Consumer complaint received 2025-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
CFPB COMPLAINT AGAINST GM FINANCIAL Consumer : XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX Company : GM Financial Account Reference : Ending in XXXX Vehicle : XXXX XXXX XXXX XXXX XXXX : XXXX Complaint Narrative I am filing this complaint due to multiple unlawful and deceptive actions committed by GM Financial related to my auto finance agreement for a XXXX XXXX XXXX XXXX ( XXXX XXXX ) under account ending in XXXX. 
XXXX. Unlawful Repossession and False Reporting GM Financial repossessed my vehicle despite unresolved disputes, then falsely marked the account as paid off. Following this, the company sold or transferred the debt to a third party without proper notice, in violation of UCC 9-6099-616.

GM Financial also transmitted a false debt cancellation record to the IRS, triggering an IRS-assessed balance of {$2800.00} that was never owed by me. 
XXXX. Verified IRS-Confirmed Harm As a result of GM Financials reporting : IRS Notice XXXX ( XX/XX/XXXX ) shows that I was billed {$2800.00} for alleged income that came from GM Financials false cancellation of debt. 


IRS Notice XXXX ( XX/XX/XXXX ) confirms that the IRS seized that amount from my XXXX refund. 


IRS Notice XXXX ( XX/XX/XXXX ) admits the IRS made programming and data transfer errors affecting XXXX reporting. 


Together, these notices prove that GM Financials false and deceptive reporting caused a real financial loss. 
XXXX. Failure to Disclose Finance Charges and Insurance Costs GM Financial failed to disclose mandatory insurance premiums as part of the finance charge, while simultaneously requiring me to maintain a separate insurance policy as a loan condition. 
This omission violates the Truth in Lending Act ( 12 CFR 1026.4 ), which mandates full disclosure of all costs included in the credit extension. Because the finance charge was incomplete, I am exercising my Right to Rescind under 12 CFR 1026.23. 
XXXX. Retaliation and Account Access Interference After I filed a dispute with the credit bureaus regarding GM Financials deceptive and inaccurate reporting, GM Financial retaliated by : Unlinking my online account, Forcing my profile into paperless mode without my consent, and Blocking access to my payment and billing history. 


These actions constitute retaliation and obstruction, violating 15 U.S.C. 1681s-2 ( a ) ( FCRA duties for accuracy ) and 15 U.S.C. 45 ( a ) ( unfair or deceptive acts under the FTC Act ). 
XXXX. Violations of Federal Law GM Financials conduct constitutes violations of : Truth in Lending Act ( TILA ) : 12 CFR 1026.4 and 1026.23 nondisclosure and rescission rights. 


Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 furnishing false and unverifiable information. 


Uniform Commercial Code ( UCC ) : XXXX unlawful repossession and lack of post-sale accounting. 


FTC Act : 15 U.S.C. 45 deceptive and unfair trade practices. 


IRS Reporting Law : 26 U.S.C. 6050P false cancellation of debt filing causing IRS harm. 


XXXX. Harm Suffered Financial loss of {$2800.00}, as confirmed by IRS notices. 


Credit score damage from inaccurate tradelines. 


Emotional distress and hardship caused by data manipulation and retaliation. 


Loss of federal tax refund due to false reporting. 



Requested Resolution Full rescission of the finance contract under TILA 1026.23. 


Refund and restitution of {$2800.00} for the IRS-related harm.

Permanent deletion of all related tradelines from Equifax, Experian, and TransUnion.

Written confirmation of lien release and rescission acknowledgment.

Correction of all IRS and CRA data reporting linked to this false cancellation of debt.

Cease and desist all further collection, data furnishing, or third-party sale activities. 



Evidence and Attachments Exhibit A : IRS Notice XXXX ( XX/XX/XXXX ) {$2800.00} Tax Liability Created. 


Exhibit B : IRS Notice XXXX ( XX/XX/XXXX ) {$2800.00} Refund Offset. 


Exhibit C : IRS Notice XXXX ( XX/XX/XXXX ) IRS Admission of Reporting Error. 



Declaration I certify that the above information is true and accurate to the best of my knowledge and that the supporting IRS documentation is attached as evidence of financial harm caused by GM Financials unlawful and deceptive actions. 
Signed, XXXX XXXX

Company response to consumer: Closed with non-monetary relief