Date Received: 2024-01-18
Issue: Getting a loan or lease
Subissue: Problem with additional add-on products or services purchased with the loan
Consumer Complaint: I contacted XXXX in regards to my vehicle charge not being maintained in the winter time I have to constantly charged the vehicle in the winter. I believe this to be a defect with only my vehicle, but all XXXX vehicles during the winter time the battery does not last as long as it does in the summer you have to constantly charge.
Company Response:
State: NY
Zip: 11418
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have called XXXX and GM Financial to dispute the late payments on file as they are inaccurate. I have mailed out letters trying to dispute this inaccurate information as it is holding me back when it comes to purchasing major items. XXXX keeps telling me that the information provided by GM Financial is correct and has not shown me proof. I have submitted proof of payment and still to no avail they have not removed it from my credit profile. I am trying to purchase property and this is really hindering me from doing so I am asking CFPB to look into this and I will also be providing you proof of payment.
Company Response:
State: MD
Zip: 21701
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: This is an auto account. GM Financial reported to the credit bureaus that this is an installment account.
Company Response:
State: OK
Zip: 741XX
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: ACCOUNT NUMBER : XXXX ( any derivative thereof ) I, XXXX XXXX who is XXXX XXXX of age declare that I am a natural person of any jurisdiction of any county, state, or nation. 15 U.S.Code 1692j- false and deceptive forms 15 U.S. Code 1635- right to rescission 15 U.S.Code 1644 ( a ) - fraudulent authorized use of credit card ( 10k fine ) 15 U.S.Code 1605 - finance charge defined and what is all included 15 U.S.Code 1635 ( f ) - right to rescind after 3 years if rescind paperwork was never furnished 15 U.S.Code 1635 ( b ) - right to rescind and keep the property 15 U.S.Code 1640 ( a ) - each violation is 2x finance charge 1. U.S. Code 1662 ( b ) - mixing cash with consumer credit transaction 2. C.F.R. 433.1 ( d ) - purchase money loan. Company got a cash advance for using my social or credit card 1 ) Recently you stated right to recission only applies to mortgages, that is false and misleading as is the " contract '' you deceptively had me sign pursuant to 15 U.S.Code 1692j- false and deceptive forms. 2 ) 15 U.S.CODE 1644 ( A ) 15 U.S. Code 1635- right to rescission, RESCISSION CAN BE A CONSUMER CREDIT TRANSACTION OF PROPERTY WITH SECURITY INTEREST, A TRANSACTION WHICH HAS A SECURITY INTEREST IN IT. THE RIGHT TO RESCISSION MUST DISCLOSE THAT THE OBLIGOR HAS UNTIL MIDNIGHT OF THE THIRD BUSINESS DAY, BUT BUSINESS DAY IS EVERYDAY, FROM THE DATE OF THE SIGNED CONTRACT TO RESCIND THE CONTRACT. THE CREDITOR MUST CLEARLY AND CONSPICUOUSLY DISCLOSE THE RIGHT TO RESCIND MEANING WRITTEN OR A DESIGNATED SECTION WITHIN THE CONTRACT THE CREDITOR MUST GIVE THE FORMS TO EXERCISE THE RIGHT TO RESCIND THE ONLY REASON THEY WOULD NOT BE GIVEN THE RIGHT OF RESCISSIONS FORMS IS IF THE OBLIGOR SIGNS A WAIVER OR AN EMERGENCY OCCURRED RESCISSIONS WHEN RESCISSION OCCURS, THE CREDITOR MUST RETURN THE MONEY OR VALUE OF THE CAR, DOWNPAYMENT, AND TERMINATE THE SECURITY INTEREST. THE OBLIGOR WILL ALSO BE ABLE TO KEEP THE VEHICLE. IF THE FORMS TO RESCIND WAS NOT GIVEN, THE OBLIGOR HAS 3 YEARS TO INVOKE THE RIGHT TO RESCIND. THE OBLIGOR CAN RESCIND IF THERE IS A SALE OF PROPERTY OR JUDICIAL ACTION. 3 ) Correct me if I am wrong but does your company not have security interest in this transaction? If you proceed to tell me you do not, then send me the title to the vehicle please and remove all security interest. If you proceed to say you do then you are in violation of not providing me with my right of recission. 4 ) Also in violation of false and deceptive documents as the contract was not clearly and conspicuously disclose to me. After further review of TILA, finance charge is the sum of all charges. This contract shows different charges, and the finance charge was supposed to be paid for the moment your company used my credit card, which accessed my open end credit plan. 5 ) If you proceed to tell me no, now you are compelling to fraud. Due to this evidence being reported on credit report. AS A RESULT YOUR COMPANY NEVER HAD CLEAR WRITTEN DISCLOSURE FROM ME TO FURNISH ANY INFORMATION INVOLVING THE ALLEGED CONSUMER TRANSACTION, IN ORDER TO FURNISH THIS INFORMATION TO A THIRD PARTY PURSUANT TO 15 USC 1681 ( section 604 a section e ). Referring to my credit report your company has added remarks to report in which I NEVER GAVE WRITTEN COMMUNICATION TO DO SO. 6 ) Pursuant to FDCPA 15 USC 1929d ( 5 ) causing telephone to ring repeatedly with intent to harass. This transaction was initiated from an open end credit plan in which according to TILA was supposed to take care of the finance charge which the definition for finance charge is the sum of ALL CHARGES. 