<prompt> Human: Paying bills shouldnt be complicated. Im 30 year old working professional who has been paying bills successfully albeit grudgingly for the last 12 years. For nearly every bill in my life, I opt into auto draft and, up until this past year, have avoided ever having a late or missed payment.When I decided to lease a car two years ago, I assumed this monthly bill would be no different. Just add it to the list and tearfully watch as every paycheck quickly diminishes. But working with GM Financial was an entirely different experience. I attempted to sign up for automatic lease payment the day I got my car, but their website was down. Tried again the next day and submitted my credit card info, but never received any sort of confirmation via email, account page, or otherwise that the payment was received or even pending. Several days later I checked again and my GM Financial page was still showing that I owed my first payment. So I tried again, submitted my credit card information, and waited--without any confirmation or notation on my account that a payment went through. Nearly a week later I checked my account and it appeared that my balance was 0, alluding to the fact that a payment at some point had gone through. But who knows.The GM Financial account dashboard doesnt provide any visibility into when payments are applied, what is pending, and they dont send email notifications, confirmations, or payment reminders--standard practice for most every company. I was left to assume that I had successfully opted into auto draft for the next 24 months of my lease. Several months later, when checking my credit card statement, I noticed there were two different auto drafts each month to GM Financial, for the same amount. I was paying for my lease TWICE every month, and no one from their end ever realized or flagged my account as being overpaid or even had a basic tool to show total payment of my 2-year lease to date.I called GM Financial in an attempt to resolve the situation. After speaking with 4 different people who couldnt provide any help, I finally reached someone who explained that they have two different external payment options and theres really no way of distinguishing them or clearly choosing one or the other, so often people end up signing up for two mistakenly. WHAT KIND OF A SYSTEM IS THIS?! I was appalled that a company had recognized this was an issue and had done absolutely nothing to solve it. In my case, they said that since I had essentially overpaid for the last few months, I should just wait it out and those payments would be applied to future months through the end of the year. I was instructed over the phone that it would be taken care of and that the double payments would be applied and I should resume normal monthly payments in January.So I did as I was told. But come January of last year, I received a call from GM Financial regarding a delinquent 60 day overdue payment that had been submitted to a credit bureau. WHAT?! Their team hadnt allocated the funds as they said they would, and they certainly never notified me of an issue until it was too late. I had to pull previous bank statements and FAX them over yes, because thats how archaic GM Financial is and no one ever got back to me. I have been on countless phone calls with them for months in an attempt to remove this delinquent account payment from my credit score--spending hours of my time to fix a mistake that they made. The even bigger problem here is that all communication with GM Financial is over the phone, and with no documentation I had no way of proving what was verbally discussed--from one of their many departments I had to go through to find the seemingly right person. The companys website provides so little visibility into payments everything gets linked out to third party payment vendors and there is no way for customers to track whats happening or clearly see what they owe. At this point I have paid every monthly bill to date, yet because of the mis-allocation on their end, some payment back in November was flagged as late.So now I have a big red mark on my previously solid credit report. Thanks GM Financial. Paying bills isnt this complicated. Having basic visibility into your account and payments is standard. Fix your website. Resolve your payment system. Follow up with customers when you make a mistake. Start utilizing communications available to you like email instead of say, phone calls and faxing. And maybe then you wont need to keep 472 entry-level customer service reps on staff trying to fix these issues. Because Im pretty sure Ive talked to all of them, and I doubt Im the only one.Share your stories and heed these warnings. Beware GM Financial!!!  <response>: I have a lease through GM Financial and it works great. I get an email before every pending payment and I get a payment confirmation email after the autopay is processed.The main dashboard tells meDate account openedLease term monthsNumber of payments remainingContract milesDate of last paymentLast payment amountDate of next payment duei can view statements Under Payment Options I can make a one-time payment or set up recurring payments. You cant pay a GM lease with a credit card.They clearly state:Only bank accounts can be used to set up recurring payments.So OP I dont know what you did but you didnt use a credit card, perhaps you were using a debit card, and you didnt set up a recurring payment with a debit or credit card.They also have your transaction history through the same portal, shows every payment, date, amount and source of funds in my case a bank accountOne time payments from a bank account or recurring payments do NOT use a third party site. If you try a one-time payment with a debit card it uses speedpay.com and they charge an extra fee to use your debit card. 