Consumer complaint received 2023-12-02
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
HARDSHIP LETTER To GM Financial Corporate Office Today is XX/XX/XXXX and I still have not received any kind of response regarding XXXX XXXX  arguments against his car loan. He feels that GM is not willing to do anything but begin repossessing proceedings against him while he is in the hospital. The doctors have ordered XXXX XXXX to remain in the hospital for an indefinite period until they get his XXXX  XXXX XXXX under control. 


MY COMPLAINT I am sending a new complaint to Consumer Finance criticizing that agency for indicating that our most recent complaint was a duplicate instead of something new. We strongly disagree with Consumer Finance, and we feel that 'GM Financial never responded to the concerns that XXXX XXXX has such as : ( never responded ) Failure to respond to XXXX XXXX in a timely manner. Failure to move the outstanding balance to the end of the contract. Failure to recognize XXXX XXXX 's illness. GM wants to repossess the car instead of coming up with a reasonable plan and working with XXXX XXXX. Failure to respond asking for an extension of payments until XXXX. Failure to respond to the fact that XXXX XXXX will be in the XXXX  for an indefinite period. I think Consumer Finance is wrong in saying this is a duplicate, we are very frustrated with them that they ( consumer finance ) did not do anything to help me, instead they went along with GM which I think was wrong. What good is this agency when it's one sided, it appears that we ( consumers ) are not being heard and not having our concerns addressed by both parties, again this is not a duplicate. 
The Consumer Financial Protection Bureau ( CFPB ) received your complaint or inquiry. The information you provided or was provided by a referral from another government agency on your behalf will permit the CFPB to respond to your complaint or inquiry about companies and services that we supervise. Information about your complaint or inquiry ( including your personally identifiable information ) may be shared with : the entity that is the subject of your complaint ; third parties as necessary to get information relevant to resolving a complaint ; a court, a party in litigation, a magistrate, an adjudicative body or administrative tribunal in the course of a proceeding, or the Department of Justice ; internal CFPB parties or other federal or state agencies or regulatory authorities for enforcement and statutory purposes ; and with contractors, agents, and other authorized by the CFPB to receive this information. We may also share your complaint or inquiry ( but not your personally identifiable information ) with the public through a public complaint database. 
The collection and use of this information is authorized by 12 U.S.C 5493 and will be treated in accordance with the System of Records Notice ( SORN ), CFPB.005 Consumer Response System, 83 FR 32640. 
Submitting a complaint is voluntary. Government agencies can refer complaints automatically to the CFPB as authorized by law. You are not required to share any identifying information ; however, if you do not include the requested information, the CFPB may not be able to process your complaint. If you have questions about the status of your complaint or want to withdraw your complaint, call ( XXXX ) XXXX XXXX XXXX needs some much-needed help with GM Financial and some much needed time, He found out today he will remain in the hospital for an indefinite period of time and he wants XXXX to make some kind of payment arrangement, please do not talk repossession because he is suffering from a XXXX  XXXX XXXX as XXXX  XXXX XXXX and it causing a lot of problems pumping blood to other parts of his body. His body is deteriorating with this condition, and he needs to know what happens to the vehicle if he passes away. The doctors are concerned about his condition, and the thought of repossession is causing XXXX XXXX a lot of stress. Please can you come up with a reasonable plan because he does not know how much longer he must live. We are asking all GM Financial for some kind of assistance. He is sending you my most recent financial and health hardship letter because he wants to explain to everyone why he was late with payments. 
We are very concerned about his past due payments and one of the reasons he is late is because he suffered a XXXX  XXXX XXXX. The attack was very serious which caused him to have XXXX  XXXX XXXX. Due to the seriousness of his XXXX XXXX, he is facing financial hardship. 
He does agree on three principal short-term goals such as : make my payments as agreed by a payment arrangement, lower my monthly payment, and correct the errors shown in my credit report which need immediate attention. 
Another serious reason for asking for assistance is due to his wifes health condition, she had a XXXX  XXXX, unable to walk, this has caused a heavy burden on XXXX XXXX trying to balance their lives. 
We have been communicating with most of his creditors to explain why he was late on my payments. We told them that XXXX XXXX suffered a third XXXX XXXX which caused a loss of job and valuable income ; my earnings to make the car payment has been reduced. To improve his standing with all his creditors and place a positive note on this, he will listen to everything that is placed on the table but one item that needs to be discussed thoroughly, its his monthly payment, its too high and he simply can not afford that kind of payment. 
From a doctors point of view, Regarding XXXX XXXX  XXXX XXXX, it is very serious ; the family doctor diagnosed him as having congestive XXXX XXXX and an XXXX problem. To offset this, XXXX XXXX has a XXXX  and pacemaker implanted in his chest. The doctors greatest concern is that his recovery from a third XXXX XXXX has been very slow, and stills suffers from XXXX XXXX XXXX which is monitored weekly by a monitor which transmits to the cardiologist daily his heart beats, rhythms, and pictures. XXXX XXXX is pumping only 30 % blood capacity throughout his system, and this is why its important to keep monitoring his daily activities. 
Meanwhile, due to the XXXX XXXXXXXX and XXXX XXXX and slow recovery, XXXX XXXX lost the job he had for twelve years ; his income dropped considerably which caused him to become late in making his car payments. 
The doctor states in his assessment that XXXX XXXX is unable to perform activities as before because of multiple medical co-morbidities, slow recovery from bypass procedure and exceptional shortness of breath. 
XXXX XXXX is also suffering from XXXX XXXX. He underwent XXXX XXXX on XX/XX/, the doctors removed his prostrate, according to his doctor. 
In summary, his wife and XXXX XXXX are undergoing serious health and financial hardship issues, this is why we are asking for some assistance, he wants to keep the car and please no repossession. XXXX XXXX is working on making two payments, and this has been difficult for him because of his XXXX XXXXl stay. He is unable to perform any kind of duty. He apologizes for the inconvenience this may have caused, but he does recognize the problem, and furthermore, he also knows that his attention has been on his health issues instead of his finances, which he wants to change. 



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Company response to consumer: Closed with explanation