7 ) Pursuant to 15 USC 1681 section 602 states I have the right to privacy. This is an invasion of privacy as well! In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 8 ) Furthermore according to Regulation Z banks can not lend money, so where did this money come from? Look we can make this easy for us both. Pursuant to " 15 USC 1666d- Treatment of credit balances '' " Whenever a credit balance in excess of {$1.00} is created in connection with a consumer transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned fianc charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) Credit the amount of the credit balance to the consumer 's account ; ( B ) Refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) Make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumer 's current location is not known by the creditor and can not be traced through the consumer 's last known address or telephone number. '' Your company can remove the security interest on the property and send me my title. If not, I will take this document and file a suit with all evidence for each law that your company neglected and broke. 15 USC 1602 ( 1 ) credit card ( 1 ) The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. AkA social security card.
Company Response:
State: VA
Zip: 20176
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: ACCOUNT NUMBER : XXXX ( any derivative thereof ) I, XXXX XXXX who is XXXX years of age declare that I am a natural person of any jurisdiction of any county, state, or nation. 15 U.S.Code 1692j- false and deceptive forms 15 U.S. Code 1635- right to rescission 15 U.S.Code 1644 ( a ) - fraudulent authorized use of credit card ( 10k fine ) 15 U.S.Code 1605 - finance charge defined and what is all included 15 U.S.Code 1635 ( f ) - right to rescind after 3 years if rescind paperwork was never furnished 15 U.S.Code 1635 ( b ) - right to rescind and keep the property 15 U.S.Code 1640 ( a ) - each violation is 2x finance charge 1. U.S. Code 1662 ( b ) - mixing cash with consumer credit transaction 2. C.F.R. 433.1 ( d ) - purchase money loan. Company got a cash advance for using my social or credit card 1 ) Recently you stated right to recission only applies to mortgages, that is false and misleading as is the " contract '' you deceptively had me sign pursuant to 15 U.S.Code 1692j- false and deceptive forms. 2 ) 15 U.S.CODE 1644 ( A ) 15 U.S. Code 1635- right to rescission, RESCISSION CAN BE A CONSUMER CREDIT TRANSACTION OF PROPERTY WITH SECURITY INTEREST, A TRANSACTION WHICH HAS A SECURITY INTEREST IN IT. THE RIGHT TO RESCISSION MUST DISCLOSE THAT THE OBLIGOR HAS UNTIL MIDNIGHT OF THE THIRD BUSINESS DAY, BUT BUSINESS DAY IS EVERYDAY, FROM THE DATE OF THE SIGNED CONTRACT TO RESCIND THE CONTRACT. THE CREDITOR MUST CLEARLY AND CONSPICUOUSLY DISCLOSE THE RIGHT TO RESCIND MEANING WRITTEN OR A DESIGNATED SECTION WITHIN THE CONTRACT THE CREDITOR MUST GIVE THE FORMS TO EXERCISE THE RIGHT TO RESCIND THE ONLY REASON THEY WOULD NOT BE GIVEN THE RIGHT OF RESCISSIONS FORMS IS IF THE OBLIGOR SIGNS A WAIVER OR AN EMERGENCY OCCURRED RESCISSIONS WHEN RESCISSION OCCURS, THE CREDITOR MUST RETURN THE MONEY OR VALUE OF THE CAR, DOWNPAYMENT, AND TERMINATE THE SECURITY INTEREST. THE OBLIGOR WILL ALSO BE ABLE TO KEEP THE VEHICLE. IF THE FORMS TO RESCIND WAS NOT GIVEN, THE OBLIGOR HAS 3 YEARS TO INVOKE THE RIGHT TO RESCIND. THE OBLIGOR CAN RESCIND IF THERE IS A SALE OF PROPERTY OR JUDICIAL ACTION. 3 ) Correct me if I am wrong but does your company not have security interest in this transaction? If you proceed to tell me you do not, then send me the title to the vehicle please and remove all security interest. If you proceed to say you do then you are in violation of not providing me with my right of recission. 4 ) Also in violation of false and deceptive documents as the contract was not clearly and conspicuously disclose to me. After further review of TILA, finance charge is the sum of all charges. This contract shows different charges, and the finance charge was supposed to be paid for the moment your company used my credit card, which accessed my open end credit plan. 5 ) If you proceed to tell me no, now you are compelling to fraud. Due to this evidence being reported on credit report. AS A RESULT YOUR COMPANY NEVER HAD CLEAR WRITTEN DISCLOSURE FROM ME TO FURNISH ANY INFORMATION INVOLVING THE ALLEGED CONSUMER TRANSACTION, IN ORDER TO FURNISH THIS INFORMATION TO A THIRD PARTY PURSUANT TO 15 USC 1681 ( section 604 a section e ). Referring to my credit report your company has added remarks to report in which I NEVER GAVE WRITTEN COMMUNICATION TO DO SO. 6 ) Pursuant to FDCPA 15 USC 1929d ( 5 ) causing telephone to ring repeatedly with intent to harass. This transaction was initiated from an open end credit plan in which according to TILA was supposed to take care of the finance charge which the definition for finance charge is the sum of ALL CHARGES. 