Date Received: 2018-04-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Our payment forXX/XX/XXXX was not paid inXX/XX/XXXX However, in XX/XX/XXXX we paid bothXX/XX/XXXX and XX/XX/XXXX payments together on XX/XX/XXXX in the amount of {$2100.00}, which included all late fees associated with payments being late. Account was completely caught up. XX/XX/XXXX payment due on the XX/XX/XXXX was paid onXX/XX/XXXX ( 8 days past due ) andXX/XX/XXXX payment was due on the XX/XX/XXXX and it was paid on XX/XX/XXXX ( 22 days past due ). Neither of the above mentioned months are past 30 days with the exception ofXX/XX/XXXX I pulled a credit report with all 3 Reporting Agencies and GM Financial has reported that No data for XX/XX/XXXX and show us 30 days late for XX/XX/XXXX. I called GM to try and fix this and they tell me that they do not show that in their system. I called again and was told the same thing, I took the conversation to GM Financial chat and was told they do not show our account being reported as late, so I paid to have our reports ( all 3 ) ran again, and again our reports are showing no data forXX/XX/XXXXand late forXX/XX/XXXX for our GM Financial account. The statements reflect the correct information, but what is being reported to the bureaus is incorrect and reflectingXX/XX/XXXX to be 30 days late. We have been current on our loan sinceXX/XX/XXXX
Company Response:
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2018-04-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-11
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I received my first statement from GM financial and processed the payment on XX/XX/XXXXto be delivered latest XX/XX/XXXX. Talked to my credit union who informed me that the payment was sent out XX/XX/XXXX to the overnight address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AX XXXX. MondayXX/XX/XXXX i called GM because i had noticed my payment still wasn't processed they informed me it could take 7-10 days to process and i wanted to speak to a supervisor because they have had my check sinceXX/XX/XXXX and the agent hung up on me. I called back with more information from my bank and received the same terrible customer service repeating the same XXXX about 7-10 days with no help trying to resolve my issue. a third time i called on Monday i spoke to a " supervisor '' who said she was submitting a ticket to look into the payment processing with my check number but wouldn't give me a ticket #. It is coming up on the 10 days where they will charge me a late fee even though they have had my payment sinceXX/XX/XXXX and cant figure out how to do their jobs and post my payment. I am waiting for back up from my credit union for the information on when the payment was sent and delivered to provide to GM but no one can find my check when it has been IN HOUSE sicneXX/XX/XXXX
Company Response:
State: IL
Zip: 60051
Submitted Via: Web
Date Sent: 2018-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-10
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: Mechanical issues with this vehicle started at XXXX miles ( XXXX ). I reported the issue to the NJ XXXX, GM and GM Financial who financed the lease. I have repeatedly returned the vehicle for service to the dealer to address the issue, which appears to be electrical or computer related. The issues experienced could jeopardize my safety, since the car stalls at random, which could place me in a very dangerous situation on a highway or at a busy intersection. The lease agreement is for 48 months commencing on XX/XX/XXXX, and I have repeatedly requested GM to either replace or release me from the existing lease obligation, which they refuse to do. The end date is XX/XX/XXXX. I have all receipts in date order and can provide all information required to support my case. The most recent incident with the car occurred on XX/XX/XXXX, where the car stalled yet again while out on errands. The car currently has 46,000 miles, of which approximately 1,000 miles have been placed on the car by the dealer to assist with issue identification. XXXX XXXX has the vehicle and I have been working with one of the service managers to address the issue.
Company Response:
State: NJ
Zip: 07052
Submitted Via: Web
Date Sent: 2018-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: GM Financial continues to report inaccurate information on my credit report. I have filed disputes, left messages, faxed over credit reports as well as bank statements, but to no avail. I continue to get the run around from the credit and customer service dept.
Company Response:
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2018-04-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: GM Financial is incorrectly reporting this account as past due. On my credit report, it states that they have not reported any payments since XX/XX/2017. This caused me to not be able to buy a home as it severely damaged my credit score. After speaking with the company numerous times they continue to state there is 'nothing they can do about it. ' Inaccurately reporting my account as delinquent is a violation of the FCRA.
Company Response:
State: WY
Zip: 82801
Submitted Via: Web
Date Sent: 2018-04-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: GM FINANCIAL IS SHOWING NUMEROUS LATE PAYMENTS ON ALL 3 OF MY CREDIT REPORTS WHICH IS INCORRECT. UNDER THE FAIR CREDIT REPORTING ACT, they are supposed to NOTIFY ME WHEN THEY ARE INSERTING NEGATIVE INFORMATION INTO MY REPORTS!
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-04-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-06
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/XXXX we signed a JOINT ( husband and wife ) 36 months lease for new Chevrolet truck Silverado 1500. We received TWO separate letters dated XX/XX/XXXX stipulating the terms of the lease. Fortunately the TWO letters referenced the same Lease #. On XX/XX/XXXX, we received TWO separate billings, one for husband and one for wife. It is important to note here that the due date is the 3rd of each month and the payment must reach GM Financial in XXXX, AZ XXXX. Distressed, we called GM Financial at XXXX on XX/XX/XXXX. We were told by GM rep. that they made a mistake in setting up our lease on their system. We were assured that it will be corrected and that we will receive payment coupons in a proper time frame to be able to make the payments on time. On XX/XX/XXXX, we sent a certified letter to GM Financial Leasing XXXX XXXX XXXX, XXXX, TX XXXX demanding correction of our records. We also sent, on the same day, separate certified letter containing our payment for the XX/XX/XXXX installment and demanding 1 ) combining of our names on the payment coupons and, 2 ) stoppage of sending us double billings for the same lease, 3 ) booklet containing payment coupons for the lease. We kept repeating the same requests with each subsequent monthly payments To make sure we also filed the same complaints on the GM Leasing web site XX/XX/XXXX, then again on XX/XX/XXXX and again on XX/XX/XXXX. The only response we received from GM Financial was an e-mail of XX/XX/XXXX from XXXX XXXX responding to our Survey of " dissatisfaction '' that we completed before advising us that we better pay our bills on the Internet to avoid double billings. Another change we noticed was that for the XX/XX/XXXX billing they sent us only one billing for the husband but no change reflecting JOINT ownership of the lease. The bills from GM continue to arrive FIVE days before due date. As a side note, it takes approximately 7 days for the US Post Office to deliver our payments from our location to GM location in Arizona
Company Response:
State: NY
Zip: 140XX
Submitted Via: Web
Date Sent: 2018-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-06
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I sent a complaint about a {$35.00} charge of my invoice. The response from the company was that it was an error and had been corrected. Today I received a statement still trying to to collect this amount. GM needs to get their billing system fixed, you never have any idea what you owe and they NEVER reply to any email sent inquiring. It's a disgrace and it's fraudulent and needs to stop.
Company Response:
State: OH
Zip: 430XX
Submitted Via: Web
Date Sent: 2018-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/XXXX I spoke with a representative in the GM Financial Recovery department regarding a car I had leased with them but was totaled. Insurance paid all but {$3600.00}. I contacted them inquiry about a settlement on the balance owed at which time the representative informed me that the account had been transferred to a third party agency for collections, XXXX ( XXXX XXXX XXXX ). I was informed that the account was referred to XXXX in XX/XX/XXXX. I did not know this until yesterday and had sent several account dispute through XXXX and XXXX and each time GM Financial verified the debt and stated they were still collecting on the debt. On today, XX/XX/XXXX I contacted XXXX ( XXXX XXXX XXXX ) regarding my account at which time I informed the representative that I had not received a telephone call, email, or letter regarding them collecting on my account for GM Financial. The excuse I was given was that there was a lot of back and forth between them and companies. The did not state which companies but did acknowledge they have not communicated with me regarding the debt which means I would have not have had any knowledge of who now owns my account. They have had my car for two years and not contacted me.
Company Response:
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-04
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Gm Financial continued to call me after informed them several times in XX/XX/XXXX and XX/XX/XXXX that I am victim of XXXX XXXX, and I am XXXX. They violated my safety when they called my ex who the restraining order is issued against providing him with my address and asking him if he has seen the car, spoke to me and GM representatives asked him to contact me. I informed GM via email to NOT contact my ex I have restraining order against him and they still continued to contact him. They violated my safety, health and well being of my XXXX minor children.
Company Response:
State: CA
Zip: 94568
Submitted Via: Web
Date Sent: 2018-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A