Date Received: 2018-07-16
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Company stated they did not get the XX/XX/XXXX payment Discontinued online payments that were made because of security problems they stated XX/XX/XXXX XXXX XXXX account XXXX check # XXXX XX/XX/XXXX Phone Payment to XXXX confirmation # XXXX {$400.00} XX/XX/XXXX Phone payment confirmation # XXXX XX/XX/XXXX XXXX XXXX Confirmation # XXXX XX/XX/XXXX XXXX confirmation # XXXX XX/XX/XXXX XXXX confirmation # XXXX XX/XX/XXXX XXXX confirmation # XXXX Called and was told I owe over {$500.00} this month in addition to monthly statement amount. I am constantly being charge {$18.00} every month. XX/XX/XXXX bill {$860.00} with {$18.00} late fee XX/XX/XXXX bill {$890.00} with XXXX late
Company Response:
State: PA
Zip: 15235
Submitted Via: Web
Date Sent: 2018-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-16
Issue: Problems at the end of the loan or lease
Subissue: Problem when attempting to purchase vehicle at the end of the lease
Consumer Complaint: I purchased this car at the end of the lease, for the exact Purchase Option amount specified in the lease ( {$13000.00} ). I was told by GM Financial representatives, more than once, that GM Financial could not sell me the car directly since I lived in Pennsylvania, but that I could go to any GM dealer in the area and they could take care of it. I went to XXXX XXXX XXXX in XXXX, PA on XX/XX/2018 and executed the transaction, or so I thought, but I continue to get statements and bills from GM Financial for Lease End Liability charges totaling {$3500.00}. On several subsequent calls to GM Financial, I was told XXXX XXXX could straighten it out, but they seem as confused as I am. Since all I did was execute a contractual option in the lease, and follow the steps I was given by GM Financial to do so, I don't know why I'm in the middle of what is apparently an issue between GM Financial and XXXX XXXX.
Company Response:
State: PA
Zip: 18902
Submitted Via: Web
Date Sent: 2018-07-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-12
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Note : Account was completely satisfied with Creditor. See notes below : GM FINANCIAL : Account # XXXX Account Type : Auto Loan Date Opened : XX/XX/2013 Account Status : Closed Payment Status : Charge-off Balance {$5900.00} -Account settled for {$1500.00} Original Balance : {$33000.00} Past Due Amount - $ XXXX Account Settled for {$1500.00} Terms : 77 Months
Company Response:
State: TX
Zip: 75219
Submitted Via: Web
Date Sent: 2018-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-13
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I leased a XX/XX/XXXXXXXX XXXX with GM Financial on XX/XX/XXXX. On XX/XX/XXXX I went to a dealer to return the vehicle. I returned the vehicle, received a receipt of its return from the dealer. The dealer was not the dealer the lease was originally made at since the vehicle was leased in XXXX and I moved to XXXX. A week later, I called GM Financial due to a charge as if I was still paying monthly vehicle payments and they said I had a 39 month lease, not 36 month lease. I called the dealer to get the vehicle back and after a week, I got the vehicle back. About a month later I receive a bill with a XX/XX/XXXX billing date and XX/XX/XXXX billing date stating that I was late on the payment of the previous month and was being charged for both month, a total of {$910.00}. This was strange since I had automatic payment. I paid immediately since it was strange to have such a large payment, but I paid it anyway since I knew there were 3 payments left to make on the loan. I call GM financial and find out that they dont even know I have had the vehicle for almost a month since getting it back in XXXX. GM Financial told me that the account was closed because the vehicle had been turned in and it still shows as grounded. At that time, I explained the vehicle had been turned in by mistake and that the account cant be closed because I still have the vehicle. GM Financial tells me that it must have been a mistake from the transport department to the account department and were never told the vehicle had been ungrounded. On XX/XX/XXXX, I noticed the last payment for XX/XX/XXXX has not been deducted from my account. I call GM Financial and I am told that automatic payment had been cancelled since the vehicle was turned in back in XX/XX/XXXX. I informed them that they never notified me that automatic payment had been cancelled, nor did I ever receive a physical bill for that month. I pay the last payment and thought I was done with GM Financial. On XX/XX/XXXX, I turn in the vehicle and receive a receipt from the dealer of it being turned in. Three weeks later I receive 3 letters from my credit monitoring that I have a delinquent account with an alert of XX/XX/XXXX with XXXX, XX/XX/XXXX with XXXX and XX/XX/XXXX with XXXX for a balance of {$0.00}. I call GM financial and the person tells me they are not a credit advisor and they see nothing in relation to my credit. I tell them I have the letters in front of me, so how could they not have it in their system. The lady tells me that its because I have not paid the cost of wear and tear on the vehicle. I do not recall the exact amount she said I owed them, but it ranged around ~ {$400.00}. I tell her I never received an invoice and if I receive an invoice I can not pay it. The lady said that until the vehicle sells at auction they cant send an invoice. I asked why I would have an alert on my credit for a payment I cant make yet because I have not received an invoice. She again said that she was not a tax advisor and I had to wait for the vehicle to sell at auction for me to pay. In wait of the final invoice for wear and tear I receive 3 other letters with credit alerts with dates of XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX and XXXX. I call GM Financial again and I am told that their system shows the vehicle was turned in on XX/XX/XXXX. I tell them I returned the vehicle on XX/XX/XXXX and I have the receipt from the dealer. They tell me that I need a dealer at fault letter because GM Financial says the dealer grounded the vehicle on XX/XX/XXXX. I call the dealer and they check the system to which it shows that the vehicle was grounded on XX/XX/XXXX. I call GM Financial again and inform them of this and they say they cant do anything until a dealer at fault letter is provided. I call the dealer back and inform them of this ; the dealer calls their contact for GM financial and I receive a call from GM financial trying to get the story of what happened straight. The lady tells me she will call me back within 48 hours to inform me of the situation, but never receive a call from her. A week later I call GM Financial yet again, explain the whole situation and what has happened and that I never received their call. I ask about the credit alerts and at that time they tell me its due to the late payments, to which they told me that the automatic payment for due date of XX/XX/XXXX was charged automatic, but the payment was cancelled by them because the account showed as closed at the time. I yet again inform them that no bill was ever sent. They tell me they will investigate it and call me back. A few days later I call again since I did not hear back, and I yet again explain the whole story. The young lady, XXXX, tells me to send her the receipt from the dealer and that she will take care of it. I email her the document, but do not hear from her about receiving it. On XX/XX/XXXX, I call back a few days later and I speak with a lady named XXXX. I explained what I explained to XXXX and she said that she does not know who XXXX is or what she told me. She finds her in their system and tells me that they are different departments and that whatever she might have done, she can not see what XXXX did. XXXX tells me I need a dealer at fault letter and I explain again that I returned the vehicle on XX/XX/XXXX and the dealer grounded it on XX/XX/XXXX. She said they can not fix the credit alerts until I deliver them a dealer at fault letter. I call the dealer and explain what GM Financial has just told me and they said they had to call GM Financial to figure out what is going on. I receive a call from GM Financial a few hours later and I am told that the credit alerts are due to the late payments and that its my fault I didnt confirm that the payment had gone thru. I explain that I never received an invoice after they cancelled automatic payment so how was I supposed to know. I mention that I paid the {$910.00} as soon as I received the notice in the mail. She tells me that I received a call on XX/XX/XXXX about the payment, but I dont recall the call. I asked to show me the recording and the lady said she could not get the recording. I ask her to tell me all the payments I made, but she said I she can not do it over the phone and she has to send me a physical letter. I receive the letter and notice charges for XX/XX/XXXX of {$1000.00}, {$610.00} and XX/XX/XXXX for {$440.00}. None of these charges make sense, I do not know what they are for, nor have I received a paper bill.
Company Response:
State: MI
Zip: 48329
Submitted Via: Web
Date Sent: 2018-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recognized that XXXX XXXX submitted unauthorized inquiries on my credit for financing 16 times on XXXX XXXX. XXXX is one of the companies that was solicited. I contacted XXXX XXXX and spoke with XXXX who identified himself as the Manager. He refused to help. It is very unfair that they did that. They lowered my credit score by 200 points.
Company Response:
State: IL
Zip: 60616
Submitted Via: Web
Date Sent: 2018-07-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I completed my payments on my auto loan on XX/XX/2017, and now, more than 195 days later, all three credit bureaus continue to show the loan outstanding. After 90 days had passed -- since that was their window for reporting to the bureaus -- I began calling periodically. I have now called the company 6 times. Each time, I have been told that the company had a computer issue, but it was " recently '' fixed and my account would be reported to the bureaus by the end of the week. An additional 90 days have passed since I was first told that, and the account has still not been reported as paid in full, per a conversation with an agent yesterday. I have, on three occasions, asked to speak with a supervisor. I have been passed on to voicemail boxes each time with a promise that I'd get a call back by the end of the day. I have yet to get a call back. GM Financial says they update accounts paid in full within 90 days. I have waited more than twice that without any resolution.
Company Response:
State: VA
Zip: 22101
Submitted Via: Web
Date Sent: 2018-07-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-07
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: XXXX and GM Financial are is reporting " NR '' -No Rating for the payment history of XX/XX/2018 ( XX/XX/XXXX. ; XX/XX/XXXX. ; and XX/XX/XXXX ). My account was paid in full and on time each of these months. The failure to accurately report my POSITIVE payment history is negatively effecting my credit score.
Company Response:
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-07-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: THIS IS MY LAST REQUEST FOR RESOLUTION. I WILL FILE SUIT FOR DAMAGING MY CREDIT UNDER THE FCRA. FIRST REQUEST MADE XX/XX/XXXX Company has not reported good status updates in over 30 days. They are required under the Fair Credit Reporting Act to report status once every 45 days. They have not reported since XX/XX/XXXX. Due to Gm Financials failure to report it looks like i have a bad payment history and it has cost me a total of 6 loans since XX/XX/XXXX and countless other credit cards.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have contacted Gm financial over 30 times regarding my account. Gm financial had system updated that took over 6 months to correct so they opted not to report all my payments from XX/XX/XXXX till now. This is my only major account and has not been reporting properly to credit bureaus. With XXXX and XXXX the repot show s my las payment was XX/XX/XXXX which is not corrected. The only thing getting updated is balance. On report doesn't show my monthly payment amount at all.
I am trying to by a house how can I when this loan doesn't show that I am making payments, payment amount and current.
I have spoke to over 10 supervisors, submitted complaints via web on gm financial website without a corrective response. I have been hung up on several times and also asked to speak with president of company and was denied. I received an email XX/XX/XXXX from XXXX XXXX copy and pasted below!
GM Financial XXXX ( XXXX ) XXXX Search Emails XXXX More XXXX Mail All Search MailSearch Web Home XXXX Help Press? for keyboard shortcuts.
Close Ad Mail Contacts Calendar Notepad Messenger News Feed GM Financial XXXX ( XXXX ) XXXX Search emails Press the Enter key to select an item Compose Inbox ( 9999+ ) Drafts ( 65 ) Sent Archive Spam ( 1715 ) Trash Smart Views Important Unread Starred People Social Shopping Travel Finance Folders ( 146 ) At Home babies Deleted Items ( 66 ) saved ( 1 ) Sent Items Synced Messages ( 79 ) Recent Search results Archive Move Delete Spam More Collapse All Servicing Updates ( 4 ) Finance GM Financial
Company Response:
State: TX
Zip: 78247
Submitted Via: Web
Date Sent: 2018-07-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: GM Financial has reported late payments for XXXX, XXXX andXX/XX/2018 when in fact all payments were made on or before the due date. I have contacted them and they acknowledge that payments were made on the due date but state that because some months have more days the account is over 30 days if a month has more that 30 days in it my payment would have to be made a day early in some months. They refuse to correct their reporting!!! I have not made any payments beyond my due date and request that my record be immediately updated to reflect that.
Company Response:
State: NC
Zip: 280XX
Submitted Via: Web
Date Sent: 2018-07-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A