Consumer complaint received 2019-02-26
Company: General Motors Financial Company, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I contacted GM Financial and had notified them that the XXXX XXXX vehicle was court ordered for my ex husband to pay. He failed to pay this vehicle and now its affecting my credit. I cant even get my VA home loan because GM Financial in their own words said their contract supersedes any court ordered document even though it was signed off by a judge on XX/XX/XXXX. I dont have a lawyer representing me directly on this issue, but my vehicle was brought up in the courts on my last court date and the magistrate told me that the signed court order is the best that can be done. Before I proceed to take this case any further and sue GM Financial in small claims, I suggest they look at the documents I had sent them via mail which includes a letter for the XXXX XXXX AND a copy of the court ordered document. 
The letter I mailed to GM Financial on XX/XX/XXXX stated : XX/XX/XXXX To whom it may concern : This letter is in reference to the XXXX XXXX XXXX currently financed with GM Financial account number XXXX. This vehicle was recently involved in a wreck and subsequently deemed to be a total loss. Per court order and judgement ( See Attached ), ownership of this vehicle was transferred solely to XXXX XXXX. I, XXXX XXXX ; previously known as XXXX XXXX, am responsible for the XXXX XXXX XXXX account number XXXX which is up to date on payments and is insured by law. 
The account ending in XXXX has numerous negative remarks and is currently 117 days past due. This has been severely damaging my credit as I have been fulfilling my court ordered obligations in paying for this vehicle on time and maintaining full-coverage insurance. From my understanding, there have been no payments made toward the XXXX XXXX, owned by XXXX XXXX since XX/XX/XXXX. I hired a credit repair service on or about XXXX of XXXX and had a decent credit score with dreams of purchasing a home this year. Upon checking my credit when I applied for a home loan, it came to my attention my credit score dropped below a 500 on XX/XX/XXXX due to the late payment remarks on this account. Ive contacted your company ( GM Financial ), regarding this issue to notify them of the aforementioned judgement and court order. However, no one seemed to offer any assistance until today when a representative called me, and I let her know about the court order and judgement. Per the attached legal documents, I am requesting that the negative remarks on this account in my name gets removed immediately. 
Ive attached the court order for proof of responsibility of each vehicle. On page 15 of 17, under XX.  MARITAL ASSETS, it states the following : The parties own two vehicles jointly. Husband shall keep the XXXX and be 100 % responsible for all payments. Wife shall keep the XXXX and be 100 % responsible for all payments. Each party shall keep their vehicle insured as required by law. 
This has been signed and finalized by a judge and the county of XXXX on XX/XX/XXXX and Honorable Judge XXXX XXXX signed the final judgement of dissolution of marriage with a minor child and no property. 
I have an attorney who is representing me who will be able to provide a letter of representation upon request. Their contact information is : The Law Offices of XXXX XXXX XXXX, XXXX. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX If you have any questions regarding this, please contact my attorney or myself. I expect that the attached legal documents are sufficient in removing any financial liability of myself from the XXXX XXXX ( GM Financial Account # XXXX ). 
Cordially, XXXX XXXX XXXX XXXX XXXX I ask if someone can review this immediately and handle this accordingly. I dont want to waste either partys time. 

Cordially, XXXX XXXX

Company response to consumer: Closed with explanation