Date Received: 2017-10-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I called GM Financial starting the day after XXXX XXXX to let them know that I need a deferment due to being impacted by the hurricane. Called since XXXX to get my due date changed that was never done..I was approved for a deferment for the month of XXXX XXXX. However after i esigned all documents my credit report was hit with a XXXX late reporting for XXXX and XXXX. I have called GM financial every other day since XXXX XXXX. Every XXXX has lied to me promising me things would be corrected. And not XXXX management person has kept their promise it 's almost like my issue is a joke. Not only has this dropped my XXXX XXXX over XXXX points it has also impacted my ability to get a natural disaster loan to fix my house. I have begged this company to corrected it and not XXXX person has cared enough for the issue.
Company Response:
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2017-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX I, XXXX XXXX received a phone call from XXXX XXXX stating they made an error on their end and did not enter in our account number correctly and therefore the XX/XX/XXXX payment that was called in never went through on Wednesday XX/XX/XXXX. I also received a payment confirmation via email that shows this payment was made and for the amount due. At the end of the month of XX/XX/XXXX my husband received his last check from his previous employer, his first check from his new employer, i was paid on XX/XX/XXXX and my daughter received some settlement money all on the same day. At this time there was close to {$11000.00} in our account and many bills were paid, a truck was purchased for my business and was not checking my account for any balance updates because i did not have to worry about my account for some time. When the woman whom called me on the XX/XX/XXXX said that they felt so entirely horrible that they would waive $ 90+ dollars in late fees and asked if i could take care of the XX/XX/XXXX and XX/XX/XXXX payments at that time and i let her know i could pay it on XX/XX/XXXX which was our next pay date. I got off the phone with her explaining this horrible situation to my husband and he was extremely upset and called XXXX XXXX back and spoke to a supervisor by the name of XXXX on XX/XX/XXXX @ XXXX XXXX MST ( on a recorded line ) and she stated since we were leasing our vehicle that we were on something called metro reporting and that we do n't get reported until every other month and as long as we had our XX/XX/XXXX payment in before the end of XX/XX/XXXX then we would be safe and would not get a late payment reported on our credit. My husband explained how important it has been that we keep a clean track record of on time payments due to the fact our family of XXXX is currently living in a 700 sq ft apartment trying to save to buy a home for our kids etc and she reassured multiple times that we had nothing to worry about and she saw the payment i previously scheduled for XX/XX/XXXX to take care of the payment to be made due to XXXX XXXX error. She did admit to the error as well as the account number showing being entered incorrectly and we read off to her the routing number and the account number and she kept apologizing also telling us the most she could do to help the situation was to remove the late fees as well on top of the other woman stating the same earlier on a separate conversation. On friday XX/XX/XXXX i called XXXX XXXX at XXXX XXXX PST ( i 'm in XXXX XXXX for my daughter 's XXXX ) and was explaining how i wanted to make sure the payments were going to go through and the woman was questioning the previous conversation i had stating i would n't have a late payment and seemed a little caught off guard and did n't seem to understand what i was saying however the end result was to make sure there was one large payment instead of two transactions and then i was emailed a confirmation to ensure the payment was going through correctly. Yesterday, XX/XX/XXXX I received a notification from XXXX XXXX -XXXX XXXX stating XXXX had a change to his credit report and then mine came in right after. I looked at our credit reports on XXXX XXXX and it showed there was a 30 days + late reporting for XXXX XXXX when we were reassured and promised it would n't be reported and made my credit drop 57 points for XXXX and 30+ points for XXXX XXXX I have been working on repairing my credit for the past year so my family can move out of the current cramped space we are in and quite frankly have done the best we possibly can. Today my husband called XXXX XXXXl as they were closed by the time he was off of work to discuss the previous conversation he had with XXXX and spoke with a XXXX and she said we would have to dispute it and that XXXX XXXX would have to explain the mistake to the credit bureau. She also told my husband that she will pass a message to XXXX and would get right back to my husband and he has yet to hear from her and this needs to be reversed and resolved ASAP due to us trying to get a home pre-approval this month.
