Consumer complaint received 2020-12-19
Company: General Motors Financial Company, Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm not going away! I'm filing a complaint with the state AGs office and directly to the CEO and President of GM. All GM has to do is step 1 ... prove that they sent the required notice of intent to take possession of the vehicle and that it was sent overnight with a signature requested. They can't do that because they never notified me! They can't do that because they didn't follow UCC regulations! They can't do that because they are sending form letters about ID theft and repeat requests. Well, I wouldn't have to do a repeat request if GM wasn't selective in what documents they want to provide. 

The first letter said " based on the information you provided ... this may be ID theft. '' I asked for debt validation - STALL TACTIC! The next three letters said, " no specific item was requested for validation ''. Well, I sent a whole list! 

What is nonspecific about : Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC - 9 remedies. 

Auto Purchase Plan Agreement Credit Application ( to corroborate the identity of the alleged debtor ) Sale Invoice ( to corroborate claim amount of alleged debt ) Vehicle Invoice ( to corroborate consistency of claim amount of alleged debt ) Retail Certificate of Sale ( to corroborate parity between sale amount and claim amount ) Payment History providing evidence of payments including last payment date and Charge-off Date ( to corroborate actual debt owed net any payments ) Vehicle Title XXXX Letter Repossession Assignment ( initial ) Any subsequent Repossession Assignments Repossession reassigns Account Profile/Repossession Approval Repo Check Sheet Notification Letter to Report Derogatory Status to Credit Bureaus Notice of Repossession/Right to Redeem with any additional fees ( e.g. Recovery fee ) to reflect Legal requirement to notify me personally, or by registered or certified mail at my last-known address, within 24 hours of such repossession. 
Notice of Plan to Sell Property at a Private Sale ( Notifying me of the time and place of a public sale and/or of the time after which a private sale has taken place ). 
Letter of Private Sale ( Disclosing Purchase price of buyer ) Total Loss Protection Assurance ( Covers the loss of the entire car minus any payment obligations until submission of claim ) Post-repossession assigns/assignments/assignment agreements Debtor Notification of Assignment pursuant to Bill of Sale for the sale of any chattel paper or payment intangibles relative to the debt This is total XXXX! They didn't follow the law and CFPB its time for you hold them accountable!!

Company response to consumer: Closed with explanation