Consumer complaint received 2024-06-23
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (MI)

On XX/XX/year> I traded in a XXXX XXXX XXXX, it was an early trade in I worked out with XXXX  XXXX because the XXXX was in and out of the shop since I bought it with an undiagnosable problem and multiple other issues and I didn't feel safe driving it. I was told would not pay for any of it and that it was taken care of. I made it very clear in my emails that if it was going to cost me I was not going to do it and keep the rental from gm until they figured out my car. I left that day thinking I was 100 % done with that XXXX. 

On XX/XX/year> I get a notification that I have a delinquent account from my XXXX, so I get up to check and learn my identity had been stolen. While looking at my credit report I see a GM Financial account that was in the red with {$590.00} to be exact, numbers matched up to my XXXX account. The following day ( XX/XX/year> ) while making calls about my credit and trying to figure out what was going on with that first I get a call from GM Financials Collection Department ( XXXX ). That man is stating that I owe them {$590.00} and that its on my credit already. I asked why they didn't send me a bill and he claims they did, I never received a bill. I stated and maintained XXXX  XXXX was taking care of that balance because I was told I wouldn't have to pay anything. He said I have to pay it and it can't be waived. I text a guy at XXXX  XXXX and they ask me to ask them what the bill was for and they said it was for residual value. I go back and fourth with XXXX  XXXX and end up calling back the same number ( XXXX ) and say I need to know exactly how they can charge that, not bill me and just add it to my credit and she then told me the charge wasn't for residual value but it was for excessive wear and tear and when asked how that happened on a car I could barely drive and that's when she tells me one thing they are charging me for is because the wrong tires were on it. I stated XXXX  XXXX or myself never touched the tires. They maintained the charge was legit. 

I go back and fourth with XXXX  XXXX again because Im not paying for tires when that XXXX is how it came off the line and I was also told me I wasn't going to have to pay anything. They are confused too and ask me to call them back and get the specifics on the tires. I then call back on XX/XX/year> ( XXXX ) and demand an itemized list of what exactly I'm being charged for as far as the excessive wear and tear. It's then the lady who I was speaking with says I'm not being charged for the excessive wear and tear, only residual value, she then does calculations verbally to make up whatever total she wanted to make sense. It is then lies to myself and my boyfriend and says she's looking at the inspection report and that I'm LUCKY that they aren't charging me for the wear and tear because then it would be over a {$2000.00} charge that I'd have to pay. I demanded to see an itemized copy because 1. Its on my account 2. The of the issues the car had from day 1 and I wanted to know exactly what else was wrong on it. She tries to say she can't give it to me and I tell her if it's attached to my account she will give me access to it. She eventually gives me a site where I can retrieve it and we hang up. 

I couldn't go to look at it right away but when I finally get to go get the inspection report, on page 3, it says total billable $ XXXX not over {$2000.00} like she tried to state. Her " little embellishment '' of the charges made things so much worse because of the constant struggle I had with that car. Made it seem like there was A LOT more going on than what actually was. 

But in all this ... turns out after a week of stress and crying that charge wasn't even supposed to be there. GM Financials story is whoever input the XXXX put the wrong tires into the computer and that's how I ended up charged and had to deal with all that stress. 

According to everyone I talked to, those calls were recorded.