Consumer complaint received 2017-02-25
Company: General Motors Financial Company, Inc.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
GM Financial Complaint Consumer Financial Protection Bureau Submitted XX/XX/XXXX The XXXX % XXXX, retired of XXXX who has experienced continued health problem that has caused her to be hospitalized on multiple occasions and have to rely on family and friends to assist with her personal affairs. XXXX XX/XX/XXXX XXXX was unlawfully possessed in XXXX, Kentucky, at The XXXX on XX/XX/XXXX. Under Illinois repossession ( citizenship, XXXX XXXX License Plate ) or XXXX ( XXXX dependent student attends college ) she had not received any written notice of her rights and deadlines/fees. In fact, XXXX contacted GM Financial when she was made aware that her caretaker responsible for paying her monthly bills amongst other bills. XXXX spoke with XXXX and had made arrangement to bring the General Motors Financial Account current as by XX/XX/XXXX. XXXX advised that at that time that there was not any order for repossession, and this was confirmed with the GM Financial Lost Litigation Department. However, XXXX was forced to surrender her XX/XX/XXXX XXXX, and keys at The XXXX, XXXX, XXXX, KY XXXX on XX/XX/XXXX, as her dependent student returned to the University of XXXX. In speaking with XXXX, neither XXXX or GM Repossession department aware of the repossession, and there was not any order to repossess. This was further verified by XXXX a supervisor in GM Financial XXXX XXXX Department. In addition, both individuals expressed that GM Financial was aware that the vehicle was in XXXX, Ky since it is registered to in XXXX. This left me stranded in XXXX. After the XX/XX/XXXX incident, XXXX assigned another family member to handle her affairs, for she has experienced multiple TIA and mild XXXX. XXXX vehicle was XXXX behind when it was repossessed on XX/XX/XXXX, as she was unaware. 

XXXX XXXX was not properly notified per XXXX Law or XXXX Law on repossession. She has also filed a complaint with the Attorney General Office in XXXX because she is receiving conflicting information on if XXXX has jurisdiction since it was repossessed in XXXX or XXXX has jurisdiction because the vehicle is registered in XXXX. The complaints are pending a response. In addition, a complaint has been filed with the Consumer Financial Protection Bureau. XXXX is grateful for any assistance the Better Business Bureau can provide, as her family and she continue to seek legal representation. To dateXXXX has received no written notification on the repossession, whereabouts of her XX/XX/XXXX XXXX been able to retrieve personal items, or sale date. In addition, because XXXX from XXXX Attorney General Office contacted GM Financial on XXXXs behalf prior to submitting her formal complaint in writing she is being advised that she can only speak with GM Legal Department. XXXX XXXX is grateful for any assistance the Consumer Financial Protection Bureau can provide, as her family and she continue to seek legal representation for she feels her rights as a consumer has been violated. 

XXXX XXXX has paid the following towards her XX/XX/XXXX XXXX {$10000.00} [ Down Payment ] ; {$28000.00} [ Financed through GM Financial ] ; {$9900.00} [ Amount to pay-off in full ], prior to repossession.

Company response to consumer: Closed with explanation