GENERAL MOTORS FINANCIAL COMPANY, INC.

Consumer Complaints

There are over 2230 complaints on file for GENERAL MOTORS FINANCIAL COMPANY, INC.. Dated between 2019-12-10 and 2012-08-23.

Complaints Page 4

2019-10-10

Discovery Bay, CA

Problem with customer service

Money transfer, virtual currency, or money service: Check cashing service


Complaint: GM financial no statements request payments to borrower and not co borrower Dont get statements or anything about the lease nothing in my name just pay by XXXX XXXX and pay fee
Company Response: Closed with explanation

Timely Response

2019-10-09

NY

Incorrect information on your report

Vehicle loan or lease: Lease

Account status incorrect
Complaint: To whom it may concern, The XXXX XXXX that I leased for 36 months was turned in to XXXX XXXX XXXX on Wednesday XX/XX/XXXX. There were some additional items that I did not agree found during the final inspection that had been done weeks earlier. The Sales Manager XXXX XXXX assured me that he would take care of those discrepancies, which he did, and I walked away from the car. I have leased many times in the past and that was all I ever had to do when the car is turned in early and well under the mile allowance, I have always had great customer service from them. Some weeks later I got a call from GM financial saying I still owe for the vehicle, yet I hadnt received a final bill. The agent stated an amount. I disagreed with the amount stated because XXXX XXXX assured me this was all done with a XXXX balance. I figured it was a slip from communication from the Dealer to GM Financial. I then had XXXX XXXX call again to see how much the balance was because I knew there was still the matter of a disposition fee. I was right there and listened to the conversation. He was told XXXX balance. The person he talked to was XXXX at extension XXXX. She also said that the final bill was not generated yet and I will be receiving one soon. So Again, I was expecting a bill for the disposition fee. On XXXX, I sent a payment of XXXX to Gm financial. This was the Disposition fee. This was, I was told, The last obligation of the lease. And they said that the derogatory remarks on my credit report would come off. It was strange it took this long to figure it out, but again, I thought it was just a time factor. My biggest concern is that my exceptional credit record of NEVER missing a payment of my thirty plus years of credit record, that GM Financial by no fault of mine can damage my character by reporting that I have missed a lease payment that was not due to them. I have made numerous attempts to right this. I have been told by both the dealership and GM financial that there was a zero balance. Since my numerous attempts to right this have failed, I have since involved the Better Business Bureau.. I was hoping that this would get resolved before incurring the added expense of my Attorney. Be assured, my confidence in ever purchasing or leasing a vehicle through GM has been tarnished. Unfortunate, because I really did enjoy the car and the customer service provided by the Dealership. Also, I have made numerous attempts requesting a supervisor to contact me. None have. I would appreciate a reply.
Company Response: Closed with non-monetary relief

Timely Response

2019-10-09

Bath, SC

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response: Closed with explanation

Timely Response

2019-10-09

Bath, SC

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response: Closed with explanation

Timely Response

2019-10-09

North Platte, NE

Loan payment wasn't credited to your account

Payday loan, title loan, or personal loan: Title loan


Company Response: Closed with non-monetary relief

Timely Response

2019-10-08

Allen Jay, NC

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-10-08

WI

Problems at the end of the loan or lease

Vehicle loan or lease: Lease

Excess mileage, damage, or wear fees, or other problem after the lease is finish
Complaint: I received a letter from GM Financial that I would receive a final bill for any excess mileage and wear and tear in approx 45 days after I turned in the vehicle. I turned in the Vehicle on XX/XX/2019. On XX/XX/2019 I received a final bill that was due XX/XX/2019. On the bill it stated excess mileage of XXXX, a disposition fee of {$390.00}, and XXXX in tax. I was not made aware of the disposition fee until I received this bill as it is not stated in an identifiable manner but rather buried within the contract. the dealership that leased the vehicle to me did not disclose this to us at the time of leasing the car and we were shocked to receive this bill 3 months after we turned in the car and for 3 times what we anticipated. Upon calling GM financial the associate I spoke to stated the fee was for auction services, however the dealership bought my car and the car was not sold at auction. The GM associate changed her story and said the fee was a end of lease fee, when I asked why I didn't have to pay this on my previous lease she said that she did not know and would have to pull the contract. I also kept checking the website for my lease to see what my final bill was and it stated paid in full along with my credit report which I pulled in XX/XX/2019 which stated paid in full. when I checked my credit report today it not says I owe money and the account is open again this is inaccurate reporting. I feel this is deceptive practices for leasing a vehicle and this information should be accurate, disclosed correctly to the consumer at the time of the lease and not hidden in the contract and reported accurately to credit bureaus. Not a complete surprise 3 months after you turn in a vehicle. The GM financial associate also stated that I have 30 days to pay before I am reported late.
Company Response: Closed with explanation

