Consumer complaint received 2023-04-12
Company: General Motors Financial Company, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XX/XX/XXXX, XXXX XXXX XXXX sold to my ex-husband, who is not a US citizen, from XXXX  XXXX XXXX XXXX XXXX after denying to sell me a new XXXX XXXX. I was denied due to insufficient credit and low income. I was told that i did not make enough money to afford the car payments. I was adamant that i did not want the XXXX, as it had a low depreciation value and not what i wanted. i was informed by the dealership that, even though we were not married at the time, i had to sign the paperwork to ensure that i could contact the finance company if there were any issues with the car loan, as my ex husband was not a citizen and he had to go out of the country to visit family, etc. I did not question this as i had done it before, numerous times, with my previous husband, who was a servicemember. My ex husband made over $ XXXX. I made $ XXXX and had 3 children and 1 grandchild i was responsible for. 

XXXX, XXXX my ex husband lost his job, leaving the responsibility of the {$620.00} car payment squarely on me. 

XXXX XXXXGM Financial started calling me in regards to the late/missing car payments. i started asking them why they were calling me and not my ex husband, as he was owner of the vehicle. Their response to me was that they could not reach him and that's why they were contacting me. From there, i paid what i could, as, again, at that point, im now supporting a family of 6, on a salary of $ XXXX, and paying rent in 2 different states, for a vehicle that i NEVER wanted, stated i did not want, and never knew that i had signed into a binding agreement for. 
XXXX, XXXX, GM Financial calls me and asked me what my intentions were for the car. i stated that i was going to sell the car. By then, the car payments were almost 2 months behind and i was living in OH. That night, with no warning, GM had the car repossessed. The next morning, when i noticed the car gone, i called the police and reported it stolen. The police contacted me back and told me that it had in fact been repossessed. As soon as i informed GM my intentions for the car, they repossessed it. .When i called them to inquire why didn't they allow me to turn the car in when i asked months prior, they stated that i could get the car back if i paid what i was overdue, plus the repossession fees. i declined. i received a letter almost a month or so later, informing me of an auction, and what i could do to stop the auction. i did nothing to stop the auction. 

During this time, my ex husband received no notifications/calls from GM Financial in regards to this. i believe GM did not bother reaching out to him in regards to this debt and saddled me with it because he was not a US Citizen. i also believe both GM and the dealership conspired against me to make this sell, due to this same reason, even though the dealership had already admitted to my not being able to afford a car payment of over {$500.00} due to my credit and familial obligations. 

When GM first reported this debt on my credit report after the repossession, they reported it with a balance of {$0.00}. In late XXXX, they changed that balance to {$13000.00}, after i purchased another vehicle.

Company response to consumer: Closed with non-monetary relief