Date Received: 2022-02-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: RE-ATTEMPTING WITH NEW INFORMATION I requested an investigation ( sent XXXX and XXXX XXXX ) - IGNORED/NO RESPONSE. I then requested a re-investigation after multiple accounts included in initial letter were not acknowledged by XXXX through my online account ( sent XX/XX/XXXX and XXXX. XX/XX/XXXX ) - IGNORED/NO RESPONSE. The 2nd letter involved account showing multiple inconsistencies. 3rd letter sent is a demand for deletion of account due to the obvious ignoring of my dispute letters of said account as a consumer of which I was entitled to under the Fair Reporting Act. It is obvious an accurate investigation or even acknowledgement of dispute letters were even done! 3rd letter also demands deletion of account due to account inconsistencies still showing on a CHARGED OFF ACCOUNT NOW SHOWING THE ACCOUNT BEING OPEN!!!! It is obvious XXXX did not verify nor did they investigate this account with the debt collector! Charged off accounts can not be " re-opened '!!! Since the beginning of the dispute process XXXX has not done due diligence... .they have now taken it upon themselves to change the status of this account from charged off to open! Update as of XX/XX/XXXX : XXXX has now turned it back on XXXX and stated that XXXX has verified the account and that I need to send in more documentation that the account information I sent in is accurate??? ( I have already sent 8 pages )! THIS IS ABSOLUTELY INSANE! Who is protecting us as consumers?! Not Only have they listed the account as Charged Off TWICE in 2 separate years ... .they have now re-listed as of XXXX the account as OPEN when the account was included in a BANKRUPTCY! ILLEGAL ILLEGAL ILLEGAL!! I smell a lawsuit in the very near future, someone better take care of this mess and real quick!! On this premise alone the account must be delete ... .not corrected, not adjusted, no new information added ... NOTHING BUT DELETED!! It is doing irreparable harm to my credit!
Company Response:
State: UT
Zip: 84321
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: 1. I sent a letter to GM Financial that asked them to remove the tradeline ; there was no response 2. I disputed the debt again as it should have been removed per what I read on FCRA, no response 3. I tried to make a payment arrangement no response I am asking that the credit bureaus all remove this tradeline as it is well past 7 years.
Company Response:
State: VA
Zip: 22309
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I requested an investigation ( sent XXXX and XXXX XXXX ) - IGNORED/NO RESPONSE. I then requested a re-investigation after multiple accounts included in initial letter were not acknowledged by XXXX through my online account ( sent XX/XX/XXXX and XXXX. XX/XX/XXXX ) - IGNORED/NO RESPONSE. The 2nd letter involved account showing multiple inconsistencies. 3rd letter sent is a demand for deletion of account due to the obvious ignoring of my dispute letters of said account as a consumer of which I was entitled to under the Fair Reporting Act. It is obvious an accurate investigation or even acknowledgement of dispute letters were even done! 3rd letter also demands deletion of account due to account inconsistencies still showing on a CHARGED OFF ACCOUNT NOW SHOWING THE ACCOUNT BEING OPEN!!!! It is obvious XXXX did not verify nor did they investigate this account with the debt collector! Charged off accounts can not be " re-opened '!!! Since the beginning of the dispute process XXXX has not done due diligence... .they have now taken it upon themselves to change the status of this account from charged off to open! Update as of XX/XX/XXXX : XXXX has now turned it back on GM and stated that GM has verified the account and that I need to send in more documentation that the account information I sent in is accurate??? ( I have already sent 8 pages )! THIS IS ABSOLUTELY INSANE! Who is protecting us as consumers?! Not Only have they listed the account as Charged Off TWICE in 2 separate years ... .they have now re-listed as of XXXX the account as OPEN when the account was included in a BANKRUPTCY! ILLEGAL ILLEGAL ILLEGAL!! I smell a lawsuit in the very near future, someone better take care of this mess and real quick!! On this premise alone the account must be delete ... .not corrected, not adjusted, no new information added ... NOTHING BUT DELETED!! It is doing irreparable harm to my credit!
