Consumer complaint received 2026-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: General Motors Financial Company, Inc.
State: RI

Complaint narrative:
Subject : Urgent Complaint Improper Repossession, Refusal of Payment, and Lack of Notice by GM Financial Vehicle VIN ( partial ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing this complaint against GM Financial regarding the repossession and pending auction of a vehicle belonging to my deceased fathers estate. I am the legally appointed executor of the estate. After my fathers passing, I made repeated good faith efforts to maintain the account and prevent default by attempting to make payments. GM Financial refused to accept ongoing payments from me despite my attempts to keep the account current. Additionally, months prior to the repossession, I requested to be contacted by a manager at GM Financial to discuss the account and resolve the situation. I never received any follow-up or communication. The vehicle was subsequently repossessed without any prior notice to me as executor. As of today, I have not received any Notice of Sale, Right to Redeem, or any written communication advising me of the repossession timeline, my rights, or any pending sale. I have now been informed that the vehicle is scheduled to be auctioned within approximately 48 hours. This is the first notice I have received of any sale, which is clearly insufficient. Given that : - The borrower is deceased,- There is no valid or active address for the borrower, - I have been in active communication with GM Financial, - I am the executor of the estate acting in good faith, - GM Financial refused to accept payments, - My prior request for management contact was ignored,- And no notice has been provided to me, I am specifically disputing whether GM Financial complied with the requirement to provide reasonable authenticated notice prior to the disposition of collateral. I am requesting documented proof, not a verbal claim, of when and how any Notice of Sale was sent, including the exact date, method of delivery, and address used. The refusal to accept payments while simultaneously proceeding with repossession and scheduling an expedited auction has unnecessarily increased the financial harm to the estate. This vehicle is necessary for my ability to work and generate income, and the lack of notice and opportunity to cure the default is causing immediate and significant financial harm. I am formally disputing whether proper and commercially reasonable notice was provided prior to the intended disposition of this vehicle. I am requesting : 1. Immediate documented verification of any notice sent ( including date, method, and address ), 2. A copy of any Notice of Sale or Right to Redeem, 3. A clear explanation of my rights as executor to redeem the vehicle, 4. An immediate hold on any auction or sale activity pending full review of this complaint. Given the urgency and lack of notice, I am requesting immediate intervention to prevent the sale of this vehicle until this matter is fully reviewed and resolved. Sincerely, XXXX XXXX Executor of the Estate of XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation