Date Received: 2021-08-16
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I filed a chapter XXXX bankruptcy and my auto loan was included in the bankruptcy my Bankruptcy discharged and I was never notified from GM what needed to be done and they repossessed my vehicle without calling or sending me any correspondence I reached out to them and the rep stated by bankruptcy discharge was denied and that is not accurate.
Company Response:
State: IL
Zip: 60073
Submitted Via: Web
Date Sent: 2021-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-13
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Im in the middle of litigation with GM Financial whom is trying to collect an alleged debt. I have recently received a letter which i have attached stating they may exercise their rights under law for non payment of a debt? I never heard of a law that protects Debt Collectors BUT there are several laws that protect the Consumer, the natural person and the original creditor. Pursuant to 15 USC 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, REPUTATIO N, or PROPERTY of any person. GM Financial is using criminal means and is trying to harm my reputation by repossessing my vehicle at my house in front of all of my neighbors and family. They will also harm my property which is on my drive way at my house. They are using criminal means pursuant to 15 USC 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the SEIZURE of any property which would be my vehicle. Im here today for more proof for the courts to see that GM Financial is still on the path to violate Consumers and Original Creditors.
Company Response:
State: CA
Zip: 90620
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Had a lease car with GM. Paid all 27 months on time and never missed a payment. Returned car in XX/XX/XXXX and received 8 bills ranging from $ XXXX down to $ XXXX and some change from XXXX through XX/XX/XXXX. Finally in XX/XX/XXXX they said I owed {$10000.00} for excessive mileage. I do owe a few XXXX but not that amount. I told them that if this wasn't rectified, I will have to get an attorney involved. I was put on a no call list. Never heard from them either by phone, mail, text or email about my account. I had two people die in XX/XX/XXXX so I was dealing with estates, funerals, etc.. Finally received a bill in XXXX of this year. Called up the end of lease department and no one can help me. Sent them again the paper I received from dealership when I turned the car in with the mileage. The worst thing is that this is affecting my daughters and my credit score. They keeping marking the reports because we didn't pay. I need the markers removed from XX/XX/XXXX to now.
Company Response:
State: NY
Zip: 108XX
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have reached out to the company concerning the late payments listed on my report. I was told by a representative that during the months that my payments were deferred due to COVID 19 I would not receive any late payments. The creditor failed to hold up to the deferment contract that i signed and have violated my rights. Please update and remove the late payments that are listed for the months during COVID 19
Company Response:
State: PA
Zip: 19124
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Contacted company several times. They are continuing to report inaccurate information on my report I ask them for a debt validation letter as well I verified the information as being incorrect. They report open and/or close each month causing my score to drop. I sent them a copy of my correct information
Company Response:
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
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: Before I begin, I will note that I am uploading 10 pages of materials to support my complaint. I tried to add page numbers to these pages, but they aren't showing through on the scan. What I have uploaded is : 1 ) Lease document ( pages 1-5 ) 2 ) Vehicle return and odometer statement ( page 6 ) 3 ) Screenshot of my online account with GM Financial showing the lease is paid in full ( pages 7-8 ) 4 ) Screenshot of all payments made in XXXX and XXXX ( payments for XXXX and XXXX do not show up on the website ) ( pages 9-10 ) This complaint is against GM Financial. On XX/XX/XXXX, I signed a three-year lease for a XXXX XXXX XXXX. I decided to turn the car in early on XX/XX/XXXX, and I carefully followed all protocols as outlined on the GM Financial website. First, before turning in the car, I had the car inspected by a XXXX deal in XXXX Minnesota, who stated it had no excess wear and tear. Further, I had purchased excess wear and tear insurance from GM Financial in the event that any small items were found later ( see page 2 where I agree to pay {$990.00} for EWU over the life of the lease ). I have photographs of the car which document lack of wear and tear in part because it was not driven very much ( see mileage report later ). Second, on XX/XX/XXXX, I paid the lease in full ( see payment of {$970.00} on page 9 ). GM Financial 's website has a feature I consider very problematic which allows it to keep taking payments from you even after you pay of the lease in full. So, my plan was to pay the lease in full and then stop auto-pay. However, after I paid the lease, the button to turn off auto-pay greyed out. And GM Financial took another payment from me on XX/XX/XXXX, which is not legal and not allowed for in the lease. I was only able to stop the payments by calling GM Financial, waiting for an hour on hold, and getting them to stop the payments manually. Third, I got a vehicle return receipt and odometer statement when I turned the vehicle in. I was allowed XXXX