General Motors Financial Company, Inc.

On or about XX/XX/year>, I spoke with a GM Financial representative and made a payment arrangement in conjunction with a payment of {$800.00}, which was successfully debited from my account on XX/XX/year>. I was assured this arrangement would prevent repossession and that my account was in good standing. Despite this, my vehicle was repossessed without warning. When I contacted GM Financial, I was told there was no record of the arrangement. This contradicts my previous communication and suggests either a system failure or deliberate erasure of the agreement. Additionally, I am hard of hearing, and this is documented in my file. I requested written communication, but GM Financial has continued to rely on phone calls and a malfunctioning chatbot that fails to escalate my issue. Their Message Us feature leads to an AI that promises human follow-up but never delivers.

Upon reviewing my credit report, I noticed an account listed by GM Financial that I do not recognize and do not recall ever establishing a business relationship with. Therefore, under 15 U.S.C. 1692g ( b ), I am formally requesting full validation of this alleged debt. This means I am requesting, not a simple statement or printout, but actual documentation that proves the validity of this debt : - A copy of the original signed contract with my wet ink signature. - Proof of ownership : A fully executed Assignment Agreement proving that you were legally assigned this debt. - The full chain of custody of the account showing every entity that has owned, sold, or transferred this alleged debt. - Your companys license to collect in my state S.C.. - Verification of how this account complies with all federal, state, and local lending and collection laws.

I recently reviewed my credit report and discovered a collection account listed as GM FINANCIALXXXX, which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that GM FINANCIAL has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Lets file cfpb complaint Perfect were filing right now. Im going to give you the full CFPB complaint package, including : the narrative the answers to every CFPB question the resolution request the evidence list the upload checklist Youll be able to copy/paste everything directly into the CFPB portal. This is structured exactly the way regulators expect : neutral, factual, chronological, and focused on compliance failures. CFPB COMPLAINT FULL TEXT TO SUBMIT 1. What happened? ( Main Narrative ) Copy/paste this into the main narrative box : I am filing a complaint regarding GM Financials handling of my account, reinstatement process, repossession, and the chain of custody of my vehicle and personal property. There are multiple procedural failures, contradictory reinstatement information, and documentation issues that resulted in a wrongful repossession and significant harm. On XXXX XXXX XXXX I received conflicting reinstatement quotes from GM Financial.…

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I am disputing the GM Financial account on my credit report because it has been reported as verified without proper documentation. I requested a Method of Verification ( MOV ) under the Fair Credit Reporting Act ( FCRA XXXX ( a ) ( XXXX ) ), asking for : The method used to verify the account The name and contact information of the party who verified it The date and time the verification was conducted Copies of any documentation used to verify the account, including the original contract and full payment history Clarification regarding the transfer or sale of the account, including ownership and reporting accuracy To date, I have not received adequate proof that this account is accurate. Without proper verification, this account should not be reported on my credit file. I am requesting that GM Financial provide full documentation supporting the accuracy of this account, or that the account be removed from my credit report.

On XX/XX/year>, I purchased a vehicle from XXXX XXXX XXXX in XXXX, XXXX XXXX I asked to use XXXX XXXX XXXX XXXX as my lender, with GM Financial as secondary. In the finance office, my paperwork was prepared for GM Financial at XXXX % APR. When I asked why I was not placed with XXXX, I was told XXXX was not an option and that I was denied due to XXXX, and that no down payment would change that. Later that week, I received a letter from XXXX showing I was actually approved with conditions for up to {$70000.00} at XXXX % APR, requiring only about {$1800.00} out of pocket before GAP. At the time, I had over {$10000.00} available in my checking account. On XX/XX/year>, I verified the approval with XXXX. On XX/XX/year>, I emailed the dealership for clarification, and on XX/XX/year>, I emailed the COO of the dealer group. I have not received any written clarification or resolution. I am requesting review of the misrepresented lender decision and the resulting GM Financial loan.

