Date Received: 2023-06-08
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I was never informed of my right to rescind.
Company Response:
State: MN
Zip: 55033
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: Urgent Complaint Regarding Potential Fraud by XXXX XXXX XXXX XXXX and XXXX XXXX -, I hope this email finds you in good health and high spirits. I am reaching out to you today as a concerned consumer who has recently experienced distressing and potentially fraudulent behavior by XXXX XXXX XXXX executives and XXXX executives. Based on the information I have gathered through various correspondences with them, I believe it is necessary to file a complaint with the Arizona Fraud Squad and seek your assistance in addressing this matter. To provide you with some context, it has been over eight weeks since I have been facing a prolonged and unresolved issue with my XXXX XXXX XXXX, which is still under both the standard warranty and an extended warranty. Additionally, the vehicle has only accumulated XXXX miles. Despite numerous attempts to obtain answers and a resolution from both XXXX XXXX XXXX and XXXX, I have been met with silence and a lack of cooperation. The prolonged duration of this issue has caused significant financial stress on both me and my family. I have been without a vehicle for an extended period, which has resulted in severe disruptions to my daily life and work commitments. Additionally, I have incurred substantial expenses, amounting to hundreds of dollars, on alternative transportation methods such as XXXX. This financial burden has further exacerbated the already challenging situation I am facing. XXXX of the key concerns revolves around the unexplained depletion of approximately XXXX miles of XXXX XXXX XXXX ( XXXX ) in my vehicle. I firmly believe that this depletion of XXXX was caused by previous work done on my vehicle 's fuel system, which was performed by XXXX XXXX XXXX. As a result of this depletion, my vehicle abruptly broke down, leaving me stranded on the side of the freeway. The subsequent cross-contamination in the fuel system has led to the ongoing issues I am experiencing with my XXXX XXXX. Despite my extensive research and repeated inquiries to XXXX XXXX XXXX and XXXX executives, I have not received any satisfactory explanations or assistance in determining the cause of this depletion and subsequent contamination. Moreover, it is disconcerting to note that there is no transparency or accountability from these executives in addressing this issue. Incredibly, both XXXX XXXX XXXX executives and XXXX executives are now denying my warranty claim and informing me that I will be responsible for covering the repair costs, which they estimate to be between {$15000.00} and {$20000.00}. The exorbitant amount they are demanding for the repair or potential replacement of the motor is both unjust and unreasonable on top of the fact I still owe {$59000.00}, especially considering the vehicle 's low mileage and the fact that it is still under warranty. Furthermore, it is worth noting that XXXX XXXX XXXX has a F rating on the XXXX XXXX XXXX, which further validates the questionable business practices and lack of customer satisfaction. This rating serves as an additional red flag and raises concerns about the credibility and integrity of the dealership. Given the gravity of the situation, the fact that my vehicle is still under warranty, including an extended XXXX warranty, and has only accumulated XXXX miles, and the complete lack of cooperation from both XXXX XXXX XXXX executives and XXXX executives, I strongly believe that it is imperative to escalate this matter to you for a thorough investigation into potential fraudulent activities and consumer protection violations. I kindly request your assistance in initiating this process and ensuring that the necessary actions are taken to hold these executives accountable for their actions. I am prepared to provide any additional information or documentation that may be required to support this complaint. I appreciate your attention to this urgent matter and eagerly await your guidance and assistance in pursuing justice and protecting the rights of consumers. Thank you for your time and consideration. Sincerely, XXXX XXXX
Company Response:
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I've been subject to unlawful use of a credit card in my name ( SSN ) on XX/XX/2023. I was denied credit in order to attain XXXX Pickup Truck on this date, yet there remains an inquiry on my credit report, meaning that there was money transferred, or made with the use of my SSN ( credit card number ) & I have not benefited from this action, as I was denied the extension of my credit. This is a clear violation of 12 CFR 1002 ( Regulation B ) & considered credit discrimination. I am a creditworthy consumer & I can not be denied an extension of my own credit, much less by a business who intends to use my information for profit.
Company Response:
State: PA
Zip: 159XX
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NOTICE OF DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to XXXX years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission or without permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C. 1618b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. supp 2d711 ( S.D Ind.2003 ) I have not initiated any transaction with XXXX XXXX XXXX XXXX XXXX furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Americredit XXXX for review for collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under XXXX XXXX, imprisoned for not more than XXXX years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C 1681n ]. Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via certified funds to : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30291
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: During XXXX ( XXXX ), I had gotten a payment deferred. On my 2nd to last payment, I had a payment returned due to my bank having a fraud alert. I immediately paid the amount again, which was then XXXX days late. I got a XXXX day late remark on my credit report that they refuse to remove, saying it was XXXX days late. After checking my payment schedule and history and talking with a representative, it looks like the deferment was not applied correctly. They were going to remove the remark, but they continue to report it and claim it is accurate when disputing it with the credit reporting agency. The accuracy is also wrong, with multiple credit reports showing different months it was 'late ' as well as the loan being paid after it was paid off. This was the only 'late ' remark on any of my XXXX loans, as they are always paid on time, which makes me certain this was an error on their side. I was in communication with them throughout the XXXX issue, and was reassured that the deferment was in place with the additional payment moved to the end of the loan.
Company Response:
State: OR
Zip: 978XX
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I noticed unauthorized inquiries on my credit report that would like removed.
Company Response:
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 2 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a loan account under an open and consumer credit plan as late for any purpose. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: OH
Zip: 44077
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: GM financial has commit fraud. I have submitted a pay off of my loan for well over the amount i owed just in case they added on additional fees. They accepted my payoff but never gave me credit and then repossessed my vehicle for non payment. they will not return my vehicle or my payment to me. this payment was sent to the ceo of the company and was never returned or credited. I have submitted a notice of dishonor to the ceo via XXXX XXXX Priority mail express along with a bankers affidavit and a fee schedule. I wil also be submitting a 3949-A to the IRS for organized crime, public and political corruption, false/ altered documents, unreported income,
Company Response:
State: WA
Zip: 98208
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: We had a Retail Installment contract and security Agrement with XXXX XXXX not with Americredit or GM we want this info report on my and my husbands credit file to be removed! We never signed anything with these two lenders XXXX XXXX did, we did not! Its destroying both of our credit, we have asked for it to be removed from our file! We are demanding it, ASAP, wehave provided documented proof we did not sig any loan with GM or Americredit! XXXX XXXX signed the paper! The XXXX was A Lemon had open recalls on and we could not get it repaired the part were comming from XXXX andvXXXX XXXX could not get the part after several months of the car not running and breaking down we stopped making payments and within 1 week the care was picked up and we were told it re sold! We were lied to by the Dealer and This lender we have asked to have this removed off our credit files! But they refused,
Company Response:
State: IN
Zip: 477XX
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: XXXX left in the FEDERALTRUTH-IN-LENDING Disclosure and they interfered with registration of vehicle tag.
Company Response:
State: FL
Zip: 32503
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A