Date Received: 2023-04-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Company Response:
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance with " The Fair Credit Reporting Act XXXX '', Americredit Financial on XX/XX/2021, has violated my rights by way hard inquiry on my credit report. 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Company Response:
State: PA
Zip: 19608
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My car was broken into last year and my identity was stolen, and there are fraudulent account ( s ) and inquiries reporting on my credit report. I have reached out to the companies directly and the credit bureaus to solve this issue but have received no help in doing so. I attached the police report information and a FTC report to hopefully expedite this matter. This fraudulent information being on my reports is causing harm to my reputation with credit unions and banks and it is unfair that ir has not been removed despite my efforts. XXXX XXXX - Fraudulent inquiry on XX/XX/2022 XXXX XXXX XXXX - Fraudulent inquiry on XX/XX/2022 GM Financial - Fraudulent inquiry on XX/XX/2022 XXXX XXXX XXXX XXXX - Fraudulent inquiry on XX/XX/2022 XXXX XXXX - Fraudulent account showing on my credit reports
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/2023 I called Gm financial to have my account notated to apply all future overpayments directly to the principle. The first customer service rep informed me that any overpayment up to {$200.00} would be automatically applied to the principle but anything over that would require a call every time. I asked to speak with a supervisor. The first supervisor reiterated everything the first CSR said. I asked for another supervisor. The 2nd supervisor started out telling me that every overpayment would require a phone call to get it applied to the principle. After speaking for several minutes and informing them what i had been told by the previous customer service reps they changed their story to say that if I made 4 overpayments in a row, with calls, that on the 5th overpayment that i could call again and get them to apply all future overpayments directly to the principle... This seems like a very shady business practice to me. To put overpayments to the principle behind a phone call and subsequent wait time is to discourage early payoff first and foremost and secondly to misapply overpayments if the customer does not check on where the payment is applied. This puts too much burden on the customer.
Company Response:
State: MO
Zip: 636XX
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I opened a new car loan with GM Financial on XX/XX/2022. I am very frustrated with the lack of detail on their website and monthly statements. My agreed monthly payment is {$380.00} and I decided to pay {$500.00} a month to pay this loan off quicker. My XXXX Statement did not show my first payment anywhere on the statement, but it did apply. I have no record of this payment with GM and can't see how the payment was applied. The only record I have is that my balance did go down and my banks billing history shows I made a payment. My XXXX Statement shows my {$500.00} payment and that the payment was applied as following : {$410.00} principal + {$84.00} interest These numbers make sense to me, but this is NOT how the money is applied. They carry forward the overpayment and apply it to the next months ' payment which is only evident by the total amount due for my next months payment being far less than the expected {$380.00}. My bill shows I owe {$140.00} for the month of XXXX. After calling about my payments, I was informed that in order to make any additional/extra payment towards principal, the company requires a phone call within 24 hours of the payment being applied to my account to specify how the payment should be applied. The website dashboard does not show any history of payments, the statements I'm receiving are not accurate, and there is no way I can verify that my payments are being applied as I request. I can't believe that this is how a company as big as GM Financial would operate, but a quick internet search proves that I am not the only one experiencing this. The only payment I can see on the website is the last payment applied and I can request copies of my old statements, which do not show all my payments and are not accurate. I do believe my current balance is correct, but I have no way of double checking that the calculations are correct.
Company Response:
State: AZ
Zip: 85009
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2022 I went to a XXXX XXXXXXXX XXXX in XXXX XXXX XXXX to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report. Where is the credit app? Ive tried to resolve this multiple times. everyone seems to think it's funny except XXXX XXXX. Since they think it's funny, I would like to seek damages according to : 15 U.S. Code 1681n - Civil liability for willful noncompliance. I want XXXX dollars per willful violation for damages to myself, business and employees. I will submit evidence
Company Response:
State: MS
Zip: 39047
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was offered a settlement of XXXX dollars ( which I paid ) to settle my account with GM Financial. I also have written documentation that states " our client ( gm financial ) will report the account has been resolved for less than the balance '' ( XXXX XXXX ). Instead of reporting the account accurately, they reported my account as if if I STILL HAVE A BALANCE DUE ( XXXX and XXXX XXXX ). This mistake dropped my credit score XXXX pts. I disputed this, reached out to GM Financial regarding this and within a week they reported the account as " XXXX missed payment '' and that my payment is currently late ( XXXX ). THIS IS AN INACCURATE report and a FCRA violation in which they fail to understand. This second mistake caused my credit score to drop XXXX more points ( IMG XXXX ). This makes XXXX sense IMPORTANT FACTOR : This account was charged off XXXX yrs ago in which I already took a hit to my credit for at the time. There is no way I should be penalized XXXX times especially after paying the agreed upon settlement. In the least bit XXXX shouldnt have lost any points. Since I paid the settlement balance and have in writing they would report the account as being resolved, I am looking for Gm Financial to erase this account off of my credit report returning my credit score back to normalcy. If Gm fails to resolve this I have no problems getting lawyers involved.
Company Response:
State: IL
Zip: 60626
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: A vehicle lease was opened fraudulently in my name, I contacted XXXX first and they verified the account as accurate and told me to contact the furnisher. I made a complaint to the consumer financial protection bureau about XXXX and contacted Gm financial directly. I sent them a letter of validation as required by the financial credit reporting act requesting all the documents with my signature and matching identifiable characteristics. Please note : I never received what I asked them for, instead they sent me a fraud packet to fill out and a list of identity documents to submit which included. Birth certificate, copy of social security card, drivers license, passport, phone bill, police report. This dispute has been going on for over 1 year and a half with no corrective measures taken. This XXXX I received a letter from Gm Financial stating that their records indicate a credit application was submitted fraudulently in my name by XXXX XXXX and is invalid due to identity theft. This letter also stated that the account will be removed within 30-45 days. I have since contacted Gm financial being that 45 day period expired to inquire about the account remaining on my report and they denied having any knowledge of any letter that was sent to me regarding the removal of this fraudulent account. Below I have attached the actual letter and envelope it came in, please take note of the dates on both.
Company Response:
State: NY
Zip: 11550
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Account info Account name XXXX XXXX Account number XXXX Account type Auto Lease Dear [ Creditor or Credit Reporting Agency ] , I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. Thank you for your prompt attention to this matter. Sincerely, [ XXXX XXXX ]
Company Response:
State: MD
Zip: 21157
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: A THIRD PRTYCOMPANY HAS MY LOAN AND I HAVE TO GO THROGUH THEM TO MAKE MY CAR PAYMENTS. THEY TOLD ME TO GO THROUGH THE PROCESS IN THIS XXXX AND MY REFERENCE NUMBER IS XXXX
Company Response:
State: FL
Zip: 33461
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A