Consumer complaint received 2026-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
SUBJECT : FORMAL COMPLAINT : FORGERY, IDENTITY FRAUD, AND PREDATORY ELDER FINANCIAL EXPLOITATION BY XXXX XXXX XXXX AND GM FINANCIAL This complaint details a case of premeditated identity fraud, forgery, and elder financial exploitation committed by XXXX XXXX XXXX XXXX XXXX XXXX ( the Dealership ) and subsequently ratified by GM Financial through their willful failure to act and their ongoing violations of the Fair Credit Reporting Act ( FCRA ). I am a senior citizen over the age of XXXX, qualifying for enhanced protections under Georgia 's laws against elder financial exploitation, including O.C.G.A. XXXX and O.C.G.A. XXXX. The evidence I possess is not circumstantial ; it is definitive forensic proof that a fraudulent auto loan was created in my name through a digitally forged credit application. This matter has been escalated beyond a simple consumer dispute and is the subject of an active criminal investigation with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This complaint is intended to run parallel to that investigation to seek regulatory enforcement and financial remedy. Detailed Chronological Narrative of Fraud The events of XX/XX/year>, establish a clear and undeniable timeline of criminal activity : The Forgery ( XXXX XXXX. ) : XXXX XXXX from GM Financial confirm that the Dealership created and electronically submitted a credit application in my name at XXXX XXXX. This application contained falsified information, including my employment status. The XXXX XXXX ( XXXX XXXX. onward ) : I possess an unbroken, unedited XXXX continuous audio recording with verifiable metadata. The recording begins at XXXXXXXX XXXX. while I am at my residence in XXXX, miles away from the XXXX dealership. The audio captures me on a phone call with an XXXX XXXX car agent, and ambient identifiers confirm my location. This recording makes it physically and mathematically impossible for me to have been present at the Dealership at XXXX XXXX. to review, authorize, or submit the fraudulent application. XXXX XXXX : The continuous recording documents my entire commute. It captures my arrival at the Dealership at approximately XXXX XXXX.nearly 90 minutes after the forgery was committed. This is further corroborated by a physical down payment receipt from the dealership, which is time-stamped at XXXXXXXX XXXX Motive and Recorded Confession : The motive for the fraud was a scheme to bypass underwriting rules. The dealership 's XXXX XXXX, " XXXX, '' is captured on the audio recording admitting to this " stipulation fraud. '' He confessed to falsifying my 25-year history as a Sole Proprietor to list me as a W-2 " Manager, '' stating : '' The issue I kept running into was proving income, this is the only bank that would allow me to do it without having to send them a pay stub. '' Fraud in the Factum ( The Deceptive Signature ) : When I was finally instructed to sign documents later that afternoon, XXXX used active artifice to trick me into signing the signature page of the forged application. He physically concealed the fraudulent front page and is recorded lying about the nature of the document : '' Thats just the credit app ; thats the printed-up version of what you have already signed. '' Pattern of Premeditated, Multi-Bank Fraud : This was not an isolated incident but part of a wider " shotgunning '' scheme to defraud multiple lenders. I have evidence that the Dealership attempted to pass the same falsified profile to XXXX XXXX XXXX XXXX earlier that same day. Furthermore, I have received a letter from XXXX XXXX confirming that the Dealership also submitted a credit application to their institution, which was subsequently denied. This establishes an undeniable pattern of repeatedly using my identity to submit fraudulent applications across the financial industry. XX/XX/year> Estimated timeline. Audio recording start time around XXXX XXXX Walked in dealership around XXXXXXXX XXXX Start signing ( wet signature ) around XXXXXXXX XXXX. into the recording Receipt for down payment given around XXXXXXXX XXXX into the recording Timestamp on down payment receipt is XXXXXXXX XXXX Meeting over around XXXXXXXX XXXX 1. Credit Application Creation Time was XXXX XXXX Credit Application Printed Time XXXXXXXX XXXX I believe this was printed blank and the copy I signed around XXXX XXXX This is the copy the dealership has. 2. Credit Application Creation Time was XXXX XXXX Credit Application Printed Time XXXX XXXX. This copy has the electronic signature. This is the copy GM Financial has. Notice this credit application has the same Creation Time, but the Printed Time is XXXXXXXX XXXX which is around the time I was really at the dealership. Complaint Against GM Financial : Willful Blindness and FCRA Violations I have presented this irrefutable evidence to GM Financial on multiple occasions. Despite possessing proof that the underlying contract is void due to forgery, GM Financial has failed to take appropriate action. They have refused to unwind the fraudulent contract and charge it back to the responsible dealership. Worse, they continue to knowingly furnish derogatory and inaccurate information to the credit bureaus ( XXXX, XXXX, and XXXX ) on a void account. This is a willful violation of their duties under the Fair Credit Reporting Act ( FCRA ). They are actively damaging my credit based on a crime committed against me. Full Investigation : I request the CFPB launch a formal investigation into the predatory, fraudulent, and illegal practices of both XXXX XXXX XXXX XXXX XXXX XXXX and GM Financial for their roles in originating and servicing a loan procured through forgery and elder financial exploitation. This was not a misunderstanding or a clerical error ; it was a deliberate, multi-layered crime. I am prepared to provide the unedited audio files and all corroborating evidence to your office to assist in the investigation. Attachments : Police Report Case # XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation