Consumer complaint received 2025-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
Hello, we are looking to exchange our car for an electric one or a XXXX XXXX for XX/XX/XXXX. My husband found that XXXX offered good cars and some discounts and incentives. We went to the XXXX website where they offered to create the car. After my husband finished the XXXX website, he offered to go to XXXX XXXX because he had the car the same as the one created online, but my husband saw that they had high fees. We believe that XXXX sent my information to XXXX. The next day a girl from XXXX contacted us. After talking to her, my husband told her he was not interested because of the high fees they had. She asked what fees. My husband told her that he saw many very high and senseless fees online. She said that was okay. The next day another woman called asking to talk again and told my husband that they did not have fees, only document fees and the legal fees from the state. My husband told her that he saw the fees online and that he did not want to waste her time. She kept insisting. My husband told her that he would talk to me but the next day she called. XXXX XXXX, the salesman, said that they didn't have a fee, only a document fee, and that I could get an approval and the maximum for my trade in. My husband told him that he wasn't going to go to XXXX to waste his time and he said ok. The next day he called back and said that he had an offer that since it was the end of the month they had great discounts and they had a special that they would give me the maximum for my trade in to get the sale. My husband told him that he wouldn't take less than {$6500.00} for the trade in since he had another dealer that was paying him {$8500.00} for it. He said that I could get the maximum from that. I asked him when the special was over. He said that the next day since my husband found him well, he scheduled an appointment for the next day. But the next day he told him that he didn't want to go 3 hours away and waste his time. XXXX asked him if we wanted to fill out the application online. After filling it out, he called and said that it was approved and that he had gotten a good deal with the trade in, but that it had to be with the equinox ev to apply the federal ev credit and an interest of 4 % or less and that they would pay for my full trade in so that I would keep the new account only my wife told her it sounded too good but that she was going to go the next day doubtful she called the dealer and the manager named XXXX took the call and said that everything was true that we should go to the dealer that they would pay for trade in at no cost to us we decided to go after driving for XXXX hours we arrived they already had everything ready they showed us the car then they sent us to XXXX XXXX 's so we could fill out the contract and we could leave it was late because of the distance we were tired she only showed the computer screen to complete the signatures of the contract all digital and began to talk about her private life nonstop I saw a part that said the price of the car that said XXXX $ to XXXX $ XXXX asked my husband when my husband looked at her she said quickly that was the price after interest financed my husband told me okay when we finished she very nervous she gave us the papers and the keys but the papers were rolled up we thought that since it was a XXXX dealer and the finance company was XXXX XXXX they wouldn't dare to cheat us and we left the next day the car turned on a warning lights my husband told me let 's take it back to the dealer but decided to call since we couldn't find the seller 's number ( XXXX ) my husband looked in the papers there he found the two papers put inside the gap insurance where they showed the entire transaction and we got the big surprise that they had scammed us they had only paid {$4000.00} for my car they had used the federal tax credit of {$8500.00} and the downpayment {$2000.00} to pay the trade in to the bank and they had put a bunch of fees and things that we didn't ask to be put we called asking for an explanation and that we would return the car but the manager XXXX told us to take the car to the warranty and that he would speak with wilmelfi to fix it and explain the contract to us after that We had been calling and sending messages for 6 days and they wouldn't take the calls or answer the messages until my husband tricked the receptionist and was able to speak with Wilmelfi. We asked for answers which she was very nervous and couldn't answer and my husband told her to pass the call to the manager ( XXXX ). My husband told him to at least eliminate some fees and return the downpayment and he said no, nothing could be done in a very rude way because the deal was already made. We called XXXX and XXXX finance but both said they couldn't do anything even though they were the ones who made the loans. A XXXX employee said that something could be done but XXXX later refused and so we decided to contact you. The car continued with lot the problem

Company response to consumer: Closed with explanation