| 05/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had a lease vehicle for 39 months with RAY SKILLMAN NORTHEAST BUICK GMC TRUCK INC in XXXX on XX/XX/XXXX and it was financed by XXXX XXXX XXXX. My loan matured on XX/XX/XXXX in which I turned the vehicle in 5000 less miles than the 39,254 that was allowed, back to RAY SKILLMAN NORTHEAST BUICK GMC TRUCK INC, without purchasing another vehicle. My last payment to XXXX XXXX was on XX/XX/XXXX for {$1200.00}. On XX/XX/XXXX, I received an alert from XXXX that my score dropped XXXX points. Upon opening the app, I discovered that XXXX XXXX XXXX has reported my closed account as over 30 days late and I immediately filed a dispute with XXXX about it was a closed account and after their investigation on XX/XX/XXXX they said their investigation was completed and it was correct according to XXXX XXXX. On XX/XX/XXXX, I contacted XXXX XXXX and I found out that my car was grounded with XXXX XXXX on XX/XX/XXXX, ( a term that is used for leased vehicles, releasing me from the debt/car ) but on XX/XX/XXXX, in their notes ( XXXX ), someone called from RAY SKILLMAN NORTHEAST BUICK GMC TRUCK INC to unground the vehicle, supposedly the person who owned the car wanted to purchase it right out, by XXXX. Upon talking to the representative, I suggested a 3-way call so she could explain the problem, because I was no longer in possession of this vehicle, since XX/XX/XXXX. And I never intended to buy the vehicle because I purchased one back in XX/XX/XXXX in Florida, while on vacation.
When talking to the dealership, they said they don't have a XXXX and the person who grounds the vehicles name is XXXX, but he knows nothing about this. She said please reground and he said he would fax the original paperwork and the rep said this was highly unusual to happen, but they reopened my closed account and put me as the last owner because it was ungrounded. And this is why I have the negative report on my credit. Once the car is grounded again, they can fix the negative credit report. She said give us 2 days and call us back. I gave them 1 week and called back on XX/XX/XXXX and in the system they are still waiting on a manual grounding and after I talked to a supervisor, they said I had to go get a " NO FAULT LETTER '' from the dealership to fix my credit score. I stated to the supervisor XXXX, that now this is a cat and mouse game, and you have it all in your notes, that I did my part as a customer and I was in the middle of trying to get a lower interest rate on my new vehicle that I purchased out of state and they don't know how long this will take to get corrected. I have threatened to go to social media and other things, but I was suggested to go through this route, because I can hopefully get this resolved quicker than a 30 day time period.
|
| 02/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
I went into Ray Skillman Gmc to do a consumer credit transaction in good faith ( pursuant 15 U.S.C 1642, 15 U.S.C 1681m, and 12 cfr 1002 ) but credit was not issued. They approved me for a XXXX and I was going to sign my papers. Then they changed the terms of the contract and said they couldnt sell me a vehicle. They said because I didnt have a license, they could sell me a vehicle if it was the lenders currency. But because it was coming directly from Ray Skillmans bank account then they couldnt sell it to me.
Ray Skillman is in violation of 15 U.S.C 1681b ( 2 ) - I did not agree for them to run a consumer credit report. 15 U.S.C 6802 ( b ) ( 1 ) - They did not say I had an option to opt out. 15 U.S.C 1681a ( k ) ( 1 ) - Adverse action to the interest of the consumer. 15 U.S.C 1691 a ( 3 ) - I was discriminated against.
My credit card ( social security card ) ( Pursuant to 15 U.S.C 1602 ( i ) -any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit ) was ran and I received no benefit which is proof of fraudulent activity.
After this experience I feel disrespected, belittled, and hurt.
|
| 12/13/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I bought a 2011 XXXXXXXX XXXX and I had nothing but trouble with the vehicle. The check engine light kept coming on, and they put like {$300.00} worth of work into it, but the check engine light still came on. About 7 months after the purchase I got a recall notice in the mail for the XXXX, and it stated that the engine has a recall because of oil consumption issues. I brought this to the attention of the service department and they never fixed the issue. I had the vehicle for 10 months and the motor went out. I was told that they could put a new motor in and it would cost me {$3700.00} and I would have to pay {$370.00} every two weeks. After explaining that I could not afford that XXXX told me that he would speak to his boss to see what we can do. I waited for his call, but he never called me back, I even tried to call him to no avail. I had {$1500.00} to give the car lot to get my car back, but I still hadn't heard from them. So, I had to go purchase a new vehicle, and I lost everything in my XXXX. Now, after a year of them having possession of the vehicle they're trying to sue me for {$13000.00}.
|
| 02/07/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
XX/XX/XXXX I went into agreement with Ray Skillman Northeast Buick Gmc with a Retail Installment Contract and Security Agreement for family and household purposes. My vehicle got repossessed in XX/XX/XXXX. XX/XX/XXXX Payment was sent through USPS money order with an accepted offer of the credits for valuable consideration for {$1900.00} to XXXX XXXX XXXX via certified Mail and was delivered XX/XX/XXXX. XX/XX/XXXX I sent a Notice of Rescission and an Affidavit of my right to rescind as a Consumer via certified mail. Which will be received tomorrow XX/XX/XXXX. I have reason to believe that both parties willingly and knowingly took advantage of me any consumer credit, while Ray Skillman Northeast Buick GMC failed to clearly & conspicuously disclose my right to recscind.
|
| 01/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
|
|
i went to get a car financed with credit score XXXX ans was supposed to get pre apporoved credit got pointed without service of promise on contract
|
| 02/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
|