Consumer complaint received 2024-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: General Motors Financial Company, Inc.
State: LA

Complaint narrative:
This complaint actually involves a XXXX  and dealership and the finance company that financed the vehicle which is a XXXX XXXX XXXX XXXX XXXX. Which I would like to State first off that the day it was delivered to me I took notice of issues with it immediately. I also upon driving it to pick up my sister XXXX XXXX XXXX XXXX XXXX from the hospital I noticed that there it had issues and was jerking uncontrollably and dangerous ways among other issues that I immediately made note of and sent communication to the salesman XXXX at XXXX XXXX and GMC in XXXX XXXX. BESIDES THAT ISSUE NEVER GETTING RESOLVED TO DATE, I also have another main issue concerning my several requests either by phone call by text message or in person, to get a copy of all documents related to the transactions that took place on XXXX the XXXX of 2023 when I traded my current vehicle with title in hand and added cash paid via debit card for the XXXX XXXX XXXX XXXX XXXX, which as of the date of this complaint which is XXXX the XXXX of 2024 I still have not received not one paper of any kind from the dealership or the finance company and they both have been made aware that I never received any documentation regarding the XXXX XXXX XXXX XXXX XXXX. ( the dealership and salesperson being the one I've contacted the most about it ), I stopped communicating with Mr XXXX, the XXXX  at XXXX XXXX and GMC, that was able to address my special needs and provided assistance required to obtain a vehicle without being able to look at it, test drive it or do any means of negotiation, due to special circumstances with my sister and her illness, and in the current situation, leading to my inability to do these things, in regards that I traded my old car and gave cash for the XXXX XXXX XXXX, it was delivered to me and paperwork was signed before delivery via XXXX. I first attempted to go back on the XXXX through the link provided via email from XXXX XXXX and GMC of XXXX XXXX  and received a message each time I tried to access the documents and try to save them so that I can read through them because at the time of signing them I was rushed to do so due to the hour getting close to closing therefore I was unable to completely review the documents and gain the information that I understand now that I really needed to have. Since then none of the issues or complaints that I have had reached out to XXXX the XXXX  and the dealership as well as written statements and requests address to the owner/manager of the dealership and with the GM Financial who financed this vehicle for me. As of the last week of XXXX of 2024 I was placed under the impression through emails received from a customer supports specialist in the GM Financial department that my account was past due and that I had very limited time to make a payment of {$100.00} to bring my account from collections and back to current status I did this the following Saturday of communicating with the representative about this and also letting her know that I according to my remember my memory I had made all payments up until XXXX of 2024 and in XXXX of 2024 I made a partial payment of {$2.00} XXXX so amount of dollars however I was being told that I was put to collections because I had not paid since XXXX of 2023 which I have confirmation emails and other documents to prove that I did pay XX/XX/XXXX2023 and partial payment XXXX of 2024 however this was not addressed or a topic that was of concern with the representative and so to not have my account turned over to XXXX  status and to bring it back current so it would give me time to be able to try and find a way to remain current and take care of other financial responsibilities I had fallen delinquent on due to becoming the sole caregiver for my sister and her XXXX XXXX XXXX XXXX XXXX XXXX. However on XX/XX/XXXX2024 I received communications from a different representative with GM Financial and the email stated that I was {$470.00} behind again on my payments and that if the payment was not made within XXXX days that it would be turned over for XXXX  on XX/XX/XXXX2024 at XXXX a.m. I was awoke to noise outside my house and went to discover that my vehicle was being repossessed right then. I did receive notice of this after I sent an email inquiring as to how my vehicle was being XXXX  when I was still waiting response to what happened to me just bringing my account current and how it felt just a week later into a XXXX  status and how I was then late XXXX and got a response email from the original rep at GM Financial that I was speaking with up until this point and it said that I owed almost {$800.00} in late fees and that my vehicle was XXXX  I do not believe that this is fair actions I did not get any of my issues that not only did I communicate through email with GM Financial and I was supposed to mail in written request and inquiries and provided with them for them the reasons of my XXXX  of the last few months and request for assistance XXXX XXXX XXXX in any way that I was eligible for it or that could be done for me in my special circumstances nothing was resolved my credit has score has dropped tremendously I am working with all the other debts that I fell behind on during this time of caring for my sister and inability to maintain Financial stability and received little to no assistance information or help at all much less communication or responses and as I said I was my vehicle was taken and I was given until XX/XX/XXXX to come up with over {$1000.00} and then exactly XXXX days later come up with another XXXX in order to just retrieve the vehicle from XXXX  I was also informed that when I made this payment after communicating via email with the consumer specialist through the GM Financial XXXX  I was informed that when I made that payment that was supposed to have brought me current and fixed everything and took me out of collections in XXXX of 2024 that I actually had refinanced my loan but I was not told this I was made I was not giving any information concerning this I was not giving this as an option I was informed after the fact that that's what occurred I do not believe that these are fair practices I have yet to receive documentation of anything including the original financing loan and have asked for it more than once please help me to resolve this and in know my rights and thank you for your time I would be happy to provide any documentation that I have or can produce to back up my claims.

Company response to consumer: Closed with explanation