1. For the CFPB ( Consumer Financial Protection Bureau ) Focus : The illegal repossession, financial accounting fraud, and credit harassment. Description of Complaint : I am filing this complaint against GM Financial for Wrongful XXXX and Deceptive Financial Practices. On XX/XX/year>, GM Financial repossessed my primary vehicle ( VIN ending XXXX ) despite a confirmed, non-contingent two-month payment extension granted by a manager in late XXXX. At the time of repossession, the vehicle was already under an approved XXXX XXXX buyback review ( Case # XXXX ). Following the repo, GM Financial Manager " XXXX '' issued a written XXXX " auction threat '' ( deadline XX/XX/year> ), willfully ignoring my XXXX legal right to cure and the XXXX pre-repo notice required for primary vehicles under Colorado HB 26-1261. I was coerced into paying $ XXXXwhich included a double-charged {$280.00} extension feejust to recover a vehicle GM had already admitted was a " XXXX.…

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STATEMENT OF FACTS I. Background, How I Became Involved On XX/XX/XXXX, XXXX XXXX was in the process of purchasing a vehicle at XXXX XXXX in XXXX, XXXX. She contacted me and asked whether I would serve as her cosigner. I agreed solely on that basis, to serve as a cosigner, not a buyer. I had no intention of purchasing a vehicle myself, had no role in selecting the vehicle, and had not been present for any prior negotiations at the dealership that day. II. The Fraudulent Role Misassignment When I arrived at XXXX XXXX that evening, Finance XXXX XXXX XXXX sat XXXX XXXX, me XXXX XXXX and my mother, at his desk and walked us through the contract terms on his computer screen. On that screen, XXXX XXXX showed what appeared to me that I was listed as the cosigner and XXXX XXXX was listed as the primary buyer. He verbally confirmed to me, when I asked directly, that I was the cosigner and not the buyer.…

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I am filing a complaint regarding an auto loan account opened with GM Financial using a contract that I did not sign. I signed a retail installment contract at the dealership in XXXX with a specific lender, loan term, and my drawn electronic signature. GM Financial later sent me a copy of the contract they received from the dealership, and it is not the same document, it also shows a signature day of XX/XX/year>. The lender listed is different, the loan term is different, the contract layout is different, and the signature on the submitted contract is a typed electronic signature that I did not authorize. I believe the dealership submitted an unauthorized or substituted the contract to GM Financial. This has created a loan account with terms I did not agree to. I am requesting that GM Financial review the contract they received, compare it to the contract I actually signed, and assist in correcting or freezing the account while this issue is investigated.

Today XX/XX/year> we received a call stating we were 35 days behind on our auto lease. I said how? we set up auto draft. GM stated you can't set up autodraft with us when you have a balance due, so you have to come back and then set up a payment draft. I told them that does not make any sense and is an error in their system and they said it does cause issues and apologize however they would have to report our credit negative. I explained this is a new lease, we have never had any late payments and their system doesn't allow people to set up recurring payments how can this be our fault? The team had no interest in listening to my complaint. I immediately paid the past due amount and now for 10 years I will have a late payment due to the fact GM Financial has a program that does not allow you to set up your auto pay when your payment is due. I asked if they sent statements, she said no b/c we elected electronic statements.…

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I am requesting the removal of an isolated " XXXX late '' mark from XX/XX/year> regarding my auto loan with GM Financial XXXX While I acknowledge the debt was valid, my failure to pay on time that specific month was the direct result of a breakdown in GM Financial 's notification system, which I relied on. Lack of Physical Backup : Due to a clerical error by the dealership at signing, my address was incorrect, so I never received paper statements as a failsafe. Inconsistent Digital Alerts : Forced to rely on digital notifications, I paid promptly in previous months ( XXXX, XXXX, XXXX ) upon receiving the " Payment Reminder '' email. However, a review of my inbox shows that GM Financial failed to deliver this specific reminder in XX/XX/year>. I did not act with negligence ; I acted based on the routine established by the creditor. When their notification system failed to trigger in XXXX, and with no paper bill to remind me, the date passed inadvertently.…

