Consumer complaint received 2017-11-09
Company: General Motors Financial Company, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
) By placing derogatory, incriminating, inflammatory, and wholly inaccurate information on the public record my family has been impacted negatively. G.M. FINANCIAL SERVICES CORPORATION took our vehicle and refuse to return the vehicle. In The STATE of ILLINOIS has laws against libel and slander, and, I bring forth my claim for such an incorporated into this matter deliberately, and by reference. Since the debt has not been certified or validated and the validation of the debt has been requested on several occasions. XXXX XXXX, XXXX over the phone, XXXX XXXX, XXXX over the phone. I do hereby bring to this bodys attention that the opposing party with their accomplices have violated my due process and rights as well as the FAIR DEBT COLLECTION PRACTICES ACT. 
b ) For the violation of the FAIR DEBT COLLECTION PRACTICES ACT, which says that once a dispute has been initiated, that the partys making the claim of DEBT must suspend all debt collection activities until the debt has been validated. Which would include reporting such to credit reporting bureaus, this was not done. they have made this a matter of public record by filing a claim against my person and failing to properly serve my persons the documentation. Such a claim was filed without notification of my persons and has caused me and my family many damages which are documented as follows, were given many opportunities via electronic payments XXXX XXXX XXXX XXXX to close out this debt. XXXX XXXX the opposing party locked the customer XXXX XXXX out of the ability to pay through electronically transferred funds by not accepting payment with the password account set up with G.M. FINANCIAL SERVICES, through the account that was set up to pay the funds I communicated with G.M. FINANCIAL SERVICES XXXX XXXX, XXXX that I have been locked out of my account electronically the system refused to take my payments. they responded that the funds I submitted to the account which I had been submitted in XXXX were returned and that I could only pay by debit, of credit card, money order, the electronic funds had been reversed to the sending financial institution, When I explained to them that I could only pay with the only account I have at my disposal that is when I asked them what happened and why I were just hearing about the returned ACH/EFTs. I asked them could I pay the whole bill off with the agent on the phone I was told that I could after they talked to their supervisor on duty, at that instance I was told that I could make ( 4 ) four payments separately each payment would consist of the transfer fees of ( 4 ) four separate transactions, then I gave them instructions for the agent representing G.M. FINANCIAL services the o.k for the ACH/EFT transfers to take place. XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, to electronically transfer the funds from the account in questioned. I got a confirmation number # # # # # # s thats when I asked them for a payoff letter to validate the debt they told me I would have to call a different phone number if I wanted it in writing. I were contacted on XXXX XXXX, XXXX G.M. FINANCIAL SERVICES called and told me I was behind in payments and what were my intentions I explained that I had gave instructions for the vehicle to be payed off, in early XXXX I was told that the account I gave them the funds were returned and I were in their system for repossession of my vehicle, I asked again why I have not received the payout letter and/or the validation of the debt from G.M.FINANCIAL SERVICES, I was told I could only receive it orally over the phone. 
Due to the recent accounts being hacked through credit fraud the customer asked the opposing, party was asked to present the original contract or payout documents and the request was ignored, the opposing party erased my E-mail accounts to remove communications between the parties in dispute, G.M. FINANCIAL SERVICES has not been working in good faith to remedy this account, The law provides a penalty for violation of DEBT collectors with unfair practices  Communication clauses, failure to provide access to the consumers information. My vehicle was taken under duress, while walking to me vehicle on my property before XXXX i observed someone walking onto my property with an object i feared for my life and ran back into my home. G.M. FINANCIAL SERVICES has not been working in good faith to remedy this account, The law provides a penalty for violation of DEBT collectors with unfair practices Communication clauses, failure to provide access to the consumers information, G.M. FINANCIAL SERVICES were asked to present to the customer the rejection letter from a third party and ignored the customer request. Failure to provide the information requested by LAW i.e. Validation. 
G.M. FINANCIAL SERVICES were asked to present to the customer the rejection letter from a third party and ignored the customer request. Failure to provide the information requested by LAW i.e. Validation. 
The customer have demanded the information to remedy a DEBT, and hereby claim the opposing parties made no effort to give assistance and because the car has been paid in full. The same account that was used to pay off {>= $1,000,000}, were also used for that account. FDCPA provides debtors with a means for challenging payoff demands, and for determining the validity and accuracy of asserted debts. 15 U.S.C. 1692. Perhaps 15 U.S.C. 1692 ( a ) attention I am a XXXX AMERICAN, near retirement age and I am not a student of law yet I have been attacked by a group of individuals in the form of this or claim of debt. Because this matter involves laws

Company response to consumer: Closed with explanation