Consumer complaint received 2025-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
DRAFT : CFPB COMPLAINT XXXX XXXX XXXX ( on behalf of GM Financial and other company ) Unlawful Seizure, Title Dispute, and Fiduciary Harm Between XX/XX/XXXX and XX/XX/XXXX, agents allegedly acting on behalf of GM Financial engaged in multiple XXXX attempts against a XXXX XXXX XXXX XXXX XXXX : XXXX registered in New Hampshire under a private trust estate. These acts were allegedly carried out by XXXX XXXX XXXX of XXXX Rhode Island, under instruction from GM Financial, but without lien perfection, police process, or legal documentation, Particularly and disturbingly a contract i have never been a part of other than what was initated at dealership. 

XX/XX/XXXX : Agents identifying with XXXX XXXX entered private property at XXXX XXXX XXXX, XXXX, MA, without prior notice, police presence, or lawful paperwork ( XXXX Police Report XXXX ). The attempt to seize the vehicle occurred without a Right-to-Cure letter, court order, or repossession disclosure, causing a physical injury to my person XXXX XXXX  were contacted , arrived on scene, and ordered the agents to leave. During this event, I sustained a knee injury attempting to protect the property. To my knowledge, no repossession notice or report was ever filed with XXXX Police Department prior to or following this incident. 

XX/XX/XXXX : An individual named XXXX XXXX, connected to prior seizure efforts, pursued me across multiple municipalities. After a XXXX call, I was advised to take refuge at XXXX XXXX XXXX. ( See attached Arrest : XXXX ). That same day, XXXX XXXX issued an arrest report, and a criminal complaint was subsequently filed in XXXX XXXX XXXX ( Case No. XXXX ), listing charges including : Disorderly Conduct, Disturbing the Peace, Negligent Operation of a Motor Vehicle, Unlicensed Operation of a Motor Vehicle. 

XXXX XXXX is expected to appear in court on XX/XX/XXXX, where I am listed as complainant/witness. His involvement in events related to this vehicle, as documented in the XXXX arrest report, raises concerns over the legitimacy and licensing of any repossession efforts. 
I have reason to believe the XXXX and denial of personal property access may have the effect whether intended or not of suppressing my ability to appear and testify as a protected complainant in a pending criminal matter. 

XX/XX/XXXX : The vehicle was removed from XXXX XXXX XXXX, XXXX, MA by XXXX XXXX again and without notice to Police authority or verification of licensure again, there was no police presence, no documentation presented, and no prior notice ( XXXX Police Report XXXX ). This occurred during an active New Hampshire Title Bureau investigation regarding the underlying sale contract. To date, no perfected lien is recorded with the XXXX  XXXX. 

XX/XX/XXXX : I appeared at XXXX XXXX 's facility in XXXX, RI, accompanied by XXXX XXXX XXXX XXXX ( Ref. XXXX XXXX. XXXX ), to retrieve personal property from the vehicle. Access was denied unless I surrendered the vehicle key. This condition was coercive and had no basis in law, court order, or repossession authority. Personal and fiduciary property remains in the vehicle, including : Legal trust records, Power of Attorney instruments, Biological matter, Personal and Family protected items, Military and protected and other related private effects and estate artifacts. 

Despite multiple certified notices to GM Financial and XXXX XXXX, I have received no response disclosing : The legal basis or title claim under which the vehicle was taken ; The identity or license of the repossession agent ( s ) so as to present lack of or cured conflict of interest considering i am witnessing against eastern recoverys agent. ; Police notification or compliance with Massachusetts XXXX or repossession law ; Any lawful claim of balance owed or written Right-to-Cure documentation. 

The following law enforcement agencies have no record of repossession notice : XXXX Police Department, XXXX Police Department, Massachusetts XXXX. 

Summary of Alleged Violations : Breach of the peace under XXXX. XXXX XXXX XXXX ; Alleged unlawful trespass and constructive conversion ; Alleged unlicensed or improper agent activity ; Suppression of access to fiduciary estate property and instruments ; Interference with protected appearance at a criminal hearing ( XX/XX/XXXX ) ; Failure to provide statutory notices, lien proof , or lawful claim disclosure ; Potential violations of the FCRA, ECOA, and UCC commercial procedure.

Requested Relief : Immediate release or return of personal property ; Disclosure of lien, licensing, and balance records ; Identification of agent ( s ) acting on XXXX XXXX  behalf ; Investigation into the legality of seizure and compliance with consumer protection standards.

Supporting Documentation ( upon request due to sensitivity of non-public nature ) : XXXX XXXX  Arrest Report ( XX/XX/XXXX ) ; XXXX XXXX Visit Report ( XX/XX/XXXX ) ; POA and NH XXXX Title Dispute Confirmation ; RISC Contract Comparison showing material inconsistencies in XXXX, pricing, and signature acknowledgment between the original signed XXXX contract and a second version now claimed by GM Financial, which was never authorized or known to the estate. ; Copies of certified demand letters to GM Financial and XXXX XXXX. 

This complaint does not allege criminal intent, guilt, malice or intent to defraud by any specific agent or company. All references to individuals or entities are made based on the public record or direct interactions, first hand knowldge and are included here to preserve the rights of the estate under consumer protection law.

Company response to consumer: Closed with explanation