Date Received: 2021-10-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are several unauthorized inquiries on my account that I have no knowledge of, these inquiries has been on my XXXX credit report since XX/XX/2021.
Company Response:
State: IL
Zip: 60649
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
Issue: Problems at the end of the loan or lease
Subissue: Excess mileage, damage, or wear fees, or other problem after the lease is finished
Consumer Complaint: I leased a new vehicle from XXXX/General Motors in XXXX. The vehicle lease agreement was issued by GM Financial and was for a three year term that ended in XX/XX/XXXX. During the course of the lease, I made all payments on time as billed to me by GM. This included a period of approximately 3-4 months about 12 months after lease origination when GM incorrectly billed me less than what was contractually owed. When GM caught its billing error, GM billed me a one time catchup that was nearly 4x the standard monthly payment. I paid that bill as presented and on time. As the lease term neared expiration, I contacted both GM and the original selling dealership to arrange a vehicle pre-return inspection. Both the dealer and GM refused to provide this service. I consequently had the vehicle inspected by a third party mechanic who documented no defects or excess wear of any kind. Pictures of the vehicle along with my inspection report are available. I returned the vehicle to my selling dealer on time and after having made all regularly scheduled payments due under my lease agreement. A complete payment history is available as all payments were made electronically through my bank. The dealer informed me at vehicle return that I should expect a bill from GM for the contracted lease return fee together with any other wear and tear fees GM may assess. Given the vehicle was returned in excellent condition as verified by my inspection and with less than the agreed 30,000 leased miles, I expected to pay no more than the contracted {$400.00} lease return fee. Instead, approximately 30 days after the vehicle was returned, GM sent me a bill for nearly {$1100.00}. There was no detailed itemization beyond vague descriptions like wear and tear and lease end taxes. Additionally, during the lease return process, I became aware that, during the prior episode of incorrect billing by GM, GM made late payment reports to credit agencies when I paid the amounts billed by GM. Furthermore, when I reviewed my lease contract just prior to lease end, I realized that GM had consistently over billed me during the entire course of my lease. In response to GMs incorrect and potentially fraudulent lease end bill, I wrote GM a letter outlining my position as stated here. I objected to all fees except the agreed lease termination fee as these were being assessed outside of the agreed lease contract. I also objected to the wear and tear claim based on my third party inspection results. Finally, I made GM aware of their over billing during the lease term and made demand for the amounts I had overpaid. I mailed my letter to GM at the address on the bill along with a check for the contracted {$400.00} lease return fee. GM cashed my check, but never responded to my letter. Instead, I found out just recently that GM charged off the balance of their incorrect and possibly fraudulent bill and reported this charge off to the credit reporting agencies. This resulted in over 100 points of damage to my otherwise 820+ credit score. I have included a copy of the letter I sent to GM in XX/XX/XXXX with this complaint.
Company Response:
State: CA
Zip: 90275
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: This is regards to GM Financial Account XXXX XXXX. In a prior complaint, GM Financial stated that a payment was made late in the amount of {$540.00} on XX/XX/XXXX, despite our turning in the XXXX XXXX XXXX XXXX on XX/XX/XXXX ( see attached letter from GM Financial ). We have no financial record of every making any payment to GM Financial in the amount of {$540.00} in or around XX/XX/XXXX, from any of our accounts. This payment was not made by XXXX XXXX or XXXX XXXX XXXX. We did receive a payout relating to this vehicle on XX/XX/XXXX, in the amount of {$XXXX} ( check image attached ).
Company Response:
State: MI
Zip: 48327
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Since 2015, I've had two 3-year leases with GM for two XXXX XXXX XXXX . Never during those 6 years did I miss a lease payment. At the end of the second lease, due to the Covid-19 Pandemic, XXXX had no inventory with which to replace my current vehicle. Because of that supply issue, I was required to extend the 3-year lease for an additional 3 months. At this point, I didn't realized that GM Financial wasn't going to continue to pull my lease payment from my XXXX XXXX checking account - ( via an auto-pay payment I had set up and used for the previous 6 years ). GM Financial isn't willing to take any of these unusual circumstances into consideration, replying only that they had placed calls to me etc. At the end of the day, I may have missed those calls, and I will take responsibility for that miss. The issue here however is that after 6 years of on-time payments, my credit is being negatively effected by a missed payment at the end of a lease in which GM literally HAD NO CARS via Covid related supply chain issues. My mistaken assumption that auto-pay was going to continue after I was forced to extend an expired lease is now hurting my credit. In a note ( attached ) from GM Financial, concerning the need to extend my lease via this lack of inventory, it notes at the bottom of the letter that I 'may ' have to make manual payments. I incorrectly assumed that given my long standing relationship with GM Financial, they would continue to pull my payments from my auto-pay, and that this wouldn't apply to my situation. I apologized for this miss, and just asked that we could remove the 30-day late given my perfect history with the company. Thank you! XXXX.
Company Response:
State: WA
Zip: 98112
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
Issue: Problems at the end of the loan or lease
Subissue: Termination fees or other problem when ending the lease early
Consumer Complaint: This is a follow up from a previous complaint that was suppose to be resolved through the consumer protection finance bureau. I already filed a complaint with cfpb on XX/XX/XXXX against GM financial company. This company GM is just now XX/XX/XXXX billing me for a tax on a leased vehicle dating from XXXX. After an extensive process of trying to close out my account with them in finalizing the debt owed I received a satisfying notification reply through the cfpb that any debt on my account had been cleared and that my debt obligations had been met. The complaint I filed previously with cfpb is XXXX. I recently received a bill from GM Financial in the amount of {$270.00} that states I owe them for property taxes on the vehicle FROM XXXX. When I filed my initial complaint against GM Financial on XX/XX/XXXX they had failed to provide that in their final notice to me which I submitted copies of in the attachments from my previous complaint. I contacted gm financial by phone following the closing of the previous complaint to confirm that I was debt free and owed a XXXX balance. The company confirmed that I owed nothing more. after I received this latest notice from GM FINANCIAL I contacted XXXX city hall that bills out to the leasing company and it has been confirmed that the XXXX tax bill in the amount of {$250.00} was paid by the leasing company on XX/XX/XXXX. GM financial failed to provide me with my property tax owed in the letter that they sent me dating XX/XX/XXXX in which at the time they indicate the full amount that I owed was $ XXXX over 5 months had passed since they paid the bill to the city and the time I had filed the previous complaint and the letter that they sent to me with the final amount they were requesting. They had plenty of opportunity during the last complaint that I filed with the consumer finance business bureau when trying to close out my account with them to indicate this tax in which they failed to do. They also failed by phone communication to provide this information. When I contacted the company in XXXX of XXXX - 6 months after they paid the bill to the city of XXXX they had a obligation to provide me with that information and they failed to do that. At that point 6 months after the tax was paid GM financial when asked by me if I owed any further taxes on that vehicle told me NO that I did not and that there was nothing showing on the account that I owed any more taxes. Again, this is a follow up call I made 6 months after the tax was paid to the city and GM is telling me that my account is clear. GM financial has a very poor system of accountability and account handling of of this entire situation. GM Financial has a responsibility to provide all information when requested and they failed to do that. GM FINANCIAL FAILED TO PROVIDE AND INDICATE IN THEIR END OF LEASE LETTER THAT I OWED THIS. WHY DID THEY NOT INDICATE THIS IN THIER CORRESPONDENCE WITH ME AND THROUGH THE COMPLAINTS THAT I HAD FILED WITH THE XXXX AND cfpb.??? They provided a document XX/XX/XXXX with the final balance and had cleared me of any further obligations. Now I am receiving a property tax bill from them dating XX/XX/XXXX stating that I owe them {$270.00}. With all the documents and their letters and the former complaint that proved they released me of all debt and their failure to provide all accounts in their letter dating XXXX I should not be obligated to pay this company another dime. I am so frustrated in the way GM has handled my account and I am going to continue this fight if it takes me alI the way to the supreme court. I am requesting that GM FINACIAL hold up to their previous documented notices and statements through this complaint process and dismiss this debt and close out my account!!! Someone from GM needs to be held accountable for the mistakes that have been made on my account and the grief I have been put through. When i recently advised GM that when I got this recent letter I was so upset that I left my home to go to the motor vehicle office to discuss and accidentally left my stove on. When I came back my house was full of smoke and my little dog was in there and could have been hurt. GM didn't have much heart about it. They only care about the money but i care about what is right and holding true to your word!!!. I believe they are taking advantage of customers who do not renew their lease with them.
Company Response:
State: RI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
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 demand proof of how you dealt with the information that you indicated in my credit report. Please provide me with all instruments used to report this account.
Company Response:
State: TX
Zip: 775XX
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
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 ended my lease in XXXX and purchased the vehicle from GM through XXXX XXXX XXXX. I was mailed a refund on XX/XX/XXXX, in the amount {$1.00}, XXXX and few weeks later another check in the same amount was mailed to me. I cashed those checks at my bank and later found out that a stop payment had been placed on them. This caused my accounts to be debited {$35.00}, and GM has refused to return my fees. I have submitted a letter from the Credit Union with the check attached, an explanation of the fees debited and they refused because I will not provide my account number to them.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Dear Sir or Madam, *1. GM FINANCIAL Account XXXX : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with GM FINANCIAL and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response:
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Dear Sir or Madam, 1.GM FINANCIAL Account Number:46054*** Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as well as 60 days late on XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with GM FINANCIAL and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response:
State: FL
Zip: 33705
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Problem when making payments
Subissue:
Consumer Complaint: We recently purchased a vehicle using GM Financial, and after a few weeks owning it, the van was totaled, and when we went to file the claim, we found that the insurance company never transferred the collision to the new van as they were supposed to. Once GM Financial found out about, they shutdown communicating with us. They told us many times that we are " XXXX '' and " XXXX '' and other awful names. Whenever we'd call, they played their phone games where they'd put us on hold for an hour+ each time, and then the call would get " accidently dropped '' or someone would come on, and then put us on hold again for an hour+. When we finally got someone to talk to us, they told us we needed to give them our totaled van back and they would auction it off and put it towards what we owed. They never told us that that would be considered a repossession on our credit. When we asked why no one told us, they denied it. We asked for the van back, but they refused to let us have it. And now, they won't accept payments from us, but they are continuing to charge us late fees and report it to the credit bureau. Still no one will answer why. We go back to the transferring and dropping calls games. So they are intentionally destroying our credit and racking up late fees when we want to pay. Acct # : XXXX
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A