GENERAL MOTORS FINANCIAL COMPANY, INC.


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"Products" offered by GENERAL MOTORS FINANCIAL COMPANY, INC. with at least one, but usually more complaints:

Bank account or service - Checking account
Bank account or service - Other bank product/service
Bank account or service - Savings account
Checking or savings account - Checking account
Checking or savings account - Other banking product or service
Consumer Loan - Installment loan
Consumer Loan - Personal line of credit
Consumer Loan - Vehicle lease
Consumer Loan - Vehicle loan
Credit card -
Credit card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - Government benefit card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto
Debt collection - Auto debt
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - I do not know
Debt collection - Medical debt
Debt collection - Mortgage debt
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan debt
Debt or credit management - Debt settlement
Money transfer, virtual currency, or money service - Check cashing service
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Money transfer, virtual currency, or money service - Refund anticipation check
Mortgage - Conventional home mortgage
Other financial service - Check cashing
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, or personal loan - Title loan
Payday loan, title loan, personal loan, or advance loan - Installment loan
Vehicle loan or lease - Lease
Vehicle loan or lease - Loan
Vehicle loan or lease - Title loan

Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.
Complaint ID: 2718658

Date Received: 2017-11-02

Issue: Took or threatened to take negative or legal action

Subissue: Threatened or suggested your credit would be damaged

Consumer Complaint: I am a member of the XXXX XXXX XXXX, and, prior to joining the military, I acquired a loan through GM Financial with XXXX XXXX XXXX for the purchase of a vehicle. Since incurring this obligation, I entered the active military service of the nation in the United States XXXX on XXXX XXXX, XXXX. This entry into active military service materially affected my ability to pay. Under these circumstances, federal law prescribed the maximum interest rate which I was to be charged. The Servicemembers Civil Relief Act ( 50 U.S.C.A. 3937 ) prescribes a ceiling of 6.00 % annual interest on any obligation under the circumstances described above. This interest rate must be maintained for the entire period that I am on XXXX XXXX, even if I default. The percentage cap includes all service charges, renewal charges, and fees. The rate is applied to the outstanding balance of the obligation as of the date of entry into XXXX XXXX service. Any interest charged above this statutory ceiling must be forgiven, not accrued. Any person that knowingly violates this section may be fined and/or imprisoned. Therefore, I have asked GM Financial to amend its records to reflect this statutory ceiling and that any charges in excess of a 6.00 % annual rate are withdrawn. Also, I have asked for a detailed accounting showing the credit I was given for my time of XXXX XXXX service XXXX XXXX XXXX, XXXX to present ) with the 6.00 % interest cap reduction. I asked GM Financial to apply the credit to the principal balance on the loan. They received the letter stating above from me on XXXX XXXX, XXXX, and I have received no response. Instead, GM Financial reported the entire balance ( with no amendment ) to the credit agencies as a write-off, and I am now having problems with my security clearance.

Company Response:

State: PA

Zip: 19122

Submitted Via: Web

Date Sent: 2017-11-03

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2718462

Date Received: 2017-11-02

Issue: Problems at the end of the loan or lease

Subissue: Termination fees or other problem when ending the lease early

Consumer Complaint: I left a lease early and leased another vehicle with the help of the factory. The finance company assumed a very aggressive estimated future property tax amount. I knew it was too high and told the company I would pay them {$150.00} a month until the actual property tax bill came in. The estimated tax was hundreds of dollars higher than the actual number. I confimed that number with the local municipality. I called the leasing company with this information and they informed me that they would look into it. I never received a call back or letter regarding my issue and the leasing company continues to call looking for the fraudulent amount.

Company Response:

State: RI

Zip: 02895

Submitted Via: Web

Date Sent: 2017-11-03

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2717722

Date Received: 2017-11-02

Issue: Struggling to pay your loan

Subissue: Lender trying to repossess or disable the vehicle

Consumer Complaint: HJR 192 XXXX THERE IS NO MONEY Company repossessed car despite giving promissory note and tax paperwork on XXXX, spoke to GMAC rep on XXXX who agreed to await for USPS certified mail yet repossessed that same night. I want my car back, loan only 41 days old. My signature paid for loan.

Company Response:

State: NC

Zip: 27302

Submitted Via: Web

Date Sent: 2017-11-03

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2716393

Date Received: 2017-10-31

Issue: Threatened to contact someone or share information improperly

Subissue: Talked to a third-party about your debt

Consumer Complaint: GM Financial, called my mother over and over again, I have written sworn statements from her that I will be using in court since they are trying to sue me. She repeatedly told them to stop calling her and any information that they needed would have to come from me. So they were calling her asking her do so know where the car was, and I was behind in my payments. What 's sad is they went to the measure to tell her that they would give her XXXX XXXX dollars if she told them where the car was. Now remind you my mother is sick and this was happening every single time they called her. Next, the repo man knocked at my door and my family member answered the door and told him the car was n't here then he told her well they going to sue her and start garnishment of her checks. she told him they have to do what they have to do cause it 's not here and plus she do n't work. I just think it 's sad for any company or someone working for the company to tell people in detail your business. I have people coming to court with me to tell the judge what was going on. So I gave the car back and it 's not like the car had to be towed from my house. The repo man drove it away the car was never damage or in accident so tell me how you sell a car for XXXX that 's being reported on there papers. But I have another paper stating that they sold the car for XXXX But XXXX went to the car to make it seem like I made a payment so they could keep it on my report longer I ca n't wait to go to court. I even asked for a payment history and they sent me payments history from XXXX till XXXX mind you I had the car since XXXX Then they sent me paper work with XXXX different amounts for repossession fees for XXXX on one paper XXXX on another paper,XXXX On another paper really which one is it. Then there is a assignment contract which requires Ameri credit and the car company to sign for this to be legal only the car palce sign the letter, which it states that dealer-seller and Americredit must initial well Americredit never signed it at all.

Company Response:

State: MI

Zip: 48174

Submitted Via: Web

Date Sent: 2017-11-03

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2710227

Date Received: 2017-10-24

Issue: Managing the loan or lease

Subissue: Billing problem

Consumer Complaint: made a paymt on line. Which was last week, still did not post

Company Response:

State: TX

Zip: 763XX

Submitted Via: Web

Date Sent: 2017-10-24

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2709667

Date Received: 2017-10-23

Issue: Problems at the end of the loan or lease

Subissue: Problem related to refinancing

Consumer Complaint: i am paying 18 % APR Interest every month Equal to XXXX $ because of my credit score. i was denied for new credit cards from XXXX and from XXXX XXXX XXXX and from XXXX XXXX. i was requested to refinance my car To GM financial my current car under Gm Financial, but i am not getting good quotes to refinance my car. i am very low income person, i am struggling to making payments every month with my family and XXXX month old baby. i am worried about my family financial situation right now. because of these CREDIT BUREAUS like XXXX and XXXX, XXXX XXXX XXXX and my car dealers all all people are manipulating the law and make me suffer a lot.

Company Response:

State: PA

Zip: 19020

Submitted Via: Web

Date Sent: 2017-10-29

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2708212

Date Received: 2017-10-21

Issue: Incorrect information on your report

Subissue: Account status incorrect

Consumer Complaint: Deferment program for requested for XXXX and XXXX of XXXX. Contacted company via phone advised that my XXXX XXXX is not show XXXX late for XXXX and XXXX. Sent copy of credit report to company showing account was marked late. XXXX has still not fixed the issue. Also had instant messaging convo requesting new due date in XXXX that was never done. XXXX XXXX who researched the issue is still incorrect. You are not supposed to report XXXX as late if they late payment was done in XXXX. My credit report is currently showing XXXX payments XXXX late which includes XXXX and XXXX XXXX. If your going to hide behind truthful then report it truthful and learn how to send a professional letter to a customer. For account XXXX. Regardless of anything XXXX and XXXX should not be marked as late.

Company Response:

State: LA

Zip: 70506

Submitted Via: Web

Date Sent: 2017-10-29

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2708082

Date Received: 2017-10-20

Issue: Attempts to collect debt not owed

Subissue: Debt was already discharged in bankruptcy and is no longer owed

Consumer Complaint: General Motors is reporting a debt that is more than 7 years old. The debt was incurred in XXXX 2009 and is more than 7 years old and should be deleted from the credit reporting agencies. Under the FCRA 15 U.S.C. 1681c, an account in collection can appear on a consumer 's credit report for 7 and a half years from the date of first delinquency on the account. Subsequent activity is irrelevant to the seven-year period.

Company Response:

State: TX

Zip: 78745

Submitted Via: Web

Date Sent: 2017-10-20

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2703425

Date Received: 2017-10-16

Issue: Improper use of your report

Subissue: Credit inquiries on your report that you don't recognize

Consumer Complaint: There were suspicious hard inquiries about my credit that I did not authorize. It happened XXXX XXXX and XXXX. I was at work on those dates but I received a notification that there were changes on my credit report thats why I log in to my account. I saw that there were atleast 7 hard inquiries from different companies that I did not authorize. That is unlawful and that is illegal viewing of my finances. I never gave authority to any body to view my credit, especially without my knowledge. It was for car loan credit inquiries. I went to XXXX car dealership in XXXX and spoke to the manager. I told the manager that they run my credit without my permission and I really wan na complain about it. I told them that its a serious matter for me and I felt very threatened and furious of what happened. It could be identity theft and I was so sleepless for two nights because of that. I was told by the manager that somebody represented me on my behalf and told them that shes my nom. They ran my credit without my consent for several times without even double checking and asking for my ID. I really felt that these companies violated my privacy and rights. I am so afraid and XXXX off right now at the same time and I wan na take this in legal action.

Company Response:

State: WA

Zip: 98404

Submitted Via: Web

Date Sent: 2017-10-16

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2702331

Date Received: 2017-10-15

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: I have contact Gm Financial to let them know this account was open by someone else I even send them identity theft document that i report to identitytheft.gov i request document from them and gave them 30 day to reposed and didnt get no document from them

Company Response:

State: FL

Zip: 34759

Submitted Via: Web

Date Sent: 2017-10-26

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.