| 05/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I previously purchased a vehicle through XXXX XXXX XXXX ( with no contract legally signed by me ) that was later sold and transferred to G.L. Financial. Currently the vehicle has been paid in full, and the account is closed. However, after recently checking my credit report, I discovered one 30-day late payment for XX/XX/XXXX, but the payments for all other months prior all reflect as current/paid/never 30 days late. I contact G.L. Financial on XXXX seeking a one-time " goodwill adjustment '' to my credit report, because I was hospitalized for several weeks and literally fighting for my life due to contracting XXXX, while already having preexisting conditions, such as XXXX. While I was XXXX and XXXX, my brother was in contact with the finance company, and made them aware of my condition and explained the possibility that I may not recover. They accommodated me during this time and allowed my brother to make payments on his own, although he wasn't able to access my finances to meet my financial obligations, he did due diligence in using his own funds to make sure my auto loan account continue be maintained as best as possible. During this same time as my XXXX, my mother passed away from XXXX and I experienced a delay in being reimbursed from FEMA for her expenses that I had to pay out of pocket.
Unfortunately the account representative I spoke with at G.L. Financial was unwilling to remove the mark for me, and refused to allow me to speak with any type of supervisor. This negative 30 day mark on my credit reports is causing me even more undue and unnecessary hardship during this pandemic that our nation is facing. I feel that G.L. Financial never considered provisions and protections outlined under the CARES Act. G.L. Financial completely disregarded The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Pub. L. No. 116-136 ( XXXX. XXXX, XXXX ) in their refusal to remove one 30-day late payment. As a result, I would like G.L. Financial to remove the 30-day late payment mark from XX/XX/XXXX and have it reflect as current and okay as all of the others, especially since I have met my financial obligations and paid the auto loan off well in advance. I also discontinued legal action that I was pursuing in regard to the illegal contract they purchased from the car dealer, due to my health condition at the time.
As a result, I would like G.L. Financial to remove the 30-day late payment mark from XX/XX/XXXX and have it reflect as current and okay as all of the others. This issue has created undue situations and has caused my credit score to drop to XXXX and has in part, caused me to be denied XXXX XXXX XXXX to assist with medical expenses for XXXX treatments that are not fully covered under my medical insurance.
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| 05/24/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account information incorrect
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Web |
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On XX/XX/XXXX I hit a deer on my way to work which cause severe damage to my vehicle which is a XX/XX/XXXX XXXX XXXX. My fianc and I Insurance company XXXX said the damage was severe and the vehicle was a total loss. The vehicle was fianace with GL Fianacial in XXXX Georgia for 26 months I purchased the vehicle on XX/XX/XXXX. I had only 7 months left on the contract. Due to the vehicle been total my balance would decrease due to been paid out 7 months earlier due to the vehicle been a total loss. XXXX issued a check to GL Financal for {$5200.00} on XX/XX/XXXX. Once the payment was sent I contacted GL Financial and spoke with Several managers two names I remember was a XXXX XXXX and XXXX and I spoke to XXXX XXXX supervisor about my account. I ask for documents on my account. I ask for to show if I owe any money after the payment the insurance company payment. XXXX and XXXX refused to give and documents and wanted me to just take there word. I explained to them it doesnt work like that. I needed proof. Unfortunately they still didnt provide me with any information. Back In XX/XX/XXXX of this year I pulled my credit file and I noticed GL was reporting I owe them XXXX. I contacted GL Fianacal Via telephone and spoke with XXXX XXXX XXXX about the incorrect information I was informed that it shouldnt be that amount and could I provide them a company of my credit report. I was instru to fax it or email it to them and they would take a look at it. I did as I was and I fax the credit report to them. I never heard back. I disputed the incorrect information with XXXX. Once I dispute the incorrect information with the credit bureaus I received a alert stated some information was updated on my credit report. The update was from GL Financial they had change the balance and the status of the account. I called GL Financial and never received a call back about error that was now been reported. I check my credit once again in XX/XX/XXXX of this year and noticed they amount was changed to a {$140.00} on one Credit report and {$340.00} on another credit and the account went from pay as agreed to charge off which is incorrect. How can the account be charged off if it was paid off by the insurance company and if there was a balance I was never notified. I never received one noticed from this company everything was word of mouth. By law the company is responsible for reporting accuracy information .GL Fianical is violating [ 15U.S.C. 1681s-2 ] ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors. G.L Financial is reporting inaccurate information which is damaging my credit and reputation. Please Help me.
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| 12/28/2022 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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I had a car contract with XXXX XXXX XXXX which required a cash down payment of {$3500.00} on XX/XX/2021. This is a violation of 15 USC 1662 ( B ) and also the contract does not have any disclosure for my right to rescind which is a violation of 15 USC 1635. XXXX XXXX XXXX sold the contract to XXXX. Financial without my consent. G. L. Financial has harassed my family and use aggressive tactics threatening to seize or take my vehicle this is a direct violation of 15 USC 1692 E ( 4 ) as to a threat is fraud and illegal in the collection of any debts this is a right secured to me by this code herein and the XXXX amendment of the US constitution.
When I attempted to verify the debt, with G.L. Financial had a lawyer 's office, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, respond back using a scare tactic to get me to back off verifying the debt which is a direct violation of 15 USC 1692 E ( 3 ) with using false and deceptive means of communication. I have enclosed exhibits for proof of all claims.
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| 11/09/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I have been contacted excessively over the last 2 days and threatened with a class d felony by a retired XXXX XXXX that is now a XXXX XXXX. I also did not give permission for my number to be given out by the original credit lender. This loan is in my mother 's name and I had tried helping her catch up on payments by calling in. My number was given out without my permission to the XXXX XXXX.i want to know what can be done about this. I have recorded voice mails left that will verify any information I have stated in regards to the threats from this XXXX and company.
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| 04/24/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Phone |
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