Consumer complaint received 2020-02-12
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This complaint entails my lease at GM Financial regarding my XXXX XXXX XXXX XXXX. I originally leased this vehicle for 39 months and the lease expired on XX/XX/XXXX. 

With good faith, I returned my pristine XXXX XXXX XXXX back to the original dealership, XXXX XXXX XXXX in XXXX, Texas on XX/XX/XXXX. 

The service manager along with one of the service advisors took inventory of the vehicle while collecting both sets of keys and going over everything on the vehicle. As per their direct comments, they both commented the vehicle was pristine, matching tired with more than proper tread while confirming I was under the alloted total miles, as per the executed lease agreement. I asked them the time frame of hearing back from GM Financial to see what would be owed, if anything. They stated usually 2 weeks. 

I left the country for both the holidays AND business on XX/XX/XXXX and returned on XX/XX/XXXX. 

I personally visited the dealership again and asked them If they can verify any information whatsoever. This is when they put me in contact with the General Manager by the name of XXXX XXXX. This gentlmen went out of his way and made his calls and contact and assured me in person that I absolutely had no excess wear and tear and I would not be responsible for any wear & tear and that {$0.00} was due from us. 

Additionally, he stated that GM Financial calls and mails clients a final bill, if there is any overages due to their initial contract. In the morning of XX/XX/XXXX, I recieved an alert on ALL my 3 main credit bureaus stating I was currently 30 days late on my ACCOUNT. 

First, they confirmed the last payment was made well before the due date and they also confirmed, along with the dealership that I turned in the vehicle earlier than the due date ( XX/XX/XXXX vs XX/XX/XXXX ). 

Now I have a 30 day late showing on my credit report thus causing an average of XXXX point drop on my 3 credit reports! Additionally, I am due to close the last week of XX/XX/XXXX on another rental property and this will cause massive financial hard for a very huge error on part of GM Financial! 

To date and since the time of this writing. I never recieved any communications from GM Financial regarding anything after XX/XX/XXXX and yet now they left me with damaged credit and a perfectly maintained vehicle back in their fleet. Again, the dealership was the only party that confirmed I owed them nothing extra by visiting the dealership on XX/XX/XXXX. 

I have also contacted the Federal Trade Commission, Office of the Attorney General of Texas along with the XXXX  of the XXXX, TX Division. Additionally, as a practicing attorney here in Texas, I will begin exploring other possibilities to include filing a lawsuit for willful financial hard by violating the Fair Credit Reporting Act. 

XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief