Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: General Motors Financial Company, Inc. (MI)

I turned in a lease XXXX XXXX on XXXX XXXX. This was the first time in many years I did not release due to unavailability of vehicles nation wide. I was also unaware that I could have extended my lease due to Covid-19 till after I turned it in. I had purchased {$5000.00} additional wear and tear plus tire coverage for this vehicle at the start of this lease. At the end of XXXX I received a bill of a disposition fee ( {$390.00} ) with additional charges of excessive ( {$110.00} ) wear and tear and {$30.00} in taxes. My wife call GM and was told since we did not release, this is there fee, and to go to the dealership for the wear and tear charges. She spoke to a manager ( on XX/XX/XXXX ) that was not very helpful in her explanation and told her to call GM back to get a break down in charges since that was through a 3rd party. We were then able to access the pictures taken by this company. they charged me for the owners manual that was clearly in the pictures that they took and damage to the back diver side rim. GM agreed to take that charge off since they could also see the manual. I stated to GM that I also took pictures of the XXXX XXXX before turn back and there is clearly no damage to that rim. We also told GM of all the additional coverage that was purchased and that car. That was when we were notified of those policies are also 3rd party, a claim would need to be filed and to return to the dealership. My wife did with the bill from GM. They said they would look into it give them a week or two. Wife called back the dealership and no one knew what she was talking about. we had to start over with someone different. We had notified GM when they called us that this was in dispute and trying to get it resolved. We received 2 on star notices via email on XX/XX/20 that 1 or more tires were flat 8psi on 2 tires. On XXXX XXXX that dealership told me via email to contact the dealership that I originally purchased from. I did and we had to start all over with new people. still telling GM when they called it was still being worked on. I was told verbally not to worry they would take care of it all. On XXXX XXXX GM called our home and that was when they informed me that it still had not been handled. Since I had no bill from GM of the actual charges with the manual taken off, i requested a bill to be mailed to my home. That would be only the 2nd correspondence via mail from GM. I called the dealership right away. I was informed that the person working on it retired, they did not know what i was talking about but assured me he would work on it right away. However the holiday 's might make it take longer. I received the bill from GM after the first of the year XXXXand it was dated XXXX XXXX. It stated the account # here is the final bill and to contact them with any questions. This bill still had the owners manual charges on it. {$530.00}. With absolutely no communications via mail GM turned me over to collections on XXXX XXXX. I found out when I called my bank about a loan on XXXX XXXX. I have received nothing from GM regarding collections ever! This has ruined my credit for something that was covered by insurance! I am a XXXX XXXX that relies on good credit scores for loans! MY wife contacted GM on the XXXX XXXX. GM was not helpful nor knowledgeable in this situation and very condescending. I was never informed of this moving to collections in any communications manor or given the opportunity to fix this prior to collection activity. Gm informed my wife of the balance on this account during there conversation on XXXX XXXX. This account was paid in full on XXXX XXXX