Consumer complaint received 2015-11-29
Company: General Motors Financial Company, Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
The name of the Financial institution is GMFinancial in Texas, XX/XX/XXXX I bought a brand new Vehicle a Toyota Tacoma XXXX, GMFinancial was the finance company, it cost me about {$47000.00} dollars, XX/XX/XXXX I begin to feel ill, XX/XX/XXXX I left my job I could not continue working no more, the Doctors Declared me XXXX XX/XX/XXXX I was collecting XXXX very limited income compared to your salary Job, I struggle to make the payments of the vehicle but I barely made it until XX/XX/XXXX I call GMFinancial to let them know of my situation they did not help me, I was behind in my payments close to 3 month, This is where is gets QUESTIONABLE, XX/XX/XXXX they could not wait any longer even I told them I got someone who will be able to loan me the money to pay you the 3 month I am behind and get up to date with you, NO they did not wait they came to Repossessed the vehicle with only {$6000.00} balance to pay it off, it hurts me a lot Not because I am attach to material things but I was informing the company of my situation based on that the balance was few thousand dollars and the fact I was working hard to get someone to loan me the money at least they should waited a little longer, they got the vehicle they took it, the later they advise they were going to sell the vehicle to pay off the {$6000.00} dollars balance. THEY SOLD THE VEHICLE THEY NEVER EVER TOLD ME HOW MUCH THEY SOLD THE TOYOTA TACOMA XXXX FOR? THEY SENT ME A CHECK FOR ALMOST {$8000.00} DOLLARS AFTER THEY SOLD IT. 

I left it alone, on XX/XX/XXXX I found out that my Identity was stolen them I begin to search and request my XXXX Credit Free Annual Reports, this is when I begin to discover many issues in my Credit, from accounts that were not mine, alter Information, account balances that were not the correct one 's etc. 
them I discover that GMFinancial how Cynical they were after they knew I had a Verifiable XXXX Status they Punish me by declaring to the Credit Report Bureaus that my Account that I had with them they declared as a Charge Off/Paid THE CYNICAL WERE ABLE TO REPOSSESS THE VEHICLE, SOLD IT GOD KNOWS HOW MUCH AND RUIN ME WITH THE XXXX CREDIT BUREAUS, IF THEY SOLD THE VEHICLE AND PAY OFF THE BALANCE I LEFT OF {$6000.00} DOLLARS WHY? THEY HAD DECLARED AS A CHARGE OFF WHEN THEY GOT THE MONEY IN THEIR POCKET MAY BE EVEN MORE MONEY THAT WERE NOT RETURNED BACK TO ME. IN FACT I HAD MORE POWER OVER THE VEHICLE SINCE I HAD PAY THEM ALREADY {$41000.00}. 

My Problem is since they were not able to help me to remove the CHARGE OFF because they do n't want to, knowing that they sold the Vehicle pay off the balance I left out therefore there were not lost here. I am the one who lost the Vehicle, Lost Money during the sale of the Vehicle that GMFinancial did, without letting me know how much was the bill of sale until today is unknown, on top they put a derogative remark on my credit report with the Charge off. 

THIS IS WHAT I WOULD LIKE TO ACCOMPLISH WITH YOU, FIRST OFF THEY NEED TO RELEASE THE BILL OF SALE, HOW MUCH THEY SOLD THE TOYOTA TACOMA XXXX XX/XX/XXXX, I WOULD LIKE TO GET THE CHARGE OFF REMOVED, IS CREATING PROBLEMS TO MY CREDIT WHEN IN FACT THE ACCOUNT WAS PAIS OFF ALREADY WHAT THEY ARE DOING IS TO PUNISHING ME BECAUSE I GOT SICK AND BECAME XXXX, I AM XXXX INDIVIDUAL FOR LIFE, I FEEL PUNISH BY GMFINANCIAL, CAN YOU PLEASE HELP ME TO SEE IF YOU FIND ANY ISSUES AS FAR AS ABUSING THE CONSUMER OF VIOLATIONS TO CONSUMER LAW. 
I WANT TO GET A REFUND FOR THE MONEY THAT THEY DID NOT RELEASE TO ME, WHEN THEY SOLD THE VEHICLE, I BELIEVE THAT IS MY RIGHT TO KNOW HOW MUCH WAS THE EXACT AMOUNT THEY SOLD THE VEHICLE FOR, SINCE THEY PAID OFF THE {$6000.00} OF THE SALE OF THE VEHICLE IS FAIR FOR THEM TO REMOVED THE NEGATIVE REMARK IN MY CREDIT REPORT, THE 3 MONTH LATE WAS NOT INTENTIONAL.

Company response to consumer: Closed with explanation