Consumer complaint received 2021-05-21
Company: General Motors Financial Company, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I leased a XXXX XXXX XXXX from XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX I started having issues with the vehicle and XXXX XXXX was not helpful. As a result, I decided to bring the vehicle to XXXX XXXX XXXX in XXXX. They serviced the car at no fee and because of the great customer service I chose to continue to work with XXXX XXXX for the remainder of the lease. In XX/XX/XXXX, I decided I wanted to purchase the vehicle I was leasing from XXXX XXXX XXXX in XXXX. Due to the pandemic, I called the dealership to make arrangements to actually go through with the purchase instead of going in for a meeting with a salesman. I worked with XXXX XXXX, who was a salesman at the dealership over the phone. He gave me a purchase price of {$17000.00}, this price included the last two months of lease payments, balance due, and sales tax. At no point was there any discussion of other fees, such as a disposition fee that would occur after I purchased the vehicle. On XX/XX/XXXX I drove to XXXX XXXX to drop off my check and pick up the sales agreement. XXXX XXXX did not take possession of my vehicle on this day or afterwards. Instead, I received a call from XXXX XXXX stating they overcharged me by {$20.00} and credited my account towards any service needed in the future. Again, I was never made aware of any disposition fee that I would be held responsible for. 

On XX/XX/XXXX, exactly a month after I purchased my vehicle out of my lease, I started to receive threatening phone calls from General Motors Finance. They stated that I owed them a {$500.00} disposition fee. According to GM Financial website, a disposition fee is charged by leasing companies to prepare a returned vehicle for sale at auction. My vehicle was not returned to the dealership or GM Financial for sale at auction. I purchased this vehicle outright with cash. This fee does not apply to my situation. Furthermore, as I was told several times by GM Financial themselves, this fee is discretionary and they are not required to demand it. In fact, according to their website if you lease or buy a new GM vehicle, or if you purchase your leased vehicle, the disposition fee may be waived. On two separate occasions I was promised by a GM Financial representative that the fee would be waived. The first time was a three way call between me, XXXX XXXX ( another salesman from XXXX XXXX ), and a GM Financial representative. He specifically stated that the {$500.00} would be reversed and I would no longer be required to make a payment. Additionally, on XX/XX/XXXX I received a call from another GM financial representative, XXXX, employee # XXXX, who said they would review the sales contract and would send me a letter in three days confirming that the {$500.00} fee would be set to {$0.00}. This never happened. Instead, I kept receiving harassing phone calls demanding I make a payment and at one point was being contacted three times a week. 

This situation has caused me a great deal of unnecessary stress in an already stressful time in my life due to extenuating circumstances. I can not take harassing phone calls for a fee that I clearly do not owe. I would like this fee to be actually set to {$0.00} with written confirmation.

Company response to consumer: Closed with explanation