Date Received: 2017-03-01
Issue: Shopping for a loan or lease
Subissue:
Consumer Complaint: This company made inquiries to my credit report. I did not authorized the dealership to contact this company for credit approval. in many cases the dealership was told in writing not to do so. These companies were sent letters disputing the inquiries and told me to contact dealer. I disputed with credit reporting company and they told me to contact the credit company who requested my credit report. Either way this company should not have pulled my credit report and have over XXXX inquires on all XXXX credit reports. I want their inquires removed.
Company Response:
State: TX
Zip: 75219
Submitted Via: Web
Date Sent: 2017-03-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-02-27
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: My husband and I leased a XXXX back on XX/XX/XXXX. In late XX/XX/XXXX early XX/XX/XXXX my husband was XXXX. They gave him 6 months to live. He passed away on XX/XX/XXXX. He was XXXX and I am XXXX. Due to the change in income, I am also retired, I am unable to continue making the high payment. I have talked to numerous XXXX and GM financial and nobody can help me. Is n't there something that can be done in a situation like this.
Company Response:
State: MI
Zip: 497XX
Submitted Via: Web
Date Sent: 2017-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-27
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I purchased a XXXX XXXX in XX/XX/XXXX ; due to several financial hardships, I was unable to maintain consistent payments on the vehicle. The GM representatives called me constantly throughout the workday and on the XXXX. When I was able to answer the phone, I advised them that I worked for the Government and I was not supposed to answer or make personal phone calls at work. Each time I spoke with a GM rep I told them I had every intention to honor my contract because I needed the car. Each time I was told they understood and that they would work with me. My first payment was due on XX/XX/XXXX. I was unable to make that or the XXXX payment. I was able to pay those payments on XX/XX/XXXX, and the last payment I was able to make on the loan was XX/XX/XXXX in the amount of {$600.00}. Over the XXXX months that I had the car, I made 3 payments overall. I contacted GM financial on XX/XX/XXXX at XXXX am and left a voicemail letting them know that I was about to go into work and that I would be there well after midnight because the XXXX is the last day of our fiscal year and I would contact them when I woke up on XX/XX/XXXX to discuss the delayed payments, the fact that the car had been involved in a flood incident on XX/XX/XXXX, that XXXX issued a claim and that I would provide all of that information when I spoke with them. I thought I was ok. Unfortunately, my car was repossessed sometime after XXXX am ( when I got home from work ) and XXXX am ( when my daughter woke me up in a panic because the car was gone ). I started making phone calls to GM Financial at 8 am on XX/XX/XXXX and was told that the car was in fact repossessed and was provided the name of the recovery company. I told the GM Financial Rep the car was totaled and that I 'm not sure how the car was taken from my driveway because the car could not be driven because the car had been involved in a flood incident, that XXXX had the claim inspector coming on XX/XX/XXXX and provided the claim number. I was told during that phone call that I needed to speak with the GM Insurance Department to resolve the matter and that they would not be opened until XXXX am. I called XXXX to explain the situation. I attempted to speak with the GM Financial XXXX Department 3 times on XXXX - at XXXX am, at XXXX am, & at XXXX - with no answer of each call. On XX/XX/XXXX @ XXXX, I contacted GM Financial and was told that I needed to speak with the Total Loss Department. I was then transferred and was told that GM will contact XXXX to finalize the issue. I immediately contacted XXXX at XXXX to let them know that GM would contact them. I received a letter from GM Financial dated XX/XX/XXXX stating their intent to sell the car. On XX/XX/XXXX, I called GM and was told GM would work with the insurance department because when repossession is involved I have to work with the GM Asset Insurance Department. I called XXXX back to on XXXX to give XXXX the status. On XX/XX/XXXX, I called GM Financial back and after additional transfers it was explained to me that the vehicle had been transferred to the XXXX company in North Carolina. I immediately called the auction company and left several voicemails and sent an email. I then called XXXX again to let them know the status. On XX/XX/XXXX, I received a letter from GM Financial dated XXXX stating that the car was sold for {$7000.00} and that I still owed them {$23000.00}. When I contacted GM Financial to find out why the insurance inspection was never done, I was told that it was up to XXXX to contact GM Financial. I understand why legally GM Financial were within their rights to repossess the car. My complaint is GM financial representatives did nothing to contact XXXX to complete the insurance claim. From XX/XX/XXXX until XX/XX/XXXX, I attempted to work with GM Financial to resolve this as efficiently as possible. Was this situation considered fair business practice and do I owe GM Financial $ XXXX?
Company Response:
State: VA
Zip: 23464
Submitted Via: Web
Date Sent: 2017-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-02-25
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: GM Financial Complaint Consumer Financial Protection Bureau Submitted XX/XX/XXXX The XXXX % XXXX, retired of XXXX who has experienced continued health problem that has caused her to be hospitalized on multiple occasions and have to rely on family and friends to assist with her personal affairs. XXXX XX/XX/XXXX XXXX was unlawfully possessed in XXXX, Kentucky, at The XXXX on XX/XX/XXXX. Under Illinois repossession ( citizenship, XXXX XXXX License Plate ) or XXXX ( XXXX dependent student attends college ) she had not received any written notice of her rights and deadlines/fees. In fact, XXXX contacted GM Financial when she was made aware that her caretaker responsible for paying her monthly bills amongst other bills. XXXX spoke with XXXX and had made arrangement to bring the General Motors Financial Account current as by XX/XX/XXXX. XXXX advised that at that time that there was not any order for repossession, and this was confirmed with the GM Financial Lost Litigation Department. However, XXXX was forced to surrender her XX/XX/XXXX XXXX, and keys at The XXXX, XXXX, XXXX, KY XXXX on XX/XX/XXXX, as her dependent student returned to the University of XXXX. In speaking with XXXX, neither XXXX or GM Repossession department aware of the repossession, and there was not any order to repossess. This was further verified by XXXX a supervisor in GM Financial XXXX XXXX Department. In addition, both individuals expressed that GM Financial was aware that the vehicle was in XXXX, Ky since it is registered to in XXXX. This left me stranded in XXXX. After the XX/XX/XXXX incident, XXXX assigned another family member to handle her affairs, for she has experienced multiple TIA and mild XXXX. XXXX vehicle was XXXX behind when it was repossessed on XX/XX/XXXX, as she was unaware. XXXX XXXX was not properly notified per XXXX Law or XXXX Law on repossession. She has also filed a complaint with the Attorney General Office in XXXX because she is receiving conflicting information on if XXXX has jurisdiction since it was repossessed in XXXX or XXXX has jurisdiction because the vehicle is registered in XXXX. The complaints are pending a response. In addition, a complaint has been filed with the Consumer Financial Protection Bureau. XXXX is grateful for any assistance the Better Business Bureau can provide, as her family and she continue to seek legal representation. To dateXXXX has received no written notification on the repossession, whereabouts of her XX/XX/XXXX XXXX been able to retrieve personal items, or sale date. In addition, because XXXX from XXXX Attorney General Office contacted GM Financial on XXXXs behalf prior to submitting her formal complaint in writing she is being advised that she can only speak with GM Legal Department. XXXX XXXX is grateful for any assistance the Consumer Financial Protection Bureau can provide, as her family and she continue to seek legal representation for she feels her rights as a consumer has been violated. XXXX XXXX has paid the following towards her XX/XX/XXXX XXXX {$10000.00} [ Down Payment ] ; {$28000.00} [ Financed through GM Financial ] ; {$9900.00} [ Amount to pay-off in full ], prior to repossession.
Company Response:
State: IL
Zip: 62269
Submitted Via: Web
Date Sent: 2017-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-25
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I am trying to pay my car loan off sooner and I have paid extra online and I called before I paid and after I paid and checked online to see where the money posted. Gmfinancial made the money post to 2 months and sent me a statement with the next month bill a zero amount due.But they charged me extra interest. I called them to fix it and they then placed in all on XXXX month and then made my bill be late. I called again to fix it they then put it back to paid in advance and not put the extra on principle. They act like they do n't want me to pay extra to principle monthly.
Company Response:
State: CA
Zip: 90241
Submitted Via: Web
Date Sent: 2017-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-22
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: My account with GM has a XXXX balance and is paid off as of XXXX. Due to the was its being reported it is hurting my credit score greatly. It was opened in XXXX and was offered a settlement to pay the vehicle off in XXXX and accepted it.
