Date Received: 2022-09-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by covid-19. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.
Company Response:
State: NC
Zip: 27834
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: At the end of XXXX I had a XXXX XXXX XXXX that landed me in the hospital. I have been diagnosed with a XXXX XXXX. I am a XXXX XXXX so because of the XXXX, I cant drive for 6 months in the state of Louisiana & a year across country. I will be out of work until I am XXXX free for that length of time. I was the sole provider for our household. It would have been really ideal if my wife could have picked up where I left off & gone to work XXXX XXXX XXXX She is a XXXX XXXX as well. But she has been tasked with seeing after me to ensure I dont have any breakthrough XXXX, as I have had to change my meds during this. She also has to lift heavy things for me and take care of the household, as I cant over exert myself until I am fully healed & cleared by the doctor. I also have appointments that she has to drive me back & forth to in XXXX XXXX. Hopefully my last appointment will be this one coming up on the XX/XX/XXXX & my wife will be able to go back to work on the XXXX. Once she goes back to work, we can get caught up. We havent had any income coming in. We have a XXXX account that we got some money, but thats gone. We had a donation that covered last months utilities, but we are still behind on this months utilities. Our electric company is XXXX all their customers right now. But thats beside the point. We are not trying to avoid paying our bills. We have been on point and on time with our bills up until this situation. We just need one more month, and they refuse to give it to us. Here are the steps we have taken to get assistance from this company. Back in XXXX we had a setback with the company I was working for. My truck was down for 3 weeks. We didnt have income coming in at all. We contacted GM immediately to inform them of the situation and to see what we could do to get help. They said they would give us an extension, but we had to pay {$210.00} to get the extension. That is half our car note. I mean, we had to end up borrowing money from someone to pay that. It isnt much help if you have to pay half your car note to get an extension, but we did it. We were desperate. They put the rest of XXXX & all of XXXX on the back end of our loan. Moving along, I quit my current job and went back to my original trucking company because I wasnt making the money I was promised. Things were getting back on track. We were getting our bills caught up then I had a XXXX. We called GM again, because we realized it would be a few months before my wife could go back to work. We explained this to GM. We called in XXXX. We paid XXXX with money we had, but that was all we could do. They said they would file another extension for us, but again, we would have to pay XXXX dollars for the transaction. We told them we would need a few days to get that money together. We did. We called back the following Friday. They told us they wouldnt be able to help us because we had an extension already & we have to wait another 6 months before we can apply for another one. He said that they do everything they can not to take our cars from us & that as long as we accept the calls when they come in & cooperate with them, they will work with us. We have to be transparent & let them know everything. He informed us that we would start receiving calls at day 45. We said ok. At day 45, we started getting phone calls. Not sure the exact date. We informed the guy that called that my wife would hopefully be able to start working again in XXXX, not sure when, and that we wouldnt be able to make a payment until she started working. He said, Ok, we will call back next week & see if anything has changed. We told him it wouldnt. He still insisted that things may change. Seemed like he just didnt want to deal with it and was passing the buck. We get a call again the following week. We explain to them everything we have said here, for a 3rd time, and they said we cant just not make a payment & there is nothing they an do. At the 60 day mark, they will come and get the car. We told them that we dont have the money & we arent just not paying it. We have no choice right now. We have been good customers up until now. We are just asking for one more month. They said that was too much. They cant do it. They said we can take out a loan to pay for it or refinance or trade it in or schedule a pick up or turn it in. We told them that we are cooperating with them. We called them first & have answered their calls. We told them what was said to us previously, and they said we