Date Received: 2022-07-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXXXXXX XXXX, XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XX/XX/XXXX NO RESPOINSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XX/XX/XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXXXX/XX/XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XX/XX/XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN COTNACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXXXXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXXXXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXXXXXX, XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXXXXXX XX/XX/XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX, XXXX NO XXXX XXXX CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX NO RESPINSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONCTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXXXXXX. XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XX/XX/XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION
Company Response:
State: NC
Zip: 28314
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: I switched phones but I do have documents and I can get them for you.
Company Response:
State: AZ
Zip: 85210
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: My name is XXXX XXXX, a federally protected consumer, and I am filing this complaint against GM FINANCIAL for furnishing false and misleading information to my consumer report as means to bring harm to me and my financial reputation. This account is listed as a CHARGE OFF on my consumer report as shown in attached Exhibit A. This is false and misleading. I am aware the definition of a charge off, pursuant to 7 CFR 1956.54, is " the writing off of a debt and termination of collection activity without release of personal liability. I am also aware that once a debt is cancelled, it not becomes gross income. Gross income does not belong on consumer reports. Also, pursuant to 26 USC 61 ( a ) ( 11 ), gross income includes income from discharge of indebtedness. Was a 1099-C filed on this account? If so, I have never received one. I am aware that a 1099-C must be mailed to consumers by XX/XX/XXXX the following calendar in which the identifiable event occurs. If GM FINANCIAL has mailed me a 1099-C, please provide documentary evidence, such as a tracking number, that proves I, in fact, received and was aware of a 1099-C. Knowingly furnishing this false and misleading charge off to my consumer report is a violation of 15 USC 1681s-2. If GM FINANCIAL has filed a 1099C form with the IRS and is continuing any kind of collection activity, as defined under 31 USC 3711 ( e ), by performing any of the following conduct : administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure ; GM FINANCIAL is committing tax fraud and should be reported to the IRS for a fraudulent financial gain. I am fully aware and am invoking my right as the consumer to demand the audit trail in accordance with 12 USC 5562 ( c ) ( 10 ). This includes accounting documents, transactional history, account file, and/or ledgers. I would need this product of document material as documentary evidence in order to properly address this subject matter, and without this documentary evidence, there can be no validation of such debt. Furthermore, in order to validate this alleged debt, please provide verification through audit certification of debt entry in accordance with GAAP, IRS, Basel 3, and UNCITRAL conversions. If any of the above can not be provided, this account must be removed from my consumer report immediately to prevent further harm to me and my financial reputation.
Company Response:
State: LA
Zip: 70001
Submitted Via: Web
Date Sent: 2022-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-01
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: My XXXX XXXX XXXX was authorized for a manufacturer buyback in XXXX, XXXX, due to well publicized issues of the vehicle 's battery pack catching fire. Before the buyback was authorized, manufacturer General Motors advised customers not to park the vehicle within 50 feet of any object ( must park outdoors ), and GM limited the range of my vehicle to 40 miles less than the advertised range that I paid for using a software update. This also prohibited me from charging my vehicle at home ( making my life extremely difficult ), and ultimately, leaving me without a car once my buyback was completed because it was nearly impossible to locate an equivalent replacement vehicle in the current market. Before the buyback was completed, I called 28 (!! ) XXXX dealerships within a XXXX mile range of my home in XXXX XXXX attempting to secure a replacement car. 26 dealerships had no cars to sell and no ETA to receive more, and I was finally able to find one dealership who had a car to sell me at sticker price ( XXXX more than I paid for my similarly equipped XXXX vehicle ) which would arrive in a few weeks. So, in XXXX XXXX, I was now left without a car for 3 weeks once I had to turn my XXXX XXXX back in to GM. On about XX/XX/XXXX, GM announced the {$5900.00} reduction in MSRP on the XXXX model of the XXXX XXXX. I was set to lease the model currently available, which is a XXXX. 2 days later, my XXXX XXXX arrived at the dealership. I asked if I could place a non-refundable cash deposit on the car and wait a few days to hear if GM