Consumer complaint received 2019-12-16
Company: General Motors Financial Company, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Around XX/XX/XXXX, GM Financial illegally repossessed XXXX XXXX XXXX  Account # XXXX. This issue was resolved a few days later. They returned the vehicle. However, it took months for them to remove the 30, 60, 90 day late payment. 

After it has been resolved, couple of months later, around XX/XX/XXXX ( last year ), their billing department sent me inaccurate bill showing months of unpaid monthly payment. Around XX/XX/XXXX, I contacted GM Financial about fraudulent charges/inaccurate billing and credit reporting for 2 XXXX lease accounts that I had with them : Account # XXXX ( XXXX XXXX XXXX VIN # XXXX ) and Account # XXXX ( XXXX XXXX XXXX VIN # XXXX ). I sent them an email dispute and it appears as if they again corrected the wrong bill for this account. 

When I made all the disputes, I made it clear to GM Financial that both accounts were being paid at the same time. I provided them bank statements and even conferenced them with XXXX XXXX   representative over the phone. XXXX even confirmed to me that the amounts were being paid to GM Financial by them on my behalf every time a payment is made through my XXXX XXXX account. 

For the record, both these accounts were on automatic billing and payment directly with GM Financial. I never knew that GM Financial took me off of the auto pay around XXXX XXXX. Since I have enrolled on auto pay, I only open mails when I have time to file and organize. 

Around XXXX XXXX, I found out that I am being paper billed and that according to them I owe 2 months. And because I saw how undependable GM Financial 's online payment system is, I decided to start paying them directly from my XXXX XXXX  account. 

Around XX/XX/XXXX, I spoke with XXXX of GM Financial - I was told that she would be putting notes regarding the 30 day late for Account # XXXX for research. 

Around XX/XX/XXXX, I spoke with XXXX and XXXX of GM Financial - I was told that I would be receiving a letter from GM Financial indicating no late payment record for Account # XXXX and that it would take few weeks before it is reflected in my credit report. 

Today, XX/XX/XXXX, I spoke with XXXX of GM Financial - I was told that Account # XXXX is still showing the 30-day late. 


Records will show that I always pay my GM leases on time except for the month that their system abruptly and without notice stopped processing my auto pay. 

Records will also show that I always pay these 2 accounts timely and responsibly. 

Records will also show that I always pay these 2 accounts AT THE SAME TIME! 

Since I am paying both accounts at the same time, and they have removed the late payments in Account # XXXX, why have they not done the same with Account # XXXX? 

Both accounts should not show any late payments. I have been suffering because of this negligence. I have either been declined credit or been offered higher interest rates because of this inaccurate information being reported on my credit. 

Please see attached documents for reference.

Company response to consumer: Closed with non-monetary relief