miles under the lease ( see page 8 ). The odometer reading as indicated on page 6 was XXXX, far below the XXXX miles allowed ( and the EWU insurance also covered excess miles, which turned out not to be a problem ). After turning the vehicle in, I called the dealer to verify that they had submitted the vehicle return receipt to GM As specified at the top part of the vehicle return receipt. After getting no confirmation of this from GM Financial, I called the GM Financial Customer Service line and they indicated that they had received the vehicle receipt and would process the lease end in 30-60 days. At that time, I complained about the additional payment they had taken, and they indicated that it was their policy to hold these types of payments ( which they were not authorized to take ) and net them out against the disposition fee of {$390.00} ( see page 1, item 4A ). I have read the lease carefully, and this scenario is not described in the lease nor does the lease give GM Financial the ability to take extra payments after the lease is paid in full. Before finishing the rest of my complaint, I want to take a sidebar here to explain what it is like to try to get resolution of an issue from GM Financial. I made several calls to GM Financial about the end of my lease between XX/XX/XXXX and XX/XX/XXXX. Those often involved hold times of 1-2 hours, and certainly never less than 30 minutes. It was not uncommon for agents to hang up on me as I was just beginning to state my name saying " hello, hello '' and then hanging up. This is after we had made a connection over the phone and they asked for my name. They just quickly said " hello, hello '' not even waiting for a reply and hung up. I have the name of the last agent who did this, upon request. Then, I would have to start the process all over and wait a second hour. GM indicates that they have Live Chat. I tried that. It promised an agent in 10 minutes or less, but an agent never appeared even after 30-40 minutes. They promised service through text, but I never received an answer. I finally found a complaint form on the GM Financial website ( which I attempted more than once and as late as today ), but it always said " System error. Try again later '' ( or something quite similar to that ) after I spent the time to fill it out. So, getting anyone to respond to you at GM Financial is very difficult and requires long hold times. And even if you connect, there is a risk of immediate disconnection with no effort invested to see if you are on the line. After 30 days passed, I called GM Financial, and I asked when the lease would close, and they said 60 days. Then after 60 days, they said " we have up to 90 days to do it. '' I asked where that was in the lease, and they just said it was their " policy. '' After 90 days, I called again and asked when the lease would close and my money would be return. They were unable to give me an answer, so I asked to speak to a supervisor ( i have his first name and employee ID number upon request ). I was on the phone with the supervisor for about an hour. During that time, he verified that the the lease had been paid in full, that there was no excess wear and tear, and no excess mileage. These, along with the disposition fee, are the only items necessary to close out the lease whether in an early termination scenario ( page 3 ) or in a regular termination scenario ( page 4 ). However, in between those things, he did several things that are unlawful at worst or extremely bad customer service practices at best : 1 ) He made multiple false and misleading statements, including a ) He insisted multiple times that they could not close the lease until the vehicle was sold at auction. He repeated several times that I had agreed to this when I signed the lease. I have reviewed the lease carefully, and that is not stated in the lease. b ) When I asked him what the time frame was for auction, he said said that the vehicle was scheduled to be sold on XX/XX/XXXX but was now " on hold by marketing. '' I indicated that the vehicle had been recalled a second time since I turned it in ( there was one full recall and one customer adjustment while I had the vehicle ) and therefore was not saleable. He confirmed that it was recalled but then said I would have to wait while it was sold for the lease to close. I asked him when that would be and he had no time frame. He just stated again and again that was their policy and I had agreed to it. c ) He indicated that it was the policy of GM Financial not to process early terminations until after the original lease date. I said that this was inconsistent with the lease because there are no penalties for early termination. He said it wasn't a penalty, just a " policy, '' However, since this is a financial transaction where time is of the essence, a significant time delay is a de facto an early termination penalty. He made several other statements in this vein not all of which I can recall, but the above are probably the most significant. 2 ) He blamed me for the extra payment by indicating that I had made it on XX/XX/XXXX and that was " too close '' to the XX/XX/XXXX XXXX payment date and indicated it was their right to take the extra payment because I had not " turned off '' auto-pay. His statement that I made the payment on XX/XX/XXXX is false. As seen on page XXXX, the payment was processed by GM on XX/XX/XXXX. He then blamed me for not turning off auto-pay. I told him that I tried to but the functionality was unavailable. He then blamed me for paying off the lease " too close '' to the next payment date. When I asked how four days could be too close, he indicated that I needed to take the weekend into account. He continually reasserted the absolute right of GM Financial to take and hold the extra payment until such time as they decided to close the lease. I repeatedly asked him for a lease end date or a process by which one would be determined, and he refused to provide those. 