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 9
2019-07-18
Franklin Lks, NJ
Problems at the end of the loan or lease
Vehicle loan or lease: Lease
Termination fees or other problem when ending the lease early
Complaint: I am the cosigner of a vehicle that was leased through GM financial. The account number is XXXX. The lease was terminated early and I was NEVER NOTIFIED of this said termination. I was not sent any information from the dealership or from GM financial. This is illegal to not notify me of a lease termination. I was receiving monthly bills during the lease to ensure the payments were being made on time. I received notification via email through my credit report stating that the said account was closed and that there was a {$0.00} balance on XXXX XXXX, 2019. On XX/XX/XXXX I received an email stating that on my credit report that the account was re-opened with a balance of {$4800.00}. The account was finalized on XX/XX/2019 but I was still NEVER NOTIFIED of any of this. GM financial should have notified me of the closing of this account as well as a remaining balance as it is their vehicle. The primary on the lease should have never been able to trade in the car or walk away without paying the over mileage or the last two payments on the lease. This was all done without my knowledge. Someone XXXX up and dropped the ball and now they are re-opening a closed account. I have the emails stating the closed account and the {$0.00} balance. THIS IS ILLEGAL TO HAVE NOT NOTIFIED ME!!!!!!! I have called an attorney as to the legality of not notifying me.
Company Response: Closed with explanation
2019-07-18
Improper use of your report
Credit card or prepaid card: General-purpose credit card or charge card
Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation
2019-07-18
Hermitage, MO
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Company Response: Closed with explanation
2019-07-18
Harsens Is, MI
Problems at the end of the loan or lease
Vehicle loan or lease: Lease
Termination fees or other problem when ending the lease early
Company Response: Closed with explanation
2019-07-17
Glendale, CA
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
2019-07-17
Bakersfield, CA
Problem with a credit reporting company's investigation into an existing problem
Vehicle loan or lease: Loan
Their investigation did not fix an error on your report
Complaint: Just after I got an auto loan with GM Financial in XX/XX/2018, I had two unexpected life events. The first one was the sickness and later dead of my father, unfortunately he was diagnosticated with XXXX XXXX in XX/XX/2018, his sickness impacted my household income, I didnt expected a situation where my full income went straight to my family basics needs when I applied for the loan.
To make everything worse I was impacted by the destructive wildfires across all California in 2018, I was impacted because the wildfires prevent me to access to my workplace and continue working. It was a time that my work was completely stopped by weeks, at some point inconsistent. As result of the wildfires my income was reduced for less than the half, but it was a disaster out of my control.
With my father in the hospital I was paying all the basic life bills and expenses as food, electricity, rent, etc. with a reduced income. With the time my father passed away, but then I had to get enough money to pay a funeral.
From someway or other I made my vehicle payments, but not in the right time due to those catastrophic events ( My father sickness and later dead and the 2018 wildfires season in California ) out of my control, Life happens. As results of all these my credit history was destroyed, I called GM Financial to ask for a relief or forgiveness with the late payments in my credit history, but they were unable work on it, even when the 2018 Wildfires in California were National Emergency. I am not asking for a forgiveness in money, I am just asking to delete or remove the late payments in my credit history, the creditor should provide a relief due to Catastrophic and National Emergencies like this.
Company Response: Closed with explanation
2019-07-16
Las Vegas, NV
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
2019-07-16
CA
Loan payment wasn't credited to your account
Payday loan, title loan, or personal loan: Title loan
Complaint: GM Financial upgraded their System in XX/XX/2017. Nothing has been correct since. Ghost payments due show up on your account ( happened for a year each month ). I schedule payments for withdrawal from my account receive email confirmation and then they either dont take them ( happened this month, again ) or they do it days after it was to be done. I call and what I am told does not reflect what my online statements say. I want a complete forensic accounting of my account PERIOD!!!