Timely Response

2019-10-08

Albuquerque, NM

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Company Response: Closed with explanation

Timely Response

2019-10-07

Las Cruces, NM

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Problem with personal statement of dispute
Company Response: Closed with explanation

Timely Response

2019-10-07

Rncho Domingz, CA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation

Timely Response

2019-10-07

Grapevine, TX

Incorrect information on your report

Vehicle loan or lease: Loan

Account status incorrect
Company Response: Closed with non-monetary relief

Timely Response

2019-10-06

KY

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report

Public record information inaccurate
Complaint: False Reporting
Company Response: Closed with explanation

Timely Response

2019-10-06

MA

Incorrect information on your report

Vehicle loan or lease: Lease

Account information incorrect
Complaint: I leased a XXXX XXXX from XXXX and I set up auto-pay from day one. My payments were deducting automatically every month for the first year and half then in XX/XX/2017 they stopped and reported me delinquent. I only found out after I got alerts from my credit card. I tried to understand what happened but I never got an answer to this day. I said fine and I swallowed it. Then when I returned the car at the end of the lease, everything was fine and I was told there's nothing left for me to do because I didn't want to re-lease from them. A month later I get another alert about a delinquent payment (?? ). I call and they tell me its a disposition fee. I was never informed about it nor have I received a final bill. Yet, they destroy your credit score just like that. Horrible experience, no communication at all, and I will never own a XXXX again.
Company Response: Closed with non-monetary relief

Timely Response

2019-10-04

Gloucester City, NJ

Managing the loan or lease

Vehicle loan or lease: Lease

Problem with fees charged
Complaint: I turned my lease in XX/XX/XXXX. XXXX XXXX XXXX. On time no issues. I received a letter dated XX/XX/XXXX from GM Financial Leasing stating they accepted my lease return and I would be billed for end of lease fees within 45 days. I never received this bill. My credit report showed the account was closed. I thought the car sold and I owed no fees because I never received a bill. Fast forward to XXXX of XXXX ; 8 months later. I have a new lease with another company and I never heard from GM ... ... .until now. I received a bill dated XX/XX/XXXX, stating I owed the disposition fee of {$420.00} ( including taxes ). This amount was due XX/XX/XXXX. They bill me 8 months later and give me 15 days to pay. I called them 3x and emailed their ebox that the call center gave me fro complaints. No written response as requested. When I called each time they stated I owed the contractual fee and if I didn't pay I would be reported to the credit bureaus. They stated the bills were sent out late due to the car wasn't processed until XXXX. I'm assuming as an oversight and shouldn't be my problem. *****Why is this my fault? The disposition fee is on the lease agreement to be billed at the end of the lease. I have a letter stating they would send a bill within 45 days. They did not. How do they get to bill me whenever they want? This is very deceptive. They made an error in timing and give me 15 days to pay? I paid today XX/XX/XXXX, because I have over an 800 FICO score and didn't need the headache of another fight. I want the leasing banks held accountable for their billing practices and should not be allowed to bill customers whenever they want.
Company Response: Closed with explanation

Timely Response

2019-10-04

Andersontown, PA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation

Timely Response

2019-10-03

Problems at the end of the loan or lease

Vehicle loan or lease: Lease

Problem while selling or giving up the vehicle
Company Response: Closed with non-monetary relief

Timely Response

2019-09-30

Island Trees, NY

Incorrect information on your report

Vehicle loan or lease: Lease

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-09-29

Church Point, LA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: Asked for removal of unauthorized Hard Inquiries on my XXXX file from : Americredit Financial Services, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MD XXXX CXXXX, XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, LA XXXX I did not apply for credit with this automotive dealers for car credit and ask that they furnish written documentation of application for credit approval. I never visited these dealers. I am presently in Chapter XXXX and not allowed to apply for credit without consent of the courts.
Company Response: Closed with explanation

Timely Response

2019-09-27

Mem, TN

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-09-27

Orange Park, FL

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-09-27

Arsenal, PA

Problems at the end of the loan or lease

Vehicle loan or lease: Lease

Excess mileage, damage, or wear fees, or other problem after the lease is finish
Complaint: Received a bill for so called used damages 45 days after turn car in to dealer : They cliam tires worn, scratches.Before turn car in I had PA Inspection back tires passed, purchased new tires for front, car passed, term milage was XXXX miles allowance car turned XXXX miles.I had a dealership " XXXX '' done every 6mo '' s which was done day before turned car in.Garage keeped car Took pictures of car before turning car no visable damages or scratches, no dents, etc, very light scratches from bushes or small marks from stones. I got pictures from GM Finanici showed to many people could not damaged to car, took to professional Auto Body could only see a small ding back one inch lower part rear bumper.GM FINANICAL add various fee & taxes not shown to me a the time I did original paper work very poor disclosure of what was in lease at end of term.All dealership leases not properly disclosed or people would not do leasing, a number story of leaseing charging thousands of dollars to un suspecting consumers.The lease want to sell car and not put the cast of refurbishing car on un suspecting consumers.GM Financial does not permit dealers to go over cars, they send 3rd party team that get paid to find out what they can use to justifiy over billing
Company Response: Closed with explanation

