Payday loan, title loan, or personal loan -- Getting a line of credit -- Complaint #6367426
Complaint Overview
Complaint ID: 6367426
Company: General Motors Financial Company, INC.
Product: Payday loan, title loan, or personal loan
Sub-Product: Personal line of credit
Issue: Getting a line of credit
State: Ohio
ZIP Code: 458XX
Date Received: 2022-12-27T12:00:00-05:00
Date Sent to Company: 2022-12-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Offered an extension of my credit via a credit application on a consumer finance transaction for a vehicle at a delaership. Ive received a letter of adverse action reguarding the reason why stating to be credit score and deliquent accounts. This adverse action is unlawful if not confirmed to be % 100 accurate as the lender has not done its due diligence on the reports as far as Confirmed validation of status- Confirmed validation of transunion, equifax XXXX and experion being a gov. Agency which it is not- Confirmed validation with all records paperwork data and information reguarding these fraudulently reported accounts. For this adverse action not only am i unfairly unable to dispute on the spot as requested with the dealer being the intermediary party i also am never allowed to speak to the actual official agents who claim to have denied my application. As the consumer, not being able to speak to the direct person involved is extremely frustrating and most unfair as there can be violations done without chance for an oral on the spot rebuttal. And the reference numbers for the adverse action are NEVER properly documented. Everytime i call, they claim to have no information attached to my information to find the reference number for the adverse action letter, and how is it possible to pull a credit report on me then later claim to not have the reference number attached to my information. This is not a clear and honest system for the consumer.
Frequently Asked Questions
What is Complaint #6367426 about?
Complaint #6367426 was filed against General Motors Financial Company, INC. regarding Payday loan, title loan, or personal loan specifically about Getting a line of credit. It was received by the CFPB on 2022-12-27T12:00:00-05:00.
How did General Motors Financial Company, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Payday loan, title loan, or personal loan) and describe your issue in detail.
Can I see other complaints against General Motors Financial Company, INC.?
Yes, visit the General Motors Financial Company, INC. company profile at readthecomplaint.com/company/general-motors-financial-company-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.