Company Response: Closed with explanation
2019-07-16
Kansas City, MO
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: We purchased a vehicle in XXXX from XXXX XXXX, who contacted GM Financial for funding. We were denied credit through GM because of a report from XXXX , XXXX, a credit reporting company we have never heard of. Our credit scores with XXXX, and XXXX are all in the 700 's, and feel something is wrong when a company people have never heard of are able to report things. Also, we were approved for our loan by another company, and it has taken GM over two months to send us any notification.Have been told by others GM approves only wealthy people. GM needs to be stopped from using a company that people have not heard of for credit scores, to deny credit. I wonder how much they pay this unknown company to report this stuff. XXXX needs to be shut down for giving credit reports that are not only way below others, but have no business reporting untrue facts. I urge anyone who has been denied credit by any company, and XXXX to file reports with The Consumer Financial Protection Bureau.
Company Response: Closed with explanation
2019-07-16
TX
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: My wife was checking on a new truck and I told her that I did not want the people doing a hard inquiry on my credit and they said they wouldnt. Instantly I received 10 hard inquiries and I want them taken off and something done to them. Its the XXXX dealer in XXXX Louisiana. XX/XX/2019
Company Response: Closed with explanation
2019-07-15
Wonder Lake, IL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I've noticed a few inquiries from companies that I have no knowledge of. I currently won a judgment from a creditor. Because they allowed someone to purchase a vehicle under my name without the proper identification. I've called both the bureaus and reporting companies. Nobody seems to want to follow up with this even after providing them documents.
Company Response: Closed with explanation
2019-07-15
Orion Twp, MI
Incorrect information on your report
Vehicle loan or lease: Lease
Account status incorrect
Company Response: Closed with non-monetary relief
2019-07-15
Queens, NY
Incorrect information on your report
Vehicle loan or lease: Lease
Account information incorrect
Complaint: GM FINANCIAL IS REPORTING THAT A LATE PAYMENT ON MY BUREAUS.I HAD NEVER PAID LATE OR MISSED A PAYMENT
Company Response: Closed with explanation
2019-07-14
Sunnyvale, CA
Written notification about debt
Debt collection: Auto debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-07-14
Superstition Mtn, AZ
Incorrect information on your report
Vehicle loan or lease: Loan
Account information incorrect
Complaint: This account is reported as being paid on time in XXXX of 2013 yet 90 days past due between XXXX - XXXX of 2013 ... which is incorrect. This vehicle was traded in and paid off in XXXX of 2013. Please correct this or remove it from my report.
I have sent letters to GM Financial requesting an accounting of all payment up until the loan was paid off in XXXX of 2013 and have NEVER received a response.
Company Response: Closed with explanation
2019-07-12
St Heights, MI
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
Company Response: Closed with explanation
2019-07-12
Harsens Is, MI
Managing the loan or lease
Vehicle loan or lease: Lease
Billing problem
Complaint: I received a letter from GM Financial in XXXX of XXXX stating they were moving to a new billing system in XXXX. In XXXX of XXXX I received another letter from GM Financial stating they were having issues with their billing system and I should pay the statements I receive and they will eventually start billing correctly.
My normal lease payment is XXXX XXXX/mo. and in XXXX of XXXX GM Financial began billing me incorrectly, so I paid exactly what was on the statement and assumed they would send me a statement to catch up on payments.
Inaccurate statements for XXXX were as follows : ( I have copies of all of these ) XX/XX/XXXX - Total amount due {$30.00}. I paid {$30.00} ( No late charges XXXX XX/XX/XXXX - Total amount due {$30.00}. I paid {$30.00} ( No late charges ) XX/XX/XXXX - Total amount due {$30.00}. I paid {$30.00} XXXX No late charges ) XXXX XXXX - Total amount due {$430.00}. I paid {$1500.00} XXXX No late charges ) **May XXXX - Total amount due {$540.00}. I paid {$540.00} ( No late charges ) *In XXXX of XXXX I was contacted by a collections agency stating they were going to repossess my XXXX if I didn't pay {$1500.00}.
**In XXXX of XXXX the account started billing correctly.
When I was told my account was in collections I paid the {$1500.00} they wanted and immediately contact GM Financial to be sure this would not affect my excellent credit score. Customer service was less than helpful at first. The first representative I talked to said I should have been making my regular monthly payments, my credit would be affected, and she asked if I " Only paid the amount due on all of my invoices '' - I answered " Yes '' and asked for a supervisor who again wasn't very helpful. After several calls back and forth I finally got someone who looked into everything and he told me this was happening to quite a few people and apologized on behalf of GM Financial. He told me they did report this to the credit agencies, but I would be able to dispute it w/o issue and he said it would be noted on my account.
