Consumer complaint received 2026-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
Complaint : I am filing this complaint regarding an illegal and abusive repossession of my vehicle, along with deceptive lending practices, improper contract handling, and potential violations of federal and state consumer protection laws. On [ INSERT DATE ], my vehicle was repossessed in a manner that I believe violated both Tennessee law and federal consumer protection standards. 1. BREACH OF PEACE DURING REPOSSESSION The repossession agent acted aggressively and threatened me while I was physically present at the vehicle. I was told that if I did not comply, I could be harmed. Under UCC 9-609, repossession is only lawful if it is conducted without a breach of the peace. The use of threats, intimidation, or force makes the repossession unlawful. Because threats were made, this repossession was improper and illegal, and may constitute wrongful repossession and misconduct by both the agent and the lender. 2. FAILURE TO PROTECT PERSONAL PROPERTY At the time of repossession, all of my personal belongings were inside the vehicle, including clothing, personal items, and important work-related materials. I have a legal right to retrieve my personal property. Any delay or refusal to provide access to these belongings is unlawful and creates additional hardship. 3. DECEPTIVE LENDING PRACTICES/ MISREPRESENTATION At the time of purchase, I was told that a {$1500.00} down payment was required by the bank, which I now believe was a misrepresentation. I have reason to believe : The down payment was not actually required by the lender The financing terms were not clearly or accurately disclosed This raises concerns under the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) and constitutes a potential unfair, deceptive, or abusive act or practice ( UDAAP ). 4. IMPROPER CONTRACT TRANSFER & UNAUTHORIZED PAYMENT CHANGE My loan was later transferred to another company without proper explanation or disclosure. After this transfer : My monthly payment was suddenly increased from approximately $ XXXX to {$980.00} I was never provided with new contract terms I was never asked to review or sign any updated agreement No one sat down with me to explain any changes to the terms of the loan This raises serious concerns that : The loan terms may have been altered without my consent Proper disclosures were not provided as required by federal law The servicing transfer may have been mishandled This may violate federal consumer protection laws, including requirements under the Truth in Lending Act and servicing regulations requiring transparency and accurate disclosures. 5. POSSIBLE IMPROPER ACCOUNT HANDLING / REPOSSESSION I was not clearly informed that my vehicle was actively subject to repossession at that time, and I had communicated with the company earlier that same day. This raises concerns about improper account handling, lack of proper notice, and whether the repossession was conducted prematurely or without proper review. 6. UNREASONABLE REDEMPTION DEMAND & REFUSAL TO NEGOTIATE After the repossession, I was informed that I would be required to pay approximately {$3100.00} to retrieve my vehicle. When I attempted to discuss options or negotiate a resolution, I was told that no negotiation would be allowed. I was not provided with a clear breakdown of how this amount was calculated. This is especially concerning given that I am a federal government employee currently experiencing financial hardship, and the company refused to offer any flexibility, assistance, or reasonable repayment options. This behavior appears to be unfair, excessive, and abusive, and raises serious concerns about the legitimacy of the charges being demanded.

Company response to consumer: Closed with explanation