Consumer complaint received 2024-07-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: General Motors Financial Company, Inc. (FL)

Purchase of Vehicle : Date : XX/XX/XXXX Vehicle : Used XXXX XXXX XXXX XXXX Dealership : XXXX XXXX XXXX Details : I purchased a used XXXX XXXX XXXX XXXX from XXXX XXXX XXXX. At the time of purchase, I was provided with a contract ( referred to as the " Dealer Contract '' ) which included wet ink signatures. 

Discrepancies Noted : Date of Discovery : XX/XX/XXXX Details : I received a different version of the contract ( referred to as the " XXXX Contract '' ) from the bank ( lender ). Upon comparing both documents, I identified several discrepancies between the " Dealer Contract '' provided by the dealership and the " XXXX Contract '' provided by the bank. 

Key Discrepancies : Total Predelivery Service Fee : Dealer Contract : {$890.00} XXXX Contract : {$1200.00} Difference : {$320.00}, suggesting potential financial deception. 
Electronic Signature Clause : Dealer Contract : Not present. 
XXXX Contract : Present at the bottom of the page. 

Signature Discrepancy : Dealer Contract : Contains original wet ink signatures. 
XXXX Contract : Electronically signed, the ink signature is missing in the Dealer Contract. 

Suspected Forgery : The signatures in the XXXX Contract appear to be forged or altered without proper authorization, as indicated by the discrepancy in signature types ( electronically signed vs. wet ink signed ). 

Dealership Visit : Date : XX/XX/XXXX, around XXXXXXXX XXXX Details : I requested a copy of EVERYTHING that has my signature regarding the entirety of the transaction. The GM returned XXXX minutes later with a folder containing approximately XXXX pages of their " file. '' The sales advisor was present for this conversation. The GM assured me that EVERY SINGLE document with my signature was provided in the files he handed me. At no point in those XXXX minutes did he or his team ask why I was not in the XXXX they sold me just days ago. 

Discrepancies Noticed Upon Review : The documents I received on XX/XX/XXXX, were only XXXX pages. The documents provided by the GM on XX/XX/XXXX, included additional documents I had not received at the time of purchase, suggesting missing documents and potential alterations. 

Return Visit to Dealership : On the same day, around XXXXXXXX XXXX I returned to the dealership to speak with the GM. His staff informed me he had gone home for the day. I insisted they contact him, and eventually, he returned to discuss the discrepancies. 
GM 's Response : The GM again stated he had provided me with everything that had my signature. When I questioned the discrepancies, he called the finance director. During this conversation, I observed the GM and the finance director moving my wallet to access my original documents, which I had intentionally closed and placed my wallet on top of. 

Further Issues Identified : Date : XX/XX/XXXX Details : I contacted the lender to request a copy of the contract, as I had not received any documents from them. Upon receiving the contract from the lender, I discovered that it was a fabricated document with electronic signatures, not the wet ink signatures present on the contract I signed at the time of purchase. 

Follow-Up with Dealership : Date : XX/XX/XXXX XXXX : I confronted the GM about the fabricated contract. The GM blamed the lender, stating that the lender converted the contract into a digital version. I identified XXXX alterations between the authentic contract and the fabricated contract provided to the lender within a minute or XXXX as the GM followed.

Additional Discovery : During a review of documents, I found a document with the offensive term " XXXX XXXX '' generated by in-house personnel. This further highlighted the unethical and discriminatory practices of the dealership.

Impact and Issues : Vehicle Condition : The vehicle has been in the shop since XX/XX/XXXX, due to a necessary rear-end replacement. 

Financial Stress : The discrepancy, forgery, and the need for a significant repair have caused considerable financial strain. 

Mental Exhaustion : The ongoing issues and discrepancies have led to significant mental exhaustion and inconvenience. 

Fraudulent Document : The fraudulent document held by the lender, which differs from the original, has exacerbated these issues. 

Discrimination : As a XXXX individual with a partner, the discriminatory term used in the document was degrading to my rights and dignity, constituting a serious violation of my civil rights and creating an extremely hostile environment. 

Critical Concern Fabricated Document Created After Contract Execution : Importance : It is of critical importance to understand why a fabricated document was created after the contract was executed at the time of purchase. This fabricated document is not only a breach of trust but is also meant to deceive and defraud multiple parties : The Government : Potential tax evasion or underreporting of financial transactions. 

The State : Misrepresentation in official records and potential violations of state laws. 

The Purchaser ( Me ) : Financial deception through inflated fees and altered contract terms.

The Lender : Misleading financial information that affects loan terms and security interests.

Federal and State Statutes Violated Federal Trade Commission Act ( 15 U.S.C. 41-58 ) : Prohibits unfair or deceptive acts or practices in or affecting commerce.

Truth in Lending Act ( TILA, 15 U.S.C. 1601 et seq. ) : Requires clear and accurate disclosure of terms and conditions of financing.

Florida Deceptive and Unfair Trade Practices Act ( FDUTPA, Fla. Stat. 501.201 et seq. ) : Protects consumers from unfair methods of competition, unconscionable acts or practices, and unfair or deceptive acts or practices in the conduct of any trade or commerce.

The Equality Act prohibits discrimination based on XXXX, XXXX orientation, and gender identity in areas including public accommodations and facilities, education, federal funding, employment, housing, credit, and the jury system. 

Attempts to Resolve I asked several times for XXXX XXXX XXXX to accept responsibility and to release me from financial liability, in whatever means that would have taken. To date, the dealership has yet to reach out or offer a satisfactory resolution to this complaint.