Consumer complaint received 2025-06-12 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:
I am submitting this formal complaint regarding GM Financial and their ongoing pattern of deceptive billing, unexplained balances, unauthorized transactions, and refusal to provide contractually required documentation. 

Summary of Issues : XXXX. Missing Payment Record : On XX/XX/year>, I issued a check for {$700.00} to GM Financial for my XXXX payment. This payment exceeded my required monthly amount of approximately {$650.00} and was intended to both cover the current month and apply toward principal. 
On XX/XX/year>, I received a paper statement that reflects no record of this {$700.00} payment. There is no updated principal balance, and no transaction details are listedjust a {$0.00} due amount. 
XXXX. Unexplained Unpaid Interest Balance : The statement arbitrarily includes an Unpaid Interest Balance with no explanation, context, or origin. 
I have asked GM Financial to show where this interest is accruing from, especially since I have been consistently paying on time or earlyand often above the minimum amountevery single month. 
The interest is neither accounted for in my contract nor disclosed in any clear way on my statements. 
XXXX. Unauthorized Duplicate Withdrawal : GM Financial withdrew a double payment from my account, which I caught. They reversed it and claimed it was an oopsie, but no formal explanation or correction record was ever provided. 
When I reviewed my transaction history, it did not add up after the reversal. No corrected or comprehensive transaction record has been provided, only links to digital portals that require accepting new terms and conditions, which I refuse to do. 
XXXX. Lack of Access to Records : I have repeatedly requested : My full original paper contract, An itemized payment history, A breakdown of how interest and principal are applied each month, A list of third parties with whom my information has been shared ( including XXXX and XXXX ). 
GM Financial has failed to deliver any of these. Instead, I receive digital links that require me to agree to updated terms not present in my original agreementsomething I will not do. 
XXXX. Deceptive Paper Statements : Even when I request paper copies, I receive documents that are confusing and lack transparencyincluding the most recent statement dated XX/XX/year>, which is missing transaction details entirely on the reverse side. 

Background : I was on automatic payments until becoming a victim of identity theft. 
Since then, I have taken manual control of my payments to maintain full oversight, and I have never missed or been late. 
XXXX XXXX records do not reflect this accuracy, and I believe this is either negligent or intentional manipulation to distort my account status and avoid accountability. 

My Request : I respectfully demand : XXXX. A complete, itemized transaction history from the beginning of the loan to present. 
XXXX. An explanation and removal of the Unpaid Interest Balance if it can not be justified under my original contract. 
XXXX. A paper copy of the full original loan agreement. 
XXXX. A full disclosure of data-sharing with XXXX, XXXX, or any third party. 
XXXX. A formal investigation by the OCC, CFPB, or FTC into XXXX XXXX billing practices Final Note : I am not looking for generic responses or apologies. I am demanding my legal right to clear and accurate financial records under federal law. XXXX XXXX pattern of behavior is not just confusingits deceptive, unaccountable, and potentially criminal. 

If the OCC, CFPB, or any consumer protection agency chooses not to act, then I respectfully ask : What is the purpose of these institutions? 

I have provided documentation, made all required payments, and followed every proper step. The burden should no longer be on me to prove that something is clearly wrong. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, MN

Company response to consumer: Closed with explanation