would make an announcement on a price cut for the XXXX model. The General Manager of the dealership told me he was expecting a forthcoming announcement, however, I was also told " I've already sold your car to someone else if you dont pick it up today. '' Since there are essentially no electric vehicles on dealer lots for sale in Southern California, I had to go forward with my lease despite being told that an upcoming price adjustment may be happening. Otherwise I would not be able to commute to my job. Had the {$5900.00} price cut happened on the day I went to secure my vehicle, I would have purchased it outright rather than leasing. To note - I've purchased 30+ cars in my lifetime. As long as I've been purchasing, EVERY SINGLE MANUFACTUER announces their monthly incentives, dealer cash, interest rates for financing and leasing, residual values, etc, to their dealers on or about the XXXX day of the month. Those are the fixed numbers for the month and do not change until the next month. However, two days after my lease agreement was signed, GM announced the {$5900.00} price cut would also apply to XXXX models. Then on XX/XX/XXXX, GM announced that people who had purchased XXXX models before the price reduction would receive compensation from GM, who effectively reduced the values of their cars overnight by {$5900.00}. However, GM has stated that this compensation would not apply to Lesees. But, here is the problem- I signed my lease 2-3 days later. Aside from being atypical to make an incentive adjustment mid month, GM knew that it would be making this announcement well in advance. This is a multi-billion dollar international company with thousands of lawyers and PR people. They don't make a corporate decision and press release it the same day. GM FInancial sets the RESIDUAL VALUE for a car lease based upon their realistic prediction of the value of the car a the end of the lease. Since GM knew it was going to announce the {$5900.00} drop in XXXX XXXX pricing in only days, the Residual Value provided by GM Financial in my lease was fraudulent and did not reflect the tremendous drop in the value of my car. The price I paid for my car should have been reduced by {$5900.00} to reflect the price cut. Additionally, GM leased me a car based on a residual value which they knew was totally unrealistic, and now with my car with so much less overnight, I will be vastly " under water '' on my lease, giving me no opportunity to contractually purchase my vehicle for anywhere near its real market price at the end of the lease since the fraudulent residual is so massively overinflated. Because GM 's original Bolts had a battery flaw in the first place, I was now left without a car, forced into overpaying for an equivalent replacement vehicle with my out-of-pocket payment grossly overinflated, and additionally, I have no plausible path to purchasing the vehicle at the expiration of the lease because the real residual value will be far lower than that in my lease as provided by GM. GM Changed the rules in the middle of my deal and offered my terms which they knew were based on fraudulent information. I contacted GM XXXX XXXX and they told me that the compensation did not apply to lessees and they would do nothing for me. I have additionally emailed General Motors CEO XXXX XXXX and other executives GM Financial Account # XXXX Vin : XXXX
Company Response:
State: CA
Zip: 91361
Submitted Via: Web
Date Sent: 2022-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Called and asked for a payment extension to help bring my account current. Made Payment for XX/XX/2022. The extension was processed yet they reported my account as past due for XX/XX/2022 when I made the amount required to process the extension. No payment should have been required to be made until XX/XX/2022. My payment is {$690.00}. I paid {$690.00} in XXXX and {$720.00} in XXXX
Company Response:
State: ID
Zip: 83714
Submitted Via: Web
Date Sent: 2022-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I leased a XXXX XXXX a month ago and, similar to my last XXXX lease in XXXX, the dealership folks indicated if I didn't " push the XXXX button '' they wouldn't get paid their commission. In XXXX I did this and tried to cancel immediately. Let 's just say that wasn't a pleasant experience but lesson learned. They wanted to put a card on file and have me pay when the free 30 days were up. This time around I made it abundantly clear I would NOT be signing up or 'pressing the button ' and did not want XXXX tracking my truck or tied to my truck. The dealership folks did not like this but I don't think XXXX should be able to track my vehicle and report on diagnostics and all that without my consent, which I did NOT give. At some point in the past 30 days XXXX came on while I was driving and I believe " reminded me '' that I needed to hit the button. Never did. Today I get an email that " my plan is ending soon '' and I presume that means I need to watch for unauthorized charges now. I did not sign up, hit the button, or consent to this account period. This XXXX tying and bundling is the epitome of high pressure sales combined with what I suspect is constant violation of privacy regardless of purchase. It is also tied to the ignition supposedly so there is 'no way to turn it off. '
Company Response:
State: MI
Zip: 49418
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-27
