Date Received: 2016-09-06
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: I am having financial difficulty and trying to get a deferment and my lender is not allowing me to do so without paying them {$300.00} to do a deferment. A deferment does not cost money, it is a right as a consumer and they should not be charging me to do so. I have never missed a payment until recently and at a time when I most need help, they are not helping me. I received a letter from them about getting a deferment but when I called they said I could not do a deferment and the manager said I could and I received a letter. This is inconsistent and I believe they are causing further undue hardship.
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2016-09-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-02
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I called GM FINANCIAL on XXXX/XXXX/16 requesting a 60 day deferrment. I was advised all I needed to pay was {$200.00} and I would not have a payment due till XXXX/XXXX/2016. The deferrment would cover XXXX and XXXX payment. I provided the checking account information for the funds to come out on the XXXX. During this time I had XXXX which required a hospital stay and a long recovery period. I noticed that as of today XXXX/XXXX/16 the funds never came out for the {$200.00}, and also noticed I was receiving a barrage of phone calls and emails. I called GM back and was advised by a representative that they had the wrong checking account information and therefore the deferrment did not go through. I advised the representative that I wasnt notified and that any negative reporting should be null and void and I shouldnt be past due. Please look into this and see what happened to the call I made on XXXX and why the deferrment didnt go through.
Company Response:
State: DE
Zip: 19977
Submitted Via: Web
Date Sent: 2016-09-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-31
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I have attempted to contact the creditor in order to verify debt but I have received no response nor documentation of the same
Company Response:
State: PA
Zip: 19142
Submitted Via: Web
Date Sent: 2016-08-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-01
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: GM Financial has received both our XXXX and XXXX lease payments totaling {$590.00}, but they claim not to have received the money.
Company Response:
State: CA
Zip: 90274
Submitted Via: Web
Date Sent: 2016-09-07
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-30
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I am being contacted at my place of employment after submitting XXXX complaints online stating that I can not receive collection calls at my job and after removing my work number off of my account.
Company Response:
State: LA
Zip: 70114
Submitted Via: Web
Date Sent: 2016-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-24
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: GM Financial is a rip-off company. I got a deferment for my car loan through GM Financial and they forced me to pay XXXX and to give them my phone number when there is a cease communication on my account. I do not want GM FInancial calling me period, ever. They do not have permission to contact me of any references via telephone. They only can contact me in writing. They give me all these random stipulations in order for them to grant me a deferement. I spoke to XXXX who said he was the collections manager and he said that the only way that I could get the deferement is if I give him my license plate number. That has never been requested in order to process a deferment. I explained to GM Financial that I had came across hard times and loss a loved one and had to help come up with funeral expenses so I needed to defer my loan. They still forced me to pay XXXX in late fees and XXXX for a deferment fee. I feel that this is EXTREMELY unethical. I spoke to XXXX different reps today and they were so rude, incompetent and unprofessional. XXXX was going to process my payment over the phone but ALSO charge me XXXX extra dollars for a payment processing fee. This is not a good way to treat a valued customer. I would like to opt out of ALL advertising and any further communication from GM Financial. I do not want to be emailed only sent paper letters in writing regarding my account. They are a terrible company to do business with. I do not see how it is legal for them to MAKE UP rules and stipulations surrounding processing a deferment. I feel that it is ruthless ans dirty for them to make me pay fees that I really did not have behave as savages requesting private information from me.
Company Response:
State: IL
Zip: 60302
Submitted Via: Web
Date Sent: 2016-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-24
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: GM Financial has not released a lien on my vehicle. I paid them the balance of the loan via XXXX XXXX as requested by the company and per their company policy they stated the lien release would happen in XXXX business days. GM received the balance of the loan on XXXX/XXXX/16, per their customer service rep. and it is now XXXX/XXXX/16, and the Arizona Motor Vehicle Dept. still has not received the lien release electronically. GM 's rep. states it was done XXXX/XXXX/16. I received a notorized Lien Release letter XXXX/XXXX/16, and contacted the AZ MVD and they state they have not received an electronic lien release from GM.
