Consumer complaint received 2022-07-23
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
The primary issue is the dealership : XXXX XXXX of XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ( XXXX ) XXXX I purchased a new car, a XXXX  XXXX XXXX on XX/XX/XXXX. They told me the car would be into the dealership in about a week. I agreed and filled out the paperwork. I was keeping my existing XXXX XXXX until I received the new suv. I had updates on XX/XX/XXXX, the XXXX, XX/XX/XXXX and XX/XX/XXXX that they still did not have the car. I was annoyed but understanding about the current vehicle situation. On Thursday XX/XX/XXXX I still did not have the vehicle and received a suspension notice from the state that my license would be suspended as I purchased a vehicle and it was not on my insurance. I called the state ( spent XXXX hours on hold ) and explained and they said that I should cancel the contract and start a new one once they received the vehicle. I called and spoke to my salesman and he said they would find me another car as mine was still not in the country. 

I also received a bill from GM Financial. I called GM Financial and they said that they work on the contract and have nothing to do with delivery. I asked to speak to a manager and she told me that I would have to return to the dealership to cancel the contract. I sent my sales rep XXXX a message and he said they would write me a check and then I could pay it. So I did that. 

I was sent a message on XX/XX/XXXX that they had a car for me. I said I couldn't get there until the XXXX but I would be in early afternoon to cancel the old contract and start a new. I received the car on the XXXX. I also had another bill delivered on the XXXX. I brought the bill in and said, Obviously they would have to pay this one as well as I only received the car that day. I was told that with the new contract, all of those bills would be resolved. I believed them. I was told I would receive a bill XXXX in the amount of {$700.00} as my first bill. 

I started receiving phone calls about past due payments on XX/XX/XXXX and I explained the situation. I asked to speak to a manager. He said he had no way to tell me which car we were discussing as there is no color or VIN in the paperwork at GM Financial. I called the dealership and was told that it takes a few weeks for the paperwork to catch up. 

On XX/XX/XXXX, I received another phone call about a payment being past due. I then had a mark against my credit ( my credit scores were XXXX, XXXX, XXXX ) and I texted and called my salesman. On the XXXX of XXXX I received another letter for {$930.00}, I sent them a picture and he said his manager already spoke to GM Financial.I called GM Financial and spoke to the manager XXXX XXXX ( XXXX ) XXXX. He opened an investigation. I have never heard from him again. I sent messages every few days. I spoke to XXXX 's manager and he said he would take care of all of this.

I sent multiple messages and received no real answers. My credit score has dropped from XXXX to XXXX. I am afraid I will lose my car but I will not make 2 payments for a car I didn't have. I worked hard on my credit score for 8 years to have them destroy it because of incompetency. I spoke to another manager today from GM Financial and he told me that they never changed the loan itself. They updated the VIN number and nothing else, leaving me stuck with two payments for a car I didn't have and lapsed service that are forwarded 2 months into the future.

Company response to consumer: Closed with non-monetary relief