Date Received: 2019-05-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On Saturday XX/XX/XXXX I called XXXX XXXX to make a payment for XXXX 's payment as it was due before XX/XX/XXXX on Monday as it would be consider late. The lady said I qualified for a payment deferment and I said great and next payment would be due XX/XX/XXXX. The lady mentioned she completed for XX/XX/XXXX and took payment for the interest. I had ask the lady that if my payment is due on the XXXX would it be considered late. She said no since I did the deferment on the XXXX and took payment for the interest ( which came out of my account on the XXXX ). On the XX/XX/XXXX I received a alert from XXXX XXXX that I was 30 days pass due on my XXXX. I called right away to XXXX XXXX and asked them why this was done. They said they see that the deferment was done on the XXXX but the interest payment was taken out after the due date so it's considered late. They said to dispute with their department and I did but they did not see a dispute???? I asked the lady who made the payment deferment and she assured me since it was done on XX/XX/XXXX it would not ( which I trusted since it was before the date needed to be made ). This is an error on XXXX and customer service rep who seems as they did not know their process on payment deferment. Or I would of just made my payment on XX/XX/XXXX if that was the case. Please remove lates for all three credit reports.
Company Response:
State: OH
Zip: 443XX
Submitted Via: Web
Date Sent: 2019-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On or about XX/XX/18 an inquiry showed up on my credit reports from GM Financial that does not belong to me. I have never applied to any place by this name. I never heard of them. I did not authroize anyone from here to pull my credit. This is NOT mine.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-21
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: As of late XXXX of XXXX, I have been contacted repeatedly regarding my account being late by GM Financial. I was advised that the amount paid on XX/XX/XXXX was credited toward some alleged balance on our prior lease. This payment was made ( actually overpaid ) for XX/XX/XXXX on my current lease. I was advised that I still owed the amount for my current lease and all applicable fees. I was advised by the GM financial rep that the payment made on XX/XX/XXXX was applied to " excess wear and tear '', which I had not been previously informed of nor had I signed off on any acknowledgement of said alleged damage. The GM financial rep advised me to contact my local dealership where the transaction was performed, which I did. On XX/XX/XXXX, a representative from my local XXXX dealership advised me that he had spoken with GM Financial and found that not only was there not an account balance on my previous lease, but that I had overpaid on this lease. This was acknowledged by your company when you issued me a refund for overpayment on previous lease on XX/XX/XXXX. I made several follow up calls to GM Financial, beginning on XX/XX/XXXX, regarding whether or not the refund that I received on my previous lease was part of the payment that was made in XX/XX/XXXX. I was initially advised on XX/XX/XXXX when I spoke with an operator named XXXX and and XX/XX/XXXX when I spoke with a female operator named XXXX that the refund that I had received in XXXX of XXXX had nothing to do with the current lease and that the payment would be applied correctly to my account " as soon as a manager approved it ''. I continued to check my online statement and found that not only was the " missing '' payment not applied, but that they continued to assess late fees to my account. I continued contacting GM Financial to attempt to rectify this issue. I made calls to GM Financial on XXXX, speaking with XXXX and also on XXXX in conjunction with making my payments during those months to inquire as to the status of this situation. I was told in the XXXX phone call that I would be responsible for the full balance, which I disagreed with. During the XXXX phone call, I was informed that I would be able to pay the " missing '' payment, but that all of the late fees and charges would be eliminated. I gave this some time to process and I did not see any change in my balance. I then contacted GM Financial after discovering that they placed a 30 day late payment on my credit report. I called and spoke with a GM financial rep named XXXX on XXXX. XXXX initially advised me that she didn't think that the refund had anything to do with the late payment or the refund, but then advised that it did appear as though the misplaced payment was contained in the refund that sent in XX/XX/XXXX, which was contrary to the first 2 representatives that I spoke with in XXXX. I asked XXXX about the late fees and charges and she stated that I was liable for the charges, to which I advised her that I would not be paying them based on this odyssey that we'd been involved in. XXXX advised me that she would consult with a manager and call me back on XXXX. As of XXXX XXXX on XXXX, I have not received any contact from GM Financial.