were misinformed. We spoke to 6 different people in the course of 2 days. No one would hear us. They werent even trying to help us. I could understand if this was an ongoing thing. We have documents and evidence showing that we arent lying. We offered to send it to them. We even offered to make a partial payment as a proof of trust showing that we are committed to getting caught up. They said we could pay it, but they would still take the car. So we counted the months from the time when we filed our last extension & realized it was 6 months ago. We filed the extension in XXXX. So, we called back today & told them we would like to file another extension. They said we cant file another extension because it hasnt been 6 months. I said yes it has. It was in XXXX that we filed. That was 6 months ago. They said, you dont qualify for another extension because you have to have consistent payments in between extensions in order to get another one, and you havent. We told them we wouldnt need another extension if we could pay them on a consistent basis. Basically, they are telling us something different every single time we call so that they cant help us. I realize that the Louisiana law states that at 60 days they can repossess our car, but we arent the typical customer. We arent just dodging our payments. We plan on getting back on our feet again, we have just fallen on hard times. They said that we just cant not make a payment that when we signed the contract we agreed to make payments every month. I said yes, but I didnt plan to have XXXX! And we are telling you that we are promising to pay come XXXX, but they said that is too far out. I kept asking them, so you are saying you are choosing not to help us. They refused to admit that but kept redirecting the conversation. Then when we would get upset & raise our voice because they were not listening to us & kept repeating themselves, she threatened to hang up on me. One of them asked me if I could hear her clearly, and I said yes. She said something to the affect, I was just making sure because it didnt seem like you can. I told her I can hear you clearly. Another one when we called & asked to speak to a supervisor refused to connect us unless we gave him the details of our request. And another one when we called today and asked to speak to the supervisor let out a heavy sigh before agreeing to it. The supervisor told us he couldnt help us either. Bottom line, anyone can do anything they want to. We all have a choice in this life. There is NOTHING stopping them from helping us. They are CHOOSING not to help us. We are doing everything we can on our end to keep them up to date on the situation & keeping up communications so they know we arent trying to XXXX them over. Back in the day, when people fell on hard times, we helped each other. We arent asking for a free ride. We arent asking for anything other than time. They dont give it to us, we will just file for bankruptcy and keep our car & house & they will lose money anyway. That is our next step. The car company is GM Financial
Company Response:
State: LA
Zip: 70560
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Beginning in XXXX, I entered inro a lease with GM Financial for a XXXX XXXX XXXX. In XXXX Covid hit the US and I started having difficulty making my payments of approx. {$590.00} monthly. I got GM to work with me to try to resolve the problem, and an individual named XXXX XXXX began wo work with us ( my wife. GM continously threatened me with repossession or charge-off of the vehicle. We are both senior citizens with health issues. The car is all we have for medical, food, pharmacy etc. Our family ( XXXX sons ) is assisting us with the payments, but they too have responsibilities. They wanted {$1100.00} by XX/XX/XXXX or there will be a charge-off. They simply stopped trying to help once they felt no one was " watching '' them. XXXX XXXX states to my wife since she did not contact her during the month of XXXX, there would be a charge off. We didn't call and there would be a charge off? We are both ill and our income has dwindled since XXXX. By no means are we trying to avoid payment. Our previous record with GM Financial can attest to that ( from XXXX until XXXX ). All we want is time to respond with the required payments, and stop threatening me with reposession or charge off. I am sure they will come back with the record of payment or some such thing, but we were very good customers with GM and we are not asking for a hand out, but a hand up. Can you please help? This is an urgent matter ; we want to work this out, and we don't want our car repossessed. We are so close to the end of the contract, and we want this to work. HELP! .
