I’ll try and condense this as much as I can. I just came across this and need to know what avenues I should be going down to rectify asap.
July 2019 I receive a bill from GM Financial for my normal lease payment + $257 in taxes. I pay it. Next month, August I receive a bill for $0. I chat with their online rep and they say the tax payment was applied incorrectly and they will investigate, so I make a payment anyways. September, same thing, bill for $0, chat with rep, we will investigate, you are current you do not need to make a payment. October rolls around receive a bill for normal amount, I carry on and think nothing more of it.
Lease matured in March, I was able to call in and get lease extension for 2 months (they wouldn’t do this if delinquent right?). I make two more payments, then on may 18th just as I am about to turn in vehicle I receive an email saying I am 25+ days past due. I immediately check account and sure enough it’s asking for a payment +$67 late charge. Chatted with a rep online after waiting on phone hold for 30 minutes getting nowhere, I could still scroll up and see all of my past chat conversations where I had inquired on 2 different occasions about the billing errors. They would not confirm if they could see this or not. The rep assured me they hadn’t reported anything delinquent to credit bureaus but that the amount was due, which I was willing to pay but felt the late fee was not my fault since I had tried to contact them on this issue several times. All they could do was submit a complaint for later contact… So I paid the amount due that day and moved on and shortly after turned in the vehicle.
Today, I am interested in refi my mortgage so I am checking things out and notice my score has dropped almost 100 points! I log in to transunion and sure enough GM Financial is reporting 1x 30+ days late. I just leased a vehicle in April and my credit pull was 766 and what Im seeing now is 680… literally made me sick to my stomach.
Aside from contacting GM financial what are my next moves to get this rectified?