Date Received: 2018-03-27
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: On XX/XX/2018, a payoff check for our auto loan with GM Financial was sent to their office. On XX/XX/XXXX, GM confirmed that they received the check. Today is XX/XX/XXXX, and GM still has not credited our account and closed out our loan, despite acknowledging that they received and cashed the payoff check. Not only that, but GM has continued to report the loan as Late to the credit bureaus! Not only did we make a regular payment, we paid off the loan in full! Because of this, we were barely able to obtain a loan to buy a new car, and we had to pay a higher interest rate and were limited in our choices, because, to the banks, it looks like we still have an auto loan open, that we're not paying! AND they are continuing to hound us with collection calls! We were told they would put a 1 week " courtesy hold '' on collection calls last time we called - there's nothing for them to collect on! The loan is PAID OFF! As if all of this wasn't bad enough - we're not the only victims! A rep at GM told us that there are " over 100 '' accounts in the same situation! They blame a recent " software upgrade, '' but it seems that there must be a way that in over a MONTH 'S time, they could credit our account and close it! They even generated a statement on XX/XX/XXXX, 15 days after they acknowledge they received the payoff, showing that we owe a balance we do not owe! It is fraudulent! They acknowledge that this is entirely their fault, but every time we call, we're just put off further and further - " give us a couple more days, '' or, " it should be all cleared up within XXXX business days. '' But it isn't! This is ridiculous, and it can't be legal for them to continue to fraudulently report the account as Late to the bureaus, when it is not late at all! Please let me know what we can do.
Company Response:
State: AZ
Zip: 85379
Submitted Via: Web
Date Sent: 2018-03-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I purchased a XXXX XXXX XXXX with XXXX XXXX, XXXX, AK in XX/XX/XXXX. The loan was financed with GM Financial. In XX/XX/XXXX XXXX XXXX contacted me to solicit me for a test drive in exchange for a free turkey from a local shop in XXXX. I agreed to the test drive since I was interested in trading in my car for something that was co-titled with my son, XXXX XXXX. XXXX had become the primary driver when he started college in XX/XX/XXXX, of the original XXXX purchased in XX/XX/XXXX. A traced-in was executed XX/XX/XXXX on a XXXX XXXX XXXX XXXX XXXX with the new loan also financed with GM under XXXX. XXXX and I signed the paperwork. Part of the deal was my aftermarket studded winter tireIs would be removed from my the XXXX XXXX and placed on the XXXX XXXX. I had to get the sales manager involved to get the service department to execute this. I took the XXXX in roughly o n XX/XX/XXXX. I can verify this with phone records to get an exact date and time because XXXX XXXX service called mem and informed me they were going to have to give me a free set of new tires as my XXXX XXXX XXXX had already been sold by the dealership with my tires still on the vehicle. I had to approve the brand and change in the contract. I did and accepted the new tires in lieu of my personal aftermarket ones which had been sold with my vehicle. On XX/XX/XXXX, and continuously between XX/XX/XXXX and XX/XX/XXXX I kept in contact with GM Financial as they starting sending me late notices on the XXXX XXXX loan. I had contacted GM Financial immediately on the day of trade in to let them know I had traded in the vehicle, was cancelling the auto insurance policy effective immediately and refinancing the pay-off into a new loan with them, as there was a small amount of negative equity to be rolled into the new auto loan for the XXXX XXXX XXXX XXXX. The new loan reported initially ( and still is reporting ) for XX/XX/XXXX on the new XXXX XXXX XXXX XXXX purchased at XXXX XXXX, XXXX, AK, on both my and XXXX 's credit report. I informed GM I was not going to issue a payment on a loan that had been rolled into another loan and closed out. Gm continued to insist the loan payoff had not been received from XXXX XXXX. On XX/XX/XXXX I received a credit change notice from my credit monitoring system with XXXX of a late payament greater than 30 days being reported by GM Financial for the original XXXX XXXX XXXX loan. I immediately called GM about the reporting. On XX/XX/XXXX I was told by GM Financial they had not received the payoff from XXXX XXXX and in fact I was accused by the customer service representative of not actually having traded in vehicle and was skipping on payments for a car still in my possession. I contacted XXXX XXXX, who provided me with the documents showing the loan initiated, pending and executed by XX/XX/XXXX. I was also given the trace number and proof of check made to GM Financial. GM Financial still refused to annotate or correct the reporting. During XX/XX/XXXX I had 2 open accounts with GM FInancial with one being reported late and