My credit score did take quite a hit from this and when I filed a dispute it was denied. I did everything GM Financial asked of me, I paid all of the statements that were sent to me ( on time ), my statements show all payments were on-time, and GM Financial did not contact me a single time to tell me they were sending my account to collections or my vehicle was being sent to repossession.
My current credit score has one blemish - 30 days late - GM Financial - XXXX and GM Financial is completely to blame for this. I recently had to take a higher mortgage rate because my bank sees late payments as a risk. The mortgage APR I was hoping to get was 3.99 % and I had to take one at 4.125 % Again, I have never been late on ANY of my payment to ANY of my creditors.
Company Response: Closed with non-monetary relief
2019-07-12
San Francisco, CA
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: GM Financial auto-pay does not permit an indefinite reoccurring payment schedule like all other credit accounts. The reoccurring payment end date was created by GM Financial circa 2017 upon the opening of the loan account and not properly disclosed ( after 3 years of GM auto payment for the lease ). After a total of 5 years of reoccurring payments, there was no notification made by GM that a monthly auto payment would not take place. After the payment was missed, GM did not electronically notify me or call to say that the payment did not take place. Two days before the account was going to be 30 days delinquent, a representative left a nondescript voicemail ( saved ), not identifying themselves, or their place of business, only saying to call them back. This was assumed to be a scam call. It was only discovered after speaking to several GM customer services representatives that this was their one attempt to contact me. I only discovered I had a 30 day late account by a credit monitoring email ( XXXX XXXX ). I paid the bill in full as soon as discovering the issue and contacted GM the next day. The late fee was reversed after acknowledgement that this was incompetence on GMs part but my credit report took a major hit due to the 30 day late payment history. Several phone calls to GM customer service management yielded no results to correct the issue. Disputes with the credit agencies havent had positive results either.
Company Response: Closed with explanation
2019-07-11
Milpitas, CA
Incorrect information on your report
Vehicle loan or lease: Lease
Account status incorrect
Company Response: Closed with monetary relief
2019-07-11
MI
Credit monitoring or identity theft protection services
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Billing dispute for services
Complaint: I turned in my lease vehicle in XXXX, XXXX XXXX XXXX. I leased another brand new one as I do every 2 to 3 years for the last 25 years. I received a bill on XX/XX/2019 for Mileage overage and also a small dent XXXX, no big deal as the dealer gave us a XXXX mileage overage and a XXXX damage waiver. I called on XX/XX/XXXX and spoke with a lady in the billing dept, and asked if this is what we owed, she said we will send out a final bill because she was not certain that both Vouchers were on there. Again no big deal because we knew we had a final bill coming. I guess I should of called again but in the past when the send the cars to auction they would send a final letter stating the vehicle was sold and all obligations were met. Well not this time. We went down to refinance our home and found out that GM Financial had put a mark on our credit and was in recovery.. Really? How come no final bill sent I asked when I called them? they said they sent it, I said we never received it.. I asked why did you not send another one? she had no answer and said it was my responsibility to take care of .. I asked why did you not call us? she said we did. I said I had not had a call. she said we called twice .. well I have a answering machine and there was no messages, she said the first time they left no message, the 2nd time a man answered. I said that would have been me, I said what did you say, she said we asked for XXXX, I asked what else was said, she the man said she was at work .. I said ok? did you say where you were from or what it was about? she said no .. Again realize how many phone solicitation calls we all get in a day.. I said all you had to do was say this is so and so from Gm financial and we need to speak with her. It would have been handled right away, I would have called my wife and told her to call them Or better yet send a final bill saying that we need to get final payment.. After all of that I asked what the final bill was and paid it over the phone. Now my wife 's credit went from XXXX down to under 700 and I could not put her on the new home loan. So after leasing and buying brand new cars from GM for 25 years and mind you it is roughly 24 brand new Vehicles. My wife and I are both XXXX years old and have always had perfect credit and have prided our selves on that fact, Both of us have never had a mark on our credit for over 25 years. We called the dealer and they called them, I have called GM financial and spoke with them 4 times. So now after 24 brand new cars and 12 aunts, uncle, Both Moms, Both Dads, Grand parents working for GM their whole lives, we now have told all them what happened and they agree never to purchase GM again.. Pretty sad this all could have been prevented with a call saying we need to speak with XXXX about a bill, or just sent us a final bill, or even for that matter send a bill stating final notice like almost ever company does ... Look at GM financial reviews!! Hey GM you obviously have a issue with your billing dept!!! Also we will be getting with the Credit Bureau as well, hopefully they will be able to help, if they look at her credit it is as good as can possibly be ..