Company Response:
State: CA
Zip: 92882
Submitted Via: Web
Date Sent: 2017-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-21
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: My payment is listed as 30 days late on XXXX credit report for XXXX. Notified company to update with no results. It is listed correctly on XXXX and XXXX.
Company Response:
State: VA
Zip: 23608
Submitted Via: Web
Date Sent: 2017-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-19
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: GM financial continues to threaten to repossess the vehicle although it paid timely and insurance is properly maintained. I have continued to submit proof to GM financial however, I do receive these letters weekly. I would like GM financial to cease these letters and the harassment. If at all possible, I would like to see they are fined for unfair and deceptive practices.
Company Response:
State: TX
Zip: 77073
Submitted Via: Web
Date Sent: 2017-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-02-09
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I purchased a new vehicle in XXXX XXXX and financed the vehicle thru GM Financial The term of the loan was 72 months ending in XXXX XXXX. Twice during the contract period I was slow in making the monthly payment due on the XXXX of the month originally. But was paid not more than 10 days from the monthly due date of the XXXX. GM Financial Informed me that I could skip that month 's payment by just paying $ XXXX for that affected month and a additional month would be added to the original 72 months. I agreed to this proposal and for that month I only paid $ XXXX instead of the contracted amount. GM Financial changed my due date from the XXXX to the XXXX of each month. Later I was slow in making the monthly payment on the XXXX, but the amount due was was paid within 10 days of the monthly due date. GM Financial again advised me that by paying $ XXXX for the affected month, I could defer the full monthly payment to the end of the 72 month period. However GM Financial added XXXX additional months to the 72 month contract for XXXX instances of making the monthly payment XXXX or less days from the scheduled monthly due date. GM Financial is requesting a final ballon payment in excess of the monthly due amount. Thus 72 months became XXXX 78 months despite no payment was ever late or more than 9 days from the due date.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-07
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: I want to make a complaint about a predatory loan with GM Financial. XX/XX/XXXX, I purchased a XXXX XXXX from XXXX of XXXX, the day after I drove off of the lot with the vehicle ( less than 24hrs later ) I had buyers ' remorse, I was still dealing with the loss of my mother and was not in my right frame of mind to make such a large purchase. I spoke to several people in the finance department and told them that I could not afford the vehicle and that I wanted to return it, but they refused to take it back, in addition to this it was the floor sample and the purchase price was {$15000.00}. There was a rebate on this vehicle. ( which I never received ). ( a ) I purchased the XXXX for {$15000.00} ( b ) I gave them a down payment of XXXX. ( c ) I traded in a XXXX XXXX with a balance of {$3000.00}, ( the blue book value was {$4000.00} ). ( d ) After making my monthly payments for 5 years, in the amount of {$540.00}, totaling {$24000.00} ( per GM 's account history ) ( See attachment # 1 ) ( e ) I asked them to pick the vehicle up from the voluntary return location and sell the vehicle for the parts because the vehicle had new tires, a navigational system and other new items that I recently had installed ; after selling the vehicle I asked them to let me know what the balance would be so that I could make payment arrangements on the balance. ( f ) They let the vehicle sit on the voluntary return location for a month before going to get it, by this time a storage fee had accumulated, which they were not willing to pay. The vehicle is still there, ( g ) I asked them if they would make me an offer they refused ; so I offered to pay them {$5000.00} to settle the contract, they refused. ( h ) After tallying the total amount that I paid for this vehicle it come to {$26000.00} ; - XXXX based on their records ( See attachment # 1 ) - XXXX, down payment, - plus {$560.00} missing payment ( my bank statement/See attachment # 2 ) ( i ) After researching I 've found that this company has a history of practicing in a predatory manner and they have numerous consumer complaints ( See attachment # 3 ). I am requesting an investigation and assistance with cancelling the remainder of this loan. Since I 've already given them {$26000.00} on a {$15000.00} loan, and because of the debate that I was promised but never received.
Company Response:
State: MD
Zip: 20720
Submitted Via: Web
Date Sent: 2017-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No