open with a balance due in excess of $ XXXX. I also had a new loan showing open with GM Financial in XX/XX/XXXX with a balance in excess of $ XXXX. This loan showed up on my son, XXXX XXXX ', reports as well as a new loan in good standing. I have disputed this item directly with GM Financial many times. The legal assistance attorney from XXXX XXXX XXXX XXXX, where I am authorized services as a military retiree, also wrote a demand letter of correction after reviewing all the documentation. I have filed a Better Business Bureau complaint. I even took the XXXX XXXX XXXX back to XXXX XXXX and turned it in as I felt they, and GM Financial were in breach of the original contract. I placed a stop payment on the $ XXXX down payment. When I returned the car and notified XXXX XXXX of the stop payment on the down payment the General Manager, XXXX, called me for his personal cell to my personal cell. He told me he would fix it. I spoke with the legal assistance attorney and was advised it was ok to pick up the car as it was mine regardless of the stopped payment. I arranged with XXXX to retrieve the XXXX XXXX from the XXXX XXXX lot. My credit report was fixed to " paid, never late '' but still open with a balance pending for about 9 dyas. Then it within 24 hours of my arranging to bring in a cashiers check for the down payment of $ XXXX, my personal credit report with GM Financial changed again to late for XX/XX/XXXX, late for XX/XX/XXXX and with a repossession on it. This was worse than when I started. I emailed the sales manager at XXXX and stated I was not going to reissue the down payment as the problem which they had originated as the dealership was not fixed and in fact was worse then when I originally asked them to fix it. In addition to all this, I received 2 calls from XXXX and GM Financial on XX/XX/XXXX. This was how I found out XXXX and GM were the same finance lender. I received these calls at work on my desk phone. I have the records. One verified my employment and the loan information with me. The second call was when I found out GM and XXXX were the same company and that the new loan had been approved as financed in full. This left me with the distinct impression the old loan was paid off by the new loan being executed and funded per the representative. I was even told I would see it on my credit report soon under GM Financial on these calls. I have records of all transactions, phone calls, sales receipts, emails, etc. I can provide upon request. I have already provided this to the XXXX, GM Financial, XXXX XXXX ( who provided me quite a bit of it originally ), and the credit bureaus repeatedly. I just submitted the disputes yesterday with the credit bureaus again. Only through repeated credit bureau disputes did GM Financial finally report the loan on the orignal XXXX XXXX as paid and closed as of XX/XX/XXXX. That is a physical impossibility if the new loan had to pay off the old loan and the new loan was executed in XX/XX/XXXX ; not ot mention my XXXX XXXX XXXX was sold by the dealership in XX/XX/XXXX and the check of final payment was cashed by GM Financial AND cleared through the dealerships bank account completely by XX/XX/XXXX. GM Financial hs denied the calls on XXXX XX/XX/XXXX even though I have provided them copies from my work phone records of both calls. THey have denied my phone calls to them even though I have phone records. Now XXXX XXXX XXXX of XXXX is contacting me for the $ XXXX down payment or they are threatening credit bureau reports and collection action. When I originally went into trade in the vehicle I informed XXXX XXXX that it was important no negative impact was on my credit report as I was initiating escrow to purchase a home. Because of the actions by GM Financial and XXXX XXXX my escrow application was ultimately denied due to the 43 poi9jnt drop in my credit score from the late report. The inaccurate debt-to-income ratio also has affected me negatively and prevented me from entering into a new escrow deal when compounded with the negative report that is completely inaccurate. I am already just recovered from a terribly devastating divorce. This was why I financed with XXXX XXXX and GM FInancial originally. I had no other options. But my good actions had resulted in a 9 % point decrease in the offered interest rate as well as placed the primary driver on the title and loan. The incompetence, refusal to correct and downright malfeasance and fraudulent behavior by GM Financial has had a tremendously detrimental effect on my life. It essentially lost me a house. Additionally, XXXX XXXX 's sitting on the payment ( according to GM FInancial ) for almost 2 weeks after they had already sold my XXXX XXXX ( with my personal property on it ) makes them both culpable and liable, as well as in breach of their contract with me for the $ XXXX down payment. I can provide copies of all documents via FAX, SCAN or hard copy upon request. Names are on loan : XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), AK XXXX my phone number is XXXX email is XXXX Thank you.
