Date Received: 2017-11-10
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: My maturity date was in XXXX 2017 - In theory, I should be done with the car loan. I want to dispute the amount of {$4800.00} as to what my account states.When I decided to do a deferment I was NOT informed that the amount due at that time will accrued interest daily. I do not feel I owe GM Financial the US {$4800.00}. I do believe I ONLY owe US {$2500.00}. I have reviewed the account history of my payments made to GM Financial and I have paid over an approx. US {$41000.00} and an exception cant be made? I was never informed from any associate that my loan will accrued interest daily, when I decided to do a deferment. I never received any writing explanation on how the processes worked. If I would have been educated by the associate at the time of agreeing to the deferment, I might have reconsider the option at that moment.f. I have called GMF numerous of times, I have also reported them to the BBB. I have called and left messages for the supervisor I have also sent complaints via the GM financial website on various occasion and as of today I have not heard from anyone at GM Financial
Company Response:
State: IL
Zip: 60655
Submitted Via: Web
Date Sent: 2017-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Back in 2011 I paid one of our payments on line. We were notified that the payment went thru on their online system. It was n't until months later that we were notified that it did n't go thru. By that time we had 3 -30 day late payments on our credit report since it had put us a payment behind by not having that payment go thru. We were told that the problem would be fixed with the credit bureaus by the company but it never was and we have tried repeatedly to have it removed by disputing it with the credit bureaus with no success.
Company Response:
State: CO
Zip: 80403
Submitted Via: Web
Date Sent: 2017-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Back in 2011 we paid one of our payments on line. We were notified that the payment went thru on their online system. It was n't until months later that we were notified that it did n't go thru. By that time we had 3 -30 day late payments on our credit report since it had put us a payment behind by not having that payment go thru. We were told that the problem would be fixed with the credit bureaus by the company but it never was and we have tried repeatedly to have it removed by disputing it with the credit bureaus with no success.
Company Response:
State: CO
Zip: 80403
Submitted Via: Web
Date Sent: 2017-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-10
Issue: Problems at the end of the loan or lease
Subissue: Termination fees or other problem when ending the lease early
Consumer Complaint: Lease terminated XXXX, XXXX, two months early, very low mileage. {XXXX} excess wear and tear charged and an unauthorized charge of XXXX for " Sale Expense ''. Called XXXX ( 3rd phone contact ) and they waived ( deducted ) XXXX and stated XXXX} would cover the entire bill. ( XXXX, employee # XXXX, lease recovery department ). I sent in the {XXXX} with the knowledge they would return my XXXX} check - but they cashed the XXXX immediately after the call. Return calls are always unproductive " because you are not authorized to talk about your daughter 's account '' - my daughter has authorized them to talk to me on four occasions. GM Financial routinely loses records of prior conversations. I noticed they actually did not deduct the charges, but cashed my check for XXXX. Since then they refuse to talk to me " because I am not authorized ''. My daughter works in a hospital and has limited access to her phone during business hours ; she has called them four times and authorized me to speak to them about the account. They always deny that they have authorization. They tricked me into paying XXXX in exchange for a {XXXX} rebate, then declined to give me the {XXXX rebate.
Company Response:
State: TX
Zip: 76051
Submitted Via: Web
Date Sent: 2017-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My auto loan payment was due on XX/XX/XXXX. I missed that due date but ended up making my payment for the months of XX/XX/XXXX and XX/XX/XXXX on XX/XX/XXXX in the amount of XXXX. I used the link provided on the website when I logged into my GM Financial account, selected payment option for electronic check, and submitted the payment. I received a confirmation from XXXX XXXX XXXX XXXX that my payment had bee submitted. A couple of months later while reviewing my credit reports, I noticed a major drop in my credit score and that the account had been reported as a 30 day late. I initiated a dispute because I believed my payment made it in time. The results of my dispute were not satisfactory to me. I left it alone and refinanced the loan with a different bank. Recently, I initiated the process of trying to obtain a home loan and the lender advised me that my GM account was an issue that needed to be resolved. I reached out to XXXX to request they remove the late and the response was once again negative. I still have the derogatory marks on my credit report stating I 'm late on payments which has decreased my credit score. This has caused me to get credit and loans over the past 2.5 years at higher interest rates than I would have if the information was accurate. I am getting the runaround from GM Financial and no resolution has been given.