Company Response:
State: AZ
Zip: 85338
Submitted Via: Web
Date Sent: 2016-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-22
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I am 3/4 of a month behind and GM Financial is calling me about 4 times a day ... all different times. I have the info stored on my phone. They are calling me while I 'm at work and can not answer. They are blowing up my phone.
Company Response:
State: WI
Zip: 530XX
Submitted Via: Web
Date Sent: 2016-08-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-19
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I paid off a vehicle loan via ACH on XXXX XXXX, 2016. Funds were debited from my bank account on XXXX XXXX, 2016, Therefore, the lender had no right, title or interest in the vehicle from that date forward. It is now XXXX XXXX, 2016, and I still do n't have the title. There is no excuse for GM Financial to hold a title for so long after a payment is made, in today 's world, when payments are routinely processed overnight, especially in light of Check XXXX. A couple days, maybe, to be sure payment cleared, but three-four weeks is excessive.
Company Response:
State: CA
Zip: 92881
Submitted Via: Web
Date Sent: 2016-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-19
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: Summary : GM Financial has completely failed as a lease provider in transitioning from one lease to another lease and as a result of their system and process XXXX, I will have a missed payment reported to the credit bureaus and my credit impacted despite paying them four weeks ago and five calls with them trying to fix their system issues. Details : I had a leased vehicle through GM financial, completed the lease with 24 on time payments, no damage turned it in and immediately leased a new vehicle through GM financial. The previous account was setup on autopay. When transitioning to the new account they did not transfer over the autopayl so i setup a new autopay on XXXX XXXX with the payment due on XXXX XXXX. GM financial indicated they would mail me a letter when the autopay was setup. I did not receive a letter prior to XX/XX/XXXX, however when i logged into their online account on XXXX it showed as {$0.00} balance due. I logged in again XX/XX/XXXX and it continued to show {$0.00} balance due, next payment due XXXX XXXX. Autopay setup was confirmed on XX/XX/XXXX via a XXXX cent deposit to my checking account. Finally when i logged in on XX/XX/XXXX there was a banner showing that i missed a payment and to make a one time payment immediately. I clicked the banner to make the one time payment which took me to XXXX XXXX where I made the one time payment immediately and received email confirmation of the payment and the money came out of my checking account. A few weeks later my wife received a phone call from GM financial saying that we never made a payment. I called back in gave the agent the XXXX XXXX confirmation number explained what happened, he was able to lookup in their system that the payment was applied to the old lease account we had for some reason rather than the new one where it was due. He said no problem i will reverse that now, apply to the right account and make sure there is no late fee or credit report impacts, problem solved right? Wrong, two weeks later, my wife receives additional phone calls from GM financial, she returns one on XX/XX/XXXX and the agent tells her we have missed a payment and if we do n't pay by midnight on XX/XX/XXXX we will be reported to credit. My wife gives the same story, provides the XXXX XXXX confirmation number, the agent says ah yes this was applied to the wrong account let me reverse it and apply it to the correct account. My wife explains we went through that two weeks ago, the agent says they have no record of that but they will take care of it. The next day on XX/XX/XXXX my wife receives another call from an agent telling her that we have missed a payment and we will be reported to credit if payment is n't received by XXXX. My wife explains the exact same thing, there are no notes on the previous calls, agent looks up XXXX XXXX sees the issue, says they will reverse payment, etc. The night of XX/XX/XXXX i call GM financial to ensure that this issue is being resolved and this will not be reported to credit agencies for being 30 days late. Agents and supervisors confirm that the payment reversal is in their system and tell me verbally that my credit wo n't be impacted but that it will take a week for the reversal and if it gets reported to credit agencies that they will fix it. I state very clearly that i want something in writing that day telling me that this will not be reported to credit at all as we paid 4 weeks ago, I am not interested in the correction as it is their system who has messed this up it should never be reported in the first place. Agents tell me they do not have the ability to put that in writing as another department handles that but they will call me the next day and get a letter out. I never received a call on XX/XX/XXXX i called them in the evening and they are unwilling to put it in writing today that my credit will not be impacted.
Company Response:
State: MI
Zip: 48170
Submitted Via: Web
Date Sent: 2016-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No