Date Received: 2022-04-12
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: I called GM Financial XX/XX/2021 to set up a payment so it wouldnt be 30 days late as of XX/XX/XXXX. I talked with someone and she verified my checking account and I took that as they would process a payment. I get a call XXXX XXXX notifying me that no payment had been made. I immediately call to see what happened and they informed me I was supposed to make the payment and that they didnt process it on XX/XX/XXXX. So I went online and paid it. I tried to speak with a representative and was told someone would call me back. I called several times and was placed on hold and nobody came or calls were never returned. It was a clear miscommunication if they listen to the tapes and I had not missed a payment in over 2years and I would like that 30 day late removed for their workers part in the miscommunication. Thank you
Company Response:
State: CA
Zip: 92595
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I called GM Financial again. After i requested to speak to XXXX or a XXXX the XXXX and i got into an argument and began talking over each other. She told me when I can act like an grown woman I can call back and she hung up after i waited XXXX minutes to get to her. I am calling back and have been on hold again for XXXX minutes. She seems to feel she can take any tone or making any comments to me that she wants and then hang up. I am already being screwed over by GM Financial, there's no need to disrespect me also
Company Response:
State: TN
Zip: 370XX
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: GM Financial account # XXXX I purchased my lease for {$27000.00} this included NJ sales tax. I have not received any documentation from GM documenting that I purchased and paid sales tax. I CAN NOT register without this information. I have called GM 11 times and have not received this information in spite of the fact that they keep telling me that I will I am asking for something in writing noting the sale price and the specific amount paid for NJ sales tax
Company Response:
State: NJ
Zip: 07871
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have numerous Auto Hard inquiries on my Credit report I did not authorize. I notified XXXX numerous times certified letters and calls, even placed Identity theft notification on my report. I have called the companies to advise identity theft to remove these inquires and they have not.
Company Response:
State: MI
Zip: 48146
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I AM NOT SURE WHO AUTHORIZED THESE INQUIRIES ON MY CREDIT REPORT BUT I DID NOT. I HAVE NO IDEA WHY THESE CREDIT BUREAUS DO NOT COMPLY WHEN WE HAVE FRAUD ALERTS ON OUR CREDIT REPORTS. I CONTACTED THIS COMPANY AND WAS TOLD THAT THEY WERE NOT GOING TO REMOVE THE INQUIRIES WHICH IS NOT ONLY A VIOLATION OF MY RIGHTS BUT IT'S ALSO AGAINST THE LAW.
Company Response:
State: AL
Zip: 361XX
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This inquiries was obtained unauthorized and reported to the credit bureaus, and it gives me a negative impact on my credit report. Either this inquiries promised to be soft or hard pull still not authorize and have no agreement Whatsover.
Company Response:
State: FL
Zip: 34759
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Gm financial 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 all inquiry I have no knowledge of can you please remove this from my credit report
Company Response:
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have been using a credit repair service to validate debts and inaccuracies on my credit reports. I've had several inaccuracies with GM financial getting a response or getting items confirmed. The issue is they are reporting several late payments including late payments in 2021 which are false reporting. I've provided XXXX payment history to the firm representing me and GM has not verified, replied or removed the inaccuracies. They have also reported a repossession of my vehicle in XX/XX/2021 which is not at all true. I paid my vehicle off in XX/XX/2021 and have a copy of my title. Unfortunately they are reporting late payments especially in 2021 and can not or haven't verified with me or the firm I'm using. Now they have put a repossession on my credit. I am seeking for some accountability and fairness in this situation please.
Company Response:
State: TN
Zip: 37075
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: 1. GM FINANCIAL I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
Company Response:
State: TX
Zip: 75232
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX filed a debt collection notice on my credit report that appeared today XX/XX/2022 and to date, I have received ZERO notices of this alleged debt. I am happy to pay it, but it needs to be removed from my credit report and the proper communication channels should be followed.
Company Response:
State: NC
Zip: 27106
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A