Company Response:
State: FL
Zip: 33618
Submitted Via: Web
Date Sent: 2017-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-09
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: ) By placing derogatory, incriminating, inflammatory, and wholly inaccurate information on the public record my family has been impacted negatively. G.M. FINANCIAL SERVICES CORPORATION took our vehicle and refuse to return the vehicle. In The STATE of ILLINOIS has laws against libel and slander, and, I bring forth my claim for such an incorporated into this matter deliberately, and by reference. Since the debt has not been certified or validated and the validation of the debt has been requested on several occasions. XXXX XXXX, XXXX over the phone, XXXX XXXX, XXXX over the phone. I do hereby bring to this bodys attention that the opposing party with their accomplices have violated my due process and rights as well as the FAIR DEBT COLLECTION PRACTICES ACT. b ) For the violation of the FAIR DEBT COLLECTION PRACTICES ACT, which says that once a dispute has been initiated, that the partys making the claim of DEBT must suspend all debt collection activities until the debt has been validated. Which would include reporting such to credit reporting bureaus, this was not done. they have made this a matter of public record by filing a claim against my person and failing to properly serve my persons the documentation. Such a claim was filed without notification of my persons and has caused me and my family many damages which are documented as follows, were given many opportunities via electronic payments XXXX XXXX XXXX XXXX to close out this debt. XXXX XXXX the opposing party locked the customer XXXX XXXX out of the ability to pay through electronically transferred funds by not accepting payment with the password account set up with G.M. FINANCIAL SERVICES, through the account that was set up to pay the funds I communicated with G.M. FINANCIAL SERVICES XXXX XXXX, XXXX that I have been locked out of my account electronically the system refused to take my payments. they responded that the funds I submitted to the account which I had been submitted in XXXX were returned and that I could only pay by debit, of credit card, money order, the electronic funds had been reversed to the sending financial institution, When I explained to them that I could only pay with the only account I have at my disposal that is when I asked them what happened and why I were just hearing about the returned ACH/EFTs. I asked them could I pay the whole bill off with the agent on the phone I was told that I could after they talked to their supervisor on duty, at that instance I was told that I could make ( 4 ) four payments separately each payment would consist of the transfer fees of ( 4 ) four separate transactions, then I gave them instructions for the agent representing G.M. FINANCIAL services the o.k for the ACH/EFT transfers to take place. XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, to electronically transfer the funds from the account in questioned. I got a confirmation number # # # # # # s thats when I asked them for a payoff letter to validate the debt they told me I would have to call a different phone number if I wanted it in writing. I were contacted on XXXX XXXX, XXXX G.M. FINANCIAL SERVICES called and told me I was behind in payments and what were my intentions I explained that I had gave instructions for the vehicle to be payed off, in early XXXX I was told that the account I gave them the funds were returned and I were in their system for repossession of my vehicle, I asked again why I have not received the payout letter and/or the validation of the debt from G.M.FINANCIAL SERVICES, I was told I could only receive it orally over the phone. Due to the recent accounts being hacked through credit fraud the customer asked the opposing, party was asked to present the original contract or payout documents and the request was ignored, the opposing party erased my E-mail accounts to remove communications between the parties in dispute, G.M. FINANCIAL SERVICES has not been working in good faith to remedy this account, The law provides a penalty for violation of DEBT collectors with unfair practices Communication clauses, failure to provide access to the consumers information. My vehicle was taken under duress, while walking to me vehicle on my property before XXXX i observed someone walking onto my property with an object i feared for my life and ran back into my home. G.M. FINANCIAL SERVICES has not been working in good faith to remedy this account, The law provides a penalty for violation of DEBT collectors with unfair practices Communication clauses, failure to provide access to the consumers information, G.M. FINANCIAL SERVICES were asked to present to the customer the rejection letter from a third party and ignored the customer request. Failure to provide the information requested by LAW i.e. Validation. G.M. FINANCIAL SERVICES were asked to present to the customer the rejection letter from a third party and ignored the customer request. Failure to provide the information requested by LAW i.e. Validation. The customer have demanded the information to remedy a DEBT, and hereby claim the opposing parties made no effort to give assistance and because the car has been paid in full. The same account that was used to pay off {>= $1,000,000}, were also used for that account. FDCPA provides debtors with a means for challenging payoff demands, and for determining the validity and accuracy of asserted debts. 15 U.S.C. 1692. Perhaps 15 U.S.C. 1692 ( a ) attention I am a XXXX AMERICAN, near retirement age and I am not a student of law yet I have been attacked by a group of individuals in the form of this or claim of debt. Because this matter involves laws
Company Response:
State: IL
Zip: 60621
Submitted Via: Web
Date Sent: 2017-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-06
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: MY WIFE AND I FILED CHAPTER XXXX BANKRUPTCY ON XXXX XXXX, XXXX, CASE XXXX. YOU WERE SENT A INFORMATION ONLY NOTICE AND NOW HAVE RESTRICTEED SAID ACCOUNT XXXX, SEE ATTACHED! ALSO, PLEASE BE ADVISED THAT THIS LEASE IS LISTED ON SCHEDULE C : '' THE PROPRTY WE CLAIM AS EXEMPT. ( FORM 106C ). AS A RESULT OF THIS CONFUSION, MY LEASE PAYMENT IS NOW LATE, AND ASSESSED FEE 'S. EFFECTIVE TODAY UN-RESTRICT THIS ACCOUNT AND REVERSE ALL LATE FEE 'S AND CORRECT ALL CREDIT REPORTING TO REFLECT PAYING AS A AGREED NEVER LATE.