Company Response:
State: CO
Zip: 80601
Submitted Via: Web
Date Sent: 2017-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-02
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: My car loan is on an automatic debit from my bank account. I specifically chose a date where I know I would have the funds for the debit. On the second of each month, a couple of days before my paycheck gets credited to my account. GM Financial ( XXXX. XXXX XXXX XXXX, AZ XXXX ) have been deducting the amount from my account two days before my the agreed to date. I called their customer service and she told me that that is what they usually do. Credit the money two days before the agreed to date. There was nothing in writing verbally saying or stating that that is their policy. I am being charged with overdrawn fees from my bank account. Is there anything I can do about this?
Company Response:
State: TX
Zip: 79761
Submitted Via: Web
Date Sent: 2017-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Lease account was paid in full and closed in XX/XX/XXXX, as can be seen on credit report. XXXX XXXX reopened account in error in XX/XX/XXXX. Tried working things out with XXXX XXXX directly, after which they assured that my credit score would not be affected as the account was reopened in error. The following month, the account appeared on my credit report as 120 days past due. At that point, contacted XXXX XXXX again, at which point they assured that they 'd fix the issue quickly on their end. After another 8-9 months of no change, I submitted a dispute through Transunion in XX/XX/XXXX. The Investigation was completed and resulted in the disputed information being updated and corrected on my account on XX/XX/XXXX. On XX/XX/XXXX, I received an alert from my credit monitoring service, stating that the account had been reposted as delinquent by XXXX XXXX. Currently on hold with XXXX in figuring out the easiest way to, once again, get this corrected.
Company Response:
State: MI
Zip: 48336
Submitted Via: Web
Date Sent: 2017-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-01
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I purchased a car on XX/XX/XXXX, financed through XXXX XXXX for {$15000.00}. As part of the purchase, I got GAP coverage from XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX , IL XXXX. On XX/XX/XXXX I was involved in a collision where the car was totaled. My regular car insurance paid {$5200.00} and the GAP coverage paid {$3100.00}. Per the paperwork I 've included, the GAP contract amended my loan contract so that " in the event of a total loss my lender agreed to accept my physical damage insurer 's settlement, as of the Date of Loss, as full settlement of your loan account. '' Date of Loss is clearly stated as XX/XX/XXXX. XXXX XXXX has issued derogatory information on all three of the major credit bureaus, forcing me to get a terrible interest rate on my new loan for my replacement car. They are saying I am 90 days late and recently marked my account as a Charge Off. They have given me no reason why my GAP contract is void other than saying over the phone " You should made sure the GAP payment came faster. '' How can they say this when my GAP contract clearly states the original loan contract has been amended? I sent this identical information to XXXX XXXX XXXX XXXX and they have been virtually unresponsive. The only response I 've gotten to the disputes I 've sent them was that they are unable to use the documents I 've sent them.
Company Response:
State: FL
Zip: 33160
Submitted Via: Web
Date Sent: 2017-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: On XXXX/XXXX/XXXX company did not answer the two questions asked in orginal complaint, why are my payments not being reported to my credit burea and why did they stop sending payment statements after i notified them about a layoff from work in XXXX XXXX.
