Consumer complaint received 2020-10-09
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This complaint is regarding an egregious situation that is occurring to my wife and I by GM Financial with regards to a XXXX XXXX XXXX and a sequence of events that occurred during our lease return process. 

I have mailed, by certified mail with return receipt request a very detailed summary of the events that occurred. I am attaching my correspondence from XX/XX/XXXX for your reference, along with the supporting certified mail documentation that proves this letter was received by GM Financial. 

In summary, I visited my mortgage lender to take advantage of the current historic low interest rates and reduce my current mortgage from XXXX XXXX to XXXX XXXX, a move that represents a substantial savings to my family both in the current monthly payment and the long term finance cost for my mortgage. I was rejected for this mortgage, as GM Financial is reporting several late payments and a past due status on my returned lease. I left his office thoroughly embarrassed and extremely upset. 

All my life I have been extremely responsible with my credit obligations and I have never missed not one payment. I've always enjoyed XXXX credit scores and the easy access to favorable financing terms this credit score provides. Now, I am facing the possibility of losing out on a savings of tens of thousands of dollars due to this egregious error by GM Financial. 

As you can see in my correspondence, GM Financial fumbled on three seperate occasion the pre lease return Vehicle Inspection appointment that caused my wife to miss several days of work so that she could be home for this appointment. The inspector was a no call, no show on two separate occasions, and because of this, after much back and forth XXXX whom was presented as the supervisor of the department granted a credit of {$390.00} to cover the disposition fee. I urge you to read the letter from XX/XX/XXXX to understand the context of this situation and how exactly GM financial fumbled the lease return experience. 

Well, now it seems that this was never documented, ( everything else is documented but conveniently the disposition fee credit is not ). I implore GM Financial to simply LISTEN TO THE RECORDINGS to corroborate my version of the story. They clearly state that calls are being recorded, this is a great time to reach into the recording vault. My detailed notes referenced in the XX/XX/XXXX Correspondence will make it very easy for you to locate the specific call. 

I have also on numerous occasions informed GM Financial of this, in writing, by phone, etc. I truly thought this was resolved with my XX/XX/XXXX letter but now they are destroying my wife and my credit history that is impeccable for 30+ years. We will not tolerate this any longer and want to make very clear should we miss out on the significant savings of refinancing our home mortgage we will pursue a claim for these damages. Easily, valued at XXXX dollars over the life of a 30 year mortgage.

Company response to consumer: Closed with non-monetary relief