Consumer complaint received 2016-07-07
Company: General Motors Financial Company, Inc.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
GM Complaint In XX/XX/XXXX my husband and I copurchased a XXXX Cruze, financed it through GM Financial. No problems making payments until my husband was in a serious auto accident that laid an extra burden of high medical bills. I started missing payments and made them up as soon as I could. In XX/XX/XXXX it got to b too much to handle I needed to file bankruptcy ( in my name only ). My husband is on the car loan as a coborrower and he was not filing bankruptcy. I continued to make my payments to keep the car. It was our only means of transportation. Prior to this I was making my payments through the GM website or my online bank account. Once the bankruptcy was filed I could no longer access my GM account on line to make sure payments were being credited or not. XX/XX/XXXX, the bankruptcy changed from a Chapter XXXX, to a Chapter XXXX. The trustee returned all funds. Since I had extra money I paid two payments ahead. At least I thought I had. In XXXX XXXX, they repossessed the car. No notice not even to my husband. They stated due to bankruptcy laws they did not have to notify me or him even though he was the coborrower. We got the car back by paying XXXX. XXXX, towing and storage fees, and title reinstatement fees. I requested payment history from them. When I compared their history with my bank statements there are XXXX payments that were not correctly credited to my account. My payments are due the XXXX of the month. My XX/XX/XXXX payment was made on XXXX XXXX, XXXX. Through the website. Friday morning, I went to go to work and my car was not in my driveway. They had repossessed the car again. They said XXXX payment was not made. I looked at my receipt, noticed they had my bank account number wrong. I contacted them, went through several agents, said they would get back to me in an hour. This is 56 hours later, no response, no car and afraid that they wo n't work this out with me. It should have never gone this far. Please contact me and GM as soon as possible. In the first place there was missed payments, that was after the bankruptcy was filed and the statements stopped coming. True they were not allowed to send them to me, but my husband was on the loan as a co-borrower and never once called him or sent him notices at any missed payments. When I realized I missed one I would make it up as can be seen by the attached spread sheet. The amounts taken under the GM column are from their records, the amount in my column is from my bank statements. 
As also can be seen by the spread sheet is that the total I paid into GM financial is {$15000.00}, taken from my bank statements. According to their records they credited me with {$14000.00}. When I take my payment of {$400.00} x 30 months of the loan that comes to {$12000.00}. How can this be so far off? 



Again why did n't they inform my co-borrower that A ) the car was under a bankruptcy order, B ) payments are not being made would you please make them, C ) a repossession order has been placed do you want to pay to stop it? No correspondence at all until they repossessed the car. Then they tell him he can buy it back for {$12000.00} +. Or have to pay the difference if it sells for less than is owed

Company response to consumer: Closed with explanation