to GM Financial, I then contacted them by phone to inquire about this account and made it clear that I was unaware of this account existence, I was then told by the GM rep I need to file a fraud report and wait for them to investigate, but never received the documents for their internal investigation. After waiting a month, I then sent my own letter to GM Financial/AmeriCredit, which was received on XX/XX/2019, XXXX XXXX Delivered, Front Desk/Reception/Mail Room XXXX XXXX, TX XXXX. In this letter I informed GM Financial that they had filed a 1099 C with the IRS in error and that they should contact the IRS to resend that the 1099C they filed or provide me with evidence that the information was not filed in error. As I explained to Gm in my written statement, I was on aware of this account and that the following documents, should be provided. A contract with my signature that created this transaction, and agreement made between myself and GM or any of its subsidiary to settle this alleged forgiven debt, payments history of the alleged account, and a copy of the 1099C form that was filed with the IRS. I am reaching out to the Consumer Financial Protection Bureau because my request for these documents to prove to the IRS whos coming after me for this supposed forgiven debt has gone unanswered by GM financial.
Company Response:
State: NY
Zip: 11413
Submitted Via: Web
Date Sent: 2019-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-05
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: This account has been on my report since 2008. Remove the tradeline. Im tired of this being on my report for know reason law says 7 yrs. And it has been 7 yrs. GM financial is the worse vehicle loan company. No where in my contract did it say that if you sell the vehicle at YOUR WILL am i responsible for the balance. I will continue fighting this until resolved.
Company Response:
State: FL
Zip: 32765
Submitted Via: Web
Date Sent: 2019-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-05
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: When I started the vehicle lease in XX/XX/XXXX I purchased extended coverage for excess wear and tear protection up to {$5000.00}. When the lease was returned, I was provided the lease inspection report and told that a final bill of the charges would be sent out. I have not yet received the bill. I have spoken with GM financial on 4 different occasions starting on XX/XX/XXXX when the final charges were reported on my credit report, then on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX trying to get a copy of my final bill needed to submit for payment against the coverage. I have been informed the bill was sent onXX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX not available for view, electronically through the GMfinancial website and my online account, and I have requested on multiple occasions to have my bill sent to me. GM has provided no resolution to me not receiving my bill in the mail and refused to send it to me electronically to ensure receipt. It is nearing the time that payment would be due to avoid any negative credit reporting to the credit bureaus. I have also explained to them that I will be moving which will further delay me receiving a mailed bill because it has taken them over a month to issue the statement.
Company Response:
State: UT
Zip: 84120
Submitted Via: Web
Date Sent: 2019-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A