Date Received: 2022-11-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I reached out to GM Financial on or around XXXX XXXX XXXX regarding a previous lease account that was showing as derogatory on all three ( 3 ) of my Credit Reports. The lease in question was returned XX/XX/, as having been satisfied and paid as agreed. However, my ( 3 ) three credit reports are now reflecting circumstances that are not accurate at all. The report reflects some of but not limited to the following, XXXX - ( Charge off ), XXXX- ( Charge off as bad debt ) and XXXX - ( Account now redeemed/was a repossession ). The representative I spoke was unable to find the account ; would subsequently request a supervisor to facilitate the matter further. The supervisor concurred with everything that I stated, however said that GM Financial could not facilitate any removal of items from my credit report, but a letter would be generated and mailed to me so that you may contact the credit reporting agencies myself. I have yet to receive said letter. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Please see the attached files where you will find all underlined or highlighted discrepancies.
Company Response:
State: NC
Zip: 28213
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: According to the FCRA, agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. XX/XX/2022 - XXXX XXXX XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXXXXXX XXXX ( unauthorized/unverifiable hard XXXX XXXX XXXX XXXX XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XXXX XXXX - Auto Finance ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXX ( unauthorized/unverifiable hard XXXX ) XXXX XXXX XXXX XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXX, XXXX ( unauthorized/unverifiable hard inquiry ) I have attempted to dispute these inquiries with all three credit bureaus. However, they have all refused to investigate the inquiries and have informed me that Hard inquiries must remain on my credit report for 2 years and may not be removed.
Company Response:
State: TX
Zip: 76549
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I was charged a higher interest rate on my car loan because of my XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I asked for accommodation and time due to my XXXX XXXX They refused to give me an extension and threaten to repossess the car.
Company Response:
State: ME
Zip: 04103
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I received a copy of my credit report and this account GM Financial is reporting that my account is open and I missed payments this account is closed as a charge off so how can they say the account is open plus the balance on the account is wrong I have proof as well
Company Response:
State: NY
Zip: 10801
Submitted Via: Web
Date Sent: 2022-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GM FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4400.00}XXXX GM FINANCIAL XXXX Date opened XXXX XXXX XXXX Balance : {$670.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Company Response:
State: CA
Zip: 90278
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: After my XXXX payment, I attempted to set up auto pay, which I later found out was not set up properly. Prior to that, I paid my payments monthly around the due date. Prior to the XXXX payment, GM would send me emails every month letting me know my payment was due in 5 days. After setting up auto pay, or so I thought, these emails stopped. I have not received any email from GM about anything since XXXX I assumed, incorrectly, that this meant my payment would be paid automatically. That did not happen. So, I missed my XXXX payment as a result. To this date, I have not received any email correspondence from GM letting me know my payment was late. I would have missed the XXXX payment also, but GM reported me late to the credit bureaus on XX/XX/XXXX, which I received prompt notice of. I immediately logged on and made both my XXXX and XXXX payments. GM called me 1 time on XX/XX/XXXX, from a toll free number that actually came across as " Unknown '', to let me know my payment was apparently late, but the voice mail only stated they wanted to talk to me about my account with them. I assumed, incorrectly yet again, that it was a sales call. Had anyone let me know I was late I would have immediately made the payment. I have not missed a payment in well over 15 years. I had the money to make the payments. And I thought the auto pay was set up. When I finally was able to speak with someone from GM to try to get this resolved, the person told me that they were calling me over and over about this. That is a flat out lie. They called me 1 time again on XXXX XXXX, which again came across as " Unknown ''. Not once did they say my payment was late. They also claim that they spoke to " someone '' on XXXX XXXX but again, that is a flat out lie. They did not speak to me or my wife. They did not call either number. I made the payments on Thursday, XX/XX/XXXX for XXXX and XXXX. I then set up auto pay a day later. I have not received any correspondence from GM that the auto pay has been set up. I asked why they didn't send me any correspondence letting me know auto pay had been set up. The response that I received was that they don't do that. Every reputable company other than GM does that. Every company will also attempt to contact you multiple ways to get their payment. GM only called twice. They claim they called more than that, but that is not true. Plain and simple ... if my auto pay had been set up like I thought it had been, we wouldn't be in this situation. Since my auto pay was not set up, my emails every month letting me know that my payment was due should have continued. GM stopped sending me my payment due emails in XXXX for some reason, but they won't tell me why because they know it would show that GM dropped the ball with my auto pay. They also claimed they talked to " someone '' on XX/XX/XXXX, which is 100 % false.
Company Response:
State: FL
Zip: 32259
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681 Section a Section 1 Section a : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 USC 1681 Section 602 : 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. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 11 USC 362 Section c Section 3 : XXXX XXXX Bankruptcies must be dismissed. 15 USC 1681 Section b Requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. 18 USC 894 : Using unlawful extortionate means is a violation.