Company Response:
State: AK
Zip: 995XX
Submitted Via: Web
Date Sent: 2018-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-26
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: In XX/XX/XXXX, I emailed GM Financials support email several weeks before my payment due date of XX/XX/XXXX to request that my Auto Pay authorization be revoked. 4 days before the due date, I logged on to check my account amd my auto pay stilled showed as active, so I called in to check on it and revoke authorization. I was told that they would put in a rush request, but they could not guarantee it would get processed in time because now we were too close to the due date, but that at the latest, it would be processed for the following month ( XX/XX/XXXX ). Unfortunately, my XX/XX/XXXX payment processed and caused a lot of havoc with my bank account and other payments that were due. I called in again and was assured that my revocation would be in place for XX/XX/XXXX. This morning I woke To a notification from my bank that GM financial had processed my XX/XX/XXXX payment. Again, this wreaked havoc on my bank account and other payments that were due. I have called in again and have again been assured that it would be canceled for XX/XX/XXXX, and while I requested restitution for bank fees and other financial impact caused by these auto drafts, none were offered. GM financial should be penalized for twice auto drafting from my account without authorization.
Company Response:
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2018-03-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-23
Issue: Can't contact lender or servicer
Subissue:
Consumer Complaint: Our firm was hired to negotiate a settlement between the Loan Servicer and our client ( the Debtor ). When trying to get information with the loan sevicer they refused to work with me even though we have sent our Third Party Authorization several times. GM financial is in violation of Regulation V XXXX XXXX XXXX XXXX
Company Response:
State: PA
Zip: 19320
Submitted Via: Web
Date Sent: 2018-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: This is in reference to my joint account with my husband with GM Financial. They are always months late reporting to the credit bureaus. Normally it takes them 3 or 4 months to report. I noticed the end of XX/XX/XXXXthat they had not reported any information since XX/XX/XXXX on my credit report. We were looking into purchasing a home and needed it to accurately report. I filed a dispute wanting them to update the account. The account was updated but updated incorrectly with a 60 day late for the month of XX/XX/XXXX. I was not late in XX/XX/XXXXand have the payment information to prove it. I disputed it again on all credit bureaus as not being late. I also called GM financial who stated that my payments were on time and that I was in deferment in XX/XX/XXXX and XX/XX/XXXX and those months I only made partial payments and then I was completely on time with payments. She did say that another department would have to correct the late payments and she transferred me to them and then from there I was transferred 3 more times and no one know who I needed to be in contact with. My reports from all 3 credit bureaus show inaccurate information. Then after all of this for the month of XX/XX/XXXX I finally heard something on an update on my account and it was from XXXX and it showed charged off account updated to be charged off XX/XX/XXXX. I don't have a charged off account. Upon investigating all my credit reports XXXX now has a charge off for Charge offXX/XX/XXXX and then account ok until XX/XX/XXXX which showed charge off again and then ok again until charge offXX/XX/XXXX The account has never been charged off. XX/XX/XXXXall 3 credit bureaus were reporting ok and then XXXX and XXXX showed 60 days late. It cant go from ok to 60 days late. XXXX and XXXX show worst delinquency as 90 days which is not reported at this time and XXXX shows charge off. The balance on my account per the company website shows that I owe XXXX and according to XXXX and XXXX it shows {$7700.00} and XXXX nothing because it is charged off. Ever since I had this account there has been late information reporting, system glitches and problems that I am unable to get fixed. I am hoping that we can just reach some kind of mutual agreement to restore my credit for XX/XX/XXXX-XX/XX/XXXXsince that is when the problems with all the inaccurate reporting and misinformation is from. What is later that than that is of no real concern to me. I am just looking for some kind of repair here to restore hope with this company. I have attempted every thing that I know and I just keep making the matters worse instead of better. I am not late and have not been late and maybe if I hadn't of just wanted the reports to update and left it along I would be in better shape now. The sad part is this is not only damaging one person 's credit but two people with the information.
