Date Received: 2021-07-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Company Response:
State: MA
Zip: 02368
Submitted Via: Web
Date Sent: 2021-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-23
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: We have paid overage payments during most of the loan 's history. However, the balance doesn't correctly represent the payments made. We have requested all overages to be applied to the principle. Yet, there has been no explanation as to why GM won't apply the overages to the principle. The loan contract is due to expire in XX/XX/2021. We are trying to understand why there are now 8 payments left. Each month an additional payment gets added to the loan. The car loan was a 0 % interest loan, " supposedly. '' With no interest applied, the whole payment made to the loan should go to the principle. There have been many credit reports that document an interest of approx. 2.9 %. All of our loan documents state there should be no interest applied. We have requested a full payment history, which has not been successful.
Company Response:
State: TX
Zip: 77044
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: reviewing the following accounts that appear on my credit report, without any authorization, is hurting me Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft GM FINANCIAL Account Number : XXXX This is not mine. 5. XXXX XXXX XXXX Account Number : XXXX
Company Response:
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-19
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: GM Financial is the company I used for my auto loan. They were incorrectly reporting information on my credit which caused so much damage to my financial situation. I paid off my car loan over 3 months ago and have yet to receive the title for my vehicle. I contacted them and was told I had to wait 45 days. It's now 3 months and still nothing. Dealing with this company has been a total nightmare and would never recommend anyone to take a loan from them. They completely damaged my credit and I'm not sure how to fix what they have done.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Americredit obtained a copy of my credit report on XX/XX/2021 - without my permission. The FCRA states that inquires made without " permissible purpose '' can be removed. The FCRA states I can sue for damages up to {$1000.00} for pulling my credit report without my permission. Upon contacting Americredit, they were unable to provide proof of my signed approval for them to pull my credit report. Additionally, two inquiries from Americredit are present on my credit report for the same day.
Company Response:
State: OH
Zip: 44124
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The following hard inquiry or inquires listed on my credit report ( s ) were not authorized : XXXX - Americredit XX/XX/2020 - Americredit XXXX XX/XX/2020 - XXXX XX/XX/2020 Complaints were filed with the credit reporting agencies along with Identity Theft Reports and other relevant documentation, but the information remains on my credit report ( s ).
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am currently a victim of identity theft which is why I filed a police report with the XXXX XXXX police department as well as a FTC report. I did not authorize these inquiries to be placed on my credit. I never wanted to apply for auto loan with these companies please remove them immediately off my credit report.
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are inquiries on my report from these companies that I do not recognize. I have made an attempt to contact the company to have it corrected and to prove that it was fraud without resolve. I have filed a formal police report in XXXX, AL. The case number is XXXX.
Company Response:
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: GM Financial continues month after month of reporting an account on my credit file that I never signed for. They sent a copy of a lease agreement with addresses and signatures that are " not '' mine. I've sent them everything I can to show them that all the information that they report that would be attached to that particular document does not match any information of mine ; the address on the document is one tha that I've never lived, the but signature is not mine and they never attached a drivers license, State ID, or any other picture form ID with matching signature or addresses to the document they sent through the CFPB portal. GM Financial, XXXX, and XXXX, as well as the CFPB are complicit in this fraudulent activity. It's a shame that the CFPB uses passive enforcement to regulate consumer protections as my credit file is harmed by the same entities that you are bound by law to regulate and enforce. The FCRA states that the burden of proof lies on the creditor in a consumer reporting challenge and yet GM Financial, XXXX, nor XXXX have not presented any justifiable evidence proving that this GM account belongs to me. They sent to me a filled out credit application and a billing statement. That's not concrete enough evidence proving their false claims.
Company Response:
State: TX
Zip: 75010
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Background My Husband who is XXXX and I are both XXXX citizens. We down near XXXX, GA but we managed to drive on and get to a XXXX XXXX. On the XXXX of XX/XX/2021 in desperation we purchased a vehicle from XXXX XXXX XXXX. The Dealership in our opinion took advantage of us in the following way and engaged in unfair and deceptive business practices and committed consumer fraud. 1 ) They sold us the vehicle for {$51000.00} yet had the car advertised on their website for {$47000.00} 2 ) The dealership explained that we were entitled to a XXXX customer Loyalty discount of {$2000.00} and showed us a printout confirming the discount but never actually gave us a copy of this document. We later found on reviewing the paperwork that they never gave us this discount 3 ) They charged us a fee of {$500.00} for documentation and registration but never actually did the work. We had to rely on the a XXXX XXXX in Illinois to submit our license and title work. We also had to pay the Florida XXXX an additional {$220.00} for what believed was originally covered in the charge of {$500.00} mentioned above. 4 ) They charged us a Dealer service fee of {$890.00} on our contract/ Lease agreement but never provided us anything of value. The license and title work was never done and we subsequently found out that the vehicle had not had a predelivery service done. This was confirmed by the service department of XXXX XXXX XXXX XXXX after we encountered issues with the vehicle on route to XXXX from the Dealer. So other than selling us a vehicle there was no service they provided us that warranted the {$890.00} fee. 5 ) The dealer included a charge of {$690.00} for a tire and wheel protection package but never disclosed the charge to us at the time we signed the Lease agreement. To date we have never received a copy of the Tire protection contract detailing who warrants this protection and who we should call. This omission was not done in error. I would like the following : A ) A refund or credit of the difference between the advertised price and actual price charged to us. ( {$3800.00} ) B ) A credit for the license and title fees they charged. ( No License and title work was done. ) C ) A Credit of {$2000.00} for the customer loyalty rebate they told us we were entitled to but never actually passed on to us. D ) A refund of The service fee of {$890.00} ( No Service for value was ever received ). E ) A credit for the cancellation of the {$690.00} charge for a tire and wheel protection package that they never disclosed. F ) I would like your department to impose whatever fines that you feel appropriate as the Dealership has engaged in deceptive and unfair practices resulting in consumer fraud and have taken advantage of two very XXXX citizens who were in a desperate situation. G ) I want GM financial who have financed the lease to make sure that the necessary credits are passed as they have an obligation to make sure that the dealers they do business with conduct their business in an honest and fair way. We had tried to call and get some resolution from the dealer but they never gave us an explanation that made any sense. The dealers information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ga XXXX XXXX My GM account number is XXXX. Their address is XXXX XXXX XXXX XXXX, Md XXXX
Company Response:
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A