Company Response:
State: WA
Zip: 98059
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
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: I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : GM FINANCIAL XXXX Date Opened : XX/XX/2019 Balance : {$1200.00}
Company Response:
State: NY
Zip: 10314
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: As of XX/XX/XXXX i made a {$500.00} a payment. This was applied to the XX/XX/XXXX payment due at the time. I texted with the XXXX App the next day XX/XX/XXXX as the {$500.00} was applied to the XX/XX/XXXX payment due and then towards the interest on the XX/XX/XXXX payment. Not yet due. The rep i texted with said they'd fix it and reapply the difference towards the principal. After it was corrected i made another {$50.00} payment to the principal XX/XX/XXXX ( before the XX/XX/XXXX ) payment is due and their XXXX system misapplied it again ; It was applied to interest not yet due. I had to text them again about it and they said it would be fixed. Then i had to call to make the request. 3 times this month. I requested a payment history from XXXX after the payment corrections. The math behind the recorded XX/XX/XXXX payment does not make sense with the anticipated amortization that has occurred since i bought the car. It's not on track. ( PLEASE SEE ATTACHED PAYMENT HISTORY SENT TO ME BY XXXX ) Each month a portion of the payment is applied to interest the other to principal. AS an XXXX for a big bank with a business degree i'm fully aware on how amortization works. So with that being said. i'd like to report financial harm being brought on by GM Financial. Their payment system constantly misapplies my additional principal payment with hopes to pay this loan off sooner than the XXXX payments i signed up for. EACH month since i bought the car i've had to call and write them. I believe this is the XXXX complaint about this. I would hope the CFPB is keeping track of this customer nuisance. If you look at the attached payment history you'll see between the recent recorded payment and what was paid in XXXX XXXX XXXX last month vs prior month you can see the trend based on the amortization. For some reason they charged me more in interest on the XX/XX/XXXX payment than they should have. I believe this is attributed to the same funds intended as additional principal being yet misapplied. I believe they are manipulating their payments on purpose to keep people in debt longer at 8 % and not giving credit for the client 's on-time payments with additional funds to decrease the balance. Considering there's a common trend with reported numerous complaint i would hope the CFPB would open a case to inquire about their payment software and billing practices. I'd like to report the financial harm they are causing.
Company Response:
State: MN
Zip: 55420
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 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 a 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 any Purpose
Company Response:
State: CA
Zip: 94509
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XXXX XXXX there was an unauthorized credit inquiry made on my credit report by Americredit. this seems to be an auto financing company.
Company Response:
State: NY
Zip: 11416
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Getting a loan or lease
Subissue: Problem with signing the paperwork
Consumer Complaint: Re : My response to Consumer Financial Protection Bureau Complaint Case Number : XXXX Response by GM Financial XXXX AmeriCredit XXXX XXXX XXXXXXXX. This is my response to your response you submitted to cfpb.gov on behalf of my complaint about the Truth In Lending Act and Regulation Z, Federal Trade Commission Trade Regulation Rules pursuant to 16 CFR 433, and Equal Credit Opportunity Act 15 USC 1691 violations in this consumer credit transaction and consumer credit contract regarding the down payment being included in the finance charge and finance charge being the sum of all charges pursuant to 15 USC 1605 also that insurance was suppose to be included in the finance charge and various other violations in this consumer credit contract provided by you and XXXX XXXX XXXX XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX, they swapped the initial deal back for the XXXX XXXX XXXX XXXX XXXX and from the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX XXXX had a deal fall through so they said I was approved for it again and we commenced into the consumer credit transaction once again for it, XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX and XXXX told me that the down payment would be included in the finance charge, which should not include anything in an comparable cash transaction including cash also would be a violation of 15 USC 1662 ( 2 ) because the down payment was unique to this transaction and was not customarily arranged in payments, along with warranty and tire plan but not insurance which also should have been included as well, so once XXXX XXXX XXXX sent over the consumer credit contract digitally for me to sign I looked through it and found numerous violations in it 16 CFR 433.2 of the Federal Trade Commission Trade Regulation Rules state that I can assert my rights as a debtor in any aspect of the transaction including before signing for false and deceptive practices, so I made XXXX XXXX XXXX aware of the violations in the consumer credit contract during the consumer credit transaction expressing my rights in good faith about the violations also the down payment he tried forcing me to put down saying that AmeriCredit XXXX XXXX Required it and I got discriminated against which was a