Consumer complaint received 2016-07-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
GM Financial and I made an agreement for me to pay {$3000.00} on a Versa XXXX and the car payment will be settled. I felt the agreement would have brought me to a XXXX balance. I believe it is unfair when you pay a consumer based on agreement that both sides should be equally paid not leave a balance still on your credit report. I took on hardship to make sure I paid {$500.00} on time a month for six months to clear my name with GM Financial and make good to my debt. All I know is I tried to do right. 

We developed a trust relationship base on our agreement. The Versa XXXX was a difficult experience for me. I was struggling so bad being a Hurricane XXXX victim in XX/XX/XXXX and not benefiting from the funds given because I am single plus receiving a low paying job, I needed a car to better myself. Sometime, you made a choice that is difficult to hold your part of agreement with an organization. Even though, I do not drive this car, I wanted peace with this debt so I did what was agreed. It was bitter sweet making my last payment for my Versa XXXX but I wanted complete closure on something that stress me and created hardship for me. I call GM Financial Recovery and I spoke to XXXX. She gathered my information and stated that she would see if XXXX was available. I agreed. I was troubled when she came back and told me that XXXX was not available. I understood her response and explain to her that I promised XXXX that this last payment would be in at XXXX and I wanted to confirm what was told to me. XXXX informed me my title would be mailed to me within five to seven days and my credit report would show a change in 45 days. XXXX repeated things differently. She stated that everything completed will take up to 45 days. So, I asked her could she email me a letter explaining the process and showing completion on the agreement made concerning the Versa XXXX. She said, " No! '' I know my rights therefore I request to speak to her boss, " XXXX. '' She stated, " He was not in and she will have him call me tomorrow. Her tone was disrespectful and strong as she answered all my questions. She was also irritable as she closed her conversation with me. I apologized to her for getting on her nerve. Since, I was not closing my deal with the representative I been reporting to for six months, I was uncomfortable. When I hung up the phone, I felt hurt, upset, and disappointed. I felt my hardship was worthless with this agreement and not appreciated. I understand process and how it takes time but I just wanted confirmation that the payment was received and the information told to me was in writing. 
I decided not to talk or have any verbal conversation with anyone in GM Financial but write to management and let them know how I feel in writing. I am requesting in writing to receive a confirmation payment letter on the process of payment I had made XXXX XXXX, XXXX and procedures that will be taken since the agreement was complete. I truly appreciate GM Financial for giving me the opportunity to settle this debt. Most of all, realize paying what you owe is extremely important as well as your credit report number. Thank you for reading and listening to this letter. I know that management is extremely busy but I would greatly appreciate if you could honor my request.

Company response to consumer: Closed with explanation