Consumer complaint received 2024-03-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: General Motors Financial Company, Inc. (KY)

I am being charged for a 2024 vehical which I did not knowingly purchase. Myself and my wife stopped at the XXXX XXXX car lot in XXXX Ky. We looked at a truck that I was interested in and tried to get the finance department to tell me what interest rate I was going to be charged. He kept changing the subject and telling me he would have to run it through the bank to get the actual numbers. Through out the day I spent at the car lot the finance guy had me sign several papers which he gave me copies of. None of them hade any numbers on them. He had me sign my XXXX XXXX as he called it on a tablet and told me that it was the way they did that part now. I once again ask if that had my interest rate on it. He said no but that it was what I had to sign to give them the right to run my credit through the banks to get my actual interest rate. He then ask if we could go home and get my truck that I was wanting to trade in. My wife clearly ask the finance guy if he would have the rest of my paperwork ready for me to sign when we got back. He told her that once we returned with my trade he would have all the paperwork ready for me to sign. He said that all we liked was having my truck there for them to look at to be sure it was what it was supposed to be. We went home and got my truck to take back to XXXX. Between the time we left and returned they called me 4 times and text me 2 times to see if I was coming back. After I returned I gave them the keys to my truck so they could look at it. We sat there for a while and I started walking around when a guy came up to me and started telling me what he had found wrong with my truck. I told him I was aware of the issues with my truck and I had made sure the other people I had been dealing with was made aware of it before I agreed to go home and get it. I let him know I would gladely take it back home. I picked up my keys and started out the door. The salesman and the finance guy walked between me and the door. at which time they started both talking. They first started telling me that I had made the deal and everything was just as we had descused before I left to go after my truck. I countenusly ask about my interest rate. I kept asking where the rest of my paperwork was. The finance guy kept saying, Ser you already finished that we did that before you left. I kept telling him I never saw or sighned anything with a interest rate on it. He kept saying I was getting what we agreed on. I kept telling him I never agreed to anything and never saw any numbers on paper. They kept trying to tell me and my wife that I had made a deal with them and I was getting the numbers we had descused. I tried to tell my wife and them we hadn't ever went over any numbers. They kept saying things like take the truck and if you don't like it bring it back. After several minutes of this I started to get a little loud and they started trying to tell my wife that we had completed all the paperwork and they were giving me everything we had agreed on untill they got my wife started asking me to just take the truck. I told the finance guy that I would drive the truck but I would be bring it back because of the paperwork we still hadn't completed. Again he tried to tell me we had but I reminded him I had not seen nor signed anything with a interest rate. I drove the new truck to my house. I called the finance guy to see when he wanted me to come back but he would not answer my calles or return my text. I did speak to him once on the phone between when I drove the new truck to my house and back to the dealership in XXXX. I tried to talk to him about my paperwork, at which point he began to yell at me and tell me that he deared me to try and bring the truck back before hanging up on me. I called the dealership to try to talk to someone else and was told that no one there was able to tell me about the deals he was doing. So I ask when he would be avalible and was told Wendsday the XXXX. I went back to XXXX on the XXXX only to be told several different reasons why the person I was needing to speek with wasn't there. After which several different people there tried to talk me into just taking the new truck home and be happy wih what I got. I have worked for the last 30 years to make my credit the best I could by paying my bills and never missing payments. I let the finance department know that I had walked away from a deal on a truck in XXXX Ky because they were trying to charge me a high interest rate. I told him I would do the same thing there when I first sat down. I did not nor would I have ever agreed to a high interest rate. I made it clear to him that I got a 4.6 % on a used vehicle and I expected better than that on a new one. I have tried to contact them several times with no responce.