Consumer complaint received 2020-11-24
Company: General Motors Financial Company, Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
GM Financial XXXX. XXXX XXXX XXXX, TX XXXX. XXXX : GM Financial Account XXXX and RE : XXXX. FOR : 68 FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATIONS UNDER 15 USC 1692, 15 USC 6802, 15 USC 1611, 15 USC 1635a and 15 USC 1692.. On XX/XX/XXXX, I, XXXX XXXX and XXXX XXXX are the consumers, Creditor-Seller. We never got a loan, we entered into a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX and GM Financial. As the Creditor and nature person we were violated of our rights in the retail installment sale contract simple finance. The contract listed XXXX XXXX XXXX as the Creditor-Seller. In pursuant to 15 USC 1602g the name and address listed on the contract is in violation. We, the consumer, Creditor-Seller were taken advantage of our consumer 's rights. In pursuant to 15 USC 1605 the determination of finance charges are in violation. In pursuant 15 USC 1611 this contract gives false and inaccurate information. In pursuant to 15 USC 1635 we were never provided a form for the right to rescind during our consumer credit transaction onXX/XX/XXXX. In pursuant to 15 USC 1692 the abundant of evidence of the use of abusive, deceptive and unfair debt collection practices by these debt collectors are appalling. Immediately, after we entered a consumer credit transaction GM Financial start sending us GM Financial account statements in contents of a letter, sometimes with a bright red color to the eyes of an adult and in which they never indicated that the communication relates to the collection of a debt. Which was embarrassing to have delivered to our home for other people to see. We received these GM Financial Account Statements every month from XXXX to XX/XX/XXXX. Approximately a few weeks ago GM sent me a copy of our Retail Installment Sale Contract Simple Finance Charge after I called to ask who gave them the permission or clearance to share our personal information with XXXX, XXXX and XXXX without our written permission. Also, to mention we were never provided the opportunity to opt out in pursuant to 15 USC 6802. In pursuant to 15 USC 1692e this contract is deceptive or misleading representation and caused us the consumers emotional distress. On XX/XX/XXXX I forward GM an affidavit of truth and invoice for 11 Federally Protected Consumer Rights Violations Under 15 USC 1692. On XX/XX/XXXX I submitted a complaint with CFPB in regards to our privacy being violated. On XX/XX/XXXX a XXXX XXXX from Americredit sent us what appears to be a letter from GM Financial Central Fraud and again our consumer 's rights to privacy was violated. CFPB complaint XXXX and the wording in this letter is very overwhelming to read. This sale contract simple finance charge has been breached. Enclosed is a copy of the cease and desist, invoice, 3 affidavit of truths. One affidavit was submitted in a previous complaint. One affidavit from the Creditor-Seller XXXX. XXXX and other affidavit from the other Creditor-Seller XXXX XXXX included in the consumer credit transaction. Proofs of violations including exhibits from pages 1-57, and other pertinent documents to show that GM Financial are using third party debt collectors to harass us.

Company response to consumer: Closed with non-monetary relief