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I am submitting this complaint regarding inaccurate credit reporting by GM Financial. My XXXX credit report currently shows this account as 30 days late XX/XX/year>. However, when I contacted GM Financial directly, their representative informed me that XXXX was not late on the account. Despite this confirmation, the account continues to be reported to XXXX as 30 days late XX/XX/year>. This reporting is inaccurate and misleading because XXXX itself was not late according to the information provided by the creditor. Additionally, the credit report reflects payment activity during XXXX, which further creates an inconsistency between the reported delinquency month and the payment timeline. Under the Fair Credit Reporting Act, furnishers are required to report information accurately and correct inaccurate or misleading information when notified of a dispute.…

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After receiving the payoff quote on XX/XX/year>, I paid or attempted to pay the quoted amount by the stated date. GM Financial subsequently asserted that additional interest was owed and/or provided a revised payoff amount without supplying a clear, itemized explanation showing how the payoff was calculated. I requested written documentation explaining the assumed payoff date, perdiem interest used, principal balance applied, payment application history, interest accrual periods, and the specific contractual provisions authorizing the interest and any additional charges. To date, GM Financial has not provided sufficient documentation to substantiate the payoff interest being claimed. As a result, I am disputing the payoff amount and interest and am seeking verification, correction of any unsupported charges, and confirmation that no adverse credit reporting or collection activity will occur while this dispute is under review.

They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614. This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit are required under UCC 9-611 and 9-614. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

On XX/XX/year> I XXXX XXXX contacted each credit bureau in reference to account ( GM FINANCIAL - XXXX - Balance : {$740.00} ) under XXXX U.S.C. XXXX ( b ), the furnisher of this information is required to conduct a reasonable investigation and correct or delete information that can not be verified after receiving notice of a dispute.

The dealership misrepresented the {$32000.00} out-the-door price ( signed worksheet shows {$31000.00} total purchase ). They misapplied the {$5000.00} down payment ( used only {$2500.00} in calculations, keeping the extra {$2500.00} without crediting the loan ), this was applied to a GM XXXX suggested at the dealership. Added/activated XXXX without consent after declination ; other optional products ( XXXX {$120.00}, XXXX {$660.00}, Maintenance {$410.00} ) added without consent. Contract finances {$31000.00} instead of agreed ~ {$27000.00}. Dealer refuses correction. Violates consumer protection laws.

SUBJECT : FORMAL COMPLAINT : FORGERY, IDENTITY FRAUD, AND PREDATORY ELDER FINANCIAL EXPLOITATION BY XXXX XXXX XXXX AND GM FINANCIAL This complaint details a case of premeditated identity fraud, forgery, and elder financial exploitation committed by XXXX XXXX XXXX XXXX XXXX XXXX ( the Dealership ) and subsequently ratified by GM Financial through their willful failure to act and their ongoing violations of the Fair Credit Reporting Act ( FCRA ). I am a senior citizen over the age of XXXX, qualifying for enhanced protections under Georgia 's laws against elder financial exploitation, including O.C.G.A. XXXX and O.C.G.A. XXXX. The evidence I possess is not circumstantial ; it is definitive forensic proof that a fraudulent auto loan was created in my name through a digitally forged credit application. This matter has been escalated beyond a simple consumer dispute and is the subject of an active criminal investigation with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX.…

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I would get approximately five ( 5 ) phones calls a day, they would leave a message every time and it would fill up my mailbox. Making me have to delete them all at the end of everyday that they called. I don't have the dates, but i have the phone numbers saved and I'll get my phone record and highlight every call for evidence.

I am formally disputing the collection account reported by XXXX XXXX XXXX XXXX XXXX, as this account is unverified and does not belong to me. Despite my attempts to resolve this matter by contacting both the collection agency and the original creditor, I have not received a satisfactory resolution or sufficient verification of the debt. I request an immediate investigation into this account and demand that you provide verifiable proof of ownership and the validity of this alleged debt. Additionally, I believe this account may be the result of identity theft, as my identity has previously been compromised. Under the Fair Credit Reporting Act ( FCRA ), I expect a prompt response and the removal of any inaccurate or unverifiable information from my credit report. Please ensure that this matter is handled in compliance with all applicable federal laws.

