Consumer complaint received 2025-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: General Motors Financial Company, Inc.
State: KY

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX publicly advertised a XXXX XXXX XXXX XXXX for {$49000.00} with 48,331 miles. This was also the date the vehicle was titled and registered at that mileage. 
Just nine days later, on XX/XX/XXXX, the same vehicle was re-titled and re-registered with only 13,559 miles, which triggered a title flag for odometer rollbackclearly documented on the vehicle history report in red/yellow warning format. 
The mileage was then altered again, this time raised to 48,326 miles, which is still five miles fewer than the original 48,331 miles. 
On XX/XX/XXXX, we unknowingly purchased this same vehicle from XXXX XXXX XXXX XXXX ( now known as XXXX XXXX ) for approximately {$45000.00}. We made a {$20000.00} down payment in cash and were told wed be receiving affordable financing. Instead, were facing a total payout of over {$70000.00} for a vehicle now worth less than {$25000.00}. We have now learned that the {$20000.00} was possibly mishandled. 
Shortly after purchase, the vehicle broke down due to transmission issues and then went in for repair of a recall on the clutch pressure plate. It remained in the shop from XXXX to XXXX XXXX, during which time no rental or support was offered until XXXX XXXX intervenedresulting in a rental for only the final 710 days. We now realize that because our vehicle is a XXXX  year It is actually a part of a private program called XXXX XXXX or XXXX XXXX  and this specifically puts it in a special category with special expectations which is why they were able to get us a rental just one day after contacting corporate. 
All purchase documents ( contract, odometer disclosure, bill of sale, and title registration ) list the mileage as 48,424, while the actual issued title states 48,326a critical discrepancy that should invalidate the contract under odometer fraud statutes. 
The title assignment was left blank, and the listed lienholder is XXXX, a defunct company. We make our payments to GM Financial, who will not pause or investigate the loan unless contacted by an attorney, which we can not currently afford due to lack of specialized local representation. 
We were also forced to sign documentation stating we received two key fobs, but were only given one. Multiple requests for the missing fob have been ignored. 
In addition to the possible misapplied down payment and the already-documented odometer inconsistencies, we have growing concerns regarding successor liability. Although the original dealership has declared bankruptcy, the new dealership that took over the same location is operating under a different name but with the same inventory, same employees, and same operational structure. From what we've learned, if we had legal representation, we could likely argue that the successor company has assumed liabilityparticularly given that it acquired the assets for well below fair market value ( {$420000.00} ), which may indicate a fraudulent transfer intended to avoid existing obligations. ( Classified in the newspaper as an '' asset sale. '' I believe that any and all correspondence may be disregarded or discarded under the pretense that the business is no longer active, despite the reality that the same individuals are still profiting and operating under a different business name.

Following the second letter we received from the attorney generals office noting that the dealership had still not responded, we pursued further action and filed an official police report with the XXXX Police Department. 
On the most recent attempt to bring our vehicle in for a routine oil change ( mid XXXX ), we were informed that would be our last service we would be able to use there. This happened in person on a Saturday, and no written explanation was provided. Given the vehicles extensive issues and the fact that its still under warranty, this abrupt refusal of service is deeply concerning and feels retaliatory, especially considering the ongoing complaints and investigations. 

After being informed that we could no longer bring our vehicle in for servicing, I took time over the weekend to compare our physical service records with the entries listed on the dealerships website and Jeeps official service history. 
In doing so, I discovered a clear discrepancy in the reported mileage. Below are the service dates and corresponding odometer readings as currently shown in Jeeps online records : XX/XX/XXXX : XXXX Miscellaneous Service XX/XX/XXXX : XXXX Water Pump Repair XX/XX/XXXX : XXXX Diagnostic Inspection XX/XX/XXXX : XXXX Oil/Lube XX/XX/XXXX : XXXX Vehicle Inspection XX/XX/XXXX : XXXX Oil/Lube XX/XX/XXXX : XXXX Tire Rotation & Inspection As you can see, the XX/XX/XXXX entry ( 61,992 miles ) lists a mileage lower than what was recorded back in XXXX ( 61,998 miles ). 
This inconsistency went completely uncorrected in the dealerships service logs and adds to our growing concerns. 
This information does not match our physical paper records that I have continued to save. 
Interestingly, shortly after accessing the dealerships site, I was contacted by someone from the new dealership asking if I was looking to trade in my vehicle. When I asked whether they accept trade-ins on vehicles with documented odometer rollbacks, the representative stated they would not to which I responded, But youll sell them to consumers? She insisted they had not sold me a vehicle with a rollback, claiming she had only been there since XXXX and wasnt involved. 
We've now received two different correspondents in the form of a text message and a voicemail informing us that we had positive equity in our vehicle and they were wondering if we would bring it in and have them look over it for a trade in. This is absolutely false I can positively say there is not any positive equity in this vehicle whatsoever. 
Not long after that phone call, I received a follow-up text message from the dealership asking for the VIN number so they could try to get this handled. I let them know weve tried to work with them for nearly a year and only involved authorities and outside agencies after our repeated requests for help were ignored. Weve never been unwilling to resolve this. The refusal to address the issue has come entirely from their side. 

We truly appreciate your time and your efforts in helping us pursue justice in this matter.

Company response to consumer: Closed with explanation