Consumer complaint received 2020-03-11
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This complaint is regarding the following 2 accounts : 1- ACCT # : XXXX -> XXXX XXXX XXXX XXXX -> VIN Last 8 :  XXXX XXXX ACCT # : XXXX -> XXXX XXXX XXXX XXXX -> VIN Last 8 : XXXX First and foremost, both accounts/vehicles were always paid on time and never returned late. now let me explain further : 1- Regarding ACCT # : XXXX, the vehicle original lease end date was XX/XX/XXXX, and it was extended for 2 additional months, with a new lease agreement end date of XX/XX/XXXX. The vehicle was returned within the 10 days grace period per GM Financial policy when I called and inquired for the vehicle return date, and subsequently, the vehicle was returned on XX/XX/XXXX to XXXX XXXX dealership. I have called and confirmed with the following agents of GM financial listed below that all payments have been received and processed properly, and I was informed by each one of the following agents that there  should be no negative or late credit reporting at all, and the vehicle is returned properly and on time and there will be no other fees to be charged to me. The account is closed in good standing with {$0.00} balance due and never late. However, when I check my credit report, I was reported 30 days late on XX/XX/XXXX ( see attached credit report ). Why would I be reported as 30 days late on XX/XX/XXXX, and the vehicle was returned on XX/XX/XXXX, especially, when Im not even late to begin with? Furthermore, if you read the remarks on my credit report, it says full termination/obligation satisfied and lease full termination / entire payment schedule completed for terms of Agreement. This is wrong and it must be corrected by removing the 30 days late payment reporting from all credit bureaus including XXXX, XXXX, and XXXX. This is causing damaging my credit and I ask to hold GM financial accountable for their misreporting of accurate information under the fair credit reporting act, plus I dont deserve this mistreatment as a longtime loyal client of GM products and GM Financial with over 9 vehicles leased so far from GM!!! Shame on you for this type of mistreatment and incorrect fair reporting. I ask the  Consumer Financial Protection Bureau ( CFPB ) to address this matter to the fullest extent of the law, plus I will be filing other complaints with the state of Michigan attorney general office and the FCC if this is not addressed and correct immediately. 
a. Agent XXXX ID # XXXX b. Agent XXXX ID # XXXX c. Agent XXXX ID # XXXX d. Agent XXXX ID # XXXX XXXX Regarding ACCT # : XXXX, the vehicle original lease end date was XX/XX/XXXX, and it was extended for 6 additional months, with a new lease agreement end date of XX/XX/XXXX. The vehicle was returned on XX/XX/XXXX to XXXX XXXX XXXX ( see attached return receipt ). Now, I kept getting calls from GM financial regarding the vehicle being overdue, and it was never returned. I kept explaining to each caller that the vehicle was returned on XX/XX/XXXX to XXXX XXXX XXXX. So instead of GM financial doing their job and check with the dealership, I kept calling false collection calls for weeks and weeks after it was returned on XX/XX/XXXX to XXXX XXXX XXXX. Finally, on XX/XX/XXXX, I received another collection call from XXXX asking for the vehicle and telling me how it is late, and I have been reported as such etc. so I asked XXXX ( from GM Financial ) to hold on and I conferenced in XXXX XXXX ( sales manager form XXXX XXXX ). XXXX was able to right away confirm that the vehicle was returned on XX/XX/XXXX and he also emailed the vehicle return receipt to XXXX right away ( see attached email from XXXX to XXXX and the vehicle return receipt ). XXXX promised me that she would leave detailed notes on the account, and she would fix any and all negative late reporting, as the vehicle was returned in time, and for over 2 months after that, I was getting harassed by GM financial and collectors for something returned properly and timely. I continued to call and inquire about fixing my credit report and I spoke with all these operators listed below and basically, they all lied to me saying I should be fine. I spend hours and hours on the phone calling, on hold, waiting, being transferred repeatedly, and after all this hassle and grief, GM financial still has me reported incorrectly on my credit reports. Furthermore, the remarks on my credit report, it says full termination/obligation satisfied on XXXX   and lease early termination / merchandise returned before the end of the term on XXXX, which is not true. The vehicle was extended and returned 1 days before the due date. This is wrong and it must be corrected by removing the 30 days late payment reporting from all credit bureaus including XXXX, XXXX, and XXXX. This is causing damaging my credit and I ask to hold GM financial accountable for their misreporting of accurate information under the fair credit reporting act, plus I dont deserve this mistreatment as a longtime loyal client of GM products and GM Financial with over 9 vehicles leased so far from GM!!! Shame on you for this type of mistreatment and incorrect fair reporting. I ask the Consumer Financial Protection Bureau ( CFPB ) to address this matter to the fullest extent of the law, plus I will be filing other complaints with the state of Michigan attorney general office and the FCC if this is not addressed and correct immediately. 
a. Agent XXXX ID # XXXX b. Agent XXXX ID # XXXX cXXXX Agent XXXX ID # XXXX d. Agent XXXX ID # XXXX e. Agent XXXX ID # XXXX f. Agent XXXX ID # XXXX g. Agent XXXX ID # XXXX h. Agent XXXX ID # XXXX i. Agent XXXX ID # XXXX j. Agent XXXX XXXX Ext : XXXX Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief