Date Received: 2015-09-17
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: I had car loan with GM Financial, they have the beginning date as XXXX XXXX, vehicle was not purchased until XXXX XXXX, which was voluntarily turned in XXXX of XXXX due to my financial situation due to a prior job loss. The car was sold at auction in XXXX XXXX. I received a notice from the IRS stating I owed taxes for XXXX on this car because GM Financial had turned in a XXXX for XXXX. I did not own the care in XXXX, there has been no activity on the account from me since XXXX XXXX. I also received a carfax on this vehicle, every year that I registered the car for my tag XXXX where I live, the car was also registered XXXX which indicates the car was suppose to be a lease, not a purchase as I was told by the finance company. The car was sold for XXXX and they turned in {$3600.00} on the XXXX, again in XXXX not XXXX the year I turned the car back in to the company. This was not earned income, I never received any income from GM Financial. According to all the fees, I more than paid the full price of the car and in addition they received an extra {$4000.00} when it was sold at auction. I have tried contacting the company many times and if I 'm lucky enough to speak with someone I only get the run around. BEWARE of this company!!!
Company Response:
State: NC
Zip: 28054
Submitted Via: Web
Date Sent: 2015-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-27
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: My vehicle leased with GM financial was totaled on XXXX/XXXX/15. After working with other parties ' insurance company, a payoff amount was established and a request for title began XXXX/XXXX/15 with GM financial. As of today, no copy of the title has been released so that the insurance company can send check to GM Financial. I have personally pursued this issue with the title dept, total loss, and collection depts in order to have this issue rectified with no resolve. In the meantime, the insurance company is waiting on a title, and I am being pursued for payment -- I am being called everyday to submit payment for a vehicle that GM Financial knows has been totalled.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2015-08-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-25
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: GM FINANCIAL STILL CONTINUES TO REPORT THIS AND NOW SHOW AS PAID OFF AND ZERO BALANCE. I CLOSE ON A MORTGAGE ON XXXX/XXXX/2015 AND THIS MUST REFLECT PAID OFF WITH ZERO BALANCE AND ZERO MONTHLY PAYMENTS ON MY CREDIT BUREAU. I WAS NOTIFIED THIS WOULD BE DONE BY XXXX/XXXX/2015 AND IT IS NOT DONE!. I NEED THEM TO FOLLOW PROCEDURES AND TO EXPEDITE THIS TO THE CREDIT BUREAUS TO HAVE THEM ALL SHOW THAT MY LEASE IS PAID OFF AND HAS XXXX PAYMENTS LEFT AND HAS A XXXX BALANCE. XXXX
Company Response:
State: FL
Zip: 32082
Submitted Via: Web
Date Sent: 2015-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-24
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: GM Financial does not list the amount due on the online payment system until the amount is past due. Each time I log in, it says amount due {$0.00} forcing me to memorize my car payment amount to the penny so that on the next screen I can type it in. I called to address this early on in my lease because it 's confusing and places risk on me to fat finger the wrong amount or be off by a penny and potentially get penalized for an erroneous payment. How does this make sense? Why is this their practice? It 's not helpful at all and again confusing and problematic. I have a ton of bills and sometimes I do n't have the paper bill in front of me so I have to go digging around in past confirmations to remember the amount that I am being forced to manually input. This is a set up and is not fair.
Company Response:
State: UT
Zip: 84123
Submitted Via: Web
Date Sent: 2015-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-19
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: I was laid off for a while but continuously asked for a deferment every time I asked they gave me an amount to pay not working i could not pay it then i found XXXX called for a deferment they said no I needed to pay a FULL PAYMENT paid it via XXXX XXXX and then called back and said no deferment available because I could pay a full payment. Continued to call over a period of weeks and was told again pay this smaller amount {$300.00} and I could get a deferment then ask to speak with manager and wanted a guarantee I would get a deferment advised no guarantee so i did not pay i was not working had no income had to pay for rent and food for my children then i found work had to wait 3 weeks to get paid called again for a deferment but manager advise no we do not offer deferments anymore at this time just make my payments they have such deceptive practices they lie all the time offering assistance then changing their mind when a customer makes their payment. They are rude and abusive on the phone when they do n't hear what they want. they should be investigated at a lll cost.
Company Response:
State: TX
Zip: 76039
Submitted Via: Web
Date Sent: 2015-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-19
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: I requested copies of the original contract with the original creditor in a dispute letter to GM Financial on XXXX XXXX 2015. I also requested a copy the repossession of a vehicle connected to the account, the bill of sale for the repossessed vehicle, verification the sale amount had been applied to the account and an accounting for all payments and charges assessed to the account. The creditor has failed to provide the verification that proves the validity of the account they have listed on my credit reports. They have not even acknowledged my request. Per the Fair Credit Reporting Act if verification can not be provided upon request then the account is supposed to be deleted from the consumers credit reports.
Company Response:
State: IL
Zip: 615XX
Submitted Via: Web
Date Sent: 2015-08-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-13
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: To whom it may concern, I just found out that on my credit report that I was late paying my car payment in XX/XX/XXXX which was XXXX, I was told not to paid that because I was in the processing refinance my car to XXXX XXXX XXXX, from General motor finance. XXXX gave me a good rate for my car payment which it is XXXX a month. I am in the processing buying a home and I would like to have some XXXX to remove this from my credit report. I was following the instruction from my bank XXXX telling me not to paid that in XX/XX/XXXX because I will be getting a payment in XX/XX/XXXX which is XXXX for my car payment. the payment for XXXX would 've been paid because I do n't like anything to be late but i was told not to paid anything for XX/XX/XXXX and my new car payment due XX/XX/XXXX with XXXX. Thanks for your kindness. i really want something in my name and that is a home which i can say its mind. it something that my family and grandkids would love to have. thanks again and have a bless day.
Company Response:
State: MD
Zip: 21216
Submitted Via: Web
Date Sent: 2015-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-10
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I *love* my new car - a XXXX XXXX XXXX , a fantastic value and wonderful service at the dealership. However, I *don't* love my GM Financial billing statement which does not readily and easily display pertinent auto loan information. Nothing is " at a glance. '' The statement does not include 1 ) the interest rate ( it shows the monthly charge and what I PAY for interest - but not the APR ) ( 2 ) No structured " payoff '' amounts ( like credit card statements do : e.g. " If you pay {$300.00} a month, this will be paid off in x months ; If you pay {$350.00}, it will be paid off in x months. '' ) I think these statements are deliberately misleading to the consumers and need to be revamped to resemble the newer credit card statements where everything is " out there '' for the consumer. Thank you. My auto loan is # XXXX
Company Response:
State: CA
Zip: 94551
Submitted Via: Web
Date Sent: 2015-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-10
Issue: Shopping for a loan or lease
Subissue:
Consumer Complaint: Applied and was approved for a loan with GM Financial, received a " welcome '' phone which included a few questions from the GM customer service agent. One question, was " will anyone else be driving the vehicle '' I told them his name and then I explained I traveled a bit and my husband would be driving the vehicle about 40 % of the time and I would be the other 60 %. GM customer service agent then asked " why were they not on the loan ''. I stated, never thought about it since this person was my partner and we lived together. Besides my partners credit was n't as good as mine. The agent then asked for my work number to verify my employment, I explained I was driving and would get the information to them with the next few days. When I called to give them the information as requested, I was told my " loan had been sent back to dealer '' ... I asked the agent why, she replied " you will have to call the dealer '' ... So I did just that, the dealer told me that GM Financial stated I was doing a " straw loan '' ... needless to say I was shocked!!! I explained, how could GM accuse me of doing a " straw loan '' when the insurance for the new vehicle was in both our names, along with the checking account from which the payment would be made. I feel or know that GM Financial discriminated against me and my husband, since we were XXXX.
Company Response:
State: CA
Zip: 92264
Submitted Via: Web
Date Sent: 2015-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-08
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: On XXXX/XXXX/2015 I received a call from XXXX in which this message was left. Hello my name is XXXX I am trying to contact XXXX XXXX to get a message to XXXX XXXX ( inaudable ). XXXX XXXX you were placed as a person of reference by XXXX XXXX ( inaudable ) and I would like you to call me back at XXXX at extension XXXX again my name is XXXX. No mention of the company however I later found out it was GM Financial. I believe the laws protect me from no more than XXXX phone call as a third party and that debt collectors are not allowed to leave messages with a third party asking them to contact them?
Company Response:
State: FL
Zip: 33860
Submitted Via: Web
Date Sent: 2015-08-08
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No