Consumer complaint received 2017-07-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (NY)

The following description is directly copied from my  XXXX  review of GM Financial, with the events taking place between  XX/XX/XXXX and   XXXX   XXXX  , 2017.
TOTAL, ABSOLUTE SCAM.
Beware of leasing with these people. They will rip you off big time for " damages '' when you return the vehicle. My dad just had his lease end inspection for a   XXXX   XXXX  . The car had only  XXXX  miles in 3 years, with a small front bumper crack, light paint scratching around the bottom, and a tiny dent smaller than a credit card near the bottom of the rear door. I am including the pictures they themselves took of this damage and other views as well. It also had all original parts, which was the first thing the inspector asked about. We fully expected the charge to be  XXXX , if not a thank you for taking such good care. They charged him nearly {$1200.00}. TO PUT IT INTO CLEAR PERSPECTIVE, THEY CHARGED HIM FOR A COUPLE OF DINGS AND SCRATCHES AROUND 10 % OF WHAT THE WHOLE CAR IS WORTH USED. From their inspection photos, categorized from normal to excess wear, you can tell exactly what their billing trick is to get to this obsurd 10 % -- they take the most tiny specks, invisible from 20 feet, and call it normal, to throw you a peace crumb, anything above that gets jacked up on steroids to compensate them many fold for the crumb they gave you. When I called them all I got was basically talking points mumbo jumbo. Their first talking point is a mis-direction of semantics, insisting " the charge is not a BILL, it 's for damages you caused, and charges will be adjusted if YOU go and fix it ''. First of all, we already knew it 's not a regular bill, just a bogus charge for not bringing it back in showroom condition. Second of all, he 's already paid you for normal wear and tear ON THE LEASING BILL he 's been paying you for 3 years, AT A RIP OFF RATE OF {$250.00} A MONTH, for a   XXXX  ! Their second talking point is simply " I 'm sorry you feel that way '' which is robotically repeated over and over, because it 's standard tripe for when you 've ripped someone off and the person is not happy. They 're SO VERY VERY sorry. There was a third obnoxious talking point that I forget, but the point is you ca n't really reason with them because their reps, like the cable reps and insurance reps we 're all used to, are drones trained to deflect valid points ( and insults thereafter ) with standardized, jargon filled runarounds, not to offer fair resolutions. My dad is   XXXX   years old, it was his final car, and they knew that he was n't a returning customer anyway, so they felt they could take advantage. They forgot about me though, I will never lease or buy a car from GM ever again. At   XXXX   miles ( 1/8 the average ) they will resell it at premium price. But it 's NOT ENOUGH for them, they had to cheat an  XXXX  year old recent widower. This is how they said goodbye to him and thanked him for his business, over a couple of dings and scratches. So morally bankrupt they did n't even have the decency to call back and try to resolve it after seeing how upset he was on the phone. WHAT I STRONGLY SUSPECT IS HAPPENING IS THAT THEY 'RE MILKING THE VULNERABLE TO SUBSIDIZE FOR LOSSES ELSEWHERE, AND AN OLD MAN WITH A  XXXX  MILE VEHICLE FOR THEM TO AUCTION IS JUST EASY PICKINGS. A disgrace on a once proud American brand, one that now bombards us with cheap ads of " real people '' so agog over the cars you 'd think they 'd never seen one before. Maybe their corporate greed stems from the fact their sales are n't moving and stock price is totally stagnant, and they 've forgotten the lesson ALREADY that a culture of gouging and defrauding customers, such as with the ignition switches, eventually gets you to a VERY bad place, and then you come to D.C. in a private jet, to the very tax payer you 've been mistreating, hands out for a government bail out. Corporate thugs, shuysters,  XXXX , back to their old tricks! Hit 'em where it hurts, AVOID.