Consumer complaint received 2019-07-11
Company: General Motors Financial Company, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I turned in my lease vehicle in XXXX, XXXX XXXX XXXX. I leased another brand new one as I do every 2 to 3 years for the last 25 years. I received a bill on XX/XX/2019 for Mileage overage and also a small dent XXXX, no big deal as the dealer gave us a XXXX mileage overage and a XXXX damage waiver. I called on XX/XX/XXXX and spoke with a lady in the billing dept, and asked if this is what we owed, she said we will send out a final bill because she was not certain that both Vouchers were on there. Again no big deal because we knew we had a final bill coming. I guess I should of called again but in the past when the send the cars to auction they  would send a final letter stating the vehicle was sold and all obligations were met. Well not this time. We went down to refinance our home and found out that GM Financial had put a mark on our credit and was in recovery.. Really? How come no final bill sent I asked when I called them? they said they sent it, I said we never received it.. I asked why did you not send another one? she had no answer and said it was my responsibility to take care of .. I asked why did you not call us? she said we did. I said I had not had a call. she said we called twice .. well I have a answering machine and there was no messages, she said the first time they left no message, the 2nd time a man answered. I said that would have been me, I said what did you say, she said we asked for XXXX, I asked what else was said, she the man said she was at work .. I said ok? did you say where you were from or what it was about? she said no .. Again realize how many phone solicitation calls we all get in a day.. I said all you had to do was say this is so and so from Gm financial and we need to speak with her. It would have been handled right away, I would have called my wife and told her to call them Or better yet send a final bill saying that we need to get final payment.. After all of that I asked what the final bill was and paid it over the phone. Now my wife 's credit went from XXXX down to under 700 and I could not put her on the new home loan. So after leasing and buying brand new cars from GM for  25 years  and mind you it is roughly 24 brand new Vehicles. My wife and I are both XXXX years old and have always had perfect credit and have prided our selves on that fact, Both of us have never had a mark on our credit for over 25 years. We called the dealer and they called them, I have called GM financial and spoke with them 4 times. So now after 24 brand new cars and 12 aunts, uncle, Both Moms, Both Dads, Grand parents working for GM their whole lives, we now have told all them what happened and they agree never to purchase GM again.. Pretty sad this all could have been prevented with a call saying we need to speak with XXXX about a bill, or just sent us a final bill, or even for that matter send a bill stating final notice like almost ever company does ... Look at GM financial reviews!! Hey GM you obviously have a issue with your billing dept!!! Also we will be getting with the Credit Bureau as well, hopefully they will be able to help, if they look at her credit it is as good as can possibly be ..

Company response to consumer: Closed with explanation