7 ) Pursuant to 15 USC 1681 section 602 states I have the right to privacy. This is an invasion of privacy as well! In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 8 ) Furthermore according to Regulation Z banks can not lend money, so where did this money come from? Look we can make this easy for us both. Pursuant to " 15 USC 1666d- Treatment of credit balances '' " Whenever a credit balance in excess of {$1.00} is created in connection with a consumer transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned fianc charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) Credit the amount of the credit balance to the consumer 's account ; ( B ) Refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) Make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumer 's current location is not known by the creditor and can not be traced through the consumer 's last known address or telephone number. '' Your company can remove the security interest on the property and send me my title. If not, I will take this document and file a suit with all evidence for each law that your company neglected and broke. 15 USC 1602 ( 1 ) credit card ( 1 ) The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. AkA social security card.
Company Response:
State: VA
Zip: 20176
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: WROTE TO THE COMPANIES TO STOP REPORTING INQUIRIES PER 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Company Response:
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I have retained a lawyer to help with my debit repayment adjustment and modifications. GM Financial refuses to acknowledge my lawyer 's presence or respond to their request to workout a deal with them.
Company Response:
State: TX
Zip: 77845
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I went to purchase a vehicle and was approved for a loan. The dealer required me t get insurance but did not include that amount in the Truth In Lending Statement/Finance Statement in violation of 15 U.S. Code 1605. In addition, the dealer failed to mention that there were problems with the transmission as they had already known this information. The truck has major jerking problems, the transmission slips, and sometime stalls. This was known prior to selling me the vehicle. I was also approved by the lender for credit, and then I was required to put a down payment down in the amount of {$3000.00} when other people with the same credit were not required to put a down payment down. Twenty days passed and they did not respond to my rescission letter. Other purchasers with similar credit were offered more favorable terms and interest rates than I was.
Company Response:
State: IL
Zip: 60559
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: To the Officer in Charge, I am writing to provide additional information and an update regarding my previously filed police report ( Incident # : XXXX ) from XX/XX/XXXX. Upon further review and having now secured complete access to all three major credit bureaus, I have identified additional unauthorized financial activity that was not included in the initial report due to the aforementioned limited access. On XX/XX/XXXX, while preparing for a prospective home purchase, I conducted a thorough check of my credit report. It was during this check that I first became aware of the fraudulent accounts. The original police report lists some of these accounts. However, I have since discovered XXXX more accounts and a credit inquiry, as detailed below : GM Financial Account : Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : {$21000.00} XXXX XXXX XXXX Account : Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : {$19000.00} Additionally, there was a hard inquiry that I did not authorize, which may be connected to this fraudulent activity and is from XXXX. I suspect that my personal information may have been compromised as a result of the XXXX XXXX XXXX XXXX, an incident in which my details were confirmed to have been exposed. There is a possibility that this exposure has led to my information being accessible on the dark web, which may have facilitated this fraudulent activity on my credit report. I would like to request that this new information be formally added to the existing report to ensure that all fraudulent activities are thoroughly investigated. Furthermore, I am taking all necessary steps to dispute these accounts with the credit bureaus and have placed fraud alerts on my credit files. Thank you for your attention to this urgent matter.
Company Response:
State: GA
Zip: 31206
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: GM Financial reported payments late. After reviewing the full accounting of this loan I reflect inaccuracies in their reporting. The inaccuracies are reporting late on XXXX XXXX : XX/XX/XXXX, XXXX, XXXX XXXX, XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX The varying dates between all three bureaus is inaccurate reporting. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. In the event a furnisher has been notified of said inaccuracies and they continue to report false information is punishable of fines up to {$1000.00} per incident.disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A