3 ) He bullied me by implying that GM Financial could and would take action that would reduce my credit score. He pointed out that if GM Financial returned my money that I would still have to pay the {$390.00} disposition fee and that if I didn't pay it, they would report me to the credit bureau and my credit score would go down. I told him that I had never missed a payment for anything in my life and that was demonstrated by my perfect payment record with GM Financial. But, he continue to return to the credit score issue for a while. Finally, after I had held my ground for at least 45 minutes, he said something like " well, I can see everything checks out, I always have to make sure. '' I have no idea what that means but then he became friendly and told me that he could understand why I was upset, he would feel the same way, and he had a special VP friend who would help him get this resolved for me the following day. He gave me his " direct line '' and employee ID. I already had his first name. I asked for his last name but he refused but gave his employee ID instead. He told me he would get the matter taken care of on XX/XX/XXXX and would call me with an update. He did not call me or otherwise make contact with me on XX/XX/XXXX. I called him in the morning and late afternoon today, got voice mail, and said I wanted an update as promised. He never called me back. At this point, I can only conclude, based on their behavior, GM Financial intends to keep the money they illegally took from me indefinitely and that they have no intention of closing this lease in any kind of timely manner ( I was told by the supervisor that even if he used his special VP friend to close the lease, they would need 30 days to finish the process and get my payment to me ). I can not imagine why GM Financial is engaging in this behavior. But, I am certain that if I keep calling, they will lie to me, bully me, and threaten me. I have kept my obligations under the lease in a full and timely manner. I need GM Financial to do the same.
Company Response:
State: MN
Zip: 55116
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My credit report shows multiple hard inquiries on XX/XX/2021 for auto financing. I did NOT authorize any of these banks to run my credit. I am suspicious that a car dealership illegally sent my information to these banks without my consent and attempted identity fraud. Regardless, I have no knowledge of any application sent to the banks and did not apply for credit with any of the banks. Below is a list of inquiries from XX/XX/2021 on my XXXX credit report. XXXX XXXX XXXX GM Financial - 2 applications on same day! XXXX XXXX XXXX XXXX XXXX XXXX is a list of inquiries from XX/XX/2021 on my XXXX and XXXX credit report. XXXX XXXX XXXX XXXX
Company Response:
State: OH
Zip: 44313
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I financed a vehicle with GM Financial. I ended up refinancing with another company, however GM Financial never provided a final statement, they just marked my account closed. It makes me wonder if any overpayment was kept by GM Financial and not sent to me. I thought that a final statement is required to show a {$0.00} balance.
Company Response:
State: FL
Zip: 33714
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: I have an auto loan with GM Financial. The loan has a 15.75 % interest rate. I was approved for a refinance with XXXX XXXX for 8.6 %. When XXXX XXXX called to confirm the payoff and transfer the lien, GM Financial told XXXX XXXX my car was a part of a bankruptcy. My personal bankruptcy closed over a year ago. I kept my family car and have continued to make the payments to GM Financial. Today, I called GM Financial and asked to reaffirm my auto loan. I was told it is too late because my bankruptcy is closed. According to XXXX ( ID # XXXX ), reaffirmation paperwork was not sent to my attorney during the bankruptcy, even though my account indicates I intended to keep the car and make payments. Now, I am stuck in a high interest auto loan because GM Financial gave XXXX XXXX the wrong impression about the status of my car. Help me please!
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Their is a loan from GM Financial that was closed in XX/XX/XXXX, and there was a late payment made in XX/XX/XXXX. XXXX and XXXX are showing the accurate information, but on my XXXX report it shows the account was closed XX/XX/XXXX, a late payment in XXXX of XXXX, and then it shows payment history 'OK ' all the way to XX/XX/XXXX with another reported late payment. They continue to update the account at XXXX, and will not removed any of the data after XX/XX/XXXX ( when the loan closed ), so it is showing that I have a late payment on the account a year after it was closed and paid in full. I have asked GM to fix it but they state they are reporting correctly ( this is why the other two CBs are showing accurate information ), but XXXX continues to tell me its correct and they do nothing to fix it even though it clearly shows the account was closed - paid in full in XX/XX/XXXX. So now it looks like I had a late payment in XX/XX/XXXX on that account and only on my XXXX report. This prevented me from getting a home loan, and I am not sure who else to go to have this fixed. They are clearly violating FCRA rules and they do not care.
Company Response:
State: VA
Zip: 231XX
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A