Date Received: 2019-07-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: In XXXX of XXXX my car was repossessed due to late payments. They show me 30 days late in the months leading up to the repo. They had a technical glitch that affected thousands of customers. In a press release they promised no customer would be compromised. I'm not sure if the glitch was the problem but here is my concern .... In XXXX of XXXX they are reporting to the credit agencies a payment of {$970.00}. After a year of my car being repossessed I've finally managed to figure out with GM Financial customer service that they received a payment of {$480.00}. Because of their error and complications on making payments because of their glitch, my payments showed late when they were supposed to be a month ahead. I tried resolving this with them but they said they said I did not have an account with them. I never received all the proper documents when my car was repossessed and only found out when the lot my car was towed to called me to have my personal belongings picked up. Finally a year later I'm able to confirm with GM account details. But every call I make to them they send me to different departments to answer my questions. But with no resolution. I was given no opportunity to make right on my loan because of their negligence and am seeking help to resolve the matter of their wrongful and unlawful reposession.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2019-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-21
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/2019 a payment was made from XXXX XXXX XXXX XXXX, for the amount of {$590.00} sent to XXXX XXXX ( GM Financial uses XXXX XXXX as a 3rd party for online payments ). The amount was never applied to my GM Financial account. I had to make a double payment on XX/XX/2019 from my bank XXXX XXXX, that payment was applied to my GM Financial account. I had made several attempts to contact both XXXX XXXX and GM Financial but have not been successful of getting a response. My Attorney wrote GM Financial a letter on XX/XX/2019 but as the present have not got a response from GM Financial.
Company Response:
State: CO
Zip: 80104
Submitted Via: Web
Date Sent: 2019-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX, XXXX, XXXX of XXXX is missing payment information and XX/XX/XXXX 2019
Company Response:
State: PA
Zip: 15146
Submitted Via: Web
Date Sent: 2019-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Below is the email that was provide to GM Financial on 3 separate occasions receiving no response either times it was submitted. The letter was sent to address what I feel is an unwarranted 30 day late on my credit reporting. The first letter was sent on XXXX XXXX to an email address provided by an XXXX with GM Financial. This was sent after multiple calls with representatives XXXX, XXXX, and XXXX produced no result. The second time this was as the result of a call I received after filling out a satisfaction survey GM Financial had sent me. XXXX XXXX reached out to me for clarification after my survey. After discussion, she asked me to forward her the letter. After 2 weeks I reached out again and she said she did not receive it. I sent it again to her on XX/XX/XXXX. She responded that she receive it and would review with leadership and update me with progress. I have received no follow-up to date and even emailed XXXX on XX/XX/XXXX to ask about it. Obviously both times I have waited longer that the 30 days I believe they have to respond per regulations. The letter read : On XX/XX/XXXX ( XXXX ), I was left a message with a return phone number to call. I was not able to return the call that day but when I got the same call the next day I was able to respond. I was alerted that my GM Financial account # XXXXXXX was past due for a XXXX payment. Not believing that to be the case, I looked into it and found that the payment never came out of my bank account even though I set it up on GM Financial website the week of XX/XX/XXXX. I remember this specifically because I did this before going on vacation the following week. First, something went wrong and I have every reason to believe it was something within the GM Financial system. I have spoken with 4 people now in regards to this from GM Financial. XXXX told me in regards to the website not working right, Yeah, we get that a lot that there is problems.. XXXX also said there can be problems, and XXXX told me roughly, It is technology so there is going to be problems with it. Secondly, I find it ridiculous that GM Financial did not make contact with me and leave me a message until the payment was nearly 50 days past due. I have been told that calls were made in XXXX, but that was to the home phone number that we no longer have. No one made an effort to call me on the other numbers that were on file until XX/XX/XXXX??? That is unacceptable and is the fault of GM Financial. I would have taken immediate action to make the payment had I been aware of the missing payment. Additionally, I was accustom to receiving confirmation emails when I made payments. When I was made aware of the missing payment, I immediately looked for this confirmation email. I found that my confirmation emails were always received up until XXXX of XXXX. Then I received one other in I believe XXXX. I had made NO changes to my account that would have affected this change in my notification. In fact, until speaking with XXXX, I did not know these setting were even available to me on My Accountonline. Again, GM financial is responsible for this error in my notifications as something or someone within GM Financial made these changes. I am requesting that the 30 day late that will be reporting on my credit be deleted. I have had credit problems in the past due to loss of employment, but that has been corrected and I have worked very diligently for several year to make all my payments on time. There is more than enough here to assign fault to GM Financial, and I insist this is taken off of my credit reporting. I have spoken with several GM Financial people and all have made excuses as to why this is not GMs fault, but this is without doubt problems with several aspects of GM including the technology and communication. I am frustrated that this needs to be communicated to the department that can make this change for me through a letter. I do not feel this is customer service at all. I would like someone with the authority to make this change to call me to discuss this situation. I can be reached at XXX-XXX-XXXX and please leave me a message with a number to call if I am unable to answer. There is no reason that this should take more than 3 to 4 days to resolve. Please contact me right away, as I have other credit actions that I am looking to make in the immediate future.
Company Response:
State: MN
Zip: 55016
Submitted Via: Web
Date Sent: 2019-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-18
Issue: Problems at the end of the loan or lease
Subissue: Termination fees or other problem when ending the lease early
Consumer Complaint: I am the cosigner of a vehicle that was leased through GM financial. The account number is XXXX. The lease was terminated early and I was NEVER NOTIFIED of this said termination. I was not sent any information from the dealership or from GM financial. This is illegal to not notify me of a lease termination. I was receiving monthly bills during the lease to ensure the payments were being made on time. I received notification via email through my credit report stating that the said account was closed and that there was a {$0.00} balance on XXXX XXXX, 2019. On XX/XX/XXXX I received an email stating that on my credit report that the account was re-opened with a balance of {$4800.00}. The account was finalized on XX/XX/2019 but I was still NEVER NOTIFIED of any of this. GM financial should have notified me of the closing of this account as well as a remaining balance as it is their vehicle. The primary on the lease should have never been able to trade in the car or walk away without paying the over mileage or the last two payments on the lease. This was all done without my knowledge. Someone XXXX up and dropped the ball and now they are re-opening a closed account. I have the emails stating the closed account and the {$0.00} balance. THIS IS ILLEGAL TO HAVE NOT NOTIFIED ME!!!!!!! I have called an attorney as to the legality of not notifying me.
Company Response:
State: NJ
Zip: 07470
Submitted Via: Web
Date Sent: 2019-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Just after I got an auto loan with GM Financial in XX/XX/2018, I had two unexpected life events. The first one was the sickness and later dead of my father, unfortunately he was diagnosticated with XXXX XXXX in XX/XX/2018, his sickness impacted my household income, I didnt expected a situation where my full income went straight to my family basics needs when I applied for the loan. To make everything worse I was impacted by the destructive wildfires across all California in 2018, I was impacted because the wildfires prevent me to access to my workplace and continue working. It was a time that my work was completely stopped by weeks, at some point inconsistent. As result of the wildfires my income was reduced for less than the half, but it was a disaster out of my control. With my father in the hospital I was paying all the basic life bills and expenses as food, electricity, rent, etc. with a reduced income. With the time my father passed away, but then I had to get enough money to pay a funeral. From someway or other I made my vehicle payments, but not in the right time due to those catastrophic events ( My father sickness and later dead and the 2018 wildfires season in California ) out of my control, Life happens. As results of all these my credit history was destroyed, I called GM Financial to ask for a relief or forgiveness with the late payments in my credit history, but they were unable work on it, even when the 2018 Wildfires in California were National Emergency. I am not asking for a forgiveness in money, I am just asking to delete or remove the late payments in my credit history, the creditor should provide a relief due to Catastrophic and National Emergencies like this.
Company Response:
State: CA
Zip: 93305
Submitted Via: Web
Date Sent: 2019-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My wife was checking on a new truck and I told her that I did not want the people doing a hard inquiry on my credit and they said they wouldnt. Instantly I received 10 hard inquiries and I want them taken off and something done to them. Its the XXXX dealer in XXXX Louisiana. XX/XX/2019
Company Response:
State: TX
Zip: 759XX
Submitted Via: Web
Date Sent: 2019-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: We purchased a vehicle in XXXX from XXXX XXXX, who contacted GM Financial for funding. We were denied credit through GM because of a report from XXXX , XXXX, a credit reporting company we have never heard of. Our credit scores with XXXX, and XXXX are all in the 700 's, and feel something is wrong when a company people have never heard of are able to report things. Also, we were approved for our loan by another company, and it has taken GM over two months to send us any notification.Have been told by others GM approves only wealthy people. GM needs to be stopped from using a company that people have not heard of for credit scores, to deny credit. I wonder how much they pay this unknown company to report this stuff. XXXX needs to be shut down for giving credit reports that are not only way below others, but have no business reporting untrue facts. I urge anyone who has been denied credit by any company, and XXXX to file reports with The Consumer Financial Protection Bureau.
Company Response:
State: MO
Zip: 64151
Submitted Via: Web
Date Sent: 2019-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-16
Issue: Loan payment wasn't credited to your account
Subissue:
Consumer Complaint: GM Financial upgraded their System in XX/XX/2017. Nothing has been correct since. Ghost payments due show up on your account ( happened for a year each month ). I schedule payments for withdrawal from my account receive email confirmation and then they either dont take them ( happened this month, again ) or they do it days after it was to be done. I call and what I am told does not reflect what my online statements say. I want a complete forensic accounting of my account PERIOD!!!
Company Response:
State: CA
Zip: 954XX
Submitted Via: Web
Date Sent: 2019-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: GM FINANCIAL IS REPORTING THAT A LATE PAYMENT ON MY BUREAUS.I HAD NEVER PAID LATE OR MISSED A PAYMENT
Company Response:
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2019-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A