Company Response:
State: IN
Zip: 47909
Submitted Via: Web
Date Sent: 2019-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-20
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/2019, I called GM Financial and spoke with a representative named XXXX, to discuss how to XXXX out my XX/XX/2019 bill. She put me on a brief hold to do some research on my bill. She also told me to pay {$570.00}, of which I immediately did. After I paid the amount in full of {$570.00}, with my visa debit card, XXXX then told me that I was fine until XX/XX/2019. On XX/XX/19 I received a bill for {$570.00}, although the car payment is {$460.00}. I then called GM financial and spoke with XXXX a servicing specialist and XXXX a supervisor regarding the issue. I asked if I could hear the recorded call from when I spoke to the representative XXXX on XX/XX/19 to verify the amount the representative quoted me of {$570.00}, in addition to her stating that my bill was paid in full to XXXX out my balance and I was fine until XX/XX/19, after paying the amount quoted. I was told by both representatives that calls could not be recorded in PA. I then asked about the notes the representative took during our call, and was informed that she did not take any notes regrading to the matter. XXXX, supervisor at GM Financial refused to further the investigation, although he finally took notes after I spoke with him with frustrated ; he also refused to speak with the representative XXXX regarding the matter, although I questioned about it. XXXX was very arrogant and stated that I was 17 days in rears of funds owed and refused to adjust the amount of {$100.00} which is claimed owed. I called to get my payments on track with GM Financial and XXXX out my account ; I feel deceived and violated as a customer
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize these companies to pull my credit report
Company Response:
State: AZ
Zip: 85224
Submitted Via: Web
Date Sent: 2019-05-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-17
Issue: Getting a loan or lease
Subissue: Problem with a trade-in
Consumer Complaint: Normally a consumer is elated after buying a new car. However, those feelings quickly disappear when you learn that XXXX XXXX of XXXX, VA has engaged in deceptive practices, dishonest treatment of a consumer and simply refused to equitably correct the situation. DO NOT BUY A CAR FROM XXXX XXXX OF XXXX! This dishonest issue are as follows : False and misleading advertising posted internet sales price substantially below the MSRP. However, the sales people disregard the posted internet sales price and negotiate a price well above the advertised price. Not honoring the agreed upon trade-in value. Adjustments to terms of contract result in trade-in value received which is 31 & less than the agreed upon trade -in value. Exorbitant and egregious financing rates an exemplary customer with a XXXX FICO awarded with a 7.24 % interest rate, market interest rates are the low 4 % range. Financing Manager quote let the buyer beware Upon bringing these concerns to Dealership Manager, he attempted to correct the paperwork by raising the sales price of the vehicle. Dealership refused my written and verbal request to terminate the contract. Car purchased on XX/XX/2019, compliant filed XX/XX/2019, personally visited dealership on XX/XX/2019 to discuss resolution. NOT BUY A CAR FROM XXXX XXXX OF XXXX!
Company Response:
State: VA
Zip: 20147
Submitted Via: Web
Date Sent: 2019-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-15
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I went on the " XXXX XXXX XXXX '' website and was referred by General Motors/XXXX to XXXX XXXX. I took the vehicle home on the advertised, `` drive our car for 3 days and if you don't like it, return it without every purcharsing policy. I attempted to return the vehicle on XX/XX/2018, the day after I took the vehicle home and was not satisfied with it. General Motors/XXXX and their agent XXXX XXXX signed my name to a fraudulent sale, in violation of laws of the State of Michigan and United States Government.
Company Response:
State: MI
Zip: 48322
Submitted Via: Web
Date Sent: 2019-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-14
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I paid the property tax on XX/XX/2018 according to my statement and my regular installment was paid on XX/XX/2018. The Leasing company has been sending me bills saying that the total amount due is {$0.00} and when I contacted the billing dept on XX/XX/XXXX. I spoke with XXXX in customer service ( Finance Dept ) as per her I don't owe any payments this month. When I asked for Clarification, The taxes were applied to the monthly installment and I don't owe them anything. But the taxes are still due, I never received any statement or letter from them saying that my taxes are pending. When I asked them to correct this error, she said that this can not be done. If I my taxes are due, I should get a letter from them which I never received anything. They should at least fix my account and let me have my concise monthly statement.
Company Response:
State: VA
Zip: 22015
Submitted Via: Web
Date Sent: 2019-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: To whom it may concern, I am writing to have an incorrectly reported late payment removed from my credit history. The creditor, GM Financial, states they have attempted to remove it and are unsure why it is still appearing on my reports. The following is a summary of events for the account in question : XX/XX/XXXX : 39 month lease signed XX/XX/XXXX XX/XX/XXXX : Payments made on time using autopay XX/XX/XXXX : Called GM Financial and explained I purchased a new truck and would like to pay off and turn in the lease early, they walked me through it online, the remaining payments to the end of the 39 month lease were paid in full and the truck was turned in to the local GMC dealer, XXXX XXXX. XXXX XX/XX/XXXX : I received a credit alert stating my score had dropped. Upon investigation it was the GM lease stating I was over 30 days late. I could not call because they were closed on weekends. XXXX XX/XX/XXXX : I called GM Financial and they stated I had never turned in my truck, therefore I was still being charged. I explained the truck was turned in last XXXX, they requested that XXXX XXXX, the dealership, send them proof of the turn-in. XXXX XXXX faxed copies of the turn-in to GM Financial the same day. I called GM Financial back and they stated the documents were received and that they would request a correction to my credit history to the reporting bureaus but that it may take a few weeks to correct. XXXX XX/XX/XXXX : Credit reports still show a late payment on my credit history. I called GM Financial back and they stated they would again request a correction to my credit history. XXXX XX/XX/XXXX : Credit reports still show late payment on my credit history. I again called GM Financial. The representative stated she would send me a letter showing my account was closed in good standing and with a perfect payment history that I could send to the credit reporting bureaus to have my credit history restored. Supporting documentation from GM Financial is attached where they state my account had zero late payments. Additional documentation is also attached from XXXX XXXX, the GMC dealer I turned my truck into showing I turned it in in XX/XX/XXXX. Thank you for the help,
Company Response:
State: TN
Zip: 37042
Submitted Via: Web
Date Sent: 2019-05-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-13
Issue: Getting a loan or lease
Subissue: High-pressure sales tactics
Consumer Complaint: Initial transaction started on XX/XX/2018 and completed on XX/XX/2018, We strongly believe the entire transaction was misleading, untruthful and we believe to be fraudulent. Believe we are being unfairly charged on our monthly car premium. Also, upon completion of the paperwork, we were allowed to drive the vehicle off of the dealership lot without having any car insurance coverage for that vehicle. We have not received any response from anyone from the dealership or GM Financial.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A