Consumer complaint received 2017-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (CO)

I am legally XXXX on XXXX. I am XXXX XXXX XXXX. GM Financial knows that I am XXXX. My XXXX expired on XX/XX/XXXX. I called them well in advance of the expiration and extended my lease. I receive a phone call on XX/XX/XXXX asking me for the signed lease extension, but I had never received one. They admitted they sent it to the wrong address in NJ. They say they will resend. 


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1. XX/XX/XXXX I receive the lease extension. I fax the signed extension to them and receive a confirmation. They agree they have it. 

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2. XX/XX/XXXX I receive another lease letter from XXXX XXXX. But I didnt see it for over a month because I never check my mail because I do everything electronically as I am unwell. When I saw it I thought it was a mistake and disregarded it. 

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3. XX/XX/XXXX I receive a text from my brother in another State alerting me that I received mail at HIS house. I never lived in his house. I had him open the envelope and send me photos of the envelope and contents. In the envelope was a business card for a car repo person. I got nervous and assumed identify theft so I checked my credit report and saw that GM Financial CHARGED OFF my car. I tried to dispute it with XXXXXX/XX/XXXX but it is also reported as paid in full. Isnt it illegal to harass my family in another State to embarrass me into returning a car I am allowed to have? 
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4. XX/XX/XXXX I phoned XXXX and was on hold for nearly 4 hours and transferred to multiple people. During the call I emailed them PROOF that I had a lease extension and they illegally contacted my family. At the end of the I was told that the mistake would be rectified and I can keep the car until XX/XX/XXXX. So I made my monthly payment, which would mean I am paid in full until XX/XX/XXXX. 
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5. XX/XX/XXXX I receive a call from them at telling me they are repossessing the car TODAY. They claimed they never got the lease extension so I offered to resend it to them yet again. I resend it to them by email and they call me and said that it is now null and void because I filled it out wrong. I asked her for a refund ( of my monthly payment for XXXX ) and for a release ( saying they would release the charge off ) if I could return the car the car today and she said the charge off will remain on my credit unless I pay $ XXXX for the car right away. 
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6. I can not afford to buy the car. It is XXXX. I have less than XXXX mileage on it. I just use it for doctors visits and to buy food. Theres no public transportation to my doctors and I am not working. How do I buy another car when theyve destroyed my credit? 
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7. Theyve accepted all payments. None of them have been returned.