Date Received: 2019-06-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: GM Financial currently has payments over 30 days late during XX/XX/2018 reporting on all 3 credit bureaus.
Company Response:
State: VA
Zip: 23464
Submitted Via: Web
Date Sent: 2019-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Called GM Financial. They told me they had not updated the credit report. So the amount reported includes both the end of lease charges and the payments I have already made. I advised them that the information was inaccurate. They did not take any action on this matter.
Company Response:
State: MI
Zip: 48236
Submitted Via: Web
Date Sent: 2019-06-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have repeatedly attempted to resolve this issue with this creditor GM financial. This company is well aware that this account is a result of identity theft and continues to collect and report this fraudulent account on my credit report. I have contacted this company, disputed this, contacted the credit bureau numerous times, and this company have repeatedly defamed my character. As of today this account still remains in my credit file even tho Ive advised them of the identity theft and provided documentation. I have provided suspect information. Identified the woman XXXX XXXX in a line up at the police department, sent the police report to the credit bureaus as well as this company GM Financial and this company still is violating the law. In XXXX of 2019 this company sent this fraudulent account to a collection agency still attempting to collect on an identity theft account ... I am reporting this company and filing an official complaint as this company will be held accountable if they continue to report this account in my consumer file ...
Company Response:
State: VA
Zip: 22309
Submitted Via: Web
Date Sent: 2019-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-08
Issue: Struggling to pay your loan
Subissue: Problem after you declared or threatened to declare bankruptcy
Consumer Complaint: I had a lease with Gm Financial and I was 5 payments late which actually ended the lease they charged the vehicle off stating that I owed XXXX that is the total value of the car and exceeded the XXXX dollars that I may owe and that should be realized when thay send me my final bill. How could they charge the vehicle off and have possesion of the vehicle.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2019-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: GM Financial is reporting my account late for payments in XX/XX/2019. I have not been late on my car loan in XX/XX/2019. There was one incident where I had a typo on the information on their website and I called them to correct it and no one was able the verify the inputted data so I reentered it. There has been times in the past where GM got double payments because I thought the info was incorrect and resubmitted because they stalled on debiting the payment. GM Financial needs to update my credit report immediately. I am not late for XX/XX/XXXX because it has not been 30 days past XX/XX/XXXX which is my payment due date which is current. I paid them for XX/XX/XXXX. I want my account information updated with all the credit reporting agencies immediately. It is a huge disservice to me as their customer to have to go through this.
Company Response:
State: VA
Zip: 23669
Submitted Via: Web
Date Sent: 2019-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: We were looking for a new car at XXXX XXXX GMC located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL. We never came to an agreed price for the vehicle or our trade so how could they possibly put through a loan app. not knowing how much we ; d need? Without our permission or knowledge they sent out multiple " Indirect Loan '' inquiries. We are now receiving letters of rejection from XXXX XXXX, XXXX XXXX, and XXXX knows who else 's rejection is headed here! They have messed up our credit history and the wrong information now needs to be corrected. They had no business doing this without notifying us. We have our own banks, we'd never have dealt with one of theirs. We've filed complaints with the XXXX, GMC, XXXX and now the CFPB. The sales person told us she was going to check our credit rating not apply for a {$27000.00} loan for a used car with a sticker price of {$21000.00}!!
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2019-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-03
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: The early part of XXXX GM financial mailed out and emailed out information that their website would be undergoing a total reconstruction that their website basically would be down for approximately a month or so they also sent out letters saying that the website would be a big inconvenience to GM financials customers A lot of the emails was headline providing the service you expect preparing for service outages and also service is servicing your account is our highest priority they told us initially in the emails that the website would be down for only about 30 days but it was down possibly about 7 to 8 months. And also it was reporting in accurate balances on my account but GM financial when I would call them they would give me an accurate balances which I paid on time the website showed that I made the payments and also showed an accurate totals of accounts when they finally updated their website it showed that I was behind on my account and I was 30 to 60 days past due due When the website was finally updated and they reported it to the credit bureaus I would also like to add that they didnt report any activity of credit reporting for approximately eight months which is a clear violation of the fair credit act when you call their customer service and tell them about the issues that youre having with their credit reporting they tell you that they cant help you in any kind of way due to fear credit reporting I went through my bank accounts financial statements in it show that in those nine months I made the payments but GM financial deals with XXXX XXXX to process their payments and XXXX XXXX processed their payments Incorrectly sometimes taking 3 to 5 days for the website to update I may make a payment and it doesnt update for up to five days which they are giving people 30 day late and youre only late 27 to 28 days but just because XXXX XXXX doesnt process the payment they are reporting in accurate reporting on Consumers credit reports. I would also like to add that all three credit bureaus are reporting 30 and 60 day late and some of the months on this account shows that no data available is reporting from GM financial but when I look at my GM financial account and pull up my statements the information is on GM financial statements but they are not reporting it to the credit bureaus In the month of XX/XX/XXXXI have 3 to 4 no data available .... 1 60 day late. 4 30 late All in the year of XXXX the same months that their website was being updated the website was reporting accurate payments been made I have proof from my bank statements and proof from XXXX XXXX emails whats the payments was made GM financial doesnt offer any help to fix any credit reports or any false reporting due to their mistakes reporting to credit bureaus I would also like to add that this has just happened in the month ofXX/XX/XXXX I made the payment onXX/XX/XXXXin on XX/XX/XXXX it doesnt show that the payment was made but they set a 30 day late over to the credit bureaus that I was 30 days late because their system hasnt updated yet thats what I was told by customer service I feel that they are in clear violation of the fair credit reporting act
Company Response:
State: MI
Zip: 48224
Submitted Via: Web
Date Sent: 2019-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX IS FALSELY REPORTING 9 HARD INQUIRIES AND WANT THEM TO DELETE TODAY, THESE ARE UNAUTHORIZED.
Company Response:
State: AR
Zip: 72712
Submitted Via: Web
Date Sent: 2019-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Back in XX/XX/2018 I went to finance my first car. I went to a dealership and authorized them to run a couple credit lender inquiries in the local area. I had no prior credit, and used a co signer to help get me accepted for a loan on a vehicle. While on XXXX XXXX I noticed there are 9 hard credit inquiries that I had no idea even took place. I would like them removed prior to the two years from my credit report so my score will be better. In the end, I chose one lender which is not even listed on the inquiries below. My biggest concern is minimizing the amounts showing as it was for one automobile loan, and the dealership ran that many without my knowledge. Inquiry details ... XXXX Inquiry from XX/XX/2018 Misc. XXXX XXXX Inquiry from XX/XX/2018 Automotive Americredit Inquiry from XX/XX/2018 Finance XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX Inquiry from XX/XX/2018 Bank XXXX XXXX Inquiry from XX/XX/2018 Bank XXXX XXXX Inquiry from XX/XX/2018 Credit Union XXXX Inquiry from XX/XX/2018 Finance
Company Response:
State: IL
Zip: 629XX
Submitted Via: Web
Date Sent: 2019-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-28
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: gm financial is on my credit report saying i owe them XXXX and i have never bought or leased or even been on their car lot. i disputed this before and was given the run around. i wantedthem to produce some paperwork with my signature and never heard anything and it is still on my credit report
Company Response:
State: TX
Zip: 77304
Submitted Via: Web
Date Sent: 2019-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A