violation of XXXX XXXX XXXX ( a ) ( XXXX ) of the Equal Credit Opportunity Act. GM Financial XXXX AmeriCredit XXXX Services responded XXXX XXXX Consumer Financial Protection Bureau saying I was approved for the vehicle loan and that it was the dealership trying to make me put a down payment down which would violate both 15 USC 1605 and 15 USC 1662 ( 2 ). So if I am approved for the vehicle loan and you state that it wasnt required by you to put the down payment, I will go to XXXX XXXX XXXX XXXX XXXX XXXX and finish the deal for the XXXX XXXX XXXX XXXX XXXX, preferably sign digitally since I am working out of state at the moment, and either pick up or have vehicle delivered to my home without any money down to avoid violating the Truth in Lending Act no Adverse Action or unfavorable changes to any of the terms because that would be also a violation of 15 USC 1691 of discrimination after I was already guaranteed approved and I expressed my rights in good faith, or any denials because this would also be the same. I will attach the response letter from which GM XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX sent to the Consumer Financial Protection Bureau as response to my complaint for reference also the affidavit of truth and contract violations I attached to complaint and emailed over to both XXXX Sellers XXXX XXXX XXXX XXXX and GM XXXX XXXX, XXXX XXXX XXXX XXXX XXXX with no response. I can also send in the audio recording of XXXX XXXX XXXX saying what is included in finance charge. I dont want to be a hassle I just want to conduct business the lawful way and not in a false and deceptive one and get my consumer credit that were to be provided to me for purchase of the XXXX XXXX XXXX XXXX XXXX, I will also cc this to XXXX XXXX XXXX XXXX XXXX XXXX, the Louisiana Attorney XXXX XXXX, Federal Trade Commission XXXX and the Consumer Financial Protection Bureau via certified mail with signature return receipt. My contact info is for any responses : XXXX XXXX XXXX. XXXX XXXX All rights Reserved, Without Prejudice
Company Response:
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: This incident is regarding a leased XXXX XXXX XXXX which was fully paid off and turned into a XXXX dealership for a trade-in. On XX/XX/XXXX, I traded-in a zero-balance lease for a XXXX XXXX XXXX which was due on XX/XX/XXXX. The dealership was XXXX XXXX XXXX is XXXX XXXX. I completed the lease trade-in in person and received a new lease, a XXXX XXXX XXXX XXXX XXXX During late XXXX / early XXXX, XXXX called several times stating that they were under the impression I still had the vehicle and were expecting late lease payments. I gave them information on the dealership and stated I was no longer in possession of the vehicle. This repeated over 3 or 4 calls, where I explained the situation to XXXX each time. I then notified XXXX XXXX XXXX over phone twice that XXXX was calling about my traded in vehicle. The sales reps at XXXX XXXX XXXX stated that they had sent XXXX the relevant paperwork and that the situation would resolve. On XX/XX/XXXX, I received a credit delinquency notification from XXXX for missed payment of 2 monthly payments. On XX/XX/XXXX, I called XXXX in attempt to escalate the situation given the severity of my damaged credit. That day I called XXXX XXXX XXXX and was unable to get in touch with a financial XXXX. I was able to get in touch with a customer service rep who stated XXXX " resolved the situation ''. I have not received a resolution from XXXX and they have damaged my credit for a vehicle I traded in to one of their dealerships.
Company Response:
State: CA
Zip: 90275
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: I received a phone call from XXXX after XXXX XXXX on XX/XX/XXXX, not on my personal phone but my work phone. A lady asked if I was said name, XXXX XXXX, speaking, I said yes. She directed me to call this number on a case pertaining to myself. I asked from whom. She would not tell me. I asked again who am I dealing with. She never said her name and just stated that it was from XXXX XXXX. She then wanted to find out if I was going to be home. I said no, that I am leaving for work. She became upset and stated that we are about to serve you pertaining to this case so someone has to be there. I said well, I will be here this afternoon. Still in disbelief and no clue what this is about. She raised her voice and said that there is a lien on your house once served. She gave this number to call, XXXX. A male answered with no representation of who or where he was calling from. Questioned if I was XXXX XXXX, I said yes, and he said you are about to be served. I asked the male well who is. He said GM Financial. I told him that I have never dealt with GM financial. He stated that if this is not settled that it will be placed on my credit report. I said, I'm looking at my report through XXXX XXXX and i don't have any or have had that company much less associated with GM financial. He also stated that back in XXXX, they had sent paperwork. I said well if you sent it, we didn't get them. And what does that mean to you. I kept repeating myself. I have never dealt with any GM Financial. Which is funny cause we only have one car and it's through a different company. These individuals have violated all aspects of trying to use scare tactics and threatening to serve or sue. I don't appreciate someone calling my work phone and say what you will. By the way, the male individual hung up on me. That goes to show you how unprofessional and ignorant they are especially if they work for XXXX XXXX.
Company Response:
State: TX
Zip: 78245
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A