Consumer complaint received 2025-05-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: CT

Complaint narrative:
Complaint submitted by XXXX XXXX XXXX Account XXXX XXXX XXXX Vehicle : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Start Date : XX/XX/XXXXXXXX XXXX Authorized : Yes This is a formal supplement to my previously filed CFPB complaint. I am submitting new documentation that confirms GM Financial has engaged in deliberate financial misrepresentation, including : Reuse of internal statement codes Concealment of processed payments Fabrication of new billing cycles without underlying principal charges Conflicting due dates and XXXX schedules Improper property tax billing applied after the account reflected a {$0.00} balance These are not technical anomalies. They reflect a coordinated breakdown in billing integrity, originating from a consumer warranty dispute and culminating in systemic financial misconduct. 

XXXX. Reused XXXX Codes and Payment Omission On XX/XX/XXXX, GM Financial issued a billing statement that reused a previously issued ledger from XX/XX/XXXX ( Version XXXX, Code : XXXX ). This reused version : Omitted the XX/XX/XXXXXXXX XXXX XXXX  of {$1500.00} Was previously issued on XX/XX/XXXX and already reflected a {$0.00} balance Was reissued with a new due date of XX/XX/XXXX, falsely representing a new billing cycle XXXX second, accurate version of the XX/XX/XXXX statement ( Version XXXX, Code : XXXX ) correctly reflected both the XXXX and XXXX payments. That version was suppressed from future reporting and omitted from the customer portal. 

This ledger reuse materially misrepresents my account status and violates TILA and Regulation M by generating new due dates from an already reconciled ledger. 

XXXX. Conflicting Portal Data XXXX and Balances GM Financials customer portal shows at least XXXX different due dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Simultaneously, the portal displays both a {$0.00} balance and a past due amount of {$850.00}. 

XXXX plan records are also contradictory. XXXX screen shows an XXXX start date of XX/XX/XXXX ( the correct lease start ), while another shows an active plan beginning XX/XX/XXXX. Screenshots confirm an {$850.00} XXXX is scheduleddespite there being no corresponding valid charge in any current ledger. 

This inconsistency makes it impossible for me to determine the true balance, payment due date, or whether Im being properly billed at all. 

XXXX. Inferred Asset Impairment and Tax Misapplication Although GM Financial has not formally disclosed impairment of the lease asset, their conduct strongly suggests internal reclassification. This began after the vehicle became inoperable due to mechanical failure and GM denied my buyback request. 

Soon after, GM Financial : Ceased issuing new ledgers with updated principal activity Recycled old statements while removing payment history Assessed a property tax charge of {$850.00} while the principal reflected {$0.00} This pattern suggests the asset was internally treated as impaired or non-performing for GMs own accounting purposes, while continuing to extract payments and tax charges without disclosure. If GM reported the asset as impaired, continuing to bill state property tax may constitute unjust enrichment or improper tax assessment.

Company response to consumer: Closed with explanation