Company Response:
State: TN
Zip: 37660
Submitted Via: Web
Date Sent: 2018-03-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-21
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: On XX/XX/XXXX I payed what I believed to be my final payment on my XXXX XXXX XXXX. When I checked on line on XX/XX/XXXX to see if there was any information on when I may receive my title as I had not received this in the mail yet, there was a balance of XXXX on this account. I called to speak with a representative that day who could not seem to figure out where this balance came from. I then sent a correspondence via the online website and was notified by XXXX the representative that this balance was an error in the system. Being leery of receiving two different responses on the matter, I called again. This time I was informed by the represented that this balance was a result of 3 deferments I had taken out on this loan and that every time I took out a deferment not 1 but 2 months payments were rolled over to the end of the loan. I informed the representative that I was not made aware of this. I was then told that this is a common complaint by consumers and that I should request to listen to the tapes of my conversation with the rep who made the deferment for me to see if the representative informed me of this at that time. I was transferred to the expired loans department of GM financial where I notified the rep of what I had been told and requested to speak with a supervisor, I was transferred to a VM in which I left a msg for a XXXX XXXX. I attempted to call XXXX XXXX several times and was unable to get through d/t technical difficulties with the phone lines. I received a call from a representative of GM financial seeking to collect payment for the XXXX and upon answering the phone I requested to speak to XXXX XXXX as I had been unable to reach her. I was transferred to her. I notified her that I was made aware that the remaining balance on my car was due to GM Financial rolling over 2 car payments per deferment instead of the 1 car payment that I deferred and I requested to hear the recorded phone call of me making the deferment with the representative as I do not recall the representative informing me of this and because of this I do not feel I should be charged for 2 months payment as this was not disclosed to me at the time of the agreement if the phone proves that. XXXX XXXX informed me that she does not have access to the phone records as the deferment was not made with her division of GM financial and that the balance was not d/t me being changed for 2 car notes per deferment but is a result of daily interest that has accrued over time. I explained to her that when you divide the balance by 3 it comes out to just a little over my regular car payments which leads me to believe that I was charged double with each deferment and also that I had already paid 6 months past my original maturity date which would have been in XX/XX/XXXX and did pay some interest with each deferment made so I did not understand how I could still owe over a XXXX dollars for this vehicle. I requested a detailed statement showing the interest that has been accrued so that I could add this to a total of XXXX XXXX XXXX states she was sending this " now '' and that it may take up to 14 days to receive and she would place all collection calls on a " courtesy hold '' during this process. On XX/XX/XXXX I called GM financial again and spoke with XXXX as I still had not received the requested information after approximately 2 1/2 weeks after speaking XXXX XXXX XXXX and needed the information so that this matter could be cleared up promptly as XXXX continue to accrue daily interest while waiting. I was notified by XXXX that he would speak to the " higher ups '' regarding the matter and make sure the information was sent to me. I even requested that this information be emailed and I did give XXXX my email at that time. On XX/XX/XXXX I called GM financial again, I notified the representative of the situation of me not receiving the documentation I requested despite speaking with another representative on XX/XX/XXXX, the representative proceeded again to inform me that 2 months payments were rolled over to the end of the loan with each deferment, I notified the representative that this is not what the supervisor XXXX XXXX told me, that she says that this balance was for interest and I still had not received any documentation proving this I again requested to speak with XXXX XXXX and after holding was transferred to her VM where I left my contact info and asked her to return my call. I called GM Financial again on XX/XX/XXXX at XXXX and spoke with XXXX since no return call from XXXX XXXX received. I was notified at that time that my balance now is XXXX due to several fees and interest that had been added since XX/XX/XXXX and again I was notified that this balance was a result of 3 additional car payments that were added on to the end of the loan. I requested to hear the conversation at the time of deferment to prove that I was notified of this and I was transferred to collections where I spoke to XXXX and after placing me on hold I was told by XXXX that " I was informed by a supervisor that we do not keep records past 90 days on phone calls '' and as my deferments were for XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX they could not assist with this request. This seems to be an unfair and deceptive business practice as this company has not been able to provide me with any documentation of how they came to me owing this amount or any phone evidence of the terms of agreement to the deferment to prove that I gave consent to roll over 2 car payments with my deferments but yet I am being forced to pay this amount that I do not feel I owe and that GM financial can not seem to prove that I owe in order to keep a vehicle that I have already paid in full for.