Company Response:
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-11-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-05
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XXXX/XXXX/XXXX we signed a lease agreement for a specific monthly payment of {$260.00} for 24 months. We payed the first installed by credit card to the dealership on the same day.The dealership sent in a different " signed " document with a first payment of {$330.00} to General Motors financial leasing. We are being billed for the different amount. We have sent the agreed to amounts to GM financial along with all supporting documents concerning the contract amount. We have had several conversations and emails between the dealership and GM Finanacial. We have been told by the dealership that the issue had been resolved, however GM has no record of it as of this date. I have attached a chronological list of correspondence with the dealership and GM. Please note that we received a past due phone call from GM on XXXX/XXXX/XXXX even though the dealership and GM both stated that the first payment had been received.
Company Response:
State: IA
Zip: 515XX
Submitted Via: Web
Date Sent: 2017-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XXXX XXXX XXXX, the company placed an inquiry on my credit report with XXXX. I have requested documentation from both the company and from XXXX to support their permissible purpose in accessing my credit file. Neither has complied. The company simply sent a letter verifying that it had, in fact, accessed my file on the date mentioned. Pursuant to Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] Paragraph a, Subsection 2 a CRA can only furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. As I have not given specific written consent for this company to access my credit file, this inquiry should have already been removed. The refusal of the company and the CRA to do so puts both in a state of willful non-compliance with the Fair Credit Reporting Act.
Company Response:
State: NC
Zip: 273XX
Submitted Via: Web
Date Sent: 2017-11-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-02
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising
Consumer Complaint: In late XXXX or early XXXX XXXX My husband went to XXXX XXXX to get an oil change on his XXXX XXXX. After a few hours, he called to tell me the salesman we have always used there, XXXX XXXX, introduced him to a fully loaded XXXX XXXX XXXX. At this time my husband had recently completed XXXX. When I got to the dealership I was reluctant to agree to this jointly. I privately talked to the salesman and told him I was worried about signing jointly in case XXXX 's health did not continue to improve. Noteworthy - we were there several hours due to my trepidation and in that time my daughter called to ask if her fiance was eligible to use my father 's XXXX XXXX discount. I was told by XXXX XXXX that he was not. I was also told that if my husband wanted this car I would have to be on the lease because I was the family member for the XXXX XXXX or the discount would not apply. I also have a lease on a XXXX for my own use. In short, I felt pressured to sign. My husband XXXX on XXXX XXXX, XXXX due to XXXX XXXX XXXX and I 'm being told I 'm locked into this lease for a car I do n't like or want. l recently found out I was NOT required to be on the lease per the terms of the XXXX XXXX. My daughter 's fiance also lost out on a large discount because of this misinformation. This has caused a terrible financial burden, as my husband XXXX without an estate or any XXXX insurance. I feel that the dealership had a fiduciary responsibility to give me accurate information or find someone who could. When I found out in XXXX XXXX that I did not have to sign this lease XXXX XXXX went to his supervisor who verified verbally and publicly in the showroom that I was not responsible to sign that lease in order to receive the discount. At this point I am barely making ends meet as I continue to pay for 2 leases registration and insurance and drive only 1 car. I hope you can help me.
Company Response:
State: NY
Zip: 14120
Submitted Via: Web
Date Sent: 2017-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A