Consumer complaint received 2025-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: General Motors Financial Company, Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Subject : Formal Complaint and XXXX for XXXX XXXX XXXX XXXX XXXX, Forgery, and Misrepresentation To Whom It May Concern, I am submitting this complaint to formally report fraud, forgery, contract falsification, and predatory lending practices involving Champion XXXX XXXX XXXX XXXX and GM Financial in connection with the purchase and financing of XXXX XXXX XXXX XXXX. 
Summary of Issues : XXXX. Unauthorized E-Signatures and Forgery I did not consent to electronic signing. 
Signatures were forged, copied, and pasted onto loan documents without authorization. 
No valid XXXX XXXX consent disclosure was presented. 
XXXX. GM Financial Acknowledgment of Fraud After I submitted proof of forged signatures and discrepancies, GM Financial sent XXXX separate letters by mail stating it appeared I was a victim of fraud and identity theft. 
Despite this, GM Financial has taken no corrective action and continues to enforce the contract, demand payments, and report derogatory remarks to credit reporting agencies. 
XXXX. Misappropriated Down Payments {$4000.00} cash and {$2000.00} XXXX down payments were never itemized or applied to the loan. 
XXXX. XXXX XXXX My trade-in vehicle was not credited properly. 
If unsold, I demand its return. If sold, I was promised a trade-in value of {$30000.00} which has not been honored. 
XXXX. Refunds from XXXX XXXX Refunds connected to the trade-in 's XXXX and protection products were not returned to me but instead used by the dealership without my knowledge or consent. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ' written approval stated add-ons could not exceed {$5000.00}. 
Because of this the dealership forced XXXX and other add-ons as a XXXX tactic to obtain financing, utilizing the exact limit of {$5000.00}. 
XXXX Credit Application Falsification The credit application contains false or missing information, including : No driver 's license number listed Incorrect years at residence XXXX XXXX as " owns home outright '' despite an active mortgage Incorrect work address Inflated income False statement that " proof of income not required '' XXXX. Odometer Discrepancy XXXX sales document states XXXX miles, another states XXXX miles at delivery. 
This discrepancy raises concerns of odometer tampering and misrepresentation. 
XXXX. XXXX XXXX XXXX XXXX XXXX GM Financial has continued to collect monthly payments despite being on notice that the contract is fraudulent and unenforceable. 
Relief Requested : I am requesting immediate action, including but not limited to : Rescission of the contract ( declaring it void ). 
Return of all down payments ( {$6000.00} ). 
Return of trade-in vehicle, or {$30000.00} in lieu if sold. 
Return of XXXX refunds connected to the trade-in. 
Reimbursement of all payments collected by GM Financial. 
A full investigation into the dealership and XXXXXXXX XXXX XXXX actions for fraud, forgery, falsified records, odometer misrepresentation, predatory lending, and violations of the E-Sign Act ( 15 U.S.C. 97001 et seq. ). 
This matter is urgent. I have been defrauded, my identity has been misused, and GM Financial has admitted in writing that I appear to be a victim of fraud yet has taken no action. 
I request that your office intervene immediately to protect my rights and enforce compliance with state and federal law. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation