Date Received: 2019-08-02
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I purchased a new XXXX XXXX XXXX in XXXX with a down payment of {$15000.00} & a XXXX XXXX with a {$7000.00} down payment on XX/XX/XXXX I learned from the VP OF GM FINANCIAL that they had made a business decision not to do business with me any more and they either 1 needed their collateral back 2. needed a payment in full 3. I could let them repo the vehicle and id have ten days to pay off or they where going to court in front of a judge to force me to turn in the truck and the only payment options we had where in cash at a XXXX XXXX or certified check & the account had a payoff of {$64000.00} for the XXXX and {$42000.00} for the XXXX The purchase price for the XXXX was {$60000.00} and {$40000.00} for the XXXX ON XX/XX/XXXX I made 2 payments I paid what the print out of the payment said ( see attached ) 1 payment in the amount of {$5000.00} and another for {$270.00} for the XXXX and {$3200.00} for the XXXX they received the funds that same day I called on XX/XX/XXXX and asked why was my balance still {$64000.00} & {$42000.00} when my account balance was {$60000.00}. &. {$40000.00} and I had just paid almost XXXX between both accounts they did not want to explain or couldn't explain why so I went to the XXXX dealer and the finance manager was more confused then myself. I called XXXX XXXX which is the only person that can give me any information about my accounts according to CS at GM FINANCIAL and she tells me that the payments where rejected and id have to contact XXXX XXXX to recover my funds and the accounts needed to be paid in full so I tell her ok no problem I called a credit union which approved me and half way thru the process they inform me of a situation that was preventing them from completing the refi and that id need to call FL DMV. FL DMV explain to me that there was a stop placed on my vehicle 's TITLE and that id need to call GM. GM explained that they placed a freeze on the title until it was paid off I explained to them I was trying to pay them off I was doing a refi thru my local Credit Union and that with a title stop they where unable to complete the refi they refused to help me and explained that they where not going to allow me to refi or pay off the account and that the only option I had at this point was giving them my address so that they could recover their vehicles this was on XX/XX/XXXX I called XXXX XXXX to recover the 3 payments that had not been applied to my accounts and rejected according to GM Financial XXXX XXXX explained that they where not rejected and that they would have to email GM to get a refund for me to contact them in 24 to 48 hours so I called 48 hours later GM replied that the payments where applied to the accounts no refund. so I have no refund the 3 payments I made where rejected and not applied to my account but they were not refunded to XXXX XXXX or to myself and they will not remove the title stop so I can't refinance although already approved with new bank ready to take over and ay them in full
Company Response:
State: FL
Zip: 33193
Submitted Via: Web
Date Sent: 2019-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-02
Issue: Problems at the end of the loan or lease
Subissue: Termination fees or other problem when ending the lease early
Consumer Complaint: I paid off a lease and bought a XXXX XXXX from GM Financial in XX/XX/XXXX. Months later I received multiple calls about owing them {$190.00}. I asked to receive an itemized invoice of what was owed, and stated that I would pay it if appropriate. I received multiple explanations over the phone, including the first representativee I spoke with telling me it must be a mistake ( which I thought plausible with this company as it took me 4 months to get the title - I will not detail that runaround ), to I can't tell you what it is for, to it is for property tax paid on my behalf ( yet they were not able to tell me who they paid the property tax to and for what period of time ). To this date I have not received any documentation as to whom they paid or for what time period. I moved to XXXX, VA in late XXXX and paid a property tax bill from them last year and I shared those details with GM Financial. I have attached an account statement from XXXX, XXXX saying my balance with GM Financial was {$0.00}. It was after this time that I began to get calls demanding payment. I have also attached the limited invoice that I ultimately received in XXXX, XXXX, and to which I begrudgingly paid, that still had no detail as to why I owed them money. Nonetheless, GM Financial reported my delay in payment to credit agencies earlier this year, negatively affecting my credit rating.