Issue: Problems at the end of the loan or lease
Subissue: Problem when attempting to purchase vehicle at the end of the lease
Consumer Complaint: I contacted GM Financial back in XX/XX/2021 about the extension of my lease. Due to the pandemic, finding a vehicle was near impossible and waiting periods were anywhere from 6 months to a year, if not longer, to obtain a new vehicle. As this was the first lease I have ever taken I asked for all the details on how it works. I was ONLY told that I had to sign this agreement and it would allow me to extend my lease an additional 6 months. I signed and sent over the agreement on XX/XX/2021. I continued to make my payments over the next few months. I contacted them again a few months later as I was now considering buying out my lease and was informed of the residual balance. After I received the quote I asked why the balance had not gone down with the payments I had been making. They stated that the payments I was making were only to extened the lease and that the residual would remain the same. I read though all the documents and no where on them or on their website or in my lease agreement does it outline this detail. ( I have attached a copy of the lease extension for your reference ). I also did some seaching on my GM Financial online profile to see if I had somehow overlooked any lease extension documents. The only extension document I was able to find did not outline anywhere that the residual would remain the same. I have attached the list of documents on their website as well as a copy of the Payment Extensions Fact Sheet. Today, I called to obtain the payoff and for the process to buy out my lease. I was transferred multiple times and when I finally reached the correct department, I expressed my concern over the lack of detail regarding the residual and if there was any recourse. She informed me that there were 5 notices sent to me that outlined that the residual would remain the same and agreed to send me these notices via email. I advised that all my communciations from them were electronic and at no time did I receive the letter the representative was referencing. She then insisted that the documents were sent via regular mail and would not have been sent electronically as I had elected on my online profile. Once I was done speaking with her I asked to speak with someone to address my concerns. I waited nearly 20 minutes to be transferred and finally reached an individual to submit a formal complaint. My request was for GM to apply the funds I had paid over the past 6 months ( around {$2800.00} ) to my remaining balance ( residual balance ) as a way to rectify the issue. I had also advised her of the information the previous representative had told me, saying GM sent me 5 letters explaining the residual would remain the same. I was then informed that no such letters were ever sent. She advised that due to the XXXX XXXX and bookkeeping there was no way they could perform such a task but assured me she would escalate my complaint. I was on this call for over an hour ....
Company Response:
State: NY
Zip: 14228
Submitted Via: Web
Date Sent: 2022-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I co-signed a lease for a XXXX XXXX for my son who is XXXX XXXX military. XXXX years later, while my son was driving, the vehicles brakes malfunctioned which caused a total loss to the vehicle. GM financial leasing accepted payment of {$14000.00} as of XX/XX/XXXX and agreed to release lien and title. On XX/XX/XXXX I received a call from GM Financial Leasing attempting to extort monies for the vehicle claiming the mileage was over allowed mileage at XXXX. GM Financial then immediately reported to the credit bureau that I was XXXX days late on payments and I owed them in excess of $ XXXX for the totaled vehicle. This information is incorrect and I sent proof that the actual mileage on the vehicle was XXXX which is well below the allowance. GM has not resolved this issue or made a correction to my credit report. I am requesting that my credit be restored and that GM stop their malicious extortion attempts to collect for a vehicle for which they were already paid.
Company Response:
State: IL
Zip: 60014
Submitted Via: Web
Date Sent: 2022-06-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I presented a coupon to GM Financial in XX/XX/2022 to fulfill the full purchase on my XXXX XXXX via certified mail. Not only did they never send the coupon back they even lost it or never redeemed it. So not only did they do that but they just kept charging me normally. Then out of the blue this week with no notification or anything they collected my vehicle and want {$2900.00} to reinstate my loan.
Company Response:
State: CA
Zip: 91104
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There was a car loan opened with someone in my family. They paid off this account and before that they filed bankruptcy. This was in XX/XX/2015. This account was put on my account and I had no knowledge of it. I have tried to fix it with the credit bureaus, even after the seven years and they have done nothing to fix the situation. The company is GM Financial and they are not accurate. They also gave this inaccurate Information to a third party. The XXXX account number is XXXX
Company Response:
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A