Consumer complaint received 2025-07-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
Since leasing my XXXX XXXX XXXX ( VIN : XXXX ) on XX/XX/XXXX, I made 40 consecutive paymentsone more than requiredsatisfying the full lease agreement. Despite this, GM Financial repossessed the vehicle on XX/XX/XXXX, without any notice, court order, or valid basis. 

On XX/XX/XXXX, I made a final payment of {$530.00}, exceeding the total obligation. GM Financial later fabricated a monthly payment of {$500.00} to justify an alleged balance of {$920.00}, which included a {$390.00} disposition fee, {$430.00} manual retrieval fee, taxes, and {$37.00} for mileage overage. These charges were never agreed to and were not disclosed in advance. 

Despite fulfilling the lease, GM Financial : Falsely reported the account as open with a balance Submitted inconsistent lease start dates to XXXX XXXX XXXX XXXX Claimed I was 54 days late as of XX/XX/XXXX Continued to verify false credit data, including during two separate ACDV cycles Never updated the tradeline to show 40 of 39 payments, a positive credit indicator Refused to furnish post-sale accounting, violating Regulation M and the Truth in Lending Act ( 15 U.S.C. 1605, 1662 ) When I contacted GM Financial 's executive office, XXXX, a senior rep, confirmed on a recorded call : Yes, XXXX, you had a great lease with us. You made all your payments with no late payments. 

The vehicle was not repossessedit was a manual retrieval. 

We dont consider the car yourseven if the lease was paid off. 

If we have to manually retrieve the vehicle, were going to pass that cost onto you. 

I asked why I received no prior notice or appraisal, no redemption opportunity, and no legal documentation. No explanation was given. 

In one of our recorded calls, GM Financials representative XXXX confirmed the company sent a letter dated XX/XX/XXXX, attempting to justify the coming repossession. However, she openly admitted this letter was not sent by certified mail meaning I never had legal notice, nor was it acknowledged through proper channels. As XXXX herself acknowledged, the letter was just sent regular mail, making it effectively a baseless threat with no legal standing. 

That letter carried no enforcement weight, yet GM Financial used it as post-hoc justification for taking a vehicle I had already paid for in full. This reckless disregard for due process and good faith further exemplifies their bad faith behavior and calculated strategy to undermine my consumer rights. 
I filed a * * police report the same dayXXXX XXXX, XXXX * * reporting the vehicle as stolen. On XX/XX/XXXX, I retrieved my belongings from the repo lot. Days later, I received an erroneous email from GM thanking me for turning in the vehiclean event that never occurred. 

The car was then sold at XXXX XXXX XXXX, which refused to release documentation, saying GM Financial is their client. A rep stated on a recorded call : Unfortunately, XXXX, we cant give you any info GM is our client youll have to get that from them. 

On XX/XX/XXXX, I spoke with XXXX, a sales rep at XXXX XXXX XXXX of XXXX, NY, where the vehicle was listed for sale. He confirmed : The vehicle had not yet been sold It arrived via quiet auction XXXX XXXX purchased it from an auction in PA It had been on their lot for about 21 days Meanwhile, my XXXX app continued to provide live updates, showing location, mileage, and gas status of the vehicle well after the repossessionuntil XX/XX/XXXX, when connectivity was cut, shortly after XXXX XXXX XXXX received my certified letter. 

I made multiple certified mailings to GM Financial, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, and the XXXX  Division of Consumer Affairs. I emailed XXXX XXXX ( XXXX ) and XXXX XXXX of GM directly. XXXX confirmed GM received all letters but refuses to respond unless contacted by an attorney. 

Damages : As of XX/XX/XXXX, it has been 111 days without reliable transportation. 

My transportation and financial damages include : {$1100.00} in XXXX rides {$280.00} in fuel ( based on XXXX miles driven in my wifes car at $ XXXX ) {$1000.00} in insurance for my wifes vehicle through XXXX {$95.00} in XXXX rides Total : $ XXXX, and still rising I documented every day from XX/XX/XXXX to today, including travel method and expense. I work over 50 hours per week, and this loss has cost me significant time, peace of mind, and quality of life. My wife recently asked, Will this ever end? That moment captured the emotional toll this has had on my family. 

Despite making 40 of 39 payments, GM Financial now reports me as delinquentwithout ever reporting 30/60/90/120-day lates, which contradicts their own narrative. On XX/XX/XXXX, XXXX claimed my account was 12 days past due. If I hadnt paid since XX/XX/XXXX, how wasnt I 120+ days late? 

Violations Include : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate credit info 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( C ) Failing to report completeness or accuracy after dispute 15 U.S.C. 1692e ( 8 ) Communicating false credit info ( FDCPA ) 15 U.S.C. 6802 Failure to protect nonpublic personal information 18 U.S.C. 1028A Aggravated identity theft ( inaccurate lease dates and fabricated terms ) 47 U.S. Code 605 Unauthorized use of vehicle telematics and private communications 15 U.S.C. 1605, 1662 Unlawful finance charges and misrepresentation of obligations 15 U.S.C. 1635 Right to rescind within 3 days ( exercised upon later discovery of fraud ) I have documented every aspect of this misconduct, and I'm Prepared to Provide Upon Request the what I don't upload in the list below : Recorded calls with XXXX, XXXX XXXX XXXX ), and XXXX XXXX XXXX XXXX XXXX ) Police report dated XX/XX/XXXX. 

XXXX  Confirmation of Repossession email XX/XX/XXXX. 

Certified mail receipts and USPS tracking logs. 

Screenshots from the XXXX app. 

Vehicle listing PDF from XXXX XXXX XXXX. 

Email falsely thanking me for returning the vehicle. 

Payment history screenshots and reports. 

Document from XXXX XXXX confirming my registration remained active after repossession. 

Full rideshare log and post-repo expense spreadsheet. 

FTC Report.

Company response to consumer: Closed with explanation