Company Response:
State: MI
Zip: 48111
Submitted Via: Web
Date Sent: 2017-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XXXX I went to pay my lease payment and my account stated it was paid for so I called GM telling them that a payment was applied to my act. They stated that it was paid and that I had an extra payment. I thought it was funny. I kept an eye on the account. When I got a bill by mail stating a double amount I immediately called and they said the payment was reversed bc it was applied to the wrong act. They apologized and I immediately made the payment. They indicated and they said its recorded that it was their mistake and that it will not be reported. Well I have my credit monitoring since I have good credit and they reported me late. I called them and asked them to check their notes, I have left messages, I sent them a phone call request through GM Financial website, I have yet to hear from anyone. I have disputed this 2 x and they keep saying is correct. I even asked for the fax # to their legal department. I am not going to allow them to XXXX me like that after I am a single parent working myself with 2 jobs and making sure my debts are paid and on time. I do not know what else to do. Its not fair. I have cried because company like this one do mistakes and nothing is done and then they XXXX us up. I need this to be deleted out of my credit report, as this is the only thing that is on my report negative and it was not me, they should be able to teach their employees how to apply payments to the right account and on my recorded call, I told them are you sure they said yes, they are sure. I need help. Please.
Company Response:
State: PA
Zip: 19114
Submitted Via: Web
Date Sent: 2017-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-22
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: On XXXX XXXX, XXXX, I was returning to work when my car just shut down with no warning. I called roadside assistance and had the vehicle towed to XXXX in XXXX, XXXX XXXX The next day they called and towed me my motor was gone in my car. I could not believe what they were saying. I asked how. The lady replied, " A rod was blown. '' Immediately upon this diagnosis, I had the car towed to XXXX XXXX XXXX, XXXX XXXX They told me the motor was gone as well. My service advisor said the engine filter was wet. I was informed I caused the damage and my motor will not be covered under the XXXX mile powertrain warranty. I purchased this car as XXXX from XXXX XXXX XXXX XXXX XXXX XXXX or XXXX miles already on the car. Now XXXX XXXX says I owe that balance regardless of what is going on. They even told me if they repossessed the car and resold it they will NOT close the account on my credit report and will report it late for the term of the contract.
Company Response:
State: MS
Zip: 39056
Submitted Via: Web
Date Sent: 2017-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-22
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: XXXX XXXX has reported a vehicle loan as charged off to the credit bureaus. Currently we are in the process of obtaining a mortgage and the underwriters require that we obtain a letter from XXXX XXXX regarding this loan that states the loan was charged off. We have contact XXXX XXXX several times to request this letter and they refuse to supply a letter. We were told they would not send a letter and that it would need to be obtained via the credit bureau. The credit bureau is simply reported the information provided to them by the original creditor, XXXX XXXX. The document must come from XXXX XXXX, however they have been rude, condescending and uncooperative. We were told at one time the letter would be faxed on Monday, XXXX XXXX, XXXX but this never happened. When contacted again, they would not say why it was not sent and refused to send one. Not only the purchase of our home is waiting on this letter, but the seller can not proceed with their purchase and the seller 's seller can not move forward to close on their home until this has been obtained. XXXX XXXX XXXX XXXX, XXXX XXXX stated they do not send letters several times. Then in her next statement she indicated that they had already sent a letter when the loan was written off. When asked to resend the letter she mentioned, she stated " we do n't resend letters. '' We have spoken to several representatives including XXXX, XXXX, XXXX, XXXX and XXXX to mention just a few. Our son called to try to get information and was given information about our account even though they claim they had no release. If the indeed had no release, they are breaking privacy laws by even acknowledging the existence of the account. Yet, we continue to be vilified because of a past credit issue/mistake that was outside of our control at the time. All we have asked is for a simple letter that states the account was charged off and the date it was charged off so we and several others may move forward with our home purchase.
