Date Received: 2023-12-17
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I was sent the title, but this still appears on my report.
Company Response:
State: FL
Zip: 32926
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I purchased a vehicle at XXXX XXXX XXXX and I purchased encouraged by the finances department a gap insurance and extended warranty for the vehicle. The loan was transferred to another bank the vehicle was refinanced and the services with the current bank GM were cancelled, the payoff amount was sent in XX/XX/2023 after this payoff amount was sent, I requested for the gap insurance and the extended guarantee remaining money to be sent to me as a reimbursement, because I no longer have services with GM XXXX. After months of fighting and dealing with the bank the dealership and many requests done over the phone via email and in person, I still don't have my money reimbursed. I understand that this process takes time but how come the bank retains the money that is owned to me when they pay off amount was sent so long ago and the services were automatically canceled. I called and they don't answer my phone calls nor return any messages back. This is extremely disrespectful that they take your money and they don't want to give it back to you once they don't own it no more. I need help with this matter.
Company Response:
State: FL
Zip: 33034
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: At least the car from GM financial when my lease is up they told me I have 30 days to return it, then they gave me additional 30 days to get a new car with them which I did, in the meantime I tried making a payment they did not accept it l, They said I have to bring back my car, at the time when I got my new order in I made the payment the full and they went and they reported me to The credit bureau that I made a late payment even though they did not accept my payment, also I spoke to representative They told me they send the bills to my address without an apartment number which I never received Please help me out
Company Response:
State: NY
Zip: 11206
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Due to identity theft I am disputing these inquiries on my XXXX credit report that I didnt not authorize for my credit to be ran. XXXXXXXX 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 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 XXXX XXXX XXXX
Company Response:
State: TX
Zip: 76708
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Around XX/XX/2023, XXXX XXXX ran a hard inquiry on my report that I did not authorize.
Company Response:
State: OH
Zip: 44146
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I see a lot unidentified inquiries on my credit profile I did not apply for and I want to fix this on my credit report.
Company Response:
State: GA
Zip: 30046
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX I paid off a volunteered reposed car of over {$16000.00} with the GM Financial on a XXXX XXXX XXXX they would remove the charge off listed on my credit report. As of XX/XX/XXXX it has not changed. I contacted them in mid XXXX and asked for a correction with no change. When I couldnt afford the car I had them repossessed voluntarily I need a correction on my credit report.
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I requested all refunds of payments made from the beginning of contract there was no debt it was paid in full and they still took money from banking accounts etc and had negative impact on my credit score and all payments were made on time.
Company Response:
State: IL
Zip: 60438
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to formally dispute and request the correction of inaccurate late payment information that has been reported on my credit report. I have carefully reviewed my credit report from your bureau, and I have identified discrepancies regarding late payments that do not accurately reflect my credit history. XXXX XXXX XXXXXXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or GM FINANCIAL customer service. Please provide a written response acknowledging the receipt of this dispute within 30 days, as stipulated by the FCRA. Additionally, I request that you inform me of the results of your investigation and any actions taken to correct the inaccuracies on my credit report. I appreciate your prompt attention to this matter and your commitment to maintaining the accuracy of consumer credit reports. If you require any further information or documentation, please do not hesitate to contact me.
Company Response:
State: NY
Zip: 11206
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to dispute inaccurate information on my credit report related to the account with XXXX, account number XXXX, which was opened on XX/XX/2018, with a current balance of {$0.00}. It has come to my attention that the payment status and late markings for this account are inaccurately reported. I want to emphasize that I have never been late with XXXX XXXX, and upon discovering the reporting error, I contacted the company directly. They acknowledged the mistake and agreed to update the information accordingly. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ). XXXX XXXX.
Company Response:
State: NJ
Zip: 08701
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A