Consumer complaint received 2017-05-09
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc. (CA)

I had a loan with  GM financial that was paid in full   by my insurance companies,  XXXX   XXXX  and  XXXX  Gap insurance . GM fin ancial is reporting that I was late 30 days in     XX/XX/XXXX , l ate 60 days in   XX/XX/XXXX   and the account was charged off. I contacted  GM financial  via  US mail and directly disputed the information with them ( see attached letter  dated   XX/XX/XXXX   ). I requested to only be contacted via mail. They responded on   XX/XX/XXXX   ( see attached ) claming they needed more information to properly assist me and directed me to contact them via telephone. I did not contact them, as they should not need information from me to substiate their claim that their records are accurate and they are reporting valid information to the credit reporting agencies. I recieved another letter dated  XX/XX/XXXX  from  GM Financial claiming they are reporting accurately to the credit reporting agencies, however I did not recieve any of the documentation I requested. GM Financial is misrepresenting this account.      I re-disputed this account directly to  XXXX ,  XXXX  and  XXXX  certified mail return receipts ( see attached letters dated   XX/XX/XXXX   ). I provided copies of the checks from  XXXX   XXXX  dated   XX/XX/XXXX   ( in the amount of {$22000.00} ) and  XXXX  dated   XX/XX/XXXX   ( in the amount of {$4900.00} ) which I also attached to this complaint. These are the months  GM Financial cl aims my account was 30 and 60 days past due, which is false. They also claim the amount was charged off in    XX/XX/XXXX ,   however they claim the date of last payment was   XX/XX/XXXX  . How can an account be charged off the following month after recieved approximate ly 27 thou snad dollars in a  5 we ek period. My payments were not applied appropriately? The checks from  XXXX   XXXX  or  XXXX  did not specify the funds to be applied in a certain way ( i.e. principal only ), thus my account should have been reported current for the months payments were recieved on my behalf.     I also responded to  GM Financial  and sent a certified letter with return receipt requesting a complete account summary for the months of   XX/XX/XXXX   -   XX/XX/XXXX  . ( see attached letter dated  XX/XX/XXXX  ). I have not recieved any response from  GM Financial, however, they are continuing to report this inaccurate information on my credit reprort.      T he credit reporting agencies have concluded their invesigations and determined that GM is reporting this account accurately, even after I have provided documentation and payment information that proves it is unaccurate. My due process rights are being violated. The credit reporting agencies are not investigating thoroughly, they are just taking GM Financial 's word, when GM Financial has not provided any proof or account history that substantiates their claim.      In my disputes I requested the credit reporting agencies to provide me with the name and phone numbers of the individuals at  GM Financial wh o verified this information ( see attached letters dated   XX/XX/XXXX   ). I have not recieved that information, however the investigations have been concluded. They are being untruthful and unethical. My rights are being violated. This account was not charged off. It is my belief that  GM Financial is  continuing to report this unverifiable debt. They have not provided payment and account information in either of my requests, however they claim they are reporting accurately. The only thing  XXXX  updated on my credit report was change the last date of payment from  XX/XX/XXXX  to XX/XX/XXXX . There are numerous reporting errors on this account and  GM   Financial  as well as  XXXX ,  XXXX  and   XXXX   refuse to update it appropriately and/or delete it.      I have attached all of the documentation ( letters to GM Financial,  XXXX   XXXX ,  XXXX , copies of certified mail return receipts, copies of checks from   XXXX   XXXX   and  XXXX , and letters from GM Financial ) that was included in my disputes to GM Financial,  XXXX ,  XXXX , and  XXXX .