Date Received: 2018-08-23
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: Account is no longer open no business with company.
Company Response:
State: FL
Zip: 32211
Submitted Via: Web
Date Sent: 2018-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-21
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Was contacted by GM Financial 's collections department on or near XX/XX/18 or mid XX/XX/XXXX. Call was in regards to my XX/XX/XXXX payment of {$250.00} & XX/XX/XXXX payment of {$250.00} that they stated I was behind. I advised the represenative that I am aware that my due dates are the 1st of each month and have been paying toward the end of each month including an extra {$12.00} to cover any late fees. I explain that my 1st check of each month always go to my rent and that I pay all my other bills on my 2nd check in each month and that maybe a change in my due date would help. I was told that I am unable to change my due date because I was behind. I informed rep as well that I would pay XX/XX/XXXX & XX/XX/XXXX payment including the {$12.00} late fees for both payments making total for me to pay of {$530.00} by XX/XX/18. Rep then advised that she could bring me current threw a deferment that I qualify for and said that this would be my final deferment for the year. I advised rep that if this would be my final deferment I would rather wait until I really would need it and was prepared to bring my payments current as stated on XX/XX/18. She then said that because XX/XX/XXXX payment would become due on XX/XX/18 she recommended again the deferment and said it would include XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payment and said that would bring me current and not to change due date because now that I am current, if I usually pay toward end of each month my payments moving forward would actually be early instead of late. It made sense to me and I ok 'd rep to process deferment. Rep advised that I would have to make a deferment payment of {$170.00} which I informed her could not be made til XX/XX/18 which she said is fine and to call back once payment was made to process the deferment. I ended up getting off work on XX/XX/18 at XXXX and did make the deferment payment of {$170.00} on XX/XX/18 there after I called GM ' Financial customer service and spoke to a rep to make sure they saw the payment made of {$170.00} which she confirmed that she did see and to call back on monday XX/XX/18. I called customer service on XX/XX/18 and rep acknowledged that they received my deferment payment and rep confirmed that it would cover XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payment. Rep also stated that I will not get any bill in XX/XX/XXXX and to continue on time with my normal payment of {$250.00} as of XX/XX/18. Around mid XX/XX/XXXX I receive a call from GM 's collections department stating that my XX/XX/XXXX payment of {$190.00} is due? When I explained the whole matter about the deferment I was given by rep and had paid, they simply said that was wrong info and that I owe {$190.00} for XX/XX/XXXX? I requested for a manager and did speak to manager name XXXX. I explained everything to her. I advised that I did not receive any bill for XX/XX/XXXX like the rep who processed my deferment stated and that the only thing I had received was a letter stating they received my deferment payment of {$170.00} and that the deferment was processed and mentioned to manager that I was also concerned that the deferment letter did not show the months I am defered for. Manager then said that Delaware state laws states they do not have to provide that info. I also advised her that my normal payment each month are {$250.00} and if they are stating I only owe {$190.00} for XX/XX/XXXX how was that possible. Manager advised because of an over payment made in XX/XX/XXXX? She also stated that the deferment only covered me for XX/XX/XXXX and XX/XX/XXXX payment? I informed her how was it an over payment made in XX/XX/XXXX when I was told deferment was to cover me for XX/XX/XXXX, XX/XX/XXXX payment. Manager started getting fustrated with me said bottom line is that I owe the {$190.00} for XX/XX/XXXX. I advised that I will not pay {$190.00} and that I need this straighten before any other payments are made and also that I will file a complaint with the CFPB. When I mentioned that her whole additude changed stating that she was willing to waive any late fee 's etc. I advised her that I will call back to speak to someone higher than her. On XX/XX/18 I called in to Gm Financial and asked to speak to someone higher than a manager, then the same manager XXXX was online and I advised her that I wanted to speak to someone higher than her and she said that she would transfer me to the SR. VP of consumer affairs for their company, party name was XXXX . I was forwarded to her voicemail and had requested a return call on XX/XX/18 and advise best to reach me by XXXX or XXXX est and would take a lunch break to discuss this with her. I received call from XXXX on XX/XX/18 at around XXXX-XXXXest. I explained everything to her. XXXX admitted that she did see notes that rep did state that deferment would cover me for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and also saw that I was told to pay the deferment amount of {$170.00}. But stated that was wrong info that the rep gave me. She basically stated the same thing that they will not honor the original deferment agreement that their rep offered me? I informed her that she should have listened to the calls first before calling me and also should have had the info on why they are stating I owe {$190.00} for XX/XX/XXXX. She said she did not have my info in front of her, which I found strange because she was aware that she was calling me back in regards to a complaint. She asked me to give her time to listen to the call and gather all her notes and we scheduled to speak on XX/XX/18. I received call from XXXX on XX/XX/18 and she stated that the President of the consumer affairs department sat down with her to pull those calls but none of them was recorded? And that he ruled that XX/XX/XXXX payment of {$190.00} was due. I asked if she looked into the over payment they stated was made in XX/XX/XXXX that caused me only to owe {$190.00} for XX/XX/XXXX payment. And she said she did not have the info in front of her. When I questioned about the over payment advising her that if I paid in XX/XX/XXXX why did rep offer the deferment if all I owed was XX/XX/XXXX? XXXX then started to be impatient with me because she could not answer my question and said she would mail me my payment history. I advised her that even after all this as a customer who did exactly what rep advised me to get me current was a waste of my money because I am still behind. I advised XXXX that as a customer and even with her admitting that she saw the notes where the rep confirmed that I would be covered for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, you would think that they would do the right thing and honor the deferment agreement that I was given. She advised that they would waive any late fee 's but that I still owe {$190.00} for XX/XX/XXXX. I advised her that I will file complaint with the CFPB. She said if I have attorney to have them call in. I did receive payment history which I did include, along with my bill dated XX/XX/2018. I noticed it shows I made a payment in XX/XX/XXXX of {$270.00}. I went to XXXX website to see if other customers have experienced this and there was several of the same complaints filed.
Company Response:
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2018-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-21
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: GM Financial took money via ACH without my authorization and my account was over-paid. Then, they said it would take 14 days to pay me back. I paid my lease in full on XX/XX/2018 and cancelled further ACH withdrawals. They must not have updated their system on time and still pulled the money out of my account on XX/XX/2018. I understand mistakes happen, but I paid my lease payment on the due date every single month via ACH, not a single day late for the entire team. They take money out of my account on a unauthorized basis and take 14 days to pay me back? unacceptable.
Company Response:
State: NY
Zip: 130XX
Submitted Via: Web
Date Sent: 2018-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-21
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: On XX/XX/2018 I signed a three year lease agreement on a XXXX XXXX from XXXX XXXX. At the time the car was not on the lot but expected to arrive within the week. They had told me it is showing on their database as in transit to arrive soon. I left expecting my XXXX within a week at the latest. Two weeks went by and I left for a family vacation without my new car, which I expected to have for the trip. During my trip they called me to come in for a courtesy vehicle. On XX/XX/2018 I received the courtesy vehicle and again they told me my car should be in this week. They stated the computer showed my car in transit. On XX/XX/XXXX, I made a phone call to XXXX railyard. The manager said that vin number was not showing in her system which means it was not on its way. After that, I went to dealership to complain and ask if they could give me one of the four XXXX 's that were sitting on their lot. They stated it was out of their hands and they could not because I had signed a lease to a particular Vin Number. They continued to tell me my car was showing in transit. I have also been in contact with cooperate headquarters. They could not give me any answers nor were they willing to help me. I wanted out of my lease and after three weeks, I never received an answer. On XX/XX/XXXX, after a phone call to XXXX, I learned my car was finally showing " in transit ''. It's arrival date was XX/XX/XXXX On XX/XX/XXXX, I went to XXXX to pick up the vehicle. They were not willing to make this situation right in anyway. They put the blame on cooperate and cooperate put the blame on XXXX. I was inconvenienced and lied to for almost two months and all XXXX offered was to pay my two lease payments ( which I never actually had the car ). I am very disappointed and completely unsatisfied with XXXX XXXX of XXXX, Ohio.
Company Response:
State: OH
Zip: 44406
Submitted Via: Web
Date Sent: 2018-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: To Whom It May Concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that GM Financial reported a late payments/negative information regarding my account XXXX. I am requesting that this late payment ( s ) be assessed for accuracy. Since I have disputed information with GM Financial, I feel this is there way of retaliation to damage my credit report. This incorrect listing has damaged my credit score and questioned my credit worthiness to the extent that it may be concerning to my employer. It is extremely embarrassing and has adversely affected my reputation. For your reference, I have attached copies of the required documents that corroborate my claim. I returned a vehicle to GM Financial sometime in 2014, as a voluntary repossession. I received to letters from them regarding there process, which indicated if the car was sold, I would still be responsible for the negative balance. I do not recall receiving any documentation to when the car was sold, and how much the car was sold for. Please take a note of the dates and update my account status at the earliest convenience. Also forward a copy of my updated credit report to my address, stated above. Also, in response to the phone call/letter received *lender* on *date* I am requesting validation of this debt. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired XXXX. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation request, I am asking that all instances related to this account must be immediately deleted and completely removed from my all 3 credit file. Moreover, all future attempts to collect on the said debt must be ceased. Thank You
Company Response:
State: CA
Zip: 92395
Submitted Via: Web
Date Sent: 2018-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX XXXX XXXX sent me a letter stating that on XX/XX/XXXX XXXX XXXX XXXX on XXXX in XXXX, Colorado sent them an application for auto financing on my behalf, which I was denied, then again on XX/XX/XXXX i received another letter of credit denial from XXXX stating the same thing, the day before on XX/XX/XXXX I received a letter from XXXX XXXX stating that XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in XXXX, Co. requested an Auto Loan for a XXXX XXXX XXXX, then on XX/XX/XXXX XXXX also denied me for the same company for an auto loan, which is the same company as XXXX XXXX XXXX, and again that I was denied. Also, on XX/XX/XXXX XXXX, and XXXX XXXX XXXX denied me credit, which I did not apply for, it was for another auto loan.
Company Response:
State: CO
Zip: 80204
Submitted Via: Web
Date Sent: 2018-08-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I filed a complaint with General Motors about incorrect information on my credit report ie. They said I owed them {$170.00} which was supposed to be late fees the problem was that these late fees they spoke of was already paid because I was in the process of starting a new contract with them to pay off automobile because time had expired on old original loan with them in order to start new contract I had to first pay off old late fees which I did, I filed a complaint with XXXX and XXXX about this XXXX corrected it with no errors then I filed a complaint with the consumer protection company about G.M still reporting I owed them {$170.00} which I thought they had resolved now my XXXX credit reports G.M list my account as a chargedoff/ paid account .which is in fact wrong my account was never listed as charged off in fact I have evidence that it was listed as open even though that in itself was incorrect, my initial complaint was about the {$170.00} which I didnt owe because it was paid before I could enter new contract I contacted G.M and they said they could see it was paid off in XX/XX/XXXX before I entered new agreement that being so then how is it listed as a charge off? Im submitting copies that show my account even though it was incorrect was still listed as open and also where they added a comment about my reaffirmation of debt in XX/XX/XXXX even though there was none at that date, that comment was already listed in XX/XX/XXXX during a bankruptcy.. as you can see my credit account say open also it says there was no balance to payoff after XX/XX/XXXX which was my last payment. So wheres this comment about charge off / paid coming from there was no balance left they were paid in full, I just submitted an answer to in regards to how I felt G.M handled my complaint this was done prior to the new changes on my XXXX report which appeared today XX/XX/XXXX I was under the assumption ( All ) mistakes were resolved as you can see they were not
Company Response:
State: WI
Zip: 53209
Submitted Via: Web
Date Sent: 2018-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: on XX/XX/XXXX i send a letter to the creditor and credit bureau stating the issues. What they sent back was payment history and validation of debt and they did not fix the inaccurate information on my report which is lowering my credit score and holding me back from purchasing a home. They are showing 30 and 60 days late on my report for XX/XX/XXXX andXX/XX/XXXX but on the statements which i am attaching here it shows XXXX due and XXXX past due for these months. i will either the 30 and 60 day late removed from my report and it show never late or the account be deleted from my report all together here is a copy of the letter i sent the creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/XXXX XX/XX/XXXX Dear creditor, I would like to start a new investigation regarding the account listed below : XXXXI dont recall being late. Your company has reported me late to all three credit bureaus. When I checked my credit reports, I noticed the late status. I disputed this with the credit bureaus, and your company verified it. I dont recall being late. Please provide me with all documentation that you have proving that I was late on the days that you reported to the credit bureaus.I have attached an XXXX statement reading that I owed {$0.00} in XXXX and there was nothing past due. This account should have been fully paid off by my GAP insurance and there should be no balance. Please fix this. According to the FCRA and FACTA, I have a right to dispute this account directly with your company if I feel that your reporting is inaccurate. In addition, court case opinion No. XXXX XXXX by the US Court of Appeals XXXX XXXX, XXXX XXXX XXXX XXXX, creditors must investigate and make sure their reporting is accurate. I also have the right to bring a suit against your company if you violate any of the laws above. 30 days is the allowable time according to the law. I await your response.
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2018-08-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-19
Issue: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: Hi, I tried to use XXXX XXXX service. And I found there that I have 10 credit inquiries. It considers as hard credit inquiries. But I didn't do it. Maximum - it's 2-3 times for 2 years. So I suspect the identity theft. Can you help me with it, please? Here the list of companies, were I didn't take and didn't request for credit, but I am in the system, why?? XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX
Company Response:
State: CA
Zip: 90019
Submitted Via: Web
Date Sent: 2018-08-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-17
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: My car was repossessed on XX/XX/2017 after missing one payment. I was currently making payments when this company repossessed my car. They sold the car for auction on XX/XX/XXXXXXXX this was after my payday but they demanded my entire check, XXXX dollars. I was due to XXXX on the XX/XX/XXXX, so I asked for an extension but they didnt extend and took my car. I XXXX and they sold the car which was bought XX/XX/2017 brand new for XXXX XXXX and left me a XXXX balance and didnt notify me and are charging me thousands in interest which I dont believe is fair. They also did not send me notice that they were selling my vehicle, I found out on my credit report. This companys name is GM financial and they are scamming military members out of their money.
Company Response:
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2018-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A