Company Response:
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2018-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-20
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: On XX/XX/XXXX I applied for an automobile loan through XXXX XXXX for the purchase of a XXXX XXXX XXXX XXXX. On XX/XX/XXXX, Finance Manager XXXX XXXX informed me she had a lender approved. She gave me terms on the loan and I asked if she could look into adding an extended warranty. She told me it would be difficult because i was already close to max payment bank allowed. I understood that i had a higher interest rate and payment because I was coming out of a newly discharged bankruptcy. I took a couple of days to consider the loan and look into obtaining an extended warranty on my own. On Monday, XX/XX/XXXX, I called XXXX XXXX and told her Id like to test drive the car one last time and make a decision. After test driving that evening, I learned XXXX XXXX was the lender and I gave a partial downpayment in the form of {$650.00} signed paperwork to purchase the vehicle. There were some minor repairs being made to the car, so I was told I could pick up the vehicle and finish paperwork and pay remaining downpayment on Wednesday, XX/XX/XXXX. The vehicle was not ready until the evening of Thursday, XX/XX/XXXX ( there were still repairs that were not completed but that is another story ). On XX/XX/XXXX, I paid the remaining {$1300.00} down payment and took possession of the vehicle. Over the next two weeks XXXX XXXX and I communicated on several issues related to the vehicle. She did on at least two occasions inform me XXXX was trying to verify my employment. I told her the owner stated he did have any messages from XXXX but if I could get a contact number he would be happy to call them. I requested contact number from XXXX XXXX, no response. On XX/XX/XXXX, I received what was called a " welcome '' a call from XXXX. The call consisted of my answering questions related to my employment, residence and information on the vehicle. I thought this call would suffice for my employment verification. Obviously, it did not. On Wednesday, XX/XX/XXXX, I received a call from XXXX XXXX regarding verification. Via text asked could she provide a number my supervisor could call. No response. On Thursday, XX/XX/XXXX, I looked up XXXX 's contact and i sat in my supervisor 's office while the company owner confirmed my employment to XXXX 's funding department representative. On Monday, XX/XX/XXXX, I received notice from XXXX XXXX that the bank denied the loan and the vehicle needed to be returned. Per XXXX, the bank alleged fraud because they claimed their confirmation process yielded me as the company owner ( per Ohio Secretary of State public records the company is actually owned by XXXX XXXX and XXXX XXXX ) and an issue with the type of pay stubs submitted from my employer. I called XXXX to ask for clarity and fraud was never mentioned I but was told the loan was denied due to " income ''. I continued to ask exactly what does that vague statement " denied due to income '' mean. What about income, not enough, too much, what exactly??? .Fair credit reporting laws would dictate a clear and concise reason for credit denial. I was told all questions had to be directed to dealer. When back to the dealer the dealer say lender alleges some type of fraud because they had difficulty or used incorrect information from a third party in verifying employment ( even though employer contacted them directly on XXXX ) and denying credit. I contend if they truly thought I was the owner ( which would have rightfully put my loan into the self employed category ) it could have been easily resolved by looking at public records to confirm the actual owners. This denial of credit based on incorrect information that could have been easily verified has created a hardship for me as I am just coming out of a discharged bankruptcy and I'm in the credit rebuilding process. I also passed on other opportunities to purchase a vehicle through another dealership which may not have been this frustration. Furthermore, I have several new inquires form XX/XX/XXXX-XX/XX/XXXX based on XXXX XXXX attempting unauthorized financing attempts from other lenders. I think all of this has been highly unethical and I feel as the consumer I have been dealt with in an illegal manner.