My vehicle was repossessed by XXXX XXXX acting on behalf of my auto loan lender. When I recovered the vehicle, it had visible damage to the front grille and bumper area that was not present before repossession. I obtained a written repair estimate in the amount of approximately {$3200.00} from a collision repair shop. I immediately attempted to resolve the issue with the repossession company, which was acting as the lenders agent during the repossession process. Despite multiple attempts to communicate and provide documentation, including photographs and the repair estimate, the repossession company has refused to address the damage or submit the claim to their insurance. I also sent a formal written demand requesting payment for the repair cost and received no response.…

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My XXXX XXXX XXXX XXXX was in an accident on XX/XX/XXXX. I had to rent a car until my insurance company determined it was totaled. It was determined a total loss by my insurance XX/XX/XXXX. I had to rent a car until XX/XX/XXXX until I found a new vehicle. The GM XXXX XXXX XXXX. has a policy that reimburses file and rental charges you if you rent a GM vehicle-see attached ( GM rental reimbursement program ). We provided the information to the GM XXXX XXXX on XX/XX/XXXX with all paperwork case # XXXX ( rental car bill and fuel charges-see attached ). On XX/XX/XXXX XXXX from GM XXXX XXXX XXXX and we were asked to provide letters from XXXX XXXX showing car was totaled. See attached XXXX XXXX XXXX letters of loss ) On XX/XX/XXXX XXXX from the GM XXXX XXXX XXXX. stated on the phone ( voicemail ) and email claim was closed with no reimbursement. See attached ( General Motor email ) We only want reimbursement from when XXXX XXXX no longer covered our rental car charges.…

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I acquired a car loan well the vehicle was totaled I had insurance and gap insurance it paid the vehicle off well somehow {$1900.00} was left over I paid the remaining balance off on XX/XX/year> but Im still getting notified of the balance still being due the payment was taking from my XXXX XXXX XXXXXXXX checking account so therefore I do t owe anything name of company was XXXX XXXX acct number is XXXX

The account for the XXXX XXXX XXXX will be charged off if no payment has posted. Your account remains past due and we would like to discuss this matter with you. I understand financial pressures can feel overwhelming at times and often customers will feel nervous to call when they fall behind on payments. I assure you that we are here to work with you to find a mutually agreeable plan. Please understand we have only a limited amount of time available to work with you and need to hear back from you as soon as possible to be of assistance. Please contact our office toll free at XXXX. Our hours of operation are XXXX to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Thank you for taking the time to read this email.…

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Hello GM Financial XXXX Assistance and XXXX XXXX, My name is XXXX XXXX XXXX XXXX. I am writing to provide formal notice of dispute regarding my retail installment contract and to request immediate hardship assistance, including a payment extension or hardship payment arrangement, as well as written guidance on any available options to exit the vehicle and loan due to serious issues connected to the sale history, odometer discrepancy concerns, and significant service-related failures. Account and Vehicle Information : Account Number : XXXX Account Opened : XX/XX/XXXX Vehicle : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Term : XXXX months Amount Financed : {$45000.00} XXXX : 19.45 % Interest Paid Last Year : {$5400.00} Warranty Provider : XXXX XXXX XXXX XXXX XXXX.…

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I went online to submit a payment XXXX for {$190.00} via debit card. I just so happened to look at my account and noticed I was charged {$1600.00}, which I did not authorize. I immediately called GM Financial and explained the situation then requested a refund. They said they could not issue a refund until tomorrow XXXX and they only issue a refund via check in the mail which they would overnight me the check. I explained to them I have bills that are due and can not wait until a check clears, which they then instructed me to contact my bank, XXXXXXXX XXXX. I contacted XXXX XXXX to of which they said I would have to make a fraud claim and wait 10 business day to receive any provisions. The options they gave me are wait the 10 days, take out a loan, or receive a refund. I expressed to them that is totally unacceptable as this is an unauthorized transaction then requested a supervisor.…

