Consumer complaint received 2018-06-06
Company: General Motors Financial Company, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I have purchased my XXXX XXXX XXXX ( used ) in XXXX   state, then relocated to XXXX XXXX to live with my grandma to take care of her while making payments. I decided to apply a job and got hired. My XXXX income has stopped due to working full time. Six months later, I am terminated from my job. I had to apply for unemployment benefits and receive my XXXX income again, but they said it will take to process within a month or so. I have called XXXX to communicate with them to let them know about my situation. I moved to XXXX XXXXXXXX, XXXX to stay with a friend, so I can catch up with the late payments with XXXX. I did catch up with the late payment, but some months I would get behind due. I have called XXXX to see if I can get the late payment waived, then this way I can get on current payments, but XXXX denied my request. I kept to keep making payments. They only wanted to know where my car is located in preparing for a repossession in XXXX XXXXXXXX, XXXX. I knew that I had no way to keep my car because XXXX denied to assist me to keep my car. Until when my lease ended, I moved out and stayed at a XXXX XXXX in XXXX, XXXX. I have called XXXX to update the address and told them that my unemployment appeal has decided to pay me a lump sum that I can use to catch up with late payments to keep car. XXXX denied me to catch up with my payments. I found an apartment in XXXX XXXX that is where the repossession has taken on the last week of XX/XX/XXXX. The repossession guy took my car in the parking lot where my apartment is located and he took my car without a notice. When I have discovered that my car was gone, I had no idea what company did take my car to get in contact. Shortly, I decided to look up my XXXX report to check my car 's VIN and discovered about the repossession company that my car was sold to a new owner in XXXX, XXXX quickly ( less a month ). XXXX did not want to work with me to keep my car during the repossession process. I did not have a chance to sign any repossession paperwork nor received any certified mail. 
In XX/XX/XXXX, XXXX sent a Police Officer to serve me paperwork that I am being sued by them. The Police Officer did get in touch with the landlord to tell her about my situation and needed her permission to enter the locked building. The police officer did take my neighbors 's attention, landlord, and the maintenance guy to see that it was for me since that the police officer came to my apartment 's door. I live in a community senior retirement apartments that there is not much of privacy. The paperwork said that XXXX wants me to pay {$8300.00}. I have discovered that they sold my car for only {$900.00} at the auction, but the car 's value is {$3000.00}. They want me to pay all of the loan and I can not pay all of it because I am currently unemployed and collecting XXXX income with health issues. They are suing me with a civic judgement. Their lawyer has filed paperwork at the court almost one year ago. I have been waiting to attend a court date to resolve this case, but the court has not issued a court date as yet. I am stuck in my situation that I can not buy another car and my credit score went down. This  case is going to destroy my credit and livelihood ( with a civic judgement that I would not be able to rent any apartments, getting jobs, and borrowing credits ). XXXX is trying to destroy me. I have purchased 6 cars through other auto companies and paid off in full with on-time payments in the past ( I can prove that ). Do I deserves to be punished with the auto company that was not cooperative with me? Otherwise, I have to move out from my current apartment because the landlord sees me as a risky tenant after what happened with the police officer 's visit that XXXX sent for me.

Company response to consumer: Closed with explanation