Consumer complaint received 2025-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: MN

Complaint narrative:
Dear Sir or Madam, I am writing to formally file a complaint regarding the unethical and potentially unlawful actions of GM Financial concerning my auto loan account. The issues involve payment misallocations, unauthorized transactions, and retaliation in response to my requests for access to personal data. Below, I outline the specific concerns : 1. Misallocation of Payments : On XX/XX/XXXX, a payment was processed from my account, which is on autopay, for the agreed monthly amount of {$800.00}. However, according to the transaction history provided by GM Financial, only {$67.00} was applied to the principal, while {$56.00} was attributed to interest. This allocation does not align with the terms of my loan agreement at a rate of 6.19 % APR, where the majority of my payment should go toward the principal at this stage of repayment. 
On XX/XX/XXXX, there was a blank entry in the transaction record, which I assume indicates that the entire payment was applied to the principal. However, the overall balance has not decreased significantly despite my consistent and timely payments, suggesting ongoing errors in the application of funds. 
XXXX. Unauthorized Double Payment : In XX/XX/XXXX, GM Financial withdrew a payment electronically from my bank account after I had already submitted a payment via check through XXXX XXXX. This unauthorized double withdrawal has not been refunded, nor has the duplicate payment been credited to my account balance. I have contacted GM Financial multiple times regarding this issue, and while they provided a payment history, it fails to reflect this double withdrawal. 
XXXX. Data Misuse and Retaliation : In XX/XX/XXXX, I discovered that GM Financial had been recording and sharing my driving habits, including conversations in my vehicle, with third parties such as XXXX. I received a consumer file from XXXX containing data such as my braking frequency, acceleration patterns, and other personal information. Upon requesting access to all my data from GM Financial, they failed to provide the requested information and have since retaliated by mismanaging my account, including unauthorized withdrawals and payment misallocations. 
Furthermore, the FTC recently announced a five-year restriction on GM Financial reporting data due to XXXX and insurance company issues. GM Financials continued adverse actions suggest ongoing non-compliance with federal regulations. 
XXXX. Lack of Transparency and Resolution : Despite my repeated attempts to address these concerns with GM Financial, they have failed to refund the unauthorized payment, correct the misallocated payments, or provide my requested data. This lack of accountability and transparency is unacceptable and violates my rights as a consumer. 

Conclusion : I am requesting the intervention of your office to ensure GM Financial adheres to all applicable federal laws and regulations. Their actions have caused me financial hardship, stress, and a loss of trust. If this matter is not resolved promptly, I am prepared to escalate the issue further, including legal action if necessary. 

Thank you for your attention to this serious matter. I look forward to your response.

Company response to consumer: Closed with explanation