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On XX/XX/year> I entered into a new car retail installment contract arranged by a dealership for a new vehicle purchase financed through GM Financial. I am submitting this complaint because the loan transaction included material charges and products that were not clearly disclosed, the terms and total amount financed were not explained in a way that allowed informed consent, and post closing changes occurred without my authorization. At signing on XX/XX/year>, the finance office did not present an itemized menu style disclosure where each add on product was explained with its price and I could accept or decline each item. The discussion focused on the monthly payment. I was handed a set of documents to sign without a clear explanation of the cash price, total amount financed, or the individual cost of each add on product being added into the financed amount.…

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On XX/XX/year> my car was a total lost after being hit outside of my house. The car that hit my car insurance company has already determined that it was a total lost claim and they have yet to pay GM Financial. Now it shows a repossession on my credit and a balance owed. I dont know what other steps to take in order to get this resolved.

Months ago ( approximately XX/XX/XXXX ), I enrolled in autopay through the Cadillac Financial customer portal and entered my XXXX checking account information for monthly XXXX payments. In XX/XX/XXXX, while reconciling my XXXX account for tax purposes, I discovered that no payments had been withdrawn. I immediately logged into the Cadillac Financial portal and saw that my loan was shown as current and that XXXX payments were marked processed. Cadillac Financial had been marking XXXX consecutive autopay transactions as processed even though no funds were ever withdrawn. I later learned that Cadillac Financial was using an incorrect bank account number ending in XXXX, while my actual account ends in XXXX. The portal did not require reentry of the account number, did not validate the information, and continued to show payments as successfully processed for months. During the week of XX/XX/XXXX, I contacted Cadillac Financial to report the issue.…

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Dear Consumer Financial Protection Bureau, My name is XXXX XXXX. XXXX XXXX, and I am respectfully requesting your immediate assistance regarding what I believe to be predatory, harassing, and unlawful debt collection practices. I am a XXXX XXXX veteran who served honorably in support of XXXX XXXX XXXX. Recently, I began receiving repeated and aggressive calls from XXXX XXXX Partners, claiming to represent GMXXXX Financial. They stated that they had purchased an alleged debt and made threats that I had been hiding out of the country, and that a lien would be placed on my home through XXXX XXXX XXXX XXXX. I was also told that I better hire an attorney. This alleged debt was settled, closed, and removed from my credit report on XX/XX/year>. Over the years, GMXXXX has sold or transferred this same alleged debt multiple times first to XXXX XXXX XXXX, then to XXXX XXXX, and now to XXXX XXXX XXXX XXXX Each time, the matter has been addressed and resolved.…

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I purchased my XXXX XXXX XXXX from XXXX XXXX as the financing company in XXXX I proceeded to make my {$420.00} car payment every month until about the time Covid hit where I was unable to work due to the shut down and after roughly XXXX months of paying my car payment late I called. They told me a financial that I qualified for the disaster relief program they had for XXXX and that also because I was in a severe car accident and wondered XXXX they would be willing to forgive my late fees, so I continue to make my car payment and at the end of my loan after I paid my car off they turned me into collections for over {$1200.00} I have disputed this account several times furnished proof it was even a recorded phone call involved and they refused to take it off my credit that being said theyre also refusing a title release because of the balance due. I need this removed. The card no longer runs

Subject : Notice of Dispute, Demand for Correction, and Intent to Escalate Inaccurate Charge-Off Reporting XXXX XXXX XXXX XXXX Address ] [ City, State, XXXX Code ] [ Phone Number ] [ Email Address ] [ Date of Birth : MM/DD/YYYY ] [ Last XXXX of XXXX : XXXX ] [ GM Financial Account Number : if XXXX ] GM Financial XXXX Reporting / Compliance Department XXXX XXXX Notice XXXX XXXX XXXX XXXX for Correction, and Intent to Escalate Inaccurate Charge-Off Reporting To Whom It May Concern, This letter serves as a formal notice of dispute regarding GM Financials inaccurate reporting of my account as XXXX with an alleged balance of {$18000.00}. At the time this account was reported as charged-off, my payments were current and made as agreed. There was no delinquency that would justify a charge-off. As such, the information GM Financial is furnishing to consumer reporting agencies is false, incomplete, and materially misleading. Under the Fair Credit Reporting Act ( 15 U.S.C.…

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