Company Response:
State: OH
Zip: 44139
Submitted Via: Web
Date Sent: 2018-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-20
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Since GM Financial switched payment systems and companies they have failed to process payments. I have spent HOURS calling them trying to get my payments posted. Every month I spend more time researching my account, payments, calling them, following up, getting proof of payment and all but BEGGING for them to post the payments. My account is in a constant 'overdue ' status when its paid via electronic check every month. I was assured last week the issue was resolved, yet again, they failed to apply my payment from Thursday XX/XX/XXXX. I've worked with XXXX XXXX however he's just a facilitator to an endless cycle. I've lost time at work, I've lost sleep, I've had XXXX over the countless hours spent in nearly THREE MONTHS of this mess. If this is not resolved, I will have no choice but to seek relief through court. I don't know what else to do. Also, this is the second complaint I've filed with the CFPB, the first complaint was 'closed by the company ' reporting that they fixed this issue. Clearly that was a false statement. Please do not permit this complaint to be closed without my confirmation that they've actually cured the issue. Thank you
Company Response:
State: OH
Zip: 45239
Submitted Via: Web
Date Sent: 2018-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hello, On XX/XX/2017 I went to XXXX XXXX to look and buy a new car, and I was in the process of getting one. The salesman at that time told me that XXXX XXXX has a bank of their own and that they would use that bank to check out my credit and give me a price. The salesman was taking so long and I decided to not take the car instead and look somewhere else. Around a couple of weeks later, I check my credit report on XXXX XXXX and see that there is six different hard inquiries on that specific day. The names are XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX.
Company Response:
State: TX
Zip: 78046
Submitted Via: Web
Date Sent: 2018-03-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: OnXX/XX/XXXX, GM Financial inaccurately reported to all 3 credit bureaus that my vehicle was charged off in XX/XX/XXXX. I have had an active account with GM financial since XX/XX/XXXX, and my vehicle has never been repossessed or charged off. Prior to the reporting, I contacted GM customer service on XX/XX/XXXX to question why myXX/XX/XXXX payment was reported to the credit bureau as being late. I paid theXX/XX/XXXX payment 8 days prior to the due date. I also questioned why my XX/XX/XXXX payment was never reported. The rep I spoke with had horrible customer service skills. I requested supervisor assistance and the rep stated the supervisor was not available and disconnected the call. I reached out to the corporate complaint office and left a voicemail. XXXX XXXX called me back and appeared to be concerned and eager to help. She confirmed that my XX/XX/XXXX payment was made within 22 days, and my XX/XX/XXXX and XX/XX/XXXX payment were paid. She also confirmed that the next payment due was not until XX/XX/XXXX. She assured me she would look into the issue and call me back. I never heard back from XXXX XXXX. A week later I left her a voicemail requesting a follow-up. To date, XXXX XXXX has not returned my phone call. I received a letter in the mail from XXXX XXXX. I have included a copy of the letter with this complaint. The letter states GM financial will correct the information with the credit bureau to show no credit mark for the month of XX/XX/XXXX. How horrible!! The company has not reported for XX/XX/XXXX and instead of correcting XX/XX/XXXXthey chose to report no mark. What they actually ended up doing was reporting my account as a charge-off. This is absolutely ridiculous for a major corporation, its adversely affecting my credit report and credit score, and is a poor way to treat a customer.
Company Response:
State: GA
Zip: 30350
Submitted Via: Web
Date Sent: 2018-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A