Company Response:
State: VA
Zip: 23435
Submitted Via: Web
Date Sent: 2019-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-01
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: On XX/XX/19 I turned in a lease XXXX ( GM ) and due to GMC loyalty was informed that GM will handle all origination fees/payments remaining. 110 days later I received a phone call from GM demanding {$800.00} dollars for lease return. I immediately called the dealer XXXX XXXXXXXX XXXX XXXX/and we had a conference call. General Motors apologized and sent an email to me apologizing for the error and claimed all origination fees and wear and tear was taken care of and balance was XXXX. The Robo calls continued from GM and no real person continually. I would call GM and they claimed I still owed XXXX plus. Mind you I never received an invoice from GM. Yet they claimed they mailed an invoice. Again I was informed that my credit hit would be corrected and apologized for the error. To date I have I still have a negative hit on my credit score that I worked 40 years to keep a perfect score. I was informed by General Motors that negative hit will be removed and that they will make contact with the credit reporting bureau! Yet Im informed by XXXX that the negative remark will remain even though I provided an email from GM apologizing and writing to inform me that they will be in touch with the credit bureau to remove the negative remark. Dealing with General Motors has been my worst nightmare. Every advisor I spoke with had a different story and informed me that my Acct was settled. Yet the robo calls continued by GM and couldnt talk to anyone! Had to call each time hearing a different story and told that my case went to a different division. I still ended up having to pay {$540.00} plus which I was informed in the very beginning that these charges would be waived and my credit hit would be repaired. I had a perfect rating and GM ruined all of it. Ruined my perfect credit score. I have a new vehicle XXXX XXXX. Had I known that this unbelievable lies would occur and continual harrsement with Robo calls and different story each time by GM reps, I would never have purchased a other GM automobile. Once this existing lease is up my family and friends will never buy or lease a GM vehicle again. Promises made that Im a loyal customer and all fees waived including 2 remaining payments. So we went with another lease and traded in the existing car. 110 days later I get a phone call demanding {$800.00} dollars by GM and never knew that there was an issue. They claimed they sent invoice. Ive always paid every creditor on time for perfect credit score! GM ruined my perfect credit score and not fixing it as they promised. Never again will I purchase s other GM vehicle. The internet is full of complaints with lease end issues. The Robo calms are a joke. Its a recording and continual. Yet every agent I talked to had a different story on my Acct. I still ended up having to pay {$540.00} & I dont even know why. I was Informed by the GM agent that all this will be corrected after my dealership did a 3 way conference. Yet nothing was corrected. I hate my new vehicle due to GM ruining my perfect credit score that I worked so hard to get. And never realized there was an issue being informed that all fees are waived when I traded in my lease to get into a new lease offered. Robo calls with a recording are stressful and conversations by agents that claimed all will be taken care of and not to worry. Yet they went from XXXX demanding payment - then dealer told GM agent to correct and informed all is good. Yet Robo calls continued and I would have to call them. They would demand payment this time {$540.00} when I was informed all fees waived and GM apologized for the confusion. Such lies. I will never buy from GM again. The complaints on line about lease returns into the thousands. This kind of abuse and lies by GM needs to stop.
Company Response:
State: FL
Zip: 34787
Submitted Via: Web
Date Sent: 2019-08-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-31
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: A XXXX XXXX was leased through me in on XX/XX/XXXX for my wife at the time. In XX/XX/XXXX, my wife and I were going through a divorce and she was going to obtain the lease on the vehicle since it was her vehicle. Paperwork was filled out and the lease take over was approved by GM Financial. Once the final paperwork was filled out and sent back, we were notified that she must resubmit the application paperwork. Once the paperwork was resubmitted a second time, GM Financial denied her taking over the lease. The courts approved that the lease and everything that pertains the vehicle is her responsibility as of XX/XX/XXXX. Due to GM Financial denying her in XX/XX/XXXX, my ex wife dumped the vehicle on me and walked away. The courts mandated that the vehicle be returned and see what was to be owed on the vehicle. Once the bill for the returned vehicle came in, it took several months and numerous court appearances to get my ex-wife to pay the bill from GM Financial for the returned vehicle. She finally paid the bill in XX/XX/XXXX. During all this time, an open bill fro {$7500.00} remained unpaid on an account which was originally opened in my name and social security number.
Company Response:
State: CT
Zip: 067XX
Submitted Via: Web
Date Sent: 2019-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: GM Financial # XXXX is reporting a late I shouldn't have. I had just moved and they hadn't sent me any statements, by the time I got one it was too late and I had the late payment on my account. I would like for this to be removed.
Company Response:
State: UT
Zip: 84003
Submitted Via: Web
Date Sent: 2019-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I returned a leased GM vehicle XX/XX/2019 and received a bill dated XX/XX/2019 onXX/XX/2019 stating amount due for disposition fee and damages {$1100.00} due by XX/XX/2019. I called in and disputed some of the damages since the vehicle was not picked up until XX/XX/2019 and had been moved to a different location where possibly some damages may have occurred during the move. I asked what my options for payments were and was informed {$180.00} per month until balance paid. I received notice on my credit card statement I had a delinquent report from GM financial XX/XX/2019 in the full amount of {$1100.00}. I called XX/XX/2019 and questioned customer service why they reported me late and she said they would correct it and I set up payments and paid {$180.00}. I checked my credit report and she had corrected the XXXX XXXX but not the experian report. After numerous calls to GM financial I was in formed that they could do nothing and I would have to contact experian directly to correct it. I called experian and was told they could submit a dispute to GM financial but could not remove the delinquency and suggested contacting CFPB.
Company Response:
State: SD
Zip: 57108
Submitted Via: Web
Date Sent: 2019-07-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-25
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: My car was repossessed and then I paid the amount past due, next payment due and all fees totaling {$2100.00}. Bringing my acct completely current on XX/XX/XXXX. This included my XX/XX/2019 payment. Then 2 days ago I got a call saying my acct was past due for XXXX and XXXX. I had this investigated and the result was the system is applying payments incorrectly and they don't know why. It can not be fixed so they offered me a deferment of the 2 payments. I took this deferment so my credit isnt adversely affected any further. However, i paid XXXX payment already. Now I'm expected to pay it again at the end if the loan at 18 % interest. Their computer system is wrong and they are aware and not correcting this. How many other people has this happened to and how much money ate they making on interest by applying payments wrong. This is a major violation of the consumer rights! Please look into this!
Company Response:
State: NH
Zip: 038XX
Submitted Via: Web
Date Sent: 2019-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Company Response:
State: GA
Zip: 30046
Submitted Via: Web
Date Sent: 2019-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I pulled my XXXX credit report and found Americredit Financial Services had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry and they have not responded so I am filing a complaint.
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2019-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2018 Americredit Pulled my credit after sending a letter stating that they didn't the following attachment you will see the letter.
Company Response:
State: IL
Zip: 60564
Submitted Via: Web
Date Sent: 2019-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A