Company Response:
State: MI
Zip: 486XX
Submitted Via: Web
Date Sent: 2017-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX is acting in violation of the Maryland XXXX Laws and is trying to collect on a debt that they technically can not collect on. On XXXX XXXX I contacted XXXX XXXX regarding my past due car payments and the next steps I can do in repairing our relationship. The representative informed me that my best option was to voluntarily give up the car and that it would completely wipe out the debt I owed with them and that they would stop all collection activities ( I have thus learned that I was lied to by the representative and that this was not true, that giving my car back would not erase the debt I owed but only reduce it ). I gave them the address to pick up my car at XXXX XXXX XXXX in XXXX Maryland XXXX please note that at the time of the call I gave the representative ). Two days my car was given up to the tow company and all was well, as so I thought. To my surprise when I look at my credit report a few months ago I noticed that this is still showing negatively on my credit report as debt I owe. According to Maryland law " Within 5 days after the credit grantor repossesses the tangible personal property the credit grantor shall deliver to the consumer borrower personally or send to him at his last known address by registered or certified mail, a written notice which briefly states : ( 1 ) The right of the consumer borrower to redeem the tangible personal property, and the amount payable for it ; ( 2 ) The rights of the consumer borrower as to a resale, and his liability for a deficiency ; and ( 3 ) The exact location where the tangible personal property is stored and the address where any payment is to be made.For 15 days after the credit grantor gives the notice required by subsection ( e XXXX of this section, the credit grantor shall retain any repossessed property. '' I never received any such notice from XXXX XXXX to my mailing address via certified or any other sort of mailing. Which is in violation of Maryland law. XXXX, XXXX consumer is also required by Maryland Law after selling my vehicle to send me a deficiency letter outlying the remaining debt I owe. Maryland Law States " Private sales must be commercially reasonable, and the lender must send an accounting to the borrower. If the property is sold at public auction, the lender must provide the borrower with a written statement of how the proceeds were applied. If the vehicle sells for less than the balance owed on the loan, then the remainder is an unpaid deficiency. '' State law also requires that this be sent via certified mail latest address on file. Any violation of this law states that the " credit grantor can not collect on the debt ''. In XXXX I contacted XXXX 's President Office, to file a complaint regarding this debt and after several attempts via phone/email I got no reply. Today I spoke to gentlemen named Tyrick ( Employee ID number XXXX ) he wouldnt give me his last name. XXXX XXXXnformed me that they sent all the notices to an address XXXX XXXX XXXX, XXXX XXXX Maryland XXXX ( with no apartment number associated to the noticed, my apartment was # XXXX ) and that letter was eventually returned to them.Proving that I was never in receipt of the required document.TWO MONTH LATER they sent another letter to a P.O box address that is not associated to me at all. My former roommate XXXX XXXX XXXX address had their mail forwarded to an P.0 Box and XXXX XXXX public records and assumed that address was mine. Furthermore I spoke with XXXX that any certified mail sent to P.O box address whether it was my P.O box or not would have to be signed for by the person who the letter is addressed to at the post office. When I asked XXXX if he had any record of me signing for said letter or that I received it he said no, and he didnt care If I got the letter because its his job to " collect my money by any means necessary ''. I never gave XXXX that address or gave them permission to send me any corespondents to that address.My address on file that the time was XXXX elm XXXX XXXX XXXX XXXX '' the address that I gave them! When I informed XXXX XXXX of my findings he stated he " did not care '' and it " would n't have mattered if they sent the notice or not '' because he deemed me " irresponsible ''. I asked XXXX XXXXeveral times for the opportunity to speak with his XXXX or The XXXX and he refused to let me speak with anyone else. He also several times throughout the call XXXX was very unprofessional and made derogatory remarks regarding my financial state at the time and the fact I had been contemplating bankruptcy. Actually toward the end the call he hung up in my faceXXXX also states that I never called XXXX financial to do a voluntary repo on my car and that they figured out where the vehicle was and my new address was XXXX elm XXXX XXXX, XXXX, Maryland XXXX. My question is if that is the case, and XXXX financial did find out that my new address was the XXXX XXXXt address why didnt they said the required notices to that address? The law does state that notice should be sent to the last known address which wouldve been XXXX XXXX ... Which right there proves that they were in complete violation of the law! I have come to the conclusion that XXXX XXXX has not acted in good faith with the sale of my vehicle, giving me the required notices, and reporting my debt correctly to the credit agencies.
Company Response:
State: GA
Zip: 30339
Submitted Via: Web
Date Sent: 2017-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A