Consumer complaint received 2017-12-07
Company: General Motors Financial Company, Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am legally XXXX on XXXX. I am XXXX XXXX XXXX. GM Financial knows that I am XXXX. My XXXX expired on XX/XX/XXXX. I called them well in advance of the expiration and extended my lease. I receive a phone call on XX/XX/XXXX asking me for the signed lease extension, but I had never received one. They admitted they sent it to the wrong address in NJ. They say they will resend. 


... ... ... ... ... ... ... ... ... ... ... .. 
1. XX/XX/XXXX I receive the lease extension. I fax the signed extension to them and receive a confirmation. They agree they have it. 

... ... ... ... ... ... ... ... ... ... ... .. 
2. XX/XX/XXXX I receive another lease letter from XXXX XXXX. But I didnt see it for over a month because I never check my mail because I do everything electronically as I am unwell. When I saw it I thought it was a mistake and disregarded it. 

... ... ... ... ... ... ... ... ... ... ... .. 
3. XX/XX/XXXX I receive a text from my brother in another State alerting me that I received mail at HIS house. I never lived in his house. I had him open the envelope and send me photos of the envelope and contents. In the envelope was a business card for a car repo person. I got nervous and assumed identify theft so I checked my credit report and saw that GM Financial CHARGED OFF my car. I tried to dispute it with XXXXXX/XX/XXXX but it is also reported as paid in full. Isnt it illegal to harass my family in another State to embarrass me into returning a car I am allowed to have? 
... ... ... ... ... ... ... ... ... ... ... .. 

4. XX/XX/XXXX I phoned XXXX and was on hold for nearly 4 hours and transferred to multiple people. During the call I emailed them PROOF that I had a lease extension and they illegally contacted my family. At the end of the I was told that the mistake would be rectified and I can keep the car until XX/XX/XXXX. So I made my monthly payment, which would mean I am paid in full until XX/XX/XXXX. 
... ... ... ... ... ... ... ... ... ... ... .. 

5. XX/XX/XXXX I receive a call from them at telling me they are repossessing the car TODAY. They claimed they never got the lease extension so I offered to resend it to them yet again. I resend it to them by email and they call me and said that it is now null and void because I filled it out wrong. I asked her for a refund ( of my monthly payment for XXXX ) and for a release ( saying they would release the charge off ) if I could return the car the car today and she said the charge off will remain on my credit unless I pay $ XXXX for the car right away. 
... ... ... ... ... ... ... ... ... ... ... .. 

6. I can not afford to buy the car. It is XXXX. I have less than XXXX mileage on it. I just use it for doctors visits and to buy food. Theres no public transportation to my doctors and I am not working. How do I buy another car when theyve destroyed my credit? 
... ... ... ... ... ... ... ... ... ... ... .. 

7. Theyve accepted all payments. None of them have been returned.

Company response to consumer: Closed with explanation