Consumer complaint received 2017-09-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: General Motors Financial Company, Inc. (ME)

I have two leases through GM Financial ; which both are linked to my account. My XXXX has a {$460.00} payment and my XXXX has a {$390.00} payment. Approximately 10 months ago, I was contacted by GM Financial that my XXXX was past due. This was impossible because the money had been debited from my credit union checking account. Problem was GM Financial was applying my XXXX payment to my XXXX, so my XXXX had a two payment of {$460.00} paid ahead. The gentleman I was talking to told me he could see the problem, and that I 'd be assured he would reapply the payments correctly and would " fix '' the auto payment transfer. He did reapply correctly, but did n't fix the transfer as promised.
At this point, I thought I was good to go. Not yet, a few months later I get a call that I 'm past due again. I tell the GM Financial representative that this whole situation should have been resolved. Well, I had to explain the whole situation again ; which they redirected the payments for the second time. The representative told me that my account will transfer as it 's suppose to and I was n't charged any late fees and was promised my credit was good.
For the third and final time, I receive a call a few months later that my XXXX is past due. These guys did n't correct my transfer as promised, and my XXXX payments were being applied to my XXXX again. I explained the situation for the third time, and they assured me that everything was fixed and that my credit would n't be affected. Because it was the third time, I told the gentleman that GM Financial staff had lost my confidence and that I wanted to cancel all of my automatic transfers and I would send a check each month - which is inconvenient in today 's modern world. However, this representative was confident and he told me that this will not affect my credit report because he would make sure of it.
Low and behold, GM Financial marked me 30 days past due on my credit bureau. I have credit bureau monitoring through my credit union - where I 've been a member since XX/XX/XXXX. I 'm attaching my credit bureau for review. I 've been in the bureau since XX/XX/XXXX, the year I graduated from High School. Out of approximately 50 loans, I have never been late on one loan - until GM Financial. My credit score dropped from over XXXX to XXXX because of this.
The score is n't a big deal with me, what is a big deal, is that all future loan applications, finance companies and my credit union will think I 'm having financial troubles and that I pay late ; resulting in them charging me a higher interest rate and not trusting me. I 'm XXXX years old, a husband of XXXX years, a father of XXXX young children, a XXXX of a medium size organization, and have fallen victim to a large corporate entity where my voice is not being heard of.
At this point, what do I do? The representatives are incompetent. My only two retaliations are to file this complaint to see if this will work in them reporting me on-time for that payment ; and not purchasing another GM product. I feel GM Financial may have done this to drop my score so they can charge me higher interest rates for future leases and purchases.