Consumer complaint received 2018-08-01
Company: General Motors Financial Company, Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Hello, In XXXX of XXXX funds of {$590.00} were applied incorrectly to my vehicle lease account from which I notified the leasing agency for my XX/XX/XXXX statement about the error and stated that I there was an error on my account. The gentleman that I spoke with said not to worry about it, funds have been applied and that if I truly felt that the money was not mine to let them know on a later note. I stated to the representative again he the funds were not mine and a correction needed to be made so I would know what I needed to pay, and I would not make a payment because he stated not to worry about the situation and because there were already funds there I did not want to create confusion moving forward on my account. In addition, since there was already an issue I did not feel comfortable making an additional payment to what was already an overture on my account only to have a greater issue occur. I notified the leasing agency again the following month when there was still no correction made on my monthly statement for XX/XX/XXXX. IN XX/XX/XXXX I made my regular payment back on schedule since I had not heard back from the leasing agency and continued to do so until XX/XX/XXXX when my statement came in at {$900.00}. I immediately called the leasing agency to find out what the issue was and was told my the representative that I was past due for XX/XX/XXXX. I was not. I called the agency again was then informed that my account had gone into an investigation back in XX/XX/XXXX and that there was a misuse of fund applied to my account back in the fall of XXXX. I asked them why I was not notified of the investigation and was told that the leasing agency did not feel it necessary to in form me about the investigation and that if I was to not make XXXX payment they would come and repossess my vehicle. During this time from XXXX - XX/XX/XXXX I was receiving 4-6 calls a day from the collection department stating verbatim that if I did not pay them they would have my car repossessed and they would negatively impact my credit score. I simply told them that from what I have as my monthly statement s I was never behind on any of my payments and that I pay every month on time if not early. I was then told that I was never issued statements via mail, and that I only made payments via online. I do not own a computer, not did I set up a direct deposit transaction for my account so I do not see how this is even possible. When I told the representative this information, I was told that I was lying and again they were going to then repossess my vehicle for failure to make payments. I would then state that I wanted to speak to their supervisor and it was at this time the call would usually be dropped and another call would come in a few hours later. I again told them that from my records I was not behind and if they were going to continue to harass me with phone calls numerous time of the day I would contact the US General Attorney because it is illegal for collection agencies to call on client for more the once every 24 hours and can be issued up to a {$2500.00} fine for each call following within that time frame. Yet the phone calls kept coming. By XX/XX/XXXX I ended up paying for the months of XXXX and XX/XX/XXXX and was told that my account would no longer be flagged for addition contact and that everything was clear. Yet in XXXX of XXXX I was still receiving calls from the leasing agency stating that again my payments were past due and they were going to repossess my vehicle. it was at this time I requested to speak to a supervisor and I was pushed through to a voicemail box where I left my name and contact inform and what I was experiencing. It was not until XX/XX/XXXX did I get a call back form a supervisor where she stated how apologetic they were on the issue and that they were very grateful on how I was able to make the correct payment as quickly as I had in such a short amount of time. She had also apologized on their behalf for the amount of phone calls that were made to me, and how it was a clinical error on their end form the beginning despite that I had notified them almost 9 months prior to the issue, and how it was then brought to their attention 6 months later, and again how it was still becoming an issue 9 months later even when there was no issue by that point in time. I then asked the supervisor if my credit would be impacted by what has occurred in the last 10 months and she assured me that my credit score would not be negatively impacted due to the issue occurring originally on their end, and not having the original representative from the XX/XX/XXXX not follow through correctly with my report and make the correction to where my monthly statements showing no past due/ late bills. 
When I went in to possibly buy out my lease in XX/XX/XXXX my credit score had dropped for XXXX to XXXX due to what had occurred on my vehicle 's lease. When I called the leasing agency to fix this, I was told again by the supervisor that the error was on their end and she assured me that my credit would be reversed since my mailed out statements had shown no error from my end, and in the three years of my billing experience with them I had roughly 12 months where my payments were made in advance/ good standing ( no bad checks ). Once this was pushed through to the assistant VP/ CEO of the company I was denied the correction because they stated that the error was on my end, and since I was aware of the incorrect amount I was thus held reliable for the corrections to be made again from my end moving forward during that time and my credit score was not to be corrected. It was at this point I have reached out to the CFPB. 
Thank you. 
Enjoy the day.

Company response to consumer: Closed with non-monetary relief