Consumer complaint received 2023-02-14
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Reminder that UCC codes, USC, the HJR 192 are legislature put into action for use by the consumer. The problem is that most people don't know because corporations don't want them to know. When people like us find out about and how to use these codes, the corporations fight back even though they are not following legislative codes. 

XX/XX/XXXX, my wife and I sent payment in full to discharge the debt for our XXXX XXXX XXXX XXXX. Payment was sent, certified/return receipt to GM Financial CEO ( as we did not know where it was to go to ) XXXX XXXX in the format of a remittance coupon. We listed each of the corresponding UCC codes and definitions that pertain to this payment ( UCC 3-104, UCC 8-102 , UCC 9-105 ( 1 ), 18 USC 8, UCC 3-603, UCC 1-308 ( a ), UCC 3-419 and House Joint Resolution ( HJR ) 192 ). The payoff amount sent on the remittance coupon was {$35000.00}. We received a letter back from GM Financial Central Fraud dated XX/XX/XXXX. In short, the letter told us that the documentation we submitted is not recognized as legal tender by the United States government, the Federal Reserve and the Internal Revenue Service, therefore, it is not an acceptable method of payment for our account. GM Financial Central Fraud then told us that our documents are often used as a payoff scheme by fraudsters, that we must continue to make payments as per our contract ( which is with XXXX XXXX XXXX, not GM Financial ) and gave us a website to go to for acceptable forms of payment. 

XX/XX/XXXX my wife and I sent the Department of Treasury, a request to audit GM Financial on our behalf by way of a W-4 Sandwich. My wife and I each sent the Treasury a W-4 , a form 1040 and a 1040V to pay the Treasury for their work. There has been no response to date. 

XX/XX/XXXX my wife and I sent full payment in the amount of {$33000.00} in the form of a remittance coupon, again with all codes ( UCC and USC ) and HJR 192 and a 1040V to pay the Treasury agent for their work. There has been no response to date. 

On XX/XX/XXXX my wife and I sent detailed accounting of our payment history for a W-4 Sandwich audit to the Internal Revenue Service . We included a W-4 , a form 1040 and a form 1040V so the IRS agent can get paid for their work. There has been no response to date. 

XX/XX/XXXX my wife and I sent copies of the remittance coupon dated XX/XX/XXXX with all pertaining codes ( UCC & USC ) and HJR 192, along with our fee schedule to GM Financial/Payment Processing imploring them to discharge the debt of our account as per the negotiable instrument sent to GM Financial/Payment Processing . No response to date. 

XX/XX/XXXX my wife and I sent a form 3949A and a 1040V for their efforts and a copy of the paperwork, including the remittance coupon submitted XX/XX/XXXX. No response to date. 

XX/XX/XXXX at XXXX, GM Financial contracted with XXXX XXXX XXXX and sent them to our abode to repossess our XXXX XXXX XXXX XXXX We are in a state that is a civil self help repossession state ( all repossessions have to be voluntary ). The police and sheriff deputies worked to get us to allow the repossession driver to leave our private property with our vehicle. My wife and I were adamant that our truck was not to be taken off of our private property. Under duress we aquiesced to the request of the police and sheriff deputies. Under the Colors of Law statute, this becomes a wrongful repossession. 

Done in good faith, understanding both spiritual and legal liabilities of, " Thou shalt not bear false witness against thy neighbor. ''

Company response to consumer: Closed with explanation