Company Response:
State: UT
Zip: 84321
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have an injury committed by GENERAL MOTORS FINANCIAL towards me. I sent GENERAL MOTORS FINANCIAL , INC. a letter CERTIFIED MAIL NUMBER # XXXX on XX/XX/2022 requesting my credit balance refund Pursuant to 15 USC CH 41 1666 ( d ) also Pursuant to 12 CFR 226.11, GENERAL MOTORS FINANCIAL did not respond and now I am contacting the CFPB to help with the validation of debt, as GENERAL MOTORS FINANCIAL , INC. stated that I owe an alleged debt. I called XX/XX/XXXX to get a response as to why nothing was sent regarding the letter about the credit balance refund. I received an email on XX/XX/2022 thinking this email was regarding the response to my letter. It was not, I called on XX/XX/2022, responding to the email that was sent to me by XXXX XXXX. I called and asked about the refund, and no one was able to respond. I asked if my letter was received and I was told it was received on XX/XX/2022, and no written communication as requested has been given as of yet. I called again XX/XX/2022 and spoke to XXXX who was professional and informed me that she couldnt assist me on the number I dialed in her department that a manager would need to handle the call. She stated someone would call me back and I agreed on a 1 time phone call. I received a call back from XXXX XXXX Manager He stated he didn't want the call recorded and I stated as well that I did not want the call recorded and he stated " we do this for quality assurance '' I stated that " I do my recording for quality assurance '' He stated he didn't know me and that he doesn't have to be recorded '' I stated that I didn't know him and I choose to not be recorded. '' He said " I will submit a request '' I stated " A request? '' I do not want the call recorded period. I asked to speak to someone else who didn't want to be combative, but actually move forward with the call. He stated " it looks like you are working with an attorney so you don't need to record the call '', I stated " who informed you that I was being represented by an attorney? '' He stated well it assumes that you are based on the paperwork. '' I asked to speak to another supervisor immediately. He refused several times to get me another manager. I asked him several times for clarity, " are you refusing to get me another supervisor? '' He said " you can call back '' and informed him that " I am already on the phone. I am not calling back, you can get me to another supervisor now that I am on the line already. '' Eventually he said " ok '' put me on hold and came back and said " no one else was available '' and asked if they could call me back I replied " I am authorizing a one time call back, yes ''. He said ok someone will call you back. At XXXX cst I finished an email and sent it to XXXX XXXX to inform her of my encounter with her agents and questions about the refund and that no one had returned the call after her agent XXXX XXXX practices deceptive acts and misleading me attempting to make me think someone would call me back. GM financial closed at XXXX cst. XXXX didn't put in a request to have someone call me back. This is unacceptable and goes against GENERAL MOTORS FINANCIAL values and ethics. I have yet to receive a phone call back about the matter nor has anyone responded to the email I sent to XXXX informing her agent didnt put any request in to call me back to handle the payment arrangement. Called GENERAL MOTOR FINANCIAL , INC. again on XX/XX/2022 and spoke to XXXX XXXX who didnt have any way of helping me with a response to the letter I sent in communicating the credit refund. She wanted to pass me over to another department that handles refunds in the customer service department. I asked to speak to a manager in that department. She stated she would have one give me a callback and in the meantime we would wait for a supervisor in the customer service department that helps with refunds. XXXX XXXX returned from hold stating, They had a long wait, and she submitted the request for the supervisor to call me back to talk about the assistance program. I received a call back from XXXX XXXX XXXX and informed him that I was calling pertaining to my refund ; however, I was informed by XXXX XXXX that this department could not help me. It would be best for us not to go over the refund, but lets go over the assistance program. XXXX XXXX XXXX stated the account was in default and I stated how?, when I sent an instrument payment on XX/XX/2022 and received CERTIFIED MAIL # XXXX. He stated the payment has not been put in the system. When informing him of the payment instrument I sent in he stated and I quote XXXX we will not be entertaining this payment you sent in he laughed you know good as well that sending in that amount will do nothing for your account. This was an attempt of XXXX XXXX XXXX XXXX attempting to disgrace me PURSUANT to 15 U. S. C. 1692 ( e ) ( 7 ). He also took the liberty to mention that We will discuss the contract you signed with us! Informed that the contract should be null and void due to the numerous violations during the application process, I am currently aware of my rights and the misconduct GM Financial is handling with consumers is erroneous and does need to be investigated. XXXX XXXX did not even attempt to go over the assistance program but instead said take us to court, I know you have already done the research! I responded, You must not be familiar with XXXX XXXX Article XXXX XXXX, I NEED VALIDATION OF DEBT! XXXX XXXX XXXX employed with GENERAL MOTORS FINANCIAL COMPANY , INC. attempted to disgrace me and make a joke out of my character, by me exercising my rights. This is the reason we are here today. I do not trust this company to respond without the CFPB involved and GENERAL MOTORS FINANCIAL COMPANY , INC. should be following the law and should be held accountable for not following the law. I would also like to point out another fact, my account was not in default when contacting GENERAL MOTORS FINANCIAL COMPANY , INC. on XX/XX/2022, XXXX XXXX instead of going over any programs he escalated the call and never mentioned and solutions or remedies. By agent XXXX lying about someone calling me back and no one calling me back after saying someone would and no response from the department manager, CAUSING MORE INJURY PUTTING THIS SAID ACCOUNT IN DEFAULT. I am now requesting GENERAL MOTORS FINANCIAL COMPANY , INC. validate the debt and original creditor. Its Federal Law Pursuant to 18 U. S. C. Title 8, that there is no debt present. I need the debt validated and I need a written response as I am allowing this company to indeed cure this situation before I take any legal action and I WILL be taking legal action. If the debt can not be validated I need my title and the lien released as well as any debt removed indefinitely AND the credit balance refund amount that I requested in my initial contact letter. I also would like to include that before I was not aware of my rights with GENERAL MOTORS FINANCIAL COMPANY , INC. and I am very aware now. During the contract signing I was not made aware of 15 USC 1605 I was not to be charged a down payment on my property. TRUTH AND LENDING ACT also backs this same law and GM financial allowed XXXX XXXX finance manager to sit there and add insult to injury by being deceptive and misleading. GENERAL MOTORS FINANCIAL , INCXXXX non-communication is in agreement to owing the refund.
Company Response:
State: TX
Zip: 76708
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
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'm trying to buy my lease vehicle at end of lease. GM Financial will not give me an itemization of payoff amount so that I can obtain financing through another bank. They will only give the total payoff amount. The new bank needs itemization details about the payoff amount to finance the new loan. I talked to XXXX on XX/XX/22 and XXXX on XX/XX/22 at GM Financial. XXXX said she was sending me the information, however, when the information arrived, there was no breakdown of the total payoff amount. I called GM Financial again and talked to XXXX. He refused to give me the payoff breakdown. He refused to give me his last name, direct number, e-mail address or any other information so that I could call back to discuss the issue with him again after talking to my bank. He kept referring me to GM Financial XXXX number if I wanted to call back.
Company Response:
State: WA
Zip: 98607
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I didn't give these companies permission to run my credit
Company Response:
State: GA
Zip: 30117
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Didnt give this company any authorization to check my score, and would like these inquiries to be removed
Company Response:
State: FL
Zip: 33069
Submitted Via: Web
Date Sent: 2022-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2019, I was in a car accident. I reported the accident to my insurance Co and the finance company XXXX.. My car was totaled and covered by gap insurance and XXXX XXXX XXXX XXXX is reporting this account as a charge off with a balance due and reporting as late payment and it wasn't late. Please update and remove. This is reporting on all 3 Credit Bureau.
Company Response:
State: NY
Zip: 11413
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-06
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: ADVERSE ACTION ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XXXX XXXX Recently, I, XXXX XXXX was denied an extension of credit by GM Financial XXXX XXXX XXXX I applied for an auto loan. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code {$1600.00} ( C ) and you assume civil liability pursuant 15 U.S Code {$1600.00} ( K ). GM Financial has violated my federally protected consumer rights : 15 U.S Code 1642 15 U.S Code $ 1681M 3. 12 CFR 1002 Since the letter you sent me dated XXXX XXXX both a proof and evidence that I have been discriminated against, you are also criminally liable. GM financial should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT Following this initial attempt to rectity, I will be sending an invoice to collect actual damages for said violations. BEST XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Company Response:
State: GA
Zip: 30236
Submitted Via: Web
Date Sent: 2022-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-05
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: On XXXX. XXXX, XXXX, I opened an account with GM Financial for a car loan. The payments became past due and I received a notice from a representative that the account was placed for repossession on XX/XX/XXXX. GM Financial violated federal law by repossessing and selling the vehicle associated with this account. GM financial also violated additional federal laws detailed in the attached letter. Since that date, GM Financial sold the vehicle. I did not receive the following : Notice of Default and Right of Redemption/Right of Reinstatement ; Notice of Sale GM Financial has violated several of my consumer rights since the inception of this consumer transaction. Right of Rescission Notice was never provided to me and the company used deceptive practices to enter into a consumer transaction.
Company Response:
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2022-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A