Company Response:
State: AR
Zip: 72143
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I, the creditworthy consumer and living XXXX man, was denied credit by GM FINANCIAL when I applied for Auto Financing from XXXX XXXX in XXXX, TX on the XXXX of XXXX in the XXXX year of our XXXX. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k. GM FINANCIAL is subject to criminal liability for violating 15 USC 1691 as I have proof that I was discriminated against by GM FINANCIAL with the response I received. GM FINANCIAL is in violation of 15 USC 1642, 15 USC 1681m and 12 CFR 1002.7 because I, the creditworthy consumer and living XXXX man, made an application in good faith, however credit was not issued.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: My name is XXXX XXXX and I am writing to you about an unfortunate incident that happened at XXXX XXXX regarding my lease-end purchase processing. Upon receiving the lease-end inspection through XXXX on XXXX XXXX ( at the end of my two-year XXXX XXXX XXXX lease ) , I decided that purchasing the vehicle instead of returning it was the best option. There were about XXXX extra miles owed, as well as some damages outlined in the inspection report that would justify the lease-end purchase XXXX returning the vehicle, as these fees are routinely waived when you lease-end purchase the vehicle. I called GM customer service and they stated that my father could purchase the vehicle and I didn't have to be present. The closest dealership to process this transaction was XXXX XXXX in XXXX ; it is a participating dealership that can process XXXX lease-end returns or purchases. The Sales Manager, XXXX XXXX, required an e-mail from myself stating that my father could return and purchase the XXXX, since I was out of the country. I e-mailed him on XX/XX/XXXX authorizing this ( screenshot attached with GM Financial account details ). It was discussed multiple times with XXXX that we are purchasing the vehicle to avoid the overmileage and any damage fees incurred during the two-year lease. My father signed the provided paperwork with the discussion and understanding that the vehicle was purchased in a lease-end fashion, NOT a used car sale. Since then, GM has contacted me via voicemails stating that I owe a disposition fee, as well as the over mileage fees. A disposition fee is a fee a leasing company may charge you when you return a car at the end of your lease period. The fee is meant to cover the costs of cleaning and preparing the car for a potential buyer. However since we bought the car, this and all other fees should have been waived and never charged. They didn't even do an inspection before " selling '' the car to my father. This communication was never in writing, and they left very vague messages on my voicemail : " this call is regarding your account with GM financial please give us a call back... ''. When I landed in the US on XXXX XXXX XXXX I heard these voicemails and called back to surprisingly learn that I owed these said fees. I had explained that the vehicle was actually purchased, not returned, and the fees should have been waived. i contacted XXXX XXXX right away to get the issue fixed. However, GM later explained to me that the XXXX XXXX actually processed it as a full return, immediately repurchased the car from their auction online, and sold it to my father as a used car. Because the car return was UNKNOWINGLY processed in this manner, the fees are now in collections on my account. GM can not do anything about this, as it is now between the dealership and me. I have reached out to XXXX XXXX to assist as they are the ones who decided to process things this way, and they have stated since the car is a different individual there is nothing they can do. But this was misleading as the need to do the lease-end buyout was clearly communicated and discussed ; otherwise we would have paid the fees and purchased a different vehicle altogether. The debt is affecting both my credit and well-being ; I made sure with GM and the dealership that the chosen route was discussed and agreed on. To take advantage of my father and provide him with the incorrect paperwork and completely disregard the plan for a lease-end buyout without disclosing it is unethical, misleading, and unfair. After trying to contact XXXX XXXX at XXXX XXXX, his general manager offered to pay XXXX as a " good gesture ''. This wouldn't be enough to cover the false charges forwarded to GM Financial, and it was never even sent!
Company Response:
State: CA
Zip: 94513
Submitted Via: Web
Date Sent: 2022-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I keep receiving notifications from my credit monitoring service, that my score SEVERELY decreased due to missed payments on my car loan. Although I HAVE NOT missed ANY payments, GM Financial has reported I have missed my payments for 4 months! I called GM Financial and they told me to dispute it, then they would correct it! I did and NOTHING was updated and/or corrected! I have NEVER paid 30 days late and according to FCRA and 15 US Code 1666b, inaccurate information must be removed and deleted immediatley! I have disputed the inaccurate information EVERY month since XX/XX/XXXX - present, which has been WELL OVER 30 days for GM Financial to correct it! Now, I feel I need to SUE becuase I am very distressed that they have reported late payments/past due info in my credit profile due to damaging effects on my credit standing! Also, I purchased this vehicle in XX/XX/XXXX and I have only had the vehicle in my possession for XXXX months! The remainder of the months it was in the REPAIR SHOP with MAJOR issues, icluding leaking GASOLINE inside of it, which has also caused me to now have XXXX XXXX
Company Response:
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2022-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A