Consumer complaint received 2016-09-12 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
A couple of days ago, I submitted XXXX complaints on collection companies ( XXXX XXXX XXXX # XXXX and Diversified Consultants # XXXX based on fraud ). Please note federal law dictates that failure to verify debt must be done within 5 days on notification not sixty. As of XX/XX/2016, both the fraudulent XXXX XXXX XXXX. Fraudulent debt and XXXX fraudulent debt are still on my credit report. 

Today, I am filing the third fraud case against XXXX XXXX and GM Financial. First of all, I am and have been a XXXX for thirty years. I pay my bills. This incident along with the XXXX others appear to be a form of surrogate retaliation for my XXXX. Due to jealousy from the purchase of a used Cayman Porsche, XXXX bank held my car payments for sixty days. As a result, GM Financial sent me a repossession letter and placed two late payments on my credit report. At first, I was somewhat shell shocked because I knew that I allowed XXXX bank via bill to pay GM Financial. I did n't detect the fraud till later and when I sought to prove the fraud as any good detective would, I was denied the XXXX and XXXX car payments cancel checks and mailing records by both XXXX and GM Financial. I returned the Cayman Porsche due to this fraud and the surrounding cover up by XXXX and GM Financial. I am requesting that the balance of debt be deleted from my credit report due to this fraud, deception, misrepresentation, and cover-up. 
Contact : GM Financial XXXX XXXX XXXX GM Financial President XXXX XXXX XXXX XXXX, Michigan XXXX XXXX # XXXX Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Please forward this complaint to both company Presidents. As indicated in the correspondence by XXXX XXXX XXXX XXXX, she claimed that the XXXX XXXX, 2014 payment was accepted but it had the wrong address. And stated that I put in the wrong address, which I disputed. When I asked for the cancel checks for the XXXX and XXXX payments, she refused to provide them and stated that they were destroyed. I feel that she was lying based on the normal retention period of cancel checks being about six or seven years. I contacted GM Financial and spoke to XXXX executives in your company : XXXX XXXX, XXXX, who failed to provide me with the mailing documentation that your company received the XXXX payment with the alleged incorrect address. Nor would he provide me mailing documentation that he received the XXXX or XXXX payments. Prior to speaking to XXXX XXXX, I spoke to a XXXX XXXX ( XXXX ). I returned the vehicle because XXXX and GM Financial both failed to provide customer records to disprove their complicity in fraudulent acts to harm the customer. With only the XXXX made available, there is sufficient documentation on that check alone to question the veracity of XXXX XXXX and the integrity of her investigation. These discrepancies include : a ) XXXX, Tx. XXXX, b ) Correct GM Financial Acct # XXXX, c ) signed by XXXX Executive, XXXX XXXX, 4 ) routing number # XXXX, and 5 ) absence of proof of endorsement by GM Financial accounting staff. 
When the above check reflects these discrepancies, the normal thing to do would be to allow the customer to review the original XXXX, XXXX, and XXXX mailed payments by XXXX and to review the original received and endorsed checks by GM Financial. As stated, neither XXXX nor GM Financial granted me the opportunity to review records relevant to my account. Please remove the charge-off from my credit report immediately due to fraud.

Company response to consumer: Closed with explanation