Consumer complaint received 2025-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I contacted XXXX XXXX, XXXX XXXX about purchasing a XXXX XXXX XXXX. After some time we agreed on price and was told I would have to put money down in order to get financing and I agreed to put XXXX dollars down. I was told later that day that I was approved for financing and had two different terms. I was told if I got there warranty I would get a lower interest rate which is illegal practice and I declined the warranty. I called to set up date to drive the 3 hours to come sighn the paperwork and pick truck up and I was told they needed to get the deal done asap and would deliver the truck to me on Saturday XXXX XXXX. When the salesman arrived at my home with vehicle it had more rust on roof then in pics but I had already agreed to buying truck and I would take care of the repair. The salesman said they included the warranty at no charge but gave me no info or paperwork about the warranty. I signed one sheet of paper because the salesman did not bring all the legal paperwork to sighn and was told it would be emailed to me to look over and sighn. XX/XX/XXXX I was contacted by sales man and he stated that they now needed my pay stubs for the bank due to the truck had previouse structural damage or the financing would not be accepted which didn't make sense because we already secured financing before the truck was delivered according to the dealer and salesman. A few days went by and was told they changed banks again for the 4 time and they included the warrenty for the truck at no charge. XXXX XXXX was the last day I heard from the dealer and was told they were redoing the whole deal with new bank and terms, etc. I said okay just send me all the paperwork and contract to look over and approve and sighn and send back, after that I never heard back or was sent any final contract or paperwork to look over or sighn. Towards the end of XX/XX/XXXX I got a alert that a bcar loan was added to my credit report from GM financial but I had no idea of this loan as I was never told anything about it or given the paperwork to sighn with this bank and still never given warranty info, etc and nothing from the dealer. I contacted GM financial and explained all of this and asked for the contract that they said they have and I went ahead and made the first couple payments in good faith requesting all the paperwork and info with my signiture and the loan terms and interest rate because I was never told or given this information by the dealer. After I made 5 payments and still not received any paperwork, sales contract or warranty information from the dealer or the bank I told them I'm not paying anymore payments until we get a signed legal contract and the title as this was not ever advertised as a title loan. Over the next year I sent many emails to GM finicial and calls and to the dealer with no legal binding sales contract and explanation of financing with the terms and rate or warranty paperwork ever produced or with my wet signiture. I spent over XXXX dollars in repairs to the truck plus the XXXX down payment and the 5 payments made totaling over XXXX dollars and the repoed the truck a few months ago after I did not concent to them doing and created a breach of peace in doing so which is illegal. They since auctioned off the truck without legal procedures and notification and are now saying I owe XXXX dollars and reporting a closed report account stating I have a balance due of XXXX. Threre have been so many violations and laws broken and justice needs to be done because I am out a lot of money and cant get a loan for another vehicle with this on my credit report.

Company response to consumer: Closed with explanation