Timely Response

2019-09-26

MA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my credit report. My latest credit report shows credit inquiry/inquiries that I did not authorize nor do I have any knowledge of making these attempts XXXX XXXX XX/XX/19 & XX/XX/19 Americredit XX/XX/19 & XX/XX/19 XXXX XX/XX/19 & XX/XX/19 GM financial XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 & XX/XX/19 I writing to dispute the following inquiries and asking for their removal from my credit report. Please have these/this unapproved inquiries/inquiry removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. Thank you for your assistance. Sincerely, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-09-26

Beyersville, TX

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: GM FINANCIAL is reporting my account XXXX as late in XX/XX/XXXX on my XXXX report. I paid this loan off in XX/XX/XXXX. I have disputed this with XXXX, with no success. GM reported back to XXXX that the information is accurate .... it is not.
Company Response: Closed with non-monetary relief

Timely Response

2019-09-24

Bremen, GA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Complaint: On XX/XX/2019 I went to XXXX ( XXXX XXXX XXXX ) with an already approved loan from my current credit card company XXXX XXXX '. I was willing and ready to use my XXXX XXXX auto loan without hesitation. My salesman apparently ran my credit with MULTIPLE lenders WITHOUT my permission or knowledge on doing so. Not to mention, I have a XXXX XXXX ' on my XXXX which should have prevented anyone from gaining access to my credit account without my approval. It wasnt until I checked my report 30days later and seen such transactions. I did not authorize all of these auto lenders to run my credit as I have been diligently working to build my credit and with all of these hard inquiries it has brought my credit score down. I have made attempts to contact XXXX XXXX regarding this issue but was informed there is nothing they could do, that I would need to dispute these transactions with the lenders. I would NEVER have authorized all of these hard inquiries when I was already approved for an autoloan. *I tried to upload my XXXX XXXX XXXX XXXX approved loan but since I purchased the car, I no longer have access to such document*
Company Response: Closed with explanation

Timely Response

2019-09-24

Euclid, OH

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: My husband, XXXX XXXX, and I leased a XXXX XXXX XXXX from XXXX XXXX in XXXX, OH on or about XX/XX/XXXX. This was a two year lease, expiring on XX/XX/XXXX, so we traded it in to XXXX XXXX on XX/XX/XXXX in exchange for a XXXX XXXX XXXX. We made our last payment for the XXXX on XX/XX/XXXX, and paid the amount owed for the XXXX at trade in ( see the bank statements, attached ). On or about XX/XX/XXXX, we received a bill from GM Financial for payments on the XXXX allegedly owed in XXXX and XXXX of that year. We contacted our salesman at XXXX, sent in the vehicle return receipt to GM Financial, and believed that the dealership and GM Financial had worked things out. We didnt receive any more bills after that. As you will see from my attached letter, they had not resolved this billing issue, and our credit scores dropped approximately 50 points over the XXXX holiday. I filed a dispute with XXXX in XXXX of XXXX. The balance was changed to {$0.00}, but issues remained. Ultimately, I filed a second dispute in XXXX since our scores did not recover, and I still had late payment status showing on my credit report ( attached ). This dispute was not corrected, and this issue became known in the course of applying for a home equity line of credit from XXXX XXXX this week ( also attached ). I contacted XXXX today, they confirmed that these amounts were past due, and they ultimately sent me to GM Financial. GM Financials Loss Prevention rep ( XXXX ) reviewed my account, confirmed that they were still looking for these two payments, and directed me to the dealership. My question to both was how is it possible that we could owe payments on a vehicle that was in legal possession of the manufacturers dealership/ financial arm? I had sent both parties evidence of our non-possession of the XXXX in XXXX, yet this report stood. In both cases, the parties pointed me elsewhere. XXXX was unwilling or unable to help me beyond that point. I then left a message for the general manager at XXXX XXXX hours ago, with no response so far. Please help. At no point did any of these companies take any accountability regarding this mistake that one of these parties made, and it is negatively impacting us, despite our best efforts to be as fiscally responsible as possible. Thank you so much for reading this complaint. If you have any questions, please call. XXXX. Best, XXXX XXXX
Company Response: Closed with non-monetary relief

Timely Response


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