Company Response: Closed with explanation
2019-07-10
Mabank, TX
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: Business Information Business Name : GM Financial XXXX : XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Complaint Details I financed an automobile for my daughter through GM Financial in my name in XXXX. My daughter defaulted on the loan and I took over the payments in late XXXX. She was behind on the payments so I asked to refinance the loan but was refused. I worked with a gentleman in collections named XXXX XXXX employee # XXXX for several months making token payments until I was able to bring the acount completly current in XX/XX/XXXX with two payments of {$950.00} each which included late fees etc.. The account was paid through XX/XX/XXXX. I made the regular XXXX payment of {$470.00} on XX/XX/XXXX, 9 days before the due date of XX/XX/XXXX. I noticed late fees were showing on the account bringing the amount due to {$500.00}. I paid {$470.00} about {$5.00} over the amount due which should have been posted to principal. I inquired once in the month of XXXX and twice in the month of XXXX on their customer complaint website with no response regarding the late charges and fees that have suddenly appeared. XX/XX/XXXX payment will be due on XX/XX/XXXX and I looked on the computer dashboard XX/XX/XXXX to set up my XXXX payment for this account and see they have posted the entire {$470.00} payment of XXXX to interest only!! I am so disgusted because its very, very, very hard to reach someone at GM Financial who can add 2+2 and come up with 4!! I generally exclusively work with Mr. XXXX because he sounds like he knows something about what he is doing but he can be hard to reach. I am working very hard relinquish my association with GM Financial and incidents like this make it not be soon enough!!
Update : I received a call from Mr. XXXX in collections XX/XX/XXXX asking me to give a little time for the company to resolve this matter and to be fair I agreed. I told him that to simplify matters my payment for XXXX would be in the form of 2 checks instead of being online. I sent check # XXXX for {$370.00} that is clearly annotated for Principal only and another check # XXXX for {$100.00} that stated clearly Interest Only. When I verified online that my payment had been received I noted that only c. {$75.00} was applied to principal!! Completely disregarding my annotations!!
Company Response: Closed with explanation
2019-07-10
Berkeley, NJ
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 explanation
2019-07-10
Clementwood, VT
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
2019-07-10
Problems at the end of the loan or lease
Vehicle loan or lease: Lease
Termination fees or other problem when ending the lease early
Complaint: I opened and have maintained an leasing account with GM financial in XX/XX/XXXX. My lease is slotted to end XX/XX/XXXX. I moved, recently, out of the country and needed to end the lease early. I first called a GM dealership, asking to turn in the car on my way driving out of the country. They advised me that I needed to have an inspection done on the car. I called GM Financial, the leaseholder, and they CONFIRMED, via telephone, that this was the case. This was on XX/XX/XXXX. I was then told that a pre-inspection would be necessary. The pre-inspection should be scheduled within 48-72 hours, I was told. I was trying to return the car before leaving the US. Unfortunately, GM leasing could not transmit the file in the timeframe they said they would. I called back every business day after that, politely asking where my file was and when could I have the lease completed. Every time, I was assured that it would happen the next morning. I moved on XX/XX/XXXX, and left the car in the US, being charged $ XXXX/day for storage until the " mandatory '' pre-inspection lease was undertaken. I waited nearly two weeks, before yesterday talking to a customer rep who advised me that I was misinformed, and that the inspection is not required. I asked for an address to bill GM Financial for the costs of storage, as their mistake has now lead to me having to put out costs. The customer service reps then turned incredibly rude and refused to cooperate. They admitted no fault.
Company Response: Closed with explanation
2019-07-10
Newport Beach, CA
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
Company Response: Closed with explanation