Consumer complaint received 2019-06-03
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The early part of XXXX GM financial mailed out and emailed out information that their website would be undergoing a total reconstruction that their website basically would be down for approximately a month or so they also sent out letters saying that the website would be a big inconvenience to GM financials customers A lot of the emails was headline providing the service you expect preparing for service outages and also service is servicing your account is our highest priority they told us initially in the emails that the website would be down for only about 30 days but it was down possibly about 7 to 8  months. And also it was reporting in accurate balances on my account but GM financial when I would call them they would give me an accurate balances which I paid on time the website showed that I made the payments and also showed an accurate totals of accounts when they finally updated their website it showed that I was behind on my account and I was 30 to 60 days past due due When the website was finally updated and they reported it to the credit bureaus I would also like to add that they didnt report any activity of credit reporting for approximately eight months which is a clear violation of the fair credit act when you call their customer service and tell them about the issues that youre having with their credit reporting they tell you that they cant help you in any kind of way due to fear credit reporting I went through my bank accounts financial statements in it show that in those nine months I made the payments but GM financial deals with XXXX XXXX to process their payments and XXXX XXXX processed their payments Incorrectly sometimes taking 3 to 5 days for the website to update I may make a payment and it doesnt update for up to five days which they are giving people 30 day late and youre only late 27 to 28 days but just because XXXX XXXX doesnt process the payment they are reporting in accurate reporting on Consumers credit reports. I would also like to add that all three credit bureaus are reporting 30 and 60 day late and some of the months on this account shows that no data available is reporting from GM financial but when I look at my GM financial account and pull up my statements the information is on GM financial statements but they are not reporting it to the credit bureaus In the month of XX/XX/XXXXI have 3 to 4 no data available .... 1 60 day late. 4 30 late All in the year of XXXX the same months that their website was being updated the website was reporting accurate payments been made I have proof from my bank statements and proof from XXXX XXXX emails whats the payments was made GM financial doesnt offer any help to fix any credit reports or any false reporting due to their mistakes reporting to credit bureaus I would also like to add that this has just happened in the month ofXX/XX/XXXX I made the payment onXX/XX/XXXXin on XX/XX/XXXX it doesnt show that the payment was made but they set a 30 day late over to the credit bureaus that I was 30 days late because their system hasnt updated yet thats what I was told by customer service I feel that they are in clear violation of